Privacy Policy

1. Introduction

Rise Over Debt LLC (“Rise Over Debt,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, purchase our courses, or otherwise interact with our credit education materials (collectively, the “Service”). By using the Service, you agree to the practices described in this policy.

2. Information We Collect

We collect information you provide directly, information collected automatically, and information from third parties:

• Information you provide: name, email address, and any details you submit when subscribing to our email list, downloading a free guide, purchasing a course, or contacting us.
• Automatic data: IP address, browser type, device type, pages viewed, referring URLs, and timestamps, collected via analytics tools such as Google Analytics 4.
• Payment information: processed directly by our third-party payment processors. We do not store full credit card numbers on our servers.

We do not collect, request, or store sensitive personal information such as Social Security numbers, full credit reports, or financial account credentials.

3. How We Use Your Information

We use the information we collect to:

• Deliver courses, downloads, and other educational materials you request.
• Send transactional emails (receipts, access links, support responses).
• Send marketing emails about new courses and resources — you can unsubscribe at any time.
• Improve our website, content, and customer experience.
• Comply with legal obligations and enforce our Terms of Service.

4. How We Share Your Information

We do not sell your personal information. We share data only with:

• Service providers who help us run the business — email marketing (Zoho Campaigns), automation (Zoho Flow), payment processing, analytics, and hosting. These providers are bound by confidentiality obligations.
• Legal authorities when required by law, subpoena, court order, or to protect our rights and safety.
• Business transfers in connection with a merger, acquisition, or sale of assets, subject to standard confidentiality.

5. Cookies and Tracking

We use cookies and similar technologies to remember your preferences, analyze site traffic, and measure the performance of our content. You can disable cookies in your browser settings, though some parts of the Service may not function properly without them. We use Google Analytics 4 to understand how visitors use our site; you can opt out via the Google Analytics Opt-out Browser Add-on.

6. CROA Compliance

Rise Over Debt is NOT a credit repair organization as defined by the Credit Repair Organizations Act (CROA). We provide educational content only. We do not file disputes on your behalf, contact creditors or credit bureaus for you, pull your credit reports, or guarantee any specific credit score outcome. Because we do not perform credit repair services, we have no need to collect — and do not collect — Social Security numbers, date of birth for credit-pull purposes, credit report data, or bureau login credentials. Any action you take based on our materials is your own.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security and encourage you to use strong, unique passwords and exercise caution when sharing information online.

8. Your Rights and Choices

You may request access to, correction of, or deletion of the personal information we hold about you by emailing info@riseoverdebt.com. You can unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email we send. Depending on your location (e.g., California, EU), you may have additional rights under applicable privacy laws such as the CCPA or GDPR.

9. Children’s Privacy

The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us and we will delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last updated” date. Your continued use of the Service after changes are posted constitutes acceptance of the revised policy.

11. Contact

If you have questions about this Privacy Policy or your personal information, contact us at: info@riseoverdebt.com