Effective date: July 27, 2026

Last updated: July 27, 2026

Applies to creditboost777.com and the Credit Boost client portal

Credit Boost Management Services ("CBMS", "we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit creditboost777.com or use our client portal (together, the "Service").

The Service is currently offered to residents of Canada, excluding the Province of Quebec. By using the Service, you agree to the practices described in this Policy. We handle personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

1. Who We Are

Credit Boost Management Services operates the Service. If you have any questions about this Policy or how we handle your information, contact our Privacy Officer at [email protected] or 647 560 8033, or write to us at 100 King Street West, Suite 5700, Toronto, Ontario M5X 1C7, Canada.

2. Information We Collect

We collect the following categories of information:

• Information you provide: your name, email address, phone number, mailing address, date of birth, identity-verification details, account login credentials, and the financial and credit-related information you choose to share with us.

• Payment information: your payment details are processed by our third-party payment processor. We do not store your full banking or card details on our own systems. We may retain limited information such as the card type, the last four digits, a secure payment token, and your billing and subscription status.

• Credit information: with your authorization, information relating to your credit reports and your accounts with credit bureaus (in Canada, Equifax Canada and TransUnion Canada) and creditors, as needed to provide the Service.

• Information collected automatically: device and usage information such as your IP address, browser type, the pages you view, and similar log data, including through cookies and similar technologies.

3. How We Use Your Information

We use personal information to:

• provide, operate, maintain, and improve the Service;

• verify your identity and protect the security of your account;

• prepare and, where you request it, submit correspondence to credit bureaus and creditors on your behalf;

• process your subscription and payments, and send billing notices, including a reminder before your first paid charge;

• communicate with you about your account, respond to your requests, and provide customer support;

• send you marketing emails or texts only where you have consented (for example, through our quiz or sign-up forms) - you can unsubscribe at any time using the link in each message or by contacting us;

• detect, prevent, and address fraud, abuse, and security issues - including keeping a record of email addresses and payment methods that have already used a free trial, in order to prevent repeated misuse of the free-trial offer; and

• comply with our legal and regulatory obligations.

4. Consent

We collect, use, and disclose your personal information with your consent, except where the law permits or requires us to do so without it. By providing your information and using the Service, you consent to the uses described in this Policy.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. If you withdraw your consent, we may be unable to continue providing some or all of the Service. To withdraw consent, contact us at [email protected].

5. How We Share Your Information

We do not sell your personal information. We share it only in the following circumstances:

• Service providers: with trusted providers who help us operate the Service - for example, payment processing, secure hosting and data storage, email delivery, and analytics - under confidentiality obligations and only as needed to perform their services.

• Credit bureaus and creditors: where necessary to provide the Service and with your authorization.

• Legal and regulatory: where required to comply with applicable law, legal process, or a regulator, or to protect our rights, our users, or the public.

• Business transfers: in connection with a reorganization, merger, financing, or sale of assets, subject to appropriate confidentiality protections.

6. Service Providers Outside Canada

Some of our service providers may store or process information outside Canada, including in the United States. Where this occurs, your information may be subject to the laws of those jurisdictions, including lawful access by courts, law enforcement, and authorities there. We take reasonable steps to ensure your information is protected by comparable safeguards. You may contact our Privacy Officer for more information about our use of service providers outside Canada.

7. Data Retention

We keep your personal information only as long as needed for the purposes described in this Policy. If you cancel or close your account, we retain your working credit and account data for a limited reactivation period (currently up to 90 days) and then securely delete or anonymize it. We retain certain records for longer where the law requires - including your signed Credit Services Agreement, your consent records, and financial and transaction records - after which they are securely destroyed. We also keep limited fraud-prevention records (such as a record of email addresses and payment methods that have used a free trial) for as long as reasonably necessary to prevent abuse of the Service.

8. Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information, including encryption in transit, access controls, and restricting access to staff who need it. No method of transmission over the Internet or method of electronic storage is completely secure, and while we strive to protect your information, we cannot guarantee its absolute security. If a privacy breach creates a real risk of significant harm to you, we will notify you and report it as required by law.

9. Your Rights

Subject to applicable law, you may request access to the personal information we hold about you, ask us to correct information that is inaccurate or incomplete, or withdraw your consent. To make a request, contact us at [email protected]. We will respond within the time required by law and may need to verify your identity first. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.

10. Cookies and Similar Technologies

We use cookies and similar technologies to operate the site, remember your preferences, keep you signed in, and understand how the Service is used. You can control cookies through your browser settings. Disabling some cookies may affect how parts of the Service function.

11. Third-Party Links

Our site may contain links to third-party websites that we do not control. This Policy does not apply to those websites, and we are not responsible for their content or privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children's Privacy

The Service is intended for adults who have reached the age of majority in their province or territory of residence. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will take appropriate steps to address it.

13. Changes to This Policy

We may update this Policy from time to time. When we do, we will post the updated version with a new "Last updated" date and, where appropriate, notify you. Your continued use of the Service after the changes take effect means you accept the updated Policy.

14. Contact Us

Credit Boost Management Services - Attention: Privacy Officer

100 King Street West, Suite 5700, Toronto, Ontario M5X 1C7, Canada

[email protected]

647 560 8033

creditboost777.com