Privacy Policy

Depending on how you interact with RGF Solutions LLC and CRDT FWRD, we may collect information including:

Personal Information

This may include:

• Full name
• Email address
• Telephone number
• Mailing address
• Date of birth or other identifying information when required to provide services
• Account and membership information
• Information submitted through contact, consultation, intake, or onboarding forms
• Communications between you and RGF Solutions LLC

Credit-Related Information

When necessary to provide individualized credit-support services, we may receive or process information such as:

• Credit reports and credit-report information
• Credit scores
• Creditor and account information
• Collection, charge-off, late-payment, inquiry, public-record, or other credit-related information
• Credit-monitoring information
• Supporting documents you voluntarily provide
• Information needed to identify or address items appearing on your credit reports

We collect or access this information only as reasonably necessary to provide requested services, support your account, satisfy legal obligations, or otherwise operate our business.

Identity Verification Information

Certain services may require documentation necessary to verify your identity or address. Depending on the circumstances, this may include government-issued identification, proof of address, or other documentation reasonably necessary to provide the requested service.

Please submit sensitive documents only through the methods designated by RGF Solutions LLC.

Payment and Billing Information

When you purchase or subscribe to CRDT FWRD or another RGF Solutions LLC service, payment information may be collected and processed by third-party payment processors.

RGF Solutions LLC may receive information concerning your transaction, such as your payment status, transaction amount, subscription status, billing history, and limited payment-method information.

Full payment-card information may be processed directly by our payment provider rather than stored by RGF Solutions LLC.

Website and Device Information

When you visit our website, certain information may be collected automatically, including:

• IP address
• Browser type
• Device type
• Pages viewed
• Referring website or source
• Approximate location based on IP address
• Date and time of visits
• Website interactions
• Cookies and similar technologies

This information may be used to operate, secure, analyze, and improve our website and marketing.

RGF Solutions LLC may use information we collect to:

• Create and manage your account;
• Process CRDT FWRD enrollment and membership;
• Provide credit-support and educational services;
• Complete onboarding and verify information;
• Review credit-related information when requested;
• Prepare and provide individualized support;
• Communicate with you regarding your account, membership, services, or required actions;
• Provide customer support;
• Process and manage payments and recurring memberships;
• Send service-related notices and reminders;
• Provide access to the CRDT FWRD community, educational materials, tools, and resources;
• Improve our programs, website, customer experience, and internal operations;
• Detect, investigate, or prevent fraud, unauthorized activity, or security incidents;
• Maintain records;
• Comply with applicable legal, regulatory, or contractual obligations; and
• Protect the rights, safety, and property of RGF Solutions LLC, our customers, and others.

By providing your contact information, you may receive communications related to your account, enrollment, onboarding, membership, appointments, payments, services, or customer-support requests.

Where permitted and with any consent required by applicable law, we may also send promotional or marketing communications regarding RGF Solutions LLC or CRDT FWRD.

You may opt out of promotional emails by using the unsubscribe option provided in the communication when available.

Opting out of promotional communications does not prevent us from sending necessary transactional or service-related messages concerning an active account, purchase, membership, or requested service.

RGF Solutions LLC does not sell your personal information to third parties for money.

We may share information with trusted third parties when reasonably necessary to operate our business or provide services, including providers that assist with:

• Payment processing;
• Credit-support and client-management systems;
• Credit-monitoring or report-related services at your direction;
• Website hosting and technology;
• Forms and onboarding;
• Email, telephone, and customer communications;
• Scheduling;
• Community and membership platforms;
• Business automation;
• Data storage and security; and
• Professional, legal, accounting, or compliance services.

These providers may receive only the information reasonably necessary to perform their respective functions, subject to their own privacy and security obligations.

We may also disclose information when required by law, legal process, court order, government request, or when reasonably necessary to protect our rights, prevent fraud, investigate misuse, or protect the safety of another person.

Certain CRDT FWRD services may require the member to maintain an active account with a third-party credit-monitoring provider.

When you voluntarily provide RGF Solutions LLC with authorized access or information necessary to perform requested services, that information will be used for the purpose of providing those services and administering your account.

Members are responsible for reviewing the privacy policies and terms of third-party services they choose or are required to use.

RGF Solutions LLC does not control the privacy, security, or data-handling practices of independent third-party providers.

Our website and service providers may use cookies, pixels, analytics tools, and similar technologies to:

• Operate website functionality;
• Remember preferences;
• Understand website traffic and usage;
• Improve website performance;
• Measure marketing effectiveness; and
• Help maintain website security.

Your browser may allow you to block or delete certain cookies. Disabling cookies may affect some website functionality.

RGF Solutions LLC takes reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, disclosure, misuse, alteration, or loss.

However, no website, electronic transmission, database, or storage system can be guaranteed to be completely secure.

Members should use only designated secure methods when submitting sensitive personal or credit-related documentation and should avoid sending sensitive information through unsecured channels when a secure method is available.

We may retain personal information for as long as reasonably necessary to:

• Provide services;
• Maintain business and transaction records;
• Manage memberships and customer relationships;
• Resolve disputes;
• Enforce agreements;
• Meet legal, accounting, tax, or regulatory requirements; and
• Protect legitimate business interests.

Information that is no longer reasonably necessary may be deleted, anonymized, or otherwise disposed of consistent with applicable requirements and our business practices.

Depending on applicable law and the nature of the information involved, you may have the ability to request that RGF Solutions LLC:

• Provide information about personal information maintained about you;
• Correct inaccurate personal information;
• Delete certain personal information;
• Update your contact information; or
• Address questions or concerns regarding how your information is handled.

Certain information may need to be retained for legal, regulatory, security, fraud-prevention, accounting, contractual, or legitimate business purposes even after a request is received.

To submit a privacy-related request, contact us using the information below.

Our website may contain links to websites, platforms, payment providers, credit-monitoring services, community platforms, or other services operated by third parties.

RGF Solutions LLC is not responsible for the privacy practices, content, security, or policies of independently operated third-party websites or services.

We encourage users to review the privacy policies of any third-party service they use.

RGF Solutions LLC and CRDT FWRD are intended for adults and are not directed toward children under the age of 18.

We do not knowingly collect personal information from children for participation in CRDT FWRD.

If we become aware that information has been collected from a child in circumstances where it should not have been collected, we may take reasonable steps to delete the information.

Questions, concerns, or requests regarding this Privacy Policy or the handling of personal information may be directed to:

RGF Solutions LLC may update this Privacy Policy periodically to reflect changes in our services, technology, business practices, or applicable requirements.

When changes are made, the updated policy will be posted on our website with a revised effective date.

Continued use of our website or services following an update is subject to the updated policy to the extent permitted by applicable law.