PRIVACY POLICY - HEALING-CAPITAL

Effective Date: January 1, 2026

Last Updated: January 1, 2026

1. INTRODUCTION

Ezra Masters LLC, doing business as Healing-Capital ("we," "us," or "our"), 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 (Healing-Capital.com) or use our services.

2. INFORMATION WE COLLECT

A. Information You Provide

We collect information you voluntarily provide when you:

  • Fill out contact forms or request consultations

  • Purchase services or products

  • Subscribe to our newsletter or community

  • Communicate with us via email, phone, or chat

  • Create an account or profile

This may include:

  • Name and contact information (email, phone, address)

  • Payment and billing information

  • Credit report information and financial data

  • Business information

  • Any other information you choose to provide

B. Automatically Collected Information

When you visit our website, we automatically collect:

  • IP address and device information

  • Browser type and version

  • Pages visited and time spent

  • Referring URLs

  • Cookies and similar tracking technologies

C. Third-Party Information

We may receive information from:

  • Credit bureaus and reporting agencies

  • Payment processors

  • Business partners and service providers

  • Public databases

3. HOW WE USE YOUR INFORMATION

We use collected information to:

A. Provide Services

  • Deliver credit consultation and business funding services

  • Process transactions and payments

  • Communicate about your account and services

  • Provide customer support

B. Improve Our Business

  • Analyze website usage and optimize user experience

  • Develop new services and features

  • Conduct research and analytics

  • Send marketing communications (with your consent)

C. Legal and Security

  • Comply with legal obligations

  • Prevent fraud and security threats

  • Enforce our Terms of Service

  • Protect our rights and property

4. HOW WE SHARE YOUR INFORMATION

We do not sell your personal information. We may share information with:

A. Service Providers

We share information with third-party vendors who perform services on our behalf:

  • Payment processors

  • Credit reporting agencies

  • Email and communication platforms

  • Website hosting and analytics providers

  • [Partner credit repair organizations - details to be added]

B. Business Partners

With your consent, we may share information with business partners for funding opportunities or related services.

C. Legal Requirements

We may disclose information when required by law, subpoena, court order, or to:

  • Comply with legal processes

  • Protect our rights and property

  • Prevent fraud or illegal activity

  • Ensure safety of users or the public

D. Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

5. DATA SECURITY

We implement reasonable security measures to protect your information, including:

  • Encryption of sensitive data

  • Secure payment processing

  • Access controls and authentication

  • Regular security assessments

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

6. DATA RETENTION

We retain your information for as long as necessary to:

  • Provide services you've requested

  • Comply with legal obligations

  • Resolve disputes and enforce agreements

  • Maintain business records

You may request deletion of your information, subject to legal and contractual obligations.

7. YOUR PRIVACY RIGHTS

Depending on your location, you may have rights to:

A. Access and Portability

  • Request a copy of your personal information

  • Receive data in a portable format

B. Correction

  • Update or correct inaccurate information

C. Deletion

  • Request deletion of your information (subject to exceptions)

D. Opt-Out

  • Unsubscribe from marketing communications

  • Disable cookies through browser settings

  • Opt out of data sharing (where applicable)

E. Do Not Sell (California Residents)

  • We do not sell personal information as defined by CCPA

To exercise these rights, contact us at [your email].

8. COOKIES AND TRACKING

A. Types of Cookies

We use:

  • Essential cookies: Required for website functionality

  • Analytics cookies: Track usage and performance

  • Marketing cookies: Deliver targeted advertising

B. Managing Cookies

You can control cookies through browser settings. Disabling cookies may affect website functionality.

C. Third-Party Tracking

We may use services like Google Analytics, Facebook Pixel, and other tracking tools. These services have their own privacy policies.

9. CHILDREN'S PRIVACY

Our services are not intended for individuals under 18. We do not knowingly collect information from minors. If we discover we've collected such information, we will delete it promptly.

10. THIRD-PARTY LINKS

Our website may contain links to third-party sites. We are not responsible for the privacy practices of external sites. Review their privacy policies before providing information.

11. INTERNATIONAL DATA TRANSFERS

Your information may be transferred to and processed in the United States or other countries. By using our services, you consent to such transfers.

12. CHANGES TO THIS POLICY

We may update this Privacy Policy periodically. Changes become effective upon posting. Continued use after changes constitutes acceptance.

13. CONTACT US

For privacy questions or to exercise your rights, contact:

Ezra Masters LLC d/b/a Healing-Capital 17350 State Hwy 249 Ste 220-15766 Houston, TX 77064 Email: [email protected] Website: www.Healing-Capital.com