Privacy Policy

1. Who We Are and What This Policy Covers

This Privacy Policy explains how Tradeline Associates Inc. (“TLA,” “we,” “us” or “our”) handles information collected through tradelineassociates.com and its subdomains (the “Site”), our order and intake forms, phone, email and text communications, and the services we provide, including authorized user tradelines, business tradeline packages, aged shelf companies, the Funding Readiness Audit (“FRA”), business credit and funding consulting, business cash flow recovery and merchant cash advance (“MCA”) restructuring support, business tax preparation, digital products and our broker and referral partner program (together, the “Services”).

By using the Site or the Services, you acknowledge that you have read this Policy. It should be read together with our Terms & Conditions. If you do not agree with this Policy, please do not use the Site or submit information to us.

2. Information We Collect

Information you give us

• Contact and account details: name, email, phone number, mailing and billing address, and login credentials for your account on our Site.
• Identity information needed to deliver a Service: for example, to add you as an authorized user on a tradeline, our provider requires your full legal name, date of birth, Social Security number and address exactly as they appear on your credit file.
• Business information: legal business name, EIN, entity documents, formation state, ownership details, industry, revenue, time in business, bank statements, and business credit reports.
• Financial and credit information: personal or business credit reports and scores, existing debts and MCA agreements, funding history, and other documents you upload for an FRA, funding consultation, MCA restructuring or tax preparation.
• Order and payment information: products ordered, amounts and transaction records. Card and wallet details are entered directly with our payment processor and are not stored on our servers.
• Communications: messages, call notes, form submissions, survey answers and any information you choose to share with us.
• Partner information: if you apply to our broker or referral program, your business and payout details and information about clients you submit (with their permission).

Information collected automatically

• Device and usage data such as IP address, browser type, pages viewed, referring links, and the date and time of your visit.
• Cookies, pixels and similar technologies (see Cookies and Tracking).

Information from other sources

• Credit bureaus and business credit agencies, when you authorize us to obtain or review a report.
• Public records such as state business filings.
• Our tradeline, shelf company, funding and service partners, about the status of your order or application.
• Brokers or referral partners who introduce you to us.

3. How We Use Your Information

We use information only for legitimate business purposes, including to:

• Process orders, deliver Services and perform our agreements with you (for example, submitting an authorized user request, transferring a shelf company, preparing an FRA report or preparing a tax return).
• Verify identity, prevent fraud and protect you, us and our partners.
• Communicate with you about orders, appointments, account notices and support requests.
• Send marketing communications where permitted, which you can opt out of at any time.
• Operate, secure, analyze and improve the Site and our Services.
• Keep business records and comply with legal, tax, accounting and regulatory obligations, and enforce our Terms.

We do not use your information to make automated decisions that produce legal or similarly significant effects about you.

4. How We Share Information

We share information only as needed to provide the Services or run our business:

• Fulfillment partners: authorized user tradeline providers, business tradeline vendors, shelf company suppliers and registered agents, and state filing offices, to complete the order you placed.
• Funding and resolution partners: lenders, funding sources or professionals you ask us to work with, only with your direction or consent.
• Payment processing: our payment processor, Commas (formerly FanBasis), which acts as merchant of record for online payments and handles card and wallet data under its own privacy policy.
• Service providers: companies that help us operate, such as website hosting, CRM, email and SMS delivery, scheduling, document storage, analytics and customer support. They may use the information only to perform services for us.
• Brokers and referral partners: if a partner referred you, we may share limited status updates about your order so the partner can be compensated, and nothing more than necessary.
• Legal and safety: when required by law, subpoena or court order, or to protect the rights, property or safety of TLA, our clients or others.
• Business transfers: in connection with a merger, acquisition or sale of assets, subject to this Policy.

5. Text Messaging (SMS) Privacy

If you provide your mobile number and agree to receive text messages, we may send order updates, appointment reminders and, where you separately consent, promotional messages. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help at any time. Consent to receive texts is not a condition of any purchase.

6. Cookies and Tracking

We and our service providers use cookies, pixels and similar tools to keep the Site working (for example, your cart and checkout), remember preferences, measure traffic and understand how visitors use the Site. Some tools may be used to measure the performance of our ads.

You can block or delete cookies in your browser settings; some features, such as checkout, may not work without them. Our Site does not currently respond to browser “Do Not Track” signals. Where required by law, we honor Global Privacy Control (GPC) signals as a request to opt out of targeted advertising.

7. How We Protect Your Information

We use administrative, technical and physical safeguards designed to protect your information, including encrypted (HTTPS) connections, access limited to staff and partners who need it, secure document handling, and payment processing through a PCI-compliant processor. Sensitive identifiers such as Social Security numbers are collected only when a Service requires them and are shared only with the partner that needs them to complete your order.

No method of transmission or storage is 100% secure, so we cannot guarantee absolute security. Please do not send Social Security numbers, full account numbers or credit reports by regular email; use our secure forms or ask us for a secure upload link. If we learn of a security incident affecting your personal information, we will notify you as required by law.

8. How Long We Keep Information

We keep information for as long as needed to provide the Services, maintain business, tax and accounting records, resolve disputes, prevent fraud and comply with law. Retention periods depend on the type of record; for example, order and transaction records are generally kept for at least seven years. When information is no longer needed, we delete or de-identify it.

9. Your Choices

• Marketing emails: click “unsubscribe” in any marketing email.
• Text messages: reply STOP.
• Calls: ask us to place you on our internal do-not-call list.
• Account information: update your details in your account or by contacting us.

We may still send transactional messages about orders or Services you have purchased.

10. Your Privacy Rights

Depending on where you live, you may have the right to:

• Know what personal information we collect, use and disclose, and request a copy.
• Request correction of inaccurate information.
• Request deletion of your personal information, subject to legal exceptions (for example, records we must keep for tax or legal purposes).
• Opt out of the sale or sharing of personal information or targeted advertising (we do not sell personal information).
• Limit the use of sensitive personal information (we use it only to provide the Services you request).
• Appeal a decision we make about your request.

California residents: to the extent the California Consumer Privacy Act, as amended, applies to us, you have the rights above, and we will not discriminate against you for exercising them. California’s “Shine the Light” law also allows you to ask whether we share personal information with third parties for their direct marketing; we do not.

To make a request, email info@tradelineassociates.com or call (818) 860-4465. We will verify your identity before acting on a request and respond within the time required by law. You may use an authorized agent, who must provide proof of authorization.

11. Children’s Privacy

The Site and Services are intended only for adults 18 and older and for businesses. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it.

12. Third-Party Sites and Services

The Site may link to or embed third-party services, including our payment processor’s checkout, scheduling tools and partner websites. Their privacy practices are governed by their own policies, and we are not responsible for them.

13. Changes to This Policy

We may update this Policy from time to time. The “Last updated” date above shows when it last changed. Material changes will be posted on this page and, where appropriate, communicated by email. Continued use of the Site or Services after an update means you accept the revised Policy.