Legal
Privacy policy & disclosures
Last updated: [MONTH DAY, YEAR]
Draft placeholder text. This page is a starting template, not final legal copy and not legal advice. Items in [brackets] need your details, and the whole page should be reviewed by a qualified attorney before you rely on it.
Educational disclaimer
Tradeline Truth ("we", "us") is an educational publication operated by LGJ Enterprises LLC, a [STATE] limited liability company. Content on this website, our YouTube channel, emails and downloads is for general education only.
It is not financial, legal, tax or credit-repair advice, and we are not a credit repair organization, lender, broker or credit bureau. We do not sell tradelines, add anyone to credit accounts, or accept payment to improve anyone's credit. Results vary with your credit file, the card issuer's reporting practices and the scoring model a lender uses; no result is promised.
Consult a qualified professional about your own situation. Nothing here creates a professional relationship.
Affiliate disclosure
Some links on this site, in our video descriptions and in our emails are affiliate links. If you click one and sign up or buy, we may earn a commission at no additional cost to you. This disclosure is provided in line with the U.S. Federal Trade Commission's Endorsement Guides.
Affiliate relationships never determine what we say about a product. We only link to tools we would mention anyway, and we label affiliate links where they appear. We do not accept affiliate commissions from companies that sell tradelines.
Current affiliate relationships may include: [Nav], [ZenBusiness], [CREDIT MONITORING PARTNER], [OTHER PARTNERS].
We may also sell our own educational products, such as the Authorized User Credit Accelerator Guide, when available. These are clearly identified as our own products.
Privacy policy
Information we collect
- Information you give us: your email address and, optionally, your first name when you request the 30-Day Authorized User Score Tracker or join our newsletter.
- Information collected automatically: basic usage data such as pages visited, referring site, approximate location, device and browser type, collected by [ANALYTICS PROVIDER].
- Campaign data: if you arrive from a link with tracking parameters (for example UTM tags), we store those with your sign-up to understand which content brings subscribers.
We never ask for your credit reports, scores, Social Security number or account numbers, and the tracker template stays in your own copy. Please don't send that information to us.
How we use it
- To deliver the download you requested and send our newsletter.
- To tell subscribers about new content and, later, our own products or partner offers. Every email has an unsubscribe link.
- To understand how the site is used and improve it.
Service providers
We use third parties to run the site and email list, including [EMAIL PROVIDER — e.g. ConvertKit / Mailchimp / Systeme.io], [HOSTING PROVIDER — e.g. Netlify / Cloudflare Pages / GitHub Pages], [ANALYTICS PROVIDER] and [PAYMENT PROCESSOR — e.g. Stripe / Gumroad, once products launch]. They process data on our behalf under their own privacy policies. We do not sell your personal information.
Cookies and embedded content
Videos on this site don't load from YouTube until you press play; they use YouTube's privacy-enhanced mode, and once playing YouTube may set cookies under its own policy. Affiliate links may set cookies with the partner so a referral can be credited. [Describe analytics cookies, if any, and any cookie banner.]
Your choices and rights
You can unsubscribe from emails at any time using the link in any email. You can ask us to access, correct or delete your information by writing to [PRIVACY CONTACT EMAIL]. Depending on where you live (for example California or the EU/UK), you may have additional rights; [add jurisdiction-specific language as advised by counsel].
Data retention and security
We keep subscriber information while you're subscribed and for [PERIOD] afterward, unless you ask us to delete it sooner. We use reasonable safeguards, but no online service is completely secure.
Children
This site is intended for adults. We don't knowingly collect information from anyone under 18.
Changes
We'll post any changes to this policy on this page and update the date at the top.
Terms of use
By using this site you agree to use it for lawful, personal, educational purposes. Content is provided "as is" without warranties of any kind. To the fullest extent permitted by law, LGJ Enterprises LLC is not liable for decisions you make based on it.
Videos, text, templates and brand assets are © LGJ Enterprises LLC. You may share links and use the tracker template for your own records; please don't republish or resell our materials. Equifax, Experian, TransUnion, FICO, VantageScore and other names are trademarks of their owners and are used for identification only; we are not affiliated with them.
These terms are governed by the laws of [STATE]. [Add dispute-resolution language as advised by counsel.]
Contact
LGJ Enterprises LLC
[MAILING ADDRESS]
hello@example.com