Overview
RJ Business Solutions ("we," "us," or "our") operates RJ Financial Readiness OS™ and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our Service.
By using the Service, you consent to the collection and use of information in accordance with this Privacy Policy. This policy applies to information collected through our website at rjbusinesssolutions.org, our enrollment portal, and any related services.
Key principle: We never sell your personal information to third parties for marketing purposes. Information shared with our service partners (MFSN for credit data, Stripe for payments) is used solely to deliver the Service to you.
Information We Collect
Information You Provide Directly
When you enroll in or use the Service, we collect information that you provide to us, which may include:
- Identity information: First and last name, date of birth, Social Security Number (required by MFSN for credit monitoring identity verification)
- Contact information: Email address, phone number, mailing address
- Account credentials: Username and password (passwords are stored in hashed, encrypted form)
- Billing information: Payment card details (processed and stored by Stripe — we do not store full card numbers)
- Plan selection: Your chosen membership tier and billing period
- Communications: Messages or inquiries you send to our support team
Information from Credit Bureaus and MFSN
When you use credit monitoring features of the Service, information from your credit files at Equifax, Experian, and TransUnion is accessed on your behalf through MyFreeScoreNow (MFSN). This includes:
- Credit reports and credit scores from all three bureaus
- Account history, payment history, and credit inquiries as reported to the bureaus
- Public records information as reported to the bureaus
Usage and Technical Information
We automatically collect certain information when you access the Service, including:
- IP address and general geographic location
- Browser type, device type, and operating system
- Pages visited, features used, and time spent on the Service
- Referring URLs and exit pages
- Dates and times of access
How We Use Your Information
We use the information we collect for the following purposes:
| Purpose | Information Used |
|---|---|
| Providing and operating the Service | Identity, contact, billing, and credit information |
| Processing enrollment and payments | Name, email, billing information (via Stripe) |
| Sending service communications | Email address, phone (for transactional notifications only) |
| Providing credit monitoring alerts | Email, phone; credit bureau data from MFSN |
| Improving and developing the Service | Aggregated usage and analytics data (de-identified) |
| Customer support and communications | Contact information, account information |
| Legal compliance and fraud prevention | Identity information, usage data, IP address |
| Enforcing our Terms of Service | Account and usage information |
We do not use your personal information to build advertising profiles or sell data to marketers. We send service-related emails (enrollment confirmations, billing receipts, credit alert notifications, and account communications). You may opt out of non-essential communications at any time by contacting us at support@rjbusinesssolutions.org.
Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include:
- 256-bit SSL/TLS encryption for all data transmitted between your browser and our servers
- Encryption of sensitive data at rest
- Access controls limiting who within our organization can access personal information
- Regular security assessments and monitoring
- Secure, hashed storage of account passwords
While we take reasonable steps to protect your information, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security of your information. If you believe your account has been compromised, please contact us immediately at support@rjbusinesssolutions.org.
Data Retention
We retain your personal information for as long as necessary to provide the Service, comply with our legal obligations, resolve disputes, and enforce our agreements. Specifically:
- Account information is retained while your account is active and for a reasonable period thereafter
- Billing records are retained for a minimum of seven years for accounting and tax purposes
- Credit monitoring data is retained in accordance with MFSN's data retention policies
- When you request deletion of your account, we will delete or anonymize your personal information within a commercially reasonable time, except where retention is required by law
Your Rights
You have the following rights regarding your personal information:
Access
You may request access to the personal information we hold about you by contacting us at support@rjbusinesssolutions.org. We will provide you with a copy of your information within a reasonable timeframe.
Correction
You may request that we correct inaccurate or incomplete personal information we hold about you. You can update certain account information directly through your member portal.
Deletion
You may request that we delete your personal information by contacting us. We will honor such requests subject to our legal obligations to retain certain records and any contractual obligations. Note that deleting your account will terminate your access to the Service.
Opt-Out of Marketing Communications
You may opt out of receiving non-essential marketing communications from us at any time by clicking the unsubscribe link in any marketing email or by contacting us directly. Note that even after opting out of marketing communications, you will continue to receive service-related and transactional communications necessary for your account.
Data Portability
Where technically feasible, you may request a copy of your personal data in a structured, machine-readable format by contacting us at support@rjbusinesssolutions.org.
To exercise any of these rights, please contact us at support@rjbusinesssolutions.org. We will respond to your request within 30 days. We may need to verify your identity before fulfilling certain requests.
Children's Privacy
The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at support@rjbusinesssolutions.org and we will take steps to remove such information from our records. If we become aware that we have collected personal information from a child under 18 without parental consent, we will take steps to delete that information.
California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These rights include:
- The right to know what personal information we collect, use, disclose, and sell
- The right to delete personal information we have collected from you
- The right to opt out of the sale of your personal information (note: we do not sell personal information)
- The right to non-discrimination for exercising your CCPA rights
- The right to correct inaccurate personal information
- The right to limit use and disclosure of sensitive personal information
To exercise your California privacy rights, please contact us at support@rjbusinesssolutions.org with the subject line "California Privacy Request."
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or the Service. We will notify you of any material changes by posting the updated policy on this page with a new "Last Updated" date and, where appropriate, by sending you an email notification.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the Service after the posting of a revised Privacy Policy constitutes your acceptance of the revised policy.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
- Email: support@rjbusinesssolutions.org
- Mail: RJ Business Solutions, Attn: Privacy, 1342 NM 333, Tijeras, New Mexico 87059
- Website: rjbusinesssolutions.org
We are committed to resolving privacy concerns promptly and will respond to your inquiry within 30 days.