PRIVACY POLICY

Muñoz VIP Services LLC
Last updated: February 11, 2025

This Privacy Policy describes how Muñoz VIP Services LLC (“Muñoz VIP Services,” “we,” “us,” or “our”) collects, uses, shares, and protects your personal information when you visit our website www.munozvip.com, use our services, communicate with us, or interact with any of our digital platforms (collectively, the “Services”).

By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Services.

1. WHO WE ARE & CONTACT INFORMATION

Company Name: Muñoz VIP Services LLC
Business Type: Financial mentorship and credit education services
Email: [email protected]

If you have questions about this Privacy Policy or how we handle your data, you may contact us at the email above.

2. SCOPE OF THIS POLICY

This Privacy Policy applies to:

Visitors to our website (www.munozvip.com and any subdomains).

Clients and prospective clients who:
• Request a consultation
• Enroll in our courses or memberships
• Use our credit mentorship or financial education services

Individuals who interact with us via:
• Email, SMS, phone
• WhatsApp or similar messaging apps
• Social media platforms (Instagram, Facebook, YouTube, TikTok, etc.)
• Third-party tools we use (CRM systems, payment processors, analytics tools)

This Policy does NOT apply to websites or services not owned or controlled by us.

3. INFORMATION WE COLLECT

We collect information in three ways:

3.1. Information You Provide Directly

Full name

Email address

Phone number

Mailing or billing address

Username / password (if you create an account)

Credit reports or scores you share or allow access to

SSN or ITIN (only when necessary and voluntarily provided)

Financial information you choose to share with us

Payment details (processed securely by third parties)

Communications via email, SMS, WhatsApp, or social media

Testimonials, feedback, survey responses

3.2. Information We Collect Automatically

When you visit our site:

IP address

Device information

Browser type & version

Pages visited and actions taken

Time spent on our website

Referring URLs

Cookies and tracking technologies

3.3. Information From Third Parties

We may receive data from:

Credit monitoring services you connect to

Payment processors (Stripe, etc.)

Marketing/analytics platforms (Google Analytics, Meta Pixel)

Referral partners or affiliates

4. HOW WE USE YOUR INFORMATION

We use your data to:

Provide and manage our services

Communicate with you

Send marketing and educational content

Improve our services and website

Process payments and manage accounts

Prevent fraud and protect our systems

Comply with legal obligations

5. LEGAL BASIS FOR PROCESSING (EU/UK VISITORS)

If you visit from EU/UK territories, data may be processed under:

Consent

Contractual necessity

Compliance with law

Legitimate interests

6. HOW WE SHARE YOUR INFORMATION

We DO NOT SELL your personal information.

We may share your data with:

Service providers (hosting, email, CRM, analytics, payments)

Credit-related tools you connect to

Business partners or affiliates (only with your permission or request)

Government or legal authorities when required

Successor organizations during mergers/acquisitions

7. COOKIES & TRACKING TECHNOLOGIES

We use cookies to:

Improve website functionality

Analyze visitor behavior

Support advertising and retargeting

You may disable cookies through your browser settings.

8. HOW WE PROTECT YOUR INFORMATION

We use reasonable administrative, technical, and physical safeguards:

Encrypted connections (HTTPS)

Secure third-party payment processors

Limited access to personal data internally

However, no method of transmission or storage is completely secure.
You are responsible for protecting your account credentials.

9. DATA RETENTION

We retain your information only as long as necessary to:

Provide services

Fulfill legal obligations

Resolve disputes

You may request deletion (see Section 10).

10. YOUR RIGHTS & CHOICES

Depending on your location, you may have rights to:

Access your personal data

Correct inaccurate information

Request deletion

Restrict processing

Object to certain uses

Request a portable copy

Marketing Opt-Out:
You can unsubscribe from marketing emails or SMS at any time.

Submit any privacy requests to:
[email protected]
Subject line: “Privacy Request”

11. CHILDREN’S PRIVACY

Our services are intended for adults.
We do not knowingly collect personal information from children under 13.
If we discover such data, we will delete it immediately.

12. INTERNATIONAL USERS

Your information may be transferred to and processed in the United States.
By using our Services, you consent to this transfer.

13. THIRD-PARTY LINKS

We are not responsible for the privacy practices of third-party websites or services that we link to or reference.

14. CHANGES TO THIS PRIVACY POLICY

We may update this Policy at any time.
We will post the updated version with a new “Last Updated” date.
Continued use of our Services signifies your acceptance of changes.

15. CONTACT US

For privacy-related questions or concerns, contact:

Muñoz VIP Services LLC
Email: [email protected]