Privacy Policy

1. Introduction

Barreto Ventures LLC DBA Scores Lift ("Scores Lift," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website scoreslift.com or use our credit improvement services.

2. Information We Collect

To provide our credit improvement services, we may collect the following categories of personal information:

• Identity Information: Full name, date of birth, Social Security Number (SSN)
• Contact Information: Address, phone number, email address
• Financial Information: Credit reports, credit scores, account details, income information
• Communications: Messages, emails, and call recordings related to your service
• Technical Data: IP address, browser type, device data, cookies, and usage analytics

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our credit improvement services
• Pull your credit reports from the three major bureaus (Equifax, Experian, TransUnion)
• Draft and send dispute letters on your behalf
• Communicate updates on your credit improvement progress
• Comply with legal obligations, including the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA)
• Send service-related notifications (no spam — you can opt out at any time)
• Prevent fraud and protect the security of your account

4. Sharing Your Information

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

• Credit Bureaus: Equifax, Experian, and TransUnion to submit disputes on your behalf
• Service Providers: Trusted third-party partners (e.g., credit monitoring services such as Smart Credit) that support our operations under strict confidentiality agreements
• Legal Compliance: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, acquisition, or sale of company assets, with prior notice to you

5. Data Security

We implement industry-standard safeguards to protect your personal information, including:

• 256-bit SSL/TLS encryption for all data transmissions
• Secure, access-controlled servers with restricted employee access
• Regular security audits and monitoring
• Employee training on data protection protocols

No method of transmission over the Internet is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to analyze website traffic and improve your experience. You may disable cookies through your browser settings; however, some features of the site may not function properly.

7. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your personal data (subject to legal retention requirements)
• Opt out of marketing communications at any time
• File a complaint with your state attorney general's office

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

9. 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 our services after any changes constitutes your acceptance of the updated policy.