Information Sharing Practices

We may share certain personal information with service providers and third parties as necessary to provide our credit improvement and financial wellness services. This includes sharing identifiers with service providers and credit bureaus for account management and verification purposes, financial information with payment processors for transaction processing, internet activity data with analytics providers for service improvement, and commercial information with service providers for customer support.

Additionally, we have disclosed Personal Information to Business or Nonbusiness third parties based upon the consent or at the direction of California residents to disclose their information.

In the past 12 months, we have shared Personal Identifiers and Internet or electronic network activity information with social networks, advertising networks, and data analytics providers to personalize, market, and advertise our credit improvement products and services. My Credit Action does not share Personal Information of employees, former employees, job applicants, or minors under 16 years of age. For purposes of this Disclosure, "share" means sharing a consumer's Personal Information with a third party for cross-contextual behavioral advertising for monetary or other valuable consideration or for the benefit of a business in which no money is exchanged.

In the past 12 months, we have not "sold" Personal Information or Sensitive Personal Information relating to California residents (including minors under 16 years of age) as traditionally defined. For purposes of this Disclosure, "sold" means the disclosure of Personal Information to a business or third party for monetary or other valuable consideration. Information to a business or third party for monetary or other valuable consideration.

However, California law broadly defines "selling" and "sharing" of personal information. Some of our data practices for analytics and advertising purposes may qualify as "selling" or "sharing" under these definitions. You have the right to opt out of these practices at any time.

By using our Services, you expressly consent to MCAT sharing your contact information and relevant profile data with carefully selected partners and service providers who offer products or services that align with your stated financial goals and preferences. You may opt out of such partner sharing at any time by contacting feedback@mycreditaction.com.

Your California Privacy Rights

As a California resident, you have the following rights regarding your personal information:

1. Right to Know

   You may request information about:

   • Categories of personal information we've collected about you
   • Specific pieces of personal information we've collected
   • Categories of sources from which information was collected
   • Our purposes for collecting or sharing your information
   • Categories of third parties with whom we've shared information

2. Right to Delete

   You may request that we delete personal information we have collected about you, subject to certain exceptions necessary for:

   • Completing transactions or providing services you requested
   • Security and fraud prevention
   • Debugging and fixing technical issues
   • Legal compliance
   • Internal uses aligned with your expectations

3. Right to Correct

   You may request that we correct inaccurate personal information we maintain about you.

4. Right to Opt-Out

   You may direct us not to "sell" or "share" your personal information as those terms are defined by California law.

5. Right to Limit Use of Sensitive Information

   You may request limitations on our use of certain sensitive personal information.

6. Right to Non-Discrimination

   We will not discriminate against you for exercising any of these rights by:

   • Denying services
   • Charging different prices or rates
   • Providing a different level of service quality
   • Suggesting you'll receive different pricing or service

How to Exercise Your Rights

You may submit requests to exercise your California privacy rights through any of these methods:

• Email:feedback@mycreditaction.com
• Online: Contact Form on our website

Verification Process: To protect your information, we will need to verify your identity before fulfilling your request. Depending on the nature of your request, we may ask you to:

• Confirm information already in our records
• Provide additional information to verify your identity
• Sign in your account (if you have one)

Response Timeline: We will confirm receipt of your request within 10 business days. We'll respond substantively within 45 days, with a possible extension of up to 45 additional days if reasonably necessary (we'll notify you of any extension).

Authorized Agents

You may designate an authorized agent to submit requests on your behalf. Authorized agents must provide proof of your written permission and verify their own identity with us. We may still require you to verify your identity directly with us for certain requests.

Financial Incentives

If we offer any financial incentives in exchange for the collection, retention, or sharing of personal information, we will:

• Clearly describe the material terms of the program
• Explain how to opt in or withdraw
• Ensure the incentive is reasonably related to the value of your data
• Obtain your prior opt-in consent

Updates to This Notice

We may update this California Privacy Rights notice periodically to reflect changes in our practices or legal requirements. The effective date at the top indicates when the notice was last revised. Continued use of our Services after updates constitutes your acceptance of the revised notice.

Contact Information

If you have questions about this California Privacy Rights notice or need to access this information in an alternative format due to a disability, please contact us at:

My Credit Action

Email: feedback@mycreditaction.com

website: https://mycreditaction.com