Privacy Policy

---

Effective Date: March 23, 2026

Company Name: EliteScore Financial

EliteScore Financial (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website or use our services.

This policy is designed to comply with applicable laws, including the Virginia Consumer Data Protection Act.

1. Information We Collect

Personal Information

We may collect:

• Full name
• Address
• Email address
• Phone number
• Date of birth
• Social Security Number
• Credit and financial account information

Sensitive Data (Under VCDPA)

• Social Security Number
• Financial account information
• Credit reports and history

Automatically Collected Data

• IP address
• Browser type
• Device information
• Website activity (cookies, analytics)

2. How We Use Your Information

We use your information to:

• Provide credit repair and financial consulting services
• Review and dispute credit report information
• Communicate with you about your account
• Process payments
• Improve our services and website
• Comply with legal obligations

3. Legal Basis for Processing (Virginia)

Under the Virginia Consumer Data Protection Act, we process data based on:

• Your consent
• The performance of a contract
• Compliance with legal obligations

4. How We Share Your Information

We do not sell your personal data.

We may share your information with:

• Credit bureaus (Experian, Equifax, TransUnion)
• Service providers (payment processors, CRM systems)
• Legal authorities when required by law
• Third parties with your explicit consent

5. Your Rights Under Virginia Law

If you are a Virginia resident, you have the right to:

• Access your personal data
• Correct inaccuracies
• Delete your personal data
• Obtain a copy of your data (data portability)
• Opt out of certain data processing activities

How to Exercise Your Rights

Contact us at:

E-mail: info@elitescorefinancial.com

We will respond within 45 days as required by Virginia law.

6. Sensitive Data Processing

We will not process sensitive data (such as Social Security numbers or financial data) without your explicit consent, as required by the Virginia Consumer Data Protection Act.

7. Data Security

We implement reasonable safeguards including:

• Encryption
• Secure servers
• Access controls

However, no system is 100% secure.

8. Data Retention

We retain your data only as long as necessary to:

• Provide services
• Comply with legal requirements
• Resolve disputes

9. Cookies & Tracking Technologies

We may use cookies and analytics tools to enhance your experience. You can disable cookies through your browser settings.

10. Third-Party Links

We are not responsible for the privacy practices of third-party websites linked from our site.

11. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

12. SMS/Text Messaging Consent

By providing your phone number, you consent to receive text messages regarding your account and services. Message and data rates may apply. Reply STOP to opt out.

13. Updates to This Policy

We may update this Privacy Policy at any time. Changes will be posted with a new effective date.

14. Contact Information

EliteScore Financial

Email: info@elitescorefinancial.com

Phone: (443) 460-5901

Website: elitescorefinancial.com