Privacy Policy

---

Our privacy is important to Vigor Financial Credit Academy. The terms  “we”, “our”, and “us” throughout this document meanVigor Financial Credit Academy. Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting our website or agreeing to content that includes a link to this document ("Online Ads"), you agree to the practices described in this Privacy Policy and our Terms of Use. 

 1. Our Collection and Use of Personal Information

Personal Information includes information you provide us that can be used to uniquely identify or contact a single person, such as your name, address, email address, phone numbers and Social Security Number.

You may be asked to provide Personal Information when you interact with us, Online Ads, or one of our related companies, such as in connection with a completed or abandoned transaction or a request for information from us. Vigor Financial Credit Academy and its related companies and service providers may share your Personal Information with each other and use it consistent with this Privacy Policy.

We may supplement the Personal Information you provide with Personal Information available from other sources, such as credit bureaus, public databases, data aggregators, and other commercially-available sources.

2. Examples of Personal Information We Collect and How We Use It

You may provide us a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and Social Security Number.

The Personal Information we collect allows us to verify your identify, deliver requested products and services, and provide you information and offers from Service Providers and Related Companies These are financial and non-financial companies that assist us in providing services to Vigor Financial Credit Academy's clients along with other third-party companies with whom Vigor Financial Credit Academy has a contractual relationship to provide marketing offers to Vigor Financial Credit Academy clients. It also allows us to stay in contact with you, and to manage Vigor Financial Credit Academy relationship with you. By providing us with Personal Information, you consent to our transfer and storage of that information.

Email

We also may use your Personal Information for research, development, and analysis, and for advertising, marketing, security, fraud prevention, and other business activities.

For example, we may use your email address to:

• Confirm your identity;
• Send you information on the status of your account or transaction;
• Contact you if we need your assistance to complete a transaction; and
• Send you newsletters, third party marketing offers from service providers and related companies, and customer-related material as permitted by law.

We have a zero tolerance policy for email abuse. If you receive unsolicited emails from us please report it to us. We are not responsible for communications you may receive from non-affiliated third parties.

We will never ask you to provide Personal Information in an email. DO NOT RESPOND to an email that appears to be from us requesting Personal information. Contact us immediately at (301) 818-6099.

3. Our Sharing of Information with Others

Personal Information

We do not share Personal Information with businesses or individuals outside of Vigor Financial Credit Academy, except under the following circumstances:

Consent - We will share your Personal Information with others outside of Vigor Financial Credit Academy when we have your consent to do so.

Service Providers - We provide Personal Information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures. For example, we may use others to:

• deliver, evaluate the effectiveness of, and assist in improving our products and services;
• conduct consumer research and satisfaction surveys;
• assist us in analyzing and understanding consumers and how to reach them more effectively;
• assist us in fraud prevention, with our security measures, and to provide us technical support;
• provide client support;
• manage client data, and to ensure data integrity and accuracy;
• process financial transactions and perform accounting functions; and
• advertise, market, or make product or service offerings;

Legal Reasons - We will share Personal Information with others outside of Lexington if we have a good-faith belief that disclosure is necessary or appropriate to:

• comply with applicable law, regulation, legal process or enforceable governmental request;
• protect our operations or clients;
• detect, investigate, or address fraud, security, or technical problems; or
• investigate potential violations of and enforce applicable terms of service;

In the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.

Non-Personal Information

We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our business.

4. Information Security and Retention

We take precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and administrative procedures.

Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services.

We regularly review our compliance with our Privacy Policy and enforce safeguards within the company.

We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with you directly.

We use Secure Sockets Layer (SSL) encryption on all pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet.

For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, special characters, and you should avoid using the same or similar passwords across multiple sites. We recommend using a password between 12 and 16 characters long.

You may access your Personal Information by logging into your account. We make good-faith efforts to give you ways to update or to delete your Personal Information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned Vigor Financial Credit Academy representative.

We retain Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period is required or permitted by law or ethical duties, including our duty to preserve client files for a reasonable time and relevant information necessary to preserve a legal claim or defense. Our data retention for such information is seven (7) years.

We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups).

We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.

5. Third Party Privacy Policies

This Privacy Policy only addresses the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that we do not own or control or to people that we do not employ or manage. We do not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third party, please refer to the third party's privacy policy.

If you provided your information on the website of an entity not related to Vigor Financial Credit Academy, and that entity shared your information with us, the privacy policy of that website governs the non-related entity's use of your information, which may be different from this Policy.

6. Adolescents 

We do not knowingly collect Personal Information from children under 17. If we learn that we have collected the personal information of a child under 17, we will take steps to delete the Personal Information as soon as possible.

7. Privacy Policy Changes and Questions

We may update our Privacy Policy from time to time. Changes to this Privacy Policy will be posted on our website, with a corresponding revision date. Please check the website and Online Ads each time you use them for the most current information, and to ensure that you are aware of any updates.

8. Request for Information

If you have any questions or concerns about this Privacy Policy, please contact us: vigorfinancialcreditacademy@gmail.com.

Last Updated: January 2022