Privacy Policy

We collect information you provide directly when you create an account, use our services, or contact us. This includes: - Account information: name, email address, phone number, business name, and billing details. - Profile data: information you add to your account such as business type, industry, and preferences. - Usage data: how you interact with our platform, including features used, pages visited, and actions taken. - Credit data: credit report information you authorize us to access on your behalf for credit repair services. - Communications: messages, support requests, and feedback you send to us. - Device and technical data: IP address, browser type, operating system, device identifiers, and cookies.

We use your information to: - Provide, maintain, and improve our platform and services. - Process credit repair disputes and business funding applications on your behalf. - Personalize your experience and deliver relevant content and recommendations. - Communicate with you about your account, services, and platform updates. - Process payments and manage billing. - Ensure platform security and prevent fraud. - Comply with legal obligations and enforce our terms of service. - Develop new features and improve existing ones based on usage patterns.

We do not sell your personal information. We may share your information in the following circumstances: - Service providers: trusted third parties that help us operate our platform (payment processors, cloud hosting, analytics). - Credit bureaus: when you authorize us to submit disputes or access credit information on your behalf. - Lending partners: when you opt in to business funding matching services. - Legal requirements: when required by law, regulation, or legal process. - Business transfers: in connection with a merger, acquisition, or sale of assets. - With your consent: when you explicitly authorize sharing with a specific party.

We use cookies and similar technologies to: - Keep you signed in and remember your preferences. - Understand how you use our platform to improve performance. - Deliver relevant content and features. - Measure the effectiveness of our communications. You can control cookie settings through your browser. Disabling cookies may limit certain platform functionality. We do not use cookies for third-party advertising.

We implement industry-standard security measures to protect your information, including: - Encryption of data in transit (TLS/SSL) and at rest. - Regular security audits and vulnerability assessments. - Access controls and authentication mechanisms. - Secure data centers with physical and environmental safeguards. - Employee training on data protection and privacy practices. No method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Depending on your location, you may have the following rights: - Access: request a copy of the personal information we hold about you. - Correction: request correction of inaccurate or incomplete information. - Deletion: request deletion of your personal information, subject to legal retention requirements. - Portability: request a machine-readable copy of your data. - Opt-out: unsubscribe from marketing communications at any time. - Restriction: request that we limit processing of your information in certain circumstances. To exercise any of these rights, contact us at privacy@memelli.io. We will respond within 30 days.

We retain your information for as long as your account is active or as needed to provide you services. When you close your account, we will delete or anonymize your data within 90 days, except where we are required to retain it for legal, regulatory, or legitimate business purposes.

Our platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete it promptly.

Our platform is operated from the United States. If you access our services from outside the United States, your information may be transferred to and processed in the United States, where data protection laws may differ from those in your jurisdiction.

We may update this privacy policy from time to time. We will notify you of material changes by posting the updated policy on our platform and updating the effective date. Your continued use of the platform after changes are posted constitutes acceptance of the revised policy.

If you have questions or concerns about this privacy policy or our data practices, contact us at: Memelli IO Inc Email: privacy@memelli.io Phone: (951) 514-6019 You may also file a complaint with your local data protection authority if you believe your rights have been violated.