Effective Date: July 1, 2025

At UrTime Financial Services, your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website [www.urtimecreditservices.com] or use our services. By using our site and services, you consent to the practices described in this policy.

1. Information We Collect

When you visit our website or contact us, we may collect the following types of information:

Personal Information: Name, email address, phone number, mailing address, date of birth, Social Security Number (when necessary for credit services), and other identifying details you provide.

Financial Information: Credit report details, account information, and payment details when signing up for services.

Website Usage Data: IP address, browser type, pages visited, and actions taken on the site, collected through cookies and tracking technologies.

2. How We Use Your Information

We collect and use your information to:

Provide and manage our credit repair and financial services

Process credit audits and disputes on your behalf

Communicate with you regarding your account and service updates

Respond to inquiries and support requests

Send marketing, promotional, and educational materials (with your consent)

Comply with legal obligations

3. How We Protect Your Information

We implement a range of security measures to maintain the safety of your personal information, including:

Secure servers and encrypted databases

SSL (Secure Socket Layer) technology for sensitive data transmission

Restricted access to personal information to authorized personnel only

However, no data transmission over the internet or electronic storage system is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

4. Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. We may share information with trusted third-party service providers who assist us in operating our business and servicing you, such as:

Credit reporting agencies

Payment processors

Email service providers

Compliance and legal authorities when required by law

These parties are obligated to keep your information confidential and use it only for the services we request.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking tools to improve user experience, analyze website traffic, and personalize content. You can control or disable cookies through your browser settings, but this may affect your site experience.

6. Your Rights and Choices

You have the right to:

Access, update, or delete your personal information

Opt out of marketing emails and communications

Request a copy of the personal data we hold about you

Withdraw consent where consent was previously given

To exercise any of these rights, please contact us at [email protected].

7. Third-Party Links

Our website may contain links to other sites. We are not responsible for the privacy practices or content of external websites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. Updates will be posted on this page with a revised effective date.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your information, please contact us at:

UrTime Financial Services
100 7th Street, Portsmouth, Virginia 23704
Email: [email protected]