Privacy Notice

Why?

Legal Harbor LLC relies on financial data and chooses to provide this disclosure as do financial companies. Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Name, Social Security Number, Date of Birth, and other identifiers
• Address, e-mail address and phone number
• Information from your credit report and credit lines
• Credit card or bank account information for payment of services
• Device information such as device model, IP address, MAC address, and other identifiers

When you are no longer our client, we continue to share your information as described in this notice.

How?

All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons Legal Harborchooses to share, and whether you can limit this sharing.

To limit our sharing

*We will share your Personal Information with service providers and non-service providers for this purpose when you give us your consent. You may limit our sharing by declining consent when asked to do so.

Quetions?

go to support@legalharbor.com

What we do?

How does Legal Harbor protect my personal information?

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 managerial procedures. We use Secure Sockets Layer (SSL) encryption on all pages where personal information is collected. We retain personal information only for the time necessary and reasonable to fulfill the account purpose, unless a longer retention period is required or permitted by law.

How does Legal Harbor collect my personal information?

We collect your personal information, for example, when you:

• provide account-opening information or survey feedback
• give us your authorization to pull your credit report
• authorize us to contact your creditor on your behalf for credit repair
• provide us bank information for payment of services

We may supplement this information with information available from other sources, such as public databases, data aggregators, and other commercially available sources.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies:

• None

Service providers and related companies

Companies not related by common ownership or control. They can be financial and non-financial companies:

• Progrexion ASG, Inc.
• Progrexion Marketing, Inc.
• Credit.com, Inc.
• Progrexion Teleservices, Inc.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you:

• Our joint marketing partners include financial services companies

Other important information

Depending on where you live, you may have additional privacy protections under some state laws. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you.

California Residents – In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

Nevada Residents – We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting us at support@legalharbor.com. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: aginfo@ag.nv.gov or Legal HarborFirm, 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119, Phone number: 1-800-461-4284.

Vermont Residents – In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

Our Do Not Call Policy – In accordance with the Telephone Consumer Protection Act, we do not make calls to any residential or wireless telephone using an automatic telephone dialing system or an artificial or prerecorded voice unless you have provided express written consent along with the phone number to be called, or unless the law allows otherwise, such as to collect amounts due. Consumers who ask not to receive telephone solicitations from us will be placed on our Do Not Call list. Your Do Not Call request will be honored for five years from the time the request is made. To be put on our Do Not Call list, contact us at support@legalharbor.com.