Privacy Policy

Dirmarcus Scott Consulting ("we," "us," or "our"), a DBA of New Era of Conscious Living, operates the website at https://neweraofconsciousliving.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our Site or use our credit consulting and financial coaching services.

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

We may collect the following categories of personal information:

Information You Provide Directly - Name, email address, and phone number submitted through our contact or inquiry forms - Information shared during consultations, coaching sessions, or communications with us - Payment and billing information when you enroll in our services (processed by our third-party payment processor)

Information Collected Automatically - IP address, browser type, operating system, and device information - Pages visited, time spent on pages, referring URLs, and clickstream data - Cookies and similar tracking technologies (see Section 7 below)

Information from Third Parties - Credit report data or financial information you voluntarily share with us as part of our consulting services - Referral information if you arrive at our Site through a partner link

We use the information we collect for the following purposes:

- Service Delivery: To provide credit consulting, dispute assistance, ChexSystems/EWS remediation, and financial coaching services - Communications: To respond to your inquiries, send appointment confirmations, and provide service updates - Billing & Enrollment: To process payments and manage your subscription or service enrollment - Site Improvement: To analyze usage patterns and improve the functionality and content of our Site - Legal Compliance: To comply with applicable laws, regulations, and legal processes - Marketing: To send promotional communications about our services, with your consent where required by law. You may opt out at any time.

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

- Service Providers: With trusted vendors who assist us in operating our Site and delivering services (e.g., payment processors, scheduling platforms, email service providers), bound by confidentiality obligations - Credit Bureaus & Agencies: Only with your explicit consent, as necessary to perform dispute or remediation services on your behalf - Legal Requirements: When required by law, court order, or governmental authority, or to protect the rights, property, or safety of Dirmarcus Scott Consulting, our clients, or others - Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

Client service records may be retained for up to seven (7) years to comply with applicable financial recordkeeping requirements.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

We encourage you to use strong passwords, keep your account credentials confidential, and notify us immediately if you suspect unauthorized access to your information.

Our Site may use cookies and similar technologies to enhance your browsing experience and analyze Site traffic. Cookies are small text files stored on your device.

Types of cookies we may use: - Essential Cookies: Required for the Site to function properly - Analytics Cookies: Help us understand how visitors interact with our Site (e.g., Google Analytics) - Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of our Site.

Our Site may contain links to third-party websites, including our credit monitoring partner Credit Hero Score. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Depending on your state of residence, you may have certain rights regarding your personal information, including:

- Access: The right to request a copy of the personal information we hold about you - Correction: The right to request correction of inaccurate or incomplete information - Deletion: The right to request deletion of your personal information, subject to certain exceptions - Opt-Out: The right to opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails

California Residents: Under the California Consumer Privacy Act (CCPA), California residents have additional rights. We do not sell personal information. To exercise your rights, contact us using the information in Section 12.

To exercise any of these rights, please contact us at [email protected].

Our Site and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly. If you believe we have collected information from a child under 13, please contact us at [email protected].

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Dirmarcus Scott Consulting A DBA of New Era of Conscious Living 24818 Morton Ranch Rd, Ste 200, PMB#50, Houston, TX 77082 Phone: (832) 892-2540 Email: [email protected]

We will respond to your inquiry within a reasonable timeframe, typically within 30 days.