SCOROLOGY — PRIVACY POLICY

Last Updated: November 2025

Scorology LLC (“Scorology,” “We,” “Us,” “Our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, how we protect it, and what rights you have regarding your information.

This Policy applies to all users of:

Healthy Start™ (Credit Education & Improvement Services)

CapitalNow™ (Business Funding Advisory Services)

LifeBalance™ (Life Insurance & Protection Advisory Services)

Scorology websites, applications, dashboards, digital tools, forms, SMS services, and communications. By accessing or using any Scorology service, you consent to this Privacy Policy.

Information We Collect

We collect information that allows us to deliver our financial education, credit improvement, funding readiness, and insurance advisory services.

A. Information You Provide Directly

Name, phone number, email address, Mailing address, Date of birth, Login credentials (if applicable), Business documents (for CapitalNow™), Financial information voluntarily submitted, Insurance application information, Uploaded documents, and Survey responses, form submissions, or questionnaire answers.

B. Credit & Financial Information (Healthy Start™)

Only when voluntarily provided: Credit reports, Credit bureau data, Personal identification details, Credit history and tradeline information, Scores, account records, and dispute documentation. Note: Scorology does not pull credit without your explicit authorization.

C. Business Financial Information (CapitalNow™)

Revenue documentation, Bank statements, Business licenses or registrations, EIN and business entity data, Financial performance records, and Underwriting readiness information.

D. Insurance Information (LifeBalance™)

Income and beneficiary information, Health disclosures, Carrier application data, Underwriting correspondence. This data is used solely for insurance advisory services and shared only with licensed carriers as required.

E. Automatically Collected Information

IP address, Browser type / Device type, Usage patterns, Analytics data, Referral URLs, Session behavior. We use cookies and analytics tools to improve experience and deliver relevant content.

How We Use Your Information

We use your information to:

A. Provide and improve our services

Credit education & custom improvement planning, Business funding analysis, qualification, and application support, Life insurance assessment, matching, and advisory.

B. Verify identity and protect accounts

To maintain security, prevent unauthorized access, and ensure regulatory compliance.

C. Communicate effectively

Appointment reminders, Status updates, Educational materials, Required notifications. and Customer support.

D. Process applications

Only when you choose to proceed with: Funding application submissions and Insurance carrier submissions.

E. Comply with legal and regulatory requirements

Including credit, financial advisory, insurance, and communications regulations. We never sell your personal data.

How We Share Your Information

We may share your information with the following categories only as needed:

A. Authorized Third Parties

Credit monitoring platforms (if you enroll independently), Funding providers, lenders, or underwriting partners, Licensed insurance carriers, Financial verification tools, and Technology partners (CRM, secure communication systems). These parties may only use your data to perform services for you.

B. Legal or Regulatory Requirements

We may disclose information if required by: Court order, Legal process, State or federal regulatory agencies, or Insurance or financial compliance authorities.

C. Business Operations

Vendors who help us operate: Secure hosting, Communication services, Data storage, and Service delivery platforms. All vendors are required to maintain strict confidentiality.

D. No Sale of Personal Information

Scorology does not sell, rent, or trade your personal information. Ever.

Data Storage & Security

We implement industry-standard safeguards to protect your information, including: Encrypted data transmission (SSL), Encrypted data at rest

Access controls & authentication procedures, Firewall protection, Monitoring for suspicious activity, and Secure data centers. While we take every reasonable measure, no system is 100% invulnerable. You acknowledge that you share information at your own risk.

Your Rights & Choices

Depending on your location, you may have the right to: Access your personal information, Request corrections, Request deletion (where legally permissible), Opt out of non-essential communications, Limit certain types of data processing, and Request a copy of your data. To make a request, email: [email protected]

Data Retention

We retain information as long as necessary for: Service delivery, Legal obligations, Underwriting requirements, Recordkeeping, and Compliance audits. You may request deletion of eligible data after service completion.

SMS/Text Messaging Policy

By opting into our SMS service: You consent to receive text updates, reminders, and alerts. Message frequency varies. Message & data rates may apply. You may opt out anytime by texting “STOP”. Text “HELP” for support. See Terms & Conditions for additional details.

Children’s Privacy

Scorology does not knowingly collect or process data from individuals under 18 years old.
If we learn that we have collected data from a minor, the information will be deleted promptly.

Third-Party Links

Our website may contain links to external sites. Scorology is not responsible for their: Privacy practices, Content, and Data handling. We encourage you to review their policies before sharing information.

Changes to This Privacy Policy

We may update this Policy at any time.
If material changes occur, we will notify users via the website or email.
Continued use of the Service signifies acceptance of the updated Policy.

Contact Us

If you have questions about this Privacy Policy, you may contact us:

📧 Email: [email protected]
📞 Phone: 855-669-6479

© 2025 Scorology™. All Rights Reserved.