1.   INTRODUCTION

Improvifi LLC (“Improvifi,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you:

• Visit our website at com (the “Site”)
• Enroll in and participate in the Improvifi PROgram (the “PROgram”)
• Communicate with us through any channel
• Use our services, training materials, or community platforms

 Please read this Privacy Policy carefully. By accessing the Site, enrolling in the PROgram, or using our services, you acknowledge that you have read and understood this Privacy Policy and agree to be bound by its terms.

IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE SITE OR USE OUR SERVICES.

 

2.  INFORMATION WE COLLECT

We collect information about you in various ways when you use our services. The types of information we may collect include:

2.1Personal Information You Provide Directly

Account and Enrollment Information:

• Full name and business name
• Email address and phone number
• Mailing address and billing address
• Business type, industry, and contractor license information
• Tax identification number (EIN) or Social Security Number (for business verification and or enrollment)
• Payment information (credit card, bank account details)
• Username and password for your account

Business and Financial Information:

• Annual revenue and business financials
• Credit score range and financial history
• Years in business and number of employees
• Business banking information
• Information required for lending partner enrollment and underwriting

Communications and Support:

• Information you provide in emails, phone calls, SMS messages, video chats, or other communications
• Feedback, survey responses, and testimonials
• Questions asked during training sessions or in the community forum
• Support ticket information and correspondence

Profile and Preference Information:

• Training preferences and goals
• Areas of interest within the PROgram
• Communication preferences
• Profile information you add to your SKOOL community account

2.2  Information Collected Automatically

Device and Usage Information:

• IP address and geolocation data
• Browser type and version
• Operating system and device type
• Pages visited, time spent on pages, and navigation patterns
• Referring website or source
• Date and time stamps of access
• Click-stream data and interaction with features

Cookies and Tracking Technologies:

• Session cookies (temporary)
• Persistent cookies (remain after browser closure)
• Analytics cookies
• Functional cookies
• Marketing and advertising cookies
• Pixel tags, web beacons, and similar technologies

For more information about cookies and how to manage them, see Section 8 below.

Training Platform Activity:

• SKOOL community participation and posts
• E-course progress and completion rates
• Training session attendance and engagement
• Resources downloaded or accessed
• Video viewing duration and completion

2.3  Information from Third Parties

Lending Partners:

• Application status and approval decisions
• Credit checks and underwriting results
• Transaction data and funding information
• Performance metrics and portfolio data

Business Information Services:

• Business verification data
• Credit bureau information
• Public records and business filings
• Industry databases and directories

Service Providers:

• Payment processing information
• Email delivery and engagement metrics
• Analytics and performance data
• Customer relationship management (CRM) data

Social Media and Professional Networks:

• Information from your public social media profiles if you connect them to your account
• Professional background information from LinkedIn or similar platforms (if you provide authorization)

2.4  Sensitive Information

We may collect sensitive information necessary for lending partner enrollment, including:

• Social Security Numbers or Tax ID Numbers
• Credit reports and financial account numbers
• Driver’s license or other government identification

We collect this sensitive information only when necessary for legitimate business purposes and handle it with enhanced security measures.

 

3.   HOW WE USE YOUR INFORMATION

We use the information we collect for various business purposes, including:

3.1  To Provide and Manage Services

• Process your enrollment and membership in the PROgram
• Grant access to training materials, e-courses, and community platforms
• Facilitate onboarding, needs analysis, and consulting services
• Schedule and conduct training sessions, calls, and webinars
• Provide customer support and respond to inquiries
• Process payments and maintain billing records
• Administer your account and membership

3.2  To Facilitate Lending Partner Relationships

• Submit applications to lending partners on your behalf
• Coordinate enrollment with multiple lenders
• Track application status and communicate updates
• Facilitate merchant services and financing solutions
• Maintain relationships with our lending partner network
• Support your access to various lending programs (merchant, sub-prime, direct-to-consumer, secured)

3.3  To Improve and Personalize Your Experience

• Customize training recommendations based on your business needs
• Personalize content and communications
• Track your progress through training modules
• Provide relevant resources and tools
• Improve the PROgram based on usage patterns and feedback
• Develop new features, services, and offerings

3.4  To Communicate with You

• Send transactional emails (enrollment confirmation, payment receipts, account updates)
• Provide training schedules, webinar invitations, and event notifications
• Send program updates, announcements, and important notices
• Deliver educational content and resources
• Respond to your questions and support requests
• Share community updates and member success stories
• Send marketing communications about our services (with your consent)

3.5  To Ensure Security and Compliance

• Verify your identity and prevent fraud
• Protect against unauthorized access or security breaches
• Monitor and analyze security threats
• Enforce our Terms and Conditions
• Comply with legal obligations and regulatory requirements
• Respond to legal requests and prevent illegal activity
• Protect the rights, property, and safety of Improvifi, our members, and others

3.6  For Analytics and Business Operations

• Analyze usage patterns and engagement metrics
• Conduct market research and surveys
• Generate statistical and demographic insights
• Measure the effectiveness of training programs
• Track member success and program outcomes (in aggregate)
• Improve our marketing and business strategies
• Evaluate and improve our service providers

3.7  For Marketing and Advertising

• Send promotional materials about our services (where permitted)
• Display targeted advertisements on third-party platforms
• Measure advertising campaign effectiveness
• Build lookalike audiences for marketing purposes
• Create case studies and testimonials (with your explicit permission)
• Share success stories within the community

 

4.   HOW WE SHARE YOUR INFORMATION

We may share your information in the following circumstances:

4.1  With Lending Partners

We share relevant business and financial information with our lending partners to:

• Process your applications for financing programs
• Complete enrollment and account setup
• Conduct credit checks and underwriting analysis
• Facilitate funding and transaction processing
• Monitor ongoing performance and portfolio management

Lending partners include:

• Multi-lender merchant lending platforms
• Sub-prime merchant lenders (for FICO 550-680)
• Direct-to-consumer lending networks
• Secured lending providers (HI-Loans)

Each lending partner has its own privacy policy governing their use of your information. We encourage you to review their policies.

4.2  With Service Providers

We engage third-party service providers to perform functions on our behalf, including:

• Payment Processing: Secure payment gateways and merchant services
• Cloud Hosting: Data storage and server infrastructure providers
• Communication Tools: Email services, SMS platforms, video conferencing (Google Meet, Zoom)
• Community Platform: SKOOL platform services
• Analytics: Website and platform analytics providers
• Customer Support: CRM and helpdesk software
• Marketing: Email marketing, advertising platforms, and campaign management
• Security: Fraud prevention, authentication, and cybersecurity services

These service providers have access to your information only to perform tasks on our behalf and are obligated to protect your information.

4.3  For Business Transfers

If Improvifi is involved in a merger, acquisition, asset sale, bankruptcy, or other business transaction, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our Site of any change in ownership or uses of your information.

4.4  For Legal Purposes

We may disclose your information when required or permitted by law:

• To comply with legal obligations, subpoenas, court orders, or legal processes
• To respond to lawful requests from public authorities (law enforcement, regulatory agencies)
• To enforce our Terms and Conditions and other agreements
• To protect the rights, property, or safety of Improvifi, our members, or the public
• To investigate and prevent fraud, security issues, or illegal activity
• To defend against legal claims or litigation

4.5  With Your Consent

We may share your information with third parties when you provide explicit consent:

• Testimonials or case studies featuring your business (with your written permission)
• Referrals to specific service providers you request
• Integration with third-party tools or platforms you authorize
• Participation in joint marketing initiatives or partnerships

4.6  Aggregate and De-Identified Information

We may share aggregate, anonymized, or de-identified information that cannot reasonably be used to identify you:

• Industry benchmarking and reports
• Statistical analysis and research
• Marketing materials and presentations
• Public communications about program effectiveness

4.7  Within the Member Community

Information you choose to share within the private SKOOL community (posts, comments, profile information) will be visible to other PROgram members. We encourage you to exercise discretion about what you share publicly within the community.

 

5.   DATA RETENTION

5.1  Retention Period

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Active Membership:

• We retain all information throughout your active membership to provide continuous service

After Cancellation or Termination:

• Account and enrollment information: 7 years (for accounting and legal compliance)
• Financial and tax-related information: 7 years (IRS requirements)
• Communication records: 3 years
• Training progress and platform usage data: 3 years
• Marketing data: Until you opt-out or request deletion

Legal and Compliance:

• Information subject to legal holds or investigations: Until the matter is resolved
• Information required for ongoing contractual obligations: Duration of the obligation plus applicable statute of limitations

5.2  Deletion Requests

You may request deletion of your personal information as described in Section 10 (Your Privacy Rights). However, we may retain certain information when we have a legitimate business reason or legal obligation to do so.

 

6.   DATA SECURITY

6.1  Security Measures

We implement reasonable administrative, technical, and physical security measures designed to protect your information from unauthorized access, disclosure, alteration, or destruction:

Technical Safeguards:

• Encryption of data in transit using SSL/TLS protocols
• Encryption of sensitive data at rest
• Secure password policies and multi-factor authentication options
• Regular security assessments and vulnerability testing
• Firewalls and intrusion detection systems
• Secure backup and disaster recovery procedures

Administrative Safeguards:

• Access controls limiting employee access to personal information on a need-to-know basis
• Confidentiality agreements with employees and service providers
• Regular security training for staff
• Incident response and breach notification procedures
• Vendor security assessments

Physical Safeguards:

• Secure facilities with controlled access
• Protection of devices and equipment containing personal information
• Secure disposal procedures for documents and devices

6.2  Payment Security

Payment information is processed through PCI-DSS compliant payment processors. We do not store complete credit card numbers on our servers.

6.3  Your Responsibility

You are responsible for:

• Maintaining the confidentiality of your account credentials
• Using strong, unique passwords
• Logging out after using shared devices
• Notifying us immediately of any unauthorized access

6.4  No Guarantee

While we strive to protect your information, no security system is impenetrable. We cannot guarantee the absolute security of your information. Transmission of information over the internet is done at your own risk.

 

7.   INTERNATIONAL DATA TRANSFERS

Improvifi is based in the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States and other countries where our service providers operate.

These countries may have data protection laws that differ from the laws of your country. By using our services, you consent to the transfer of your information to the United States and other countries.

For users in the European Economic Area (EEA), United Kingdom, or Switzerland, we rely on appropriate safeguards for international data transfers, including Standard Contractual Clauses approved by the European Commission.

 

8.   COOKIES AND TRACKING TECHNOLOGIES

8.1  What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help websites function properly and provide information to website owners.

8.2  Types of Cookies We Use

Essential Cookies:

• Required for the Site and PROgram to function
• Enable account login and authentication
• Remember your preferences and settings
• Cannot be disabled without affecting functionality

Analytics Cookies:

• Help us understand how visitors use our Site
• Collect information about page visits, traffic sources, and user behavior
• Enable us to improve our services
• Examples: Google Analytics

Functional Cookies:

• Enhance functionality and personalization
• Remember your preferences and choices
• Provide personalized content and recommendations

Marketing Cookies:

• Track visitors across websites for advertising purposes
• Measure advertising campaign effectiveness
• Build profiles for targeted advertising
• Examples: Facebook Pixel, Google Ads

8.3  Third-Party Cookies

We may allow third-party service providers to place cookies on your device for analytics, advertising, and other purposes. These third parties have their own privacy policies.

8.4  Managing Cookies

Browser Settings: Most browsers allow you to:

• View and delete cookies
• Block third-party cookies
• Block all cookies (may affect functionality)
• Receive notifications when cookies are set

Opt-Out Tools:

• Google Analytics Opt-Out: https://tools.google.com/dlpage/gaoptout
• Network Advertising Initiative: http://www.networkadvertising.org/choices/
• Digital Advertising Alliance: http://www.aboutads.info/choices/

Do Not Track: We currently do not respond to Do Not Track (DNT) signals, as there is no industry standard for how to respond to them.

 

9.   THIRD-PARTY LINKS AND SERVICES

9.1  Third-Party Websites

Our Site and communications may contain links to third-party websites, including:

• Lending partner websites and enrollment tools
• Service provider platforms
• Social media platforms
• Educational resources and tools

We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any information.

9.2  Third-Party Integrations

The PROgram integrates with third-party platforms:

• SKOOL: Community platform with its own privacy policy
• Google Meet & Zoom: Video conferencing services
• Lending Partner Portals: Each with separate privacy practices

Your use of these platforms is subject to their respective terms and privacy policies.

9.3  Social Media Features

Our Site may include social media features (Facebook Like button, Twitter share, etc.). These features may collect your IP address, page visits, and set cookies. Your interactions with these features are governed by the privacy policy of the company providing them.

 

10.   YOUR PRIVACY RIGHTS

Depending on your location, you may have certain rights regarding your personal information:

10.1  Access and Portability

• Right to Access: Request a copy of the personal information we hold about you
• Right to Data Portability: Receive your information in a structured, machine-readable format

10.2  Correction and Update

• Right to Correction: Request correction of inaccurate or incomplete information
• Account Updates: Update your information directly through your account settings

10.3  Deletion and Erasure

• Right to Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Right to Erasure: Request removal of information no longer necessary for the purposes collected

10.4  Restriction and Objection

• Right to Restriction: Request limitation on how we process your information
• Right to Object: Object to processing based on legitimate interests or for marketing purposes

10.5  Marketing Communications

• Right to Opt-Out: Unsubscribe from marketing emails using the link in each message
• Communication Preferences: Manage your communication preferences in your account settings
• SMS Opt-Out: Reply STOP to any marketing text message

Note: Even if you opt-out of marketing communications, we may still send transactional and account-related messages.

10.6  Consent Withdrawal

If we process your information based on consent, you have the right to withdraw that consent at any time. This will not affect the lawfulness of processing before withdrawal.

10.7  How to Exercise Your Rights

To exercise any of these rights, please contact us at:

Email: tiffini@improvifi.com

Mail: Improvifi LLC, 1126 N Springerview Loop , Midway Utah 84049

Phone: 813.965.2663

We will respond to your request within 30 days (or as required by applicable law). We may require verification of your identity before processing your request.

10.8  California Privacy Rights

California Residents have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know:

• Categories of personal information collected
• Categories of sources from which information is collected
• Business or commercial purpose for collecting information
• Categories of third parties with whom we share information
• Specific pieces of personal information collected

Right to Delete: Request deletion of personal information (subject to exceptions)

Right to Opt-Out: Opt-out of the “sale” of personal information

Note: We do not sell personal information in the traditional sense, but some data sharing for advertising purposes may be considered a “sale” under CCPA.

Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

Authorized Agent: You may designate an authorized agent to make requests on your behalf

To exercise CCPA rights, contact us using the information above and specify that you are making a CCPA request.

10.9  Nevada Privacy Rights

Nevada Residents may opt-out of the “sale” of their personal information under Nevada law. We do not currently sell personal information as defined by Nevada law. If our practices change, we will update this policy and provide opt-out mechanisms as required.

10.10  European Privacy Rights

EEA, UK, and Swiss Residents have rights under the General Data Protection Regulation (GDPR) and similar laws:

Legal Basis for Processing: We process your information based on:

• Contract Performance: To provide the PROgram services
• Legitimate Interests: To improve services, ensure security, and conduct business operations
• Legal Compliance: To comply with legal obligations
• Consent: For marketing communications and certain data processing activities

Right to Lodge a Complaint: You may lodge a complaint with a supervisory authority in your jurisdiction

Data Protection Officer: For GDPR-related inquiries, contact [Insert DPO Contact Information]

 

11.   CHILDREN’S PRIVACY

The PROgram and our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18.

If we discover that we have collected information from a child under 18 without parental consent, we will delete that information promptly. If you believe we have collected information from a child under 18, please contact us immediately at [Insert Privacy Email Address].

 

12.   CHANGES TO THIS PRIVACY POLICY

12.1  Right to Modify

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or for other operational reasons.

12.2  Notice of Changes

When we make material changes to this Privacy Policy, we will:

• Update the “Last Updated” date at the top of this policy
• Post a notice on our Site homepage
• Send an email notification to your registered email address
• Post an announcement in the member community

12.3  Review and Acceptance

We encourage you to review this Privacy Policy periodically. Your continued use of our services after changes are posted constitutes your acceptance of the updated Privacy Policy.

If you do not agree to the updated Privacy Policy, you must discontinue use of our services and may cancel your membership in accordance with our Terms and Conditions.

 

13.   CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Improvifi LLC

Attn: Privacy Officer

1126 N Springer View Loop Midway Utah 84049

Email: tiffini@improvifi.com

Phone: 813.965.2663

Website: improvifi.com

Response Time: We will respond to privacy inquiries within 30 days of receipt.

Complaints: If you have a complaint about our privacy practices, please contact us first so we can attempt to resolve the issue. If you are not satisfied with our response, you may have the right to lodge a complaint with a supervisory authority in your jurisdiction.

 

14.   EFFECTIVE DATE

This Privacy Policy is effective as of the date listed at the top of this document and applies to all information collected on or after that date.

If you enrolled in the PROgram before this effective date, this Privacy Policy governs our use of your information going forward, subject to any rights you may have under previous versions of our privacy policy.

 

ACKNOWLEDGMENT

By using our Site, enrolling in the PROgram, or continuing your membership after this Privacy Policy becomes effective, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

END OF PRIVACY POLICY