Privacy Policy
One United Enterprise LLC ("Company," "we," "our," or "us") operates CreditCareCourse.com (the "Site"). This Privacy Policy explains what information we collect, how we use it, and the choices available to you.
1. Information We Collect
We collect information you provide directly, including:
- Account information: name, username, email address, and password (stored as a secure one-way hash, never in plain text).
- Class signup and mentoring request information: name, email, phone number (optional), and any message or preferred times you provide.
- Purchase information: name and email address associated with a purchase. Payment card details are collected and processed directly by our third-party payment processor — we do not store your full card number on our servers.
- Communications: information you send us directly, such as through a request form.
We also automatically collect limited technical information, such as IP address and browser type, for security and site-functionality purposes.
2. How We Use Information
We use the information we collect to:
- Provide, maintain, and improve the Site and its educational services;
- Create and manage your account;
- Process purchases and manage your optional membership;
- Respond to class signups, mentoring requests, and other communications;
- Send transactional emails (e.g., password resets, purchase confirmations, request status updates) and, where you've consented, other communications — see our SMS & Email Communication Consent;
- Maintain the security and integrity of the Site.
We do not sell your personal information.
3. Sharing of Information
We share information only with:
- Service providers who help us operate the Site (e.g., hosting, database, payment processing, and email delivery providers), bound by their own confidentiality and security obligations;
- Independent third-party professionals you specifically ask to be referred to or connected with (see our Referral & Third-Party Disclosure);
- Law enforcement or other parties when required by law, or to protect the rights, property, or safety of the Company or others.
4. Cookies and Similar Technologies
The Site uses essential cookies (for example, to keep you signed in) necessary for core functionality. We do not currently use third-party advertising or cross-site tracking cookies.
5. Data Retention
We retain account and transaction information for as long as your account is active and as needed to comply with legal, tax, and accounting obligations. You may request deletion of your account as described below.
6. Your Rights and Choices
Depending on your state of residence, you may have rights under applicable privacy law (including the Florida Digital Bill of Rights, where applicable) to access, correct, or request deletion of your personal information. To make a request, contact us using the information below. We will respond within the time required by applicable law.
7. Children's Privacy
The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13 (consistent with the Children's Online Privacy Protection Act).
8. Security
We use commercially reasonable technical and administrative safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be reflected by an updated effective date on this page.
10. Contact Us
Questions about this Privacy Policy or requests regarding your personal information can be directed to One United Enterprise LLC using the contact details provided at signup or on your account correspondence.





