LIFEIFY PRIVACY POLICY
Effective Date: October 28, 2025
Entity: Lifeify (S-Corporation)
Address: 7660 Monterey Street,Suite 202, Gilroy, CA 95020
Toll-Free: 1-866-543-3439 | Bay Area: (408) 580-5488 | Bakersfield:(661) 593-4744
Email: support@lifeify.com | Website: https://lifeify.com
1. Purpose and Scope
This Privacy Policy explains how Lifeify (“we,” “us,” “our”) collects, uses, and protects personal information obtained through our website, client intake forms, SMS messages, and services related to credit education and credit-repair assistance offered in the United States. Lifeify complies with the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and all applicable federal and state privacy laws. We do not guarantee specific credit outcomes or scores.
2. Information We Collect
We may collect identifiers, government IDs, financial information, account credentials, internet activity data, communication records, and inferences related to your use of our services.
3. How We Collect Information
Directly from you, automatically via cookies and analytics, from partners at your request (IdentityIQ, SmartCredit, ScoreSense, Credit Hero/CRC), and from payment processors.
4. Use of Information
Used to provide and improve services, draft dispute letters, communicate about billing, perform analytics, send marketing (with consent), comply with laws, and prevent fraud.
5. Legal Bases and Compliance
Lifeify operates in compliance with CROA, FCRA, GLBA, CAN-SPAM, TCPA/A2P 10DLC, COPPA, CalOPPA, CCPA/CPRA, and other U.S. state privacy laws.
6. Cookies and Tracking
We use essential, analytics, and advertising cookies (Google, Meta, TikTok). Users can control or opt-out via browser settings or by emailing support@lifeify.com.
7. How We Share Information
We do not sell personal data. Limited sharing with service providers, credit bureaus, or legal entities may occur, with confidentiality obligations in place.
8. Data Security SSL/TLS Encryption
Encryption at rest, MFA, limited access, SOC 2 hosting, and firewalls are used to secure data.
9. Data Retention Records
Data Retention Records are retained for at least 5 years as required under financial laws, then securely deleted or de-identified.
10. User Rights
You may access, correct, delete, or opt out of data sharing. Requests via support@lifeify.com, with 45-day response. Authorized agents permitted.
11. Marketing and SMS
We send communications only with opt-in consent. Reply STOP to texts or use email unsubscribes. We comply with TCPA and A2P 10DLC rules.
12. E-Sign Consent
Electronic signatures through CRC or integrated systems comply with the E-SIGN Act.
13. Children’s Privacy
We do not knowingly collect data from children under 13.
14. Data Breach Notification
Users will be notified within 30 days of a confirmed breach.
15. State Rights
State-specific rights under CA, VA, CO, CT, UT laws. Opt-out via Do Not Sell or Share My Personal Information link or Global Privacy Control.
16. Do Not Track
We honor GPC signals as legally required.
17. Financial Privacy
(GLBA) Customers receive separate GLBA Privacy Notice if applicable.
18. Policy Updates
This policy may change. Latest version at https://lifeify.com/privacy-policy.
19. Contact Us
Lifeify, 7660 Monterey Street, Suite 202, Gilroy, CA 95020 | support@lifeify.com | 1-866-543-3439