Talk Credit To Me ​

Privacy Policy

Effective Date: May 10, 2025
Last Updated: May 10, 2025

Talk Credit To Me (“we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our website, products, or services.

1. Information We Collect

We collect personal information you voluntarily provide, such as your name, email address, phone number, and credit-related information used to prepare your dispute letters.

We may also collect data from:

• Cookies or web tracking tools

• Payment processors (e.g., Stripe, PayPal)

• Third-party integrations like email or SMS tools

2. How We Use Your Information

We use your data to:

• Prepare custom dispute letters and deliver services

• Provide email and SMS updates

• Offer customer support

• Promote additional services (you can opt out at any time)

We do not sell or share your information with unauthorized third parties.

3. How We Protect Your Information

We use secure encryption, password protection, and verified third-party platforms to store and transmit your data.

4. Your Rights

You may:

• Request access or deletion of your data

• Unsubscribe from communications at any time

• Contact us at info@talkcredittome.com with questions

5. Third-Party Services

We may use trusted third-party services (e.g., texting platforms, CRM tools). These services maintain their own privacy policies and are expected to comply with data security regulations.

Terms & Conditions

Effective Date: May 10, 2025
Last Updated: May 10, 2025

By using our site or purchasing any service from Talk Credit To Me, you agree to the following terms:

1. Nature of Services

We offer educational resources, credit report guidance, and custom dispute letter preparation services. We do not offer guaranteed credit repair outcomes or charge upfront for credit repair services. All products sold are considered fulfilled upon delivery.

If you opt into optional services (including live dispute sessions or hands-on support), a separate service agreement may be provided post-document delivery.

2. Compliance with CROA & TSR

In accordance with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR):

• We do not charge for credit repair services before services are fully rendered

• We do not make misleading claims about credit improvement or guaranteed deletions

• You are entitled to a three-day right to cancel any signed contract without penalty

3. Refund Policy

Due to the digital nature of our dispute letter products and the customization involved, all sales are final. If you have issues with your order, please contact support@talkcredittome.com within 3 days of delivery.

4. Live Sessions

Live sessions are educational and instructional. They do not constitute legal or credit repair advice. Your participation is voluntary, and you remain responsible for sending dispute letters if using DIY methods.

5. User Conduct

You agree not to misuse our services, share login information, or resell our templates, tools, or content.

6. Changes

We reserve the right to update these Terms and our Privacy Policy. Continued use of our website or services means you accept those changes.

💬 Contact Info:

Talk Credit To Me
Email: info@talkcredittome.com
Phone: 833-377-2673

Terms & Conditions

Effective Date: January 1, 2025

Welcome to The Startup Loft, Startup Loft Academy, and Ecom Loft (referred to as “Company,” “we,” “us,” or “our”). By accessing or using our website and services, you agree to comply with these Terms & Conditions. If you do not agree with any part of these terms, you must discontinue use immediately.

1. Use of Our Website & Services

• You must be at least 18 years old to access our services.

• You agree to use our website and services only for lawful purposes.

• You shall not misuse, distribute, or copy our content for unauthorized purposes.

• We may suspend or terminate access to users who violate these terms.

2. Digital Products, Courses & Services

• All sales are final, and no refunds are provided.

• Unauthorized sharing, reproduction, or resale of our digital products, courses, or services is strictly prohibited.

• We do not guarantee specific results, as success depends on your effort and implementation of our material.

3. Intellectual Property Rights

• All content, including logos, text, videos, and course materials, is protected under copyright and intellectual property laws.

• You may not modify, distribute, or exploit our content without written permission.

4. Payment Terms

• Payments must be made in full before accessing any digital product or service.

• We use third-party payment processors to handle transactions securely.

• If a payment dispute arises, we reserve the right to restrict access to our services.

5. Limitation of Liability

• We are not responsible for any financial loss, technical issues, or damages resulting from the use of our services.

• We provide information on an “as-is” basis without warranties.

6. Changes to Terms & Conditions

We reserve the right to update these terms at any time. Any changes will be posted on this page, and your continued use of the site constitutes acceptance of the new terms.

For any questions, contact us at support@thestartuploft.com.

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Privacy Policy

Effective Date: January 1, 2025

This Privacy Policy describes how The Startup Loft, Startup Loft Academy, and Ecom Loft collect, use, and protect your personal information.

1. Information We Collect

We may collect the following types of information:

• Personal Data: Name, email address, phone number, billing details.

• Payment Information: Securely processed by third-party providers.

• Website Usage Data: Collected via cookies and analytics tools.

2. How We Use Your Information

Your information is used for:

• Processing purchases and providing services.

• Improving our website and user experience.

• Sending marketing emails (you may opt out at any time).

3. Data Protection & Security

• We implement security measures to protect your data but cannot guarantee complete security.

• Your data is only accessible to authorized personnel.

4. Sharing of Information

We do not sell or rent your personal information. However, we may share data with:

• Third-party service providers (e.g., payment processors).

• Legal authorities if required by law.

5. Your Rights & Choices

You have the right to:

• Request access to your personal data.

• Correct or delete your data.

• Opt out of marketing communications.

For privacy-related inquiries, email support@thestartuploft.com.

6. Messaging ​

The Startup Loft respects your privacy. By opting into our SMS messaging service, you ag following terms regarding how we handle your data

​

• Data Collection: We will collect your name, email address, mailing address, and mobile when you sign up for SMS updates. The information will be collected via the website co email, rental agreement, or third party reservation systems

Data Usage: We use your data solely for sending updates, promotions, and reminders products or services

Data Secunty. We protect your data with secure storage measures to prevent unauthon

• Data Retention: We retain your information as long as you are subscribed to our SMS s may request deletion at any time

• MESSAGE AND DATA RATES MAY APPLY. Your mobile carrier may charge fees for se receiving text messages, especially if you do not have an unlimited texting or data plan.

• Messages are recurring, and message frequency vanes.

• Contact The Startup Loft at 8333772673 or support@thestartuploft.com for HELP

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Disclaimer

Effective Date: January 1, 2025

The information provided by The Startup Loft, Startup Loft Academy, and Ecom Loft is for educational and informational purposes only.

1. No Guarantees or Warranties

• We do not guarantee specific results from using our courses or services.

• Success depends on individual effort and circumstances.

2. Financial & Legal Disclaimer

• We are not financial or legal advisors. Any information provided should not be considered professional financial or legal advice.

• Always consult with a qualified professional before making financial decisions.

3. Third-Party Links & Services

• Our website may contain links to third-party websites, which are beyond our control. We are not responsible for their content or practices.

For questions, contact support@thestartuploft.com.

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Refund Policy

Effective Date: January 1, 2025

At The Startup Loft, Startup Loft Academy, and Ecom Loft, all sales are final, and we do not offer refunds on any digital products, courses, or services.

1. No Refund Policy

• Once a purchase is completed, it cannot be refunded.

• Due to the nature of digital products, access cannot be revoked once delivered.

2. Exceptions

We only issue refunds if:

• You were charged twice for the same product.

• There was a technical error on our end preventing access.

3. Technical Issues & Support

If you experience difficulties accessing your purchase, contact support@thestartuploft.com within 7 days of purchase, and we will assist you.

 

​Compliance & Consumer Rights

Effective Date: January 1, 2025

At The Startup Loft, Startup Loft Academy, and Ecom Loft, we are committed to transparency, fair business practices, and compliance with consumer protection laws.

1. Compliance with Applicable Laws

We adhere to:

• The Federal Trade Commission (FTC) Act

• The Consumer Protection Act

• Other applicable state and federal regulations.

2. Consumer Rights

As a customer, you have the right to:

• Clear and accurate product descriptions.

• Secure transactions and personal data protection.

• Request information about your data usage.

3. Contact for Consumer Concerns

If you believe your rights have been violated, contact us at support@thestartuploft.com, and we will address your concerns promptly.

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