Privacy Policy | Credit Wealth Team

Online Privacy Policy

Last Updated: May 20, 2024

Reshwaw Wealth Management Team and/or Reshwaw Investments DBA Reshwaw Wealth Management Team (hereinafter referred to as “Credit Wealth Team” and/or “Reshwaw Wealth Management Team” and/or “Wealth Team” or “RWMT”, “The Wealth Team”, “we” or “us”) is the owner and operator of the www.creditwealthteam.com Website (“Site”) and is committed to safeguarding your privacy. Please read the following Online Privacy Policy to understand how your personal information will be treated as you make full use of our many products and offerings. By using this Site and our services, you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

Please be aware that when our information practices change or are adjusted, we may occasionally update this policy. The “Last Updated” date at the top of this Policy will be updated if we make any modifications to the Privacy Notice. Any modifications to this Notice will take effect after we publish the updated Policy on the website. You agree to the updated Policy by continuing to use the Site after these changes.

This policy will let you know:

What personally identifiable information is collected from you;
What cookies are and how Reshwaw Wealth Management Team uses them;
How your information is used;
How your information is being collected;
What information you are consenting to be shared, disclosed, or sold;
What choices are available to you regarding collection, use, and distribution of your information;
How to access, update, or delete your information;
How Reshwaw Wealth Management Team treats your personal and financial related information;
The kind of security precautions that are in place to protect the loss, misuse, or alteration of your information;
How Reshwaw Wealth Management Team protects children’s privacy;
How California consumers can access an important privacy notice; and
What else you should know about your online privacy.

1. What personally identifiable information does Reshwaw Wealth Management Team collect from me?

Reshwaw Wealth Management Team collects information in several ways. Some personal information is gathered when you register on the website. During the registration process, the Reshwaw Wealth Management Team Website requires that you create a username and password. At that time, you may also be asked for demographic information about yourself, such as your birth date, gender, and mailing address. Other than your mailing address and birth date, any other information required to provide the specific service you requested, you are not required to provide any other information, but the more information you volunteer (and the more accurate it is), the better we are able to customize your experience.

We may ask you for personal information at other times also, including (but not limited to) when you utilize a promotion sponsored by Reshwaw Wealth Management Team and/or one of our affiliates; when you make a purchase from the Reshwaw Wealth Management Team Website; and if you report a problem with our products and/or services. Such information may include your e-mail and home address as well as your Social Security number and other personal identifiers. If you contact Reshwaw Wealth Management Team, we may keep a record of that correspondence. Reshwaw Wealth Management Team may occasionally ask users to complete surveys that we use for research purposes. We may also collect information about you through and/or from third parties or service providers. This information is used to create a specific profile and help us determine how we can best assist you or determine what products best suit your needs. See section 3, “How does Reshwaw Wealth Management Team use my information?” below, for more information.

2. What cookies are and how does Reshwaw Wealth Management Team use them?

As part of offering and providing customizable and personalized services, Reshwaw Wealth Management Team Website uses cookies to store and sometimes track information about you. A ‘cookie’ is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. All pages comprising the Reshwaw Wealth Management Team Website where you are prompted to log in or that are customizable require that you accept cookies. (See “What are my choices regarding collection, use, and distribution of my information?” for more information on cookies.) Generally, we use cookies to:

Remind us of who you are and to access your account information (stored on our computers) in order to deliver to you a better and more personalized service. This cookie is set when you register or ‘Sign In’ and is modified when you ‘Sign Out’ of our services.
Estimate our audience size. Each browser accessing the Reshwaw Wealth Management Team Website is given a unique cookie which is then used to determine the extent of repeat usage, usage by a registered user versus by an unregistered user, and to help target advertisements based on user interests and behavior.
Process the items in your shopping basket. This information collected by cookies is sometimes called ‘clickstream’ or ‘click trail’ and may also describe which pages you have seen in each merchant’s store. Reshwaw Wealth Management Team Website also collects IP addresses and Internet Browser Information for system administration and to report aggregate information to our advertisers.

3. How does Reshwaw Wealth Management Team use my information?

The main reason for collecting personal data on the Reshwaw Wealth Management Team website is to offer you, the user, a tailored experience. Personalization services, interactive communications, and the presentation of advertisements for useful goods and services are all included in this. Reshwaw Wealth Management Team can provide you with more relevant advertisements and content as well as better service if they have some basic information about you. We may use your information to:

Send you requested product or service information
Provide you with a requested service
Respond to customer service requests
Send you marketing communications or advertisements
Determine what products or services may best suit your needs
Allow third parties to send you marketing communications or advertisements
Respond to your questions and concerns
Personalize your web or service experience

Compliance: We may use information we collect to detect, investigate, and prevent activities on our Sites that may violate our terms of use, could be fraudulent, violate copyright, or other rules or that may be otherwise illegal, to comply with legal requirements, and to protect our rights and the rights and safety of our users and others.

Research: We may do research on our users’ demographics, interests, and behavior based on the information provided to us upon registration and from our server log files. We do this to better understand and serve our users. This research is compiled and analyzed on an anonymous, aggregated basis.

4. How is your information being collected?

We collect information directly from you when you use this Site or sign up for our products or services. We also collect information indirectly from you based on insights gathered from your use of our Site and services. We may also collect information made available through third-party platforms and apps (such as online social media platforms), through online databases or directories, or that is otherwise legitimately obtained. This information may be governed by the privacy notice(s) provided by the third party at the time of collection. We purchase marketing data about our customers from third parties and combine it with the personally identifiable information customers provide us, to offer advertising and products in which we think our customers will be interested.

For example, some Reshwaw Wealth Management Team services may be offered in conjunction with various affiliated companies, including Tradelines (Reshwaw Wealth Management Team) and Qandid, LLC. Unless otherwise noted, the Reshwaw Wealth Management Team and, if appropriate, Direct Business Affiliates will have access to the personal information you provide when using this site.

5. Your consent to information being shared, disclosed, or sold.

By giving us your personal information through this website, you are giving us permission to buy, sell, or lease that information as set forth in this privacy statement. Your personal information might be disclosed to Reshwaw Wealth Management Team’s business partners, such as Credit Squad. Reshwaw Wealth Management Team may also share personally identifiable information with businesses that it hires as service providers, but these businesses are obligated by a strict confidentiality agreement to keep your information private unless it’s required to carry out the services you’ve requested, or you give them permission to do so.

The following lists a few more methods in which your information may be used:

Service Provider: A Service Provider is a company utilized by Reshwaw Wealth Management Team to assist Reshwaw Wealth Management Team in providing you the service you have specifically requested Reshwaw Wealth Management Team provide you. A Direct Business Affiliate is under a strict confidentiality agreement not to disclose any of your personally identifiable information to outside parties unless it is necessary to provide the services you requested, or they are given permission to do so by you.
Affiliates: Reshwaw Wealth Management Team may disclose your personal information to its affiliates, as specifically described to you when the data is collected. Unless you direct the company otherwise, Reshwaw Wealth Management Team may share your personal information with Reshwaw Wealth Management Team, or any other affiliate company.
Business Partners & Sponsors: Reshwaw Wealth Management Team may disclose or share your personal information to business partners or sponsors, as specifically described to you when the data is collected or prior to transferring the data. Some or all data collected during a Reshwaw Wealth Management Team promotion may be shared with a sponsor. Unless you direct the company otherwise, Reshwaw Wealth Management Team may share your personal information with National Debt Relief, Bills.com, or any other business (including lenders). This sharing of information with our business partners will allow them to market products to you that they believe you will be interested in.
Third Party Data and Data in the Aggregate: Under confidentiality agreements, Reshwaw Wealth Management Team may match user information with third-party data. Also, Reshwaw Wealth Management Team may disclose aggregated user statistics (for example, ‘15% of our users are located in New Jersey’) in order to describe our services to prospective partners, advertisers, and other third parties, and for other lawful purposes.
Other: Reshwaw Wealth Management Team may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact, or bring legal action against someone who may be violating the Reshwaw Wealth Management Team Website’s Terms and Conditions of Use or may be violating the Reshwaw Wealth Management Team Agreement or may be causing injury to or interference with (either intentionally or unintentionally) Reshwaw Wealth Management Team rights or property, other Reshwaw Wealth Management Team Website users, or anyone else that could be harmed by such activities. Reshwaw Wealth Management Team may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.

By providing personal information on or through the Site, or in connection with services provided by the Company thereon or in connection therewith, you agree that:

All the information you have provided is true and correct to the best of your knowledge.
You are allowing Reshwaw Wealth Management Team, and ANY third-party partners of Reshwaw Wealth Management Team to contact you about products or services; and
Reshwaw Wealth Management Team may buy, sell, rent, lease, share, or provide third-party companies your personal information that was provided to us.

Disclaimer Regarding Sharing: Reshwaw Wealth Management Team is committed to providing you outstanding services and ensuring your needs are met. With your consent, as indicated above, we may share your personal information and non-personal information with third parties for the purpose of allowing them to provide information about products and services that may be of interest to you. We may review your personal information to pick a company that is suited to provide you services that you may need. We may receive compensation from the third parties with whom we share your information. That said, we do not endorse or promote any of the third parties with which we share information. We are not attorneys, and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies that have contacted you based on the consent you have provided to Reshwaw Wealth Management Team. We are not responsible and do not guarantee any outcomes from these providers.

6. What are my choices regarding collection, use, and distribution of my information?

You may opt out of having information about you shared with third parties (other than when required by law or court order or to process transactions to which you have consented), or from receiving future offers in connection with the Site, by following the instructions contained within each marketing communication or by emailing us at ReshwawWealthManagementTeam@gmail.com. However, such opting out will not apply to any communications from our other website offerings you have registered for or to our network partners or other third parties to whom we may have already provided your information. Those third parties’ use of your information is subject to such parties’ own privacy policies and opt-out procedures, for which we are not responsible.

You also have choices with respect to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies, you may not be able to use those Site services that require registration in order to participate. If you do not wish to allow your data to be shared, you can choose not to use a particular service or not to participate in certain promotions or contests.

7. How to update, correct, or delete my personally identifiable information?

You may edit your Reshwaw Wealth Management Team Website Account Information at any time by using your Reshwaw Wealth Management Team Website User ID and password. If you have forgotten your password, please click here to request a new password. For all other problems signing into the Site, please click here to email customer service. If you are participating in a Reshwaw Wealth Management Team promotion and you wish to update your email address on the promotions mailing list or to quit a promotion and cease receiving promotion related emails, please contact reshwawwealthmanagementteam@gmail.com.

8. How does the Reshwaw Wealth Management Team Website protect my personal and financial related information?

Keeping your personal and financial information private is vitally important to us. If we are aware of the services or features you use, we may be able to provide you with better and more relevant content and advertisements. However, as with all personally identifiable data, we do not disclose this to any third parties without your consent. The Reshwaw Wealth Management Team Website user statistics that we might give to non-direct affiliates about the use of financial products or services are only given in the aggregate and do not include any information that can be used to identify a specific user. Please note that there are several places on the Site where you can transmit credit card information in order to complete a purchase transaction or for verification purposes. Any time we ask for a credit card number we transmit that credit card number in an encrypted format. We use industry standard, SSL (secure socket layer) encryption.

9. What security precautions are in place to protect the loss, misuse, or alteration of my information?

Your Reshwaw Wealth Management Team Website Account Information is password protected so that you and only you have access to this personal information. You may edit your Reshwaw Wealth Management Team Website Account Information by using your Reshwaw Wealth Management Team Website User ID and password. We recommend that you do not divulge your password to anyone. The Reshwaw Wealth Management Team Website and Reshwaw Wealth Management Team will never ask you for your password in an unsolicited phone call or in an unsolicited email. Also remember to sign out of your Reshwaw Wealth Management Team Website account and close your browser window when you have finished your work. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe.

Personal data that you submit to the Reshwaw Wealth Management Team Website may be electronically transmitted to servers located outside of the nation in which you supplied the data, such as the United States or other nations. Additionally, such information might be used, saved, and processed anywhere other than the nation where you entered it. The Reshwaw Wealth Management Team Website takes precautions to ensure that your information is handled securely and in compliance with the applicable Terms and Conditions of Use and this Privacy Policy whenever it is handled as indicated above, regardless of where this occurs. Unfortunately, no communication — by internet, phone, mail, or any other means — can be guaranteed to be 100% secure. While we strive to protect your personal information, the Reshwaw Wealth Management Team Website and Reshwaw Wealth Management Team cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

10. What about children’s privacy?

Naturally, we place a special emphasis on ensuring children’s safety. Children under the age of 13 are not eligible to acquire goods and services from Reshwaw Wealth Management Team, and neither are their parents’ or guardians’ personal information. Additionally, if a user indicates they are under 13, Reshwaw Wealth Management Team Website and Reshwaw Wealth Management Team will not send them any direct email or mail offers.

11. How California consumers access an important privacy notice?

This is notice to California Residents. If you are a California resident, California law may provide you with additional rights concerning Reshwaw Wealth Management Team’s collection and use of your personal information. After reading this Online Privacy Policy, please click here to visit Reshwaw Wealth Management Team’s California Privacy Notice to learn more about your California Privacy Rights.

12. What else should I know about my privacy?

Please keep in mind that whenever you voluntarily disclose personal information online, for example on message boards, through email, or in chat areas, that information can be collected and used by others. In short, if you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return. Ultimately, you are solely responsible for maintaining the secrecy of your passwords and/or any account information. Please be careful and responsible whenever you are online.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this Website. Any and all changes will be made here, to this Privacy Policy. We encourage you to frequently visit our website to view the most recent privacy statement so that you are aware of how we are dedicated to safeguarding your information and improving the content on our website to improve your online experience. If the policy statement is changed in a significant way, we will update this privacy statement with the latest information so that you are aware of what data we collect, how we use it, and, if applicable, under what circumstances we disclose it.

Reshwaw Wealth Management Team Global Protection Policy

1. Introduction

Welcome to the Reshwaw Wealth Management Team website (www.creditwealthteam.com). This policy outlines the terms and conditions, privacy practices, and disclaimers applicable to the use of our website and services. By accessing or using our website, you agree to be bound by this policy. This policy is intended to protect Reshwaw Wealth Management Team and its users globally.

2. Disclaimer of Liability

Reshwaw Wealth Management Team provides information and resources for credit restoration, debt consolidation, budget tips, taxes, business services/business consulting, business loans, sharing side hustle ideas, credit letters, and eBooks. All content on this website is for informational purposes only and does not constitute professional advice. Reshwaw Wealth Management Team is not liable for any actions taken based on the information provided on this website.

Third-Party Services: Reshwaw Wealth Management Team acts as an affiliate for third-party debt consolidation services. We do not control or endorse these services, and we are not responsible for their actions or outcomes. Users must independently verify the suitability and reliability of any third-party services.

3. Terms and Conditions

Use of Website and Resources: Users are granted a limited, non-exclusive, non-transferable license to access and use the website and its resources for personal, non-commercial purposes. Unauthorized use of the website or its content is prohibited.

User Responsibilities: Users must use the website in compliance with all applicable laws and regulations. Users are responsible for maintaining the confidentiality of their account information and for all activities that occur under their account.

Intellectual Property Rights: All content on this website, including text, graphics, logos, and software, is the property of Reshwaw Wealth Management Team or its content suppliers and is protected by intellectual property laws. Unauthorized use of the content is prohibited.

4. Privacy Policy

Data Collection and Usage: We collect personal information that users voluntarily provide when using our website. This information is used to provide and improve our services, communicate with users, and comply with legal obligations.

User Consent: By using our website, users consent to the collection, use, and disclosure of their personal information as described in this policy.

Data Protection Measures: We implement appropriate technical and organizational measures to protect personal data from unauthorized access, disclosure, alteration, or destruction.

5. Compliance with Laws

Reshwaw Wealth Management Team complies with all applicable local, state, and international laws, including consumer protection regulations. This includes compliance with the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Electronic Fund Transfer Act (EFTA), the Truth in Lending Act (TILA), and other relevant credit and debt laws in all 50 states. Users are entitled to their legal rights and protections under these laws.

6. Third-Party Services

Our website may contain links to third-party websites and services. Reshwaw Wealth Management Team is not responsible for the content, policies, or practices of these third-party websites. Users should review the terms and conditions and privacy policies of third-party services before using them.

7. Risk Management

Identification of Risks: We regularly assess potential risks related to the use of our website and services. This includes risks associated with data privacy, third-party services, and user interactions.

Mitigation Strategies: We implement strategies to mitigate identified risks, including data encryption, regular security audits, and user education.

8. Governing Law

This policy is governed by the laws of the State of Texas, USA, and applicable international laws. Any disputes arising from the use of our website or services will be resolved in the courts of Texas. This policy also ensures compliance with relevant credit and debt laws across all 50 states of the USA.

9. Changes to the Policy

Reshwaw Wealth Management Team reserves the right to update this policy at any time. Users will be notified of any significant changes through our website. Continued use of the website after changes are made constitutes acceptance of the updated policy.

10. Contact Information

For any inquiries or concerns regarding this policy, please contact us at:

Reshwaw Wealth Management Team
2162 Spring Stuebner Rd. Suite 217, Spring, TX 77389
Telephone: +1(210)695-0420
Email: Management@creditwealthteam.com

11. User Agreement and Acceptance

By accessing and using our website, users agree to abide by the terms outlined in this policy. This agreement is a binding legal contract between the user and Reshwaw Wealth Management Team.

12. Limitation of Liability

To the fullest extent permitted by law, Reshwaw Wealth Management Team is not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) user access to or use of or inability to access or use the website; (b) any conduct or content of any third party on the website, including without limitation, any defamatory, offensive, or illegal conduct of other users or third parties; or (c) unauthorized access, use, or alteration of user transmissions or content.

13. Indemnification Clause

Users agree to indemnify, defend, and hold harmless Reshwaw Wealth Management Team, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with (a) user access to or use of the website or services; (b) user violation of these terms; or (c) user content.

14. Cookie Policy

Our website uses cookies to enhance the user experience. Cookies are small data files stored on your device. Users can manage their cookie preferences through their browser settings. For more information, please refer to our Cookie Policy.

15. Accessibility Statement

Reshwaw Wealth Management Team is committed to making our website accessible to everyone, including individuals with disabilities. We continually improve our website to comply with accessibility standards. If you encounter any accessibility barriers, please contact us.

16. Security Measures

We take the security of user data seriously. We implement various security measures, including data encryption, firewalls, and secure access protocols, to protect against unauthorized access, disclosure, or alteration of user data.

17. User Feedback and Dispute Resolution

We value user feedback and strive to resolve any disputes amicably. Users can provide feedback or raise disputes by contacting us through the contact information provided. We will address all concerns promptly and fairly.

18. Minors and Eligibility

Our website and services are intended for users who are at least 18 years old. By using our website, users affirm that they meet this age requirement.

19. Protection of Legal Rights

Reshwaw Wealth Management Team is committed to protecting the legal rights of our business and users. We comply with various federal and state laws designed to protect our interests and those of our clients, including but not limited to:

Fair Credit Reporting Act (FCRA): Ensuring the accuracy, fairness, and privacy of information in consumer reporting.
Fair Debt Collection Practices Act (FDCPA): Prohibiting abusive, deceptive, and unfair debt collection practices.
Electronic Fund Transfer Act (EFTA): Protecting consumers when they transfer funds electronically, including through debit cards, ATMs, and direct deposits.
Truth in Lending Act (TILA): Promoting the informed use of consumer credit by requiring disclosures about its terms and cost.
Gramm-Leach-Bliley Act (GLBA): Protecting consumers’ personal financial information held by financial institutions.
General Data Protection Regulation (GDPR): Protecting data privacy and enhancing the control individuals have over their personal data within the European Union.

These laws provide a framework for safeguarding the rights of users and maintaining the integrity and security of our services.

20. Service-Specific Disclaimers

Credit Restoration: Reshwaw Wealth Management Team provides guidance and resources for credit restoration. Results may vary based on individual circumstances. We do not guarantee specific outcomes or improvements in credit scores.

Debt Consolidation: As an affiliate of third-party debt consolidation services, we provide information and referrals. Users must evaluate the suitability of these services independently. Reshwaw Wealth Management Team is not responsible for the actions or outcomes of third-party providers.

Budget Tips: The budget tips provided are for informational purposes only and should not be considered financial advice. Users should consult with a financial advisor for personalized recommendations.

Taxes: Our tax-related content is intended for general informational purposes and is not a substitute for professional tax advice. Users should consult with a tax professional for specific guidance.

Business Services/Consulting: We offer general business advice and consulting services. Users are responsible for implementing and verifying the suitability of our recommendations for their specific business needs.

Business Loans: Information on business loans provided by Reshwaw Wealth Management Team is for informational purposes only. Users must independently verify the terms and conditions of any loan offers.

Side Hustle Ideas: Ideas and suggestions for side hustles are provided for informational purposes only. Users should conduct their own research and due diligence before starting any new business venture.

Credit Letters: Sample credit letters provided on our website are for reference purposes only. Users should customize these letters to fit their specific situations and verify compliance with relevant laws.

eBooks: Our eBooks are for informational purposes only and do not constitute professional advice. Users should seek professional guidance for specific issues.

Privacy Questions

If you have any questions or concerns about Reshwaw Wealth Management Team Privacy Policy or data processing, please contact us:

Reshwaw Wealth Management Team
2162 Spring Stuebner Rd. Suite 217, Spring, TX 77389
Telephone: +1(210)695-0420
Email: Management@creditwealthteam.com

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