Privacy Policy — Student Debt Mastery

Privacy Policy — Student Debt Mastery

Effective Date: 01/01/2024

The Credit Mastery Group (“Student Debt Mastery,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our websites, landing pages, forms, emails, SMS, and related services (the “Services”).

Not Government Affiliated: We are not the U.S. Department of Education and are not affiliated with any government agency.

1. Scope

This Policy applies to information we collect through our Sites and directly from you. It does not cover third-party websites or services that we do not control.

2. Information We Collect

  • Information You Provide: name, email address, mobile number, form responses (e.g., loan type, balance range, employment sector), communication preferences, and any details you choose to share.
  • Automatically Collected Information: IP address, device/browser type, operating system, pages viewed, timestamps, and referral/UTM parameters collected via cookies, pixels, and similar technologies.
  • Information from Service Providers/Partners: limited data used for lead delivery, messaging, analytics, and attribution in connection with the Services.

3. How We Use Your Information

  1. Deliver the Student Debt Mastery e-book and resources you request.
  2. Send educational updates and reminders (e.g., IDR/SAVE, PSLF, consolidation timing) and related communications.
  3. Operate, secure, personalize, and improve the Services; perform analytics and attribution.
  4. Comply with legal obligations; enforce terms; protect rights, safety, and security.

4. SMS, Calls, and Email (TCPA/CAN-SPAM)

By providing a mobile number and opting in, you consent to receive text messages (which may be sent using automated technology). Message frequency varies; message and data rates may apply. Reply STOP to opt out, HELP for help. Consent is not a condition of purchase. Emails include an unsubscribe link.

5. Cookies, Pixels, and Analytics

We use cookies and similar technologies to operate the Site, remember preferences, measure performance, and personalize messaging.

Your Choices: You can manage cookies in your browser settings. Disabling cookies may impact some features.

6. When We Share Information

We do not sell personal information. We may share information with:

  • Service Providers: hosting, messaging (email/SMS), analytics, CRM, payment/ops vendors under contract.
  • Select Partners: to help fulfill your requests or provide related educational offers where permitted by law and/or consent.
  • Legal/Compliance: to comply with law, respond to lawful requests, enforce our terms, and protect rights/safety.
  • Business Transfers: in connection with a merger, acquisition, financing, or sale of assets.

7. Your Choices & Rights

  • Emails/SMS/Calls: use the unsubscribe link in emails; reply STOP to texts; contact us to adjust preferences.
  • Access/Deletion/Correction: you may request access to, deletion of, or correction of your information by emailing [email protected].

California Privacy (CCPA/CPRA)

California residents may request: (a) access/portability of personal information; (b) deletion; (c) correction of inaccuracies; and (d) to know categories of personal information collected/disclosed. We do not “sell” personal information as defined by the CCPA. To exercise rights, email [email protected] with “California Privacy Request.” We will verify your identity as required by law.

8. Data Security & Retention

We use administrative, technical, and physical safeguards to protect information. No method of transmission or storage is completely secure. We retain information only as long as necessary for the purposes described in this Policy, to comply with legal obligations, and to resolve disputes.

9. Children’s Privacy

The Services are intended for individuals 18 years and older and are not directed to children under 13. We do not knowingly collect personal information from children under 13.

10. Third-Party Links

Our Sites may link to third-party websites. Those sites have their own privacy policies; we are not responsible for their content or practices.

11. International Users

If you access the Services from outside the United States, you understand your information may be transferred to and processed in the U.S.

12. Changes to This Policy

We may update this Policy periodically. The Effective Date above reflects the current version. Material changes will be posted on this page.

13. Contact Us

The Credit Mastery Group
Email: [email protected]
Website: https://studentdebtmastery.com