Online Privacy Policy Last Updated: November 14, 2022 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 owner and operator of 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 ou r many products and offerings. By using this Site and our service is, 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 does the Reshwaw Wealth Management Team use 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 Consumer’s Access an Important Privacy Notice; and What else you should know about your online privacy? 1. What personally identifiable information does the Reshwaw Wealth Management TeamWebsite collect from me? Reshwaw Wealth Management Team Website 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 as 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 make, contact with 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 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. To 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 the 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 serves may best suit your needs For 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 your information is 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 varies 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. The following describes some of the other ways that your information may be disclosed. 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 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 3rd 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 thirds parties with whom we share your information with. That said, we do not endorse or promote any of the third parties for which we share information with. 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 Consumer’s 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. 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 If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at +1(832)799-7502 or via email at reshwawwealthmanagementteam@gmail.com PLEASE PRINT AND RETAIN A COPY

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