PRIVACY POLICY

Effective Date: February 17, 2026
Last Updated: February 17, 2026

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1. INTRODUCTION

Quick Credit Academy ("we," "us," "our," or the "Company") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.quickcreditacademy.com/ (the "Site") and use our services, including our test preparation courses, online learning portal, live classes, tutoring services, and related educational offerings (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Site or Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site or use our Services.

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2. INFORMATION WE COLLECT

We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you or your household.

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2.1 Personal Information You Provide to Us

Personal identifiers and contact details. We may collect personal identifiers and similar information you voluntarily provide, such as your name, email address, phone number, mailing address, username, and password.

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Payment details. If you make a purchase, we collect information necessary to process your payment (such as billing name, billing address, payment method details, and transaction history). We do not intentionally store full payment card numbers on our own servers; our payment processors handle payment card data in accordance with their security standards.

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We may collect personal information that you voluntarily provide to us when you:

• Register for an account or enroll in our courses

• Schedule or participate in tutoring sessions or live classes

• Request information about our Services

• Subscribe to our newsletters or marketing communications

• Contact our customer support team

• Complete surveys, assessments, or feedback forms

• Make purchases or process payments

• Apply for employment opportunities

This personal information may include:

• Contact Information: Name, email address, phone number, mailing address

• Account Credentials: Username, password, and security questions

• Demographic Information: Age, date of birth, gender, education level

• Educational Information: Academic history, test scores, course progress, learning preferences, degree goals

• Payment Information: Credit card numbers, billing address, and payment history

• Communication Data: Messages, questions, comments, or feedback you provide to us

• Professional Information: Employment status, occupation, career goals

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2.2 Information Automatically Collected

When you access our Site or Services, we automatically collect certain information about your device and usage patterns, including:

• Device Information: IP address, browser type and version, operating system, device identifiers

• Usage Data: Pages visited, time spent on pages, links clicked, navigation paths, access times and dates

• Location Data: General geographic location based on IP address

• Cookies and Tracking Technologies: Information collected through cookies, web beacons, pixels, and similar technologies (see Section 8)

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2.3 Information from Third Parties

We may receive information about you from third parties, such as:

• Social media platforms (if you connect your account)

• Payment processors and financial institutions

• Marketing partners and analytics providers

• Public databases and data aggregators

• Referral sources and affiliate partners

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2.4 Student Performance and Learning Data

As part of our educational Services, we collect and track:

• Course enrollment and completion data

• Practice exam scores and performance metrics

• Study time and progress tracking

• Video viewing history and engagement metrics

• Quiz and assessment results

• Learning analytics and personalized recommendations

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3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes, including to provide our test prep services, process payments, and communicate updates:

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3.1 Provide and Improve Services

• Deliver our test preparation courses, tutoring, and educational content

• Create and manage your account

• Process enrollments and payments

• Provide customer support and respond to inquiries

• Personalize your learning experience and provide customized study recommendations

• Track your progress and performance

• Schedule live classes and tutoring sessions

• Facilitate communication between students and instructors

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3.2 Communication

• Send administrative information, updates, and service-related announcements

• Deliver newsletters, educational resources, and promotional materials (with your consent)

• Respond to your questions, comments, and requests

• Conduct surveys and gather feedback

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3.3 Analytics and Improvement

• Analyze usage patterns and trends to improve our Services

• Conduct research and development for new features and offerings

• Monitor and analyze the effectiveness of our educational programs

• Generate aggregate statistical data and analytics

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3.4 Marketing and Advertising

• Send you information about courses, programs, and special offers

• Display targeted advertisements on our Site and third-party platforms

• Measure the effectiveness of our marketing campaigns

• Identify potential customers and market our Services

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3.5 Legal and Security

• Comply with legal obligations and regulatory requirements

• Protect against fraud, unauthorized access, and security threats

• Enforce our Terms of Service and other agreements

• Resolve disputes and troubleshoot problems

• Protect the rights, property, and safety of Quick Credit Academy, our users, and the public

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4. HOW WE SHARE YOUR INFORMATION

We may share your information in the following circumstances. We do not sell your personal information. We share personal information with third parties only as needed to operate our Site and provide our Services, and primarily with essential service providers.

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4.1 Service Providers (Essential)

We share information with third-party vendors, consultants, and service providers who perform services on our behalf and are necessary to operate our business, including:

• Payment processors and financial institutions

• Cloud hosting and data storage providers

• Email and communication service providers

• Customer relationship management (CRM) platforms

• Learning management system (LMS) providers

• Analytics and marketing service providers

• Customer support tools and platforms

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These service providers are contractually obligated to use your information only as necessary to provide services to us and to protect the confidentiality and security of your information.

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4.2 Educational Partners

We may share relevant information with colleges, universities, and testing organizations as necessary to:

• Verify your test scores and course completion

• Process credit recommendations and transcript requests

• Facilitate partnerships and program collaborations

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4.3 Business Transfers

If Quick Credit Academy 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 of any such change in ownership or control of your personal information.

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4.4 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Valid legal processes (subpoenas, court orders, warrants)

• Government or regulatory requests

• Legal claims or disputes

• Situations involving potential threats to safety or security

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4.5 With Your Consent

We may share your information with third parties when you provide explicit consent or direct us to do so.

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4.6 Aggregate and De-Identified Data

We may share aggregate, anonymized, or de-identified information that cannot reasonably be used to identify you, for research, marketing, analytics, or other business purposes.

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5. DATA RETENTION

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. The retention period depends on:

• The nature of the information collected

• The purpose for which it was collected

• Our legal and regulatory obligations

• Our legitimate business interests

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

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6. DATA SECURITY

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures may include:

• Encryption of data in transit and, where appropriate, at rest

• Secure server infrastructure and network security controls

• Role-based access controls and authentication procedures

• Regular security assessments, monitoring, and logging

• Employee training on data protection and confidentiality practices

• Use of reputable third-party payment processors to help protect payment card data

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.

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7. YOUR PRIVACY RIGHTS

Depending on your location and applicable law, you may have the following rights regarding your personal information:

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7.1 Access and Portability

You have the right to request access to the personal information we hold about you and to receive a copy of that information in a structured, commonly used, and machine-readable format.

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7.2 Correction and Update

You have the right to request that we correct inaccurate or incomplete personal information about you. You can also update your information by logging into your account.

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7.3 Deletion

You have the right to request that we delete your personal information, subject to certain exceptions (such as when we are required to retain information for legal compliance).

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7.4 Opt-Out of Marketing

You have the right to opt out of receiving marketing communications from us at any time by:

• Clicking the "unsubscribe" link in our emails

• Contacting us directly at the information provided in Section 13

• Updating your communication preferences in your account settings

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Please note that even if you opt out of marketing communications, we may still send you non-promotional messages related to your account and our Services.

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7.5 Object to Processing

You have the right to object to certain processing of your personal information, such as direct marketing or processing based on legitimate interests.

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7.6 Restrict Processing

You have the right to request that we restrict the processing of your personal information in certain circumstances.

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7.7 Withdraw Consent

If we process your information based on your consent, you have the right to withdraw that consent at any time.

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To exercise any of these rights, please contact us using the information provided in Section 13. We will respond to your request in accordance with applicable law. Please note that we may need to verify your identity before processing your request.

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8. COOKIES AND TRACKING TECHNOLOGIES

8.1 What Are Cookies

Cookies are small text files placed on your device when you visit our Site. We use cookies and similar tracking technologies (such as web beacons, pixels, and scripts) to collect information about your browsing activity and preferences.

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8.2 Types of Cookies We Use

• Essential Cookies: Necessary for the Site to function properly and enable core features such as security, authentication, and session management

• Functional Cookies: Enable enhanced functionality and personalization, such as remembering your preferences and settings

• Analytics Cookies: Help us understand how visitors use our Site by collecting information about pages visited, time spent, and navigation patterns

• Advertising Cookies: Used to deliver relevant advertisements and measure the effectiveness of marketing campaigns

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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 governing their use of information.

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8.4 Cookie Management

Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. Please note that disabling cookies may affect the functionality of our Site and Services. You can also use browser extensions or opt-out tools provided by third-party advertising networks.

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9. THIRD-PARTY LINKS AND SERVICES

Our Site may contain links to third-party websites, applications, or services that are not owned or controlled by Quick Credit Academy. This Privacy Policy does not apply to those third-party sites. We are not responsible for the privacy practices or content of third parties. We encourage you to review the privacy policies of any third-party sites you visit.

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10. CHILDREN'S PRIVACY

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. Our target audience consists of adults seeking higher education opportunities. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information as soon as possible. If you believe we have collected information from a child under 13, please contact us immediately.

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11. INTERNATIONAL DATA TRANSFERS

Quick Credit Academy 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 those in your country of residence.

By using our Services, you consent to the transfer of your information to the United States and other jurisdictions as described in this Privacy Policy. We implement appropriate safeguards to protect your information in accordance with this Privacy Policy and applicable law.

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12. UPDATES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, Services, legal requirements, or for other operational reasons. When we make changes, we will:

• Update the "Last Updated" date at the top of this Privacy Policy

• Post the revised Privacy Policy on our Site

• Notify you of material changes via email or prominent notice on our Site (where required by law)

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Your continued use of our Services after the effective date of any changes constitutes your acceptance of the revised Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

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13. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact the Quick Credit Academy Team:

Quick Credit Academy Team
Privacy Team
Email: privacy@quickcreditacademy.com
Website: https://www.quickcreditacademy.com/contact

We will respond to your inquiry within a reasonable timeframe in accordance with applicable law.

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14. STATE-SPECIFIC PRIVACY RIGHTS

14.1 California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know: You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for collection, and the categories of third parties with whom we share information.

• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.

• Right to Opt-Out of Sale: We do not sell personal information as defined by California law. However, you have the right to opt out of the sharing of your personal information for targeted advertising purposes.

• Right to Correct: You have the right to request correction of inaccurate personal information.

• Right to Limit Use of Sensitive Personal Information: You have the right to limit our use and disclosure of sensitive personal information to certain purposes.

• Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your privacy rights.

To exercise these rights, please contact us using the information in Section 13. We do not discriminate against California residents who exercise their privacy rights.

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14.2 Virginia, Colorado, Connecticut, and Utah Residents

If you are a resident of Virginia, Colorado, Connecticut, or Utah, you may have additional privacy rights under your state's privacy law, including the right to access, correct, delete, and obtain a copy of your personal information, as well as the right to opt out of targeted advertising and certain data processing activities.

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14.3 Nevada Residents

Nevada residents have the right to opt out of the sale of certain covered information. We do not currently sell covered information as defined under Nevada law. If you are a Nevada resident and would like to submit an opt-out request, please contact us using the information in Section 13.

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15. DO NOT TRACK SIGNALS

Some web browsers have a "Do Not Track" (DNT) feature that signals to websites that you do not want your online activities tracked. Our Site does not currently respond to DNT signals or similar mechanisms. However, you can manage cookies and tracking technologies as described in Section 8.

By using Quick Credit Academy's Services, you acknowledge that you have read and understood this Privacy Policy.