Privacy Policy
Effective Date: September 17, 20250
Scars to Stars | RealTalk Credit (“Company,” “we,” “us,” or “our”)
This Privacy Policy explains how we collect, use, disclose, and protect personal information when you use our sites and services, including:
RealTalkCredit.com – coaching, landing pages, sign-up forms, email opt-ins, link-in-bio pages.
ScarsToStarsPathwayToSuccess.com – educational blog and content.
By using our sites, forms, or services, you agree to this Privacy Policy.
1) Who We Are (Data Controller)
Scars to Stars | RealTalk Credit
📧 [email protected]
We are the data controller for personal information collected through our sites and services.
2) Information We Collect
A. You Provide
Identifiers: name, email, phone.
Purchase details (via secure payment processors).
Form/opt-in responses, coaching/support inquiries.
Testimonials (with your consent).
B. Collected Automatically
IP address, device and browser information.
Pages viewed, links clicked, time on page, referring URLs.
Approximate location (city/region).
Collected via cookies, pixels, and similar tech (e.g., Google Analytics, Meta/Facebook Pixel).
C. From Third Parties
Payment confirmations from processors (no full card data).
Campaign/CRM performance metrics from email or CRM tools.
We do not intentionally collect sensitive personal information.
3) How We Use Personal Information
Provide and support purchases (digital products, private chat access).
Communicate about your account, service status, and updates.
Send marketing only if you opt in (you can opt out anytime).
Improve sites, content, and user experience (analytics).
Detect, prevent, and address fraud/security issues.
Comply with legal, tax, and regulatory obligations.
GDPR Legal Bases (EEA/UK visitors)
Contract (to provide what you purchased or requested).
Consent (email/SMS marketing, non-essential cookies).
Legitimate interests (site security, analytics, improving services), balanced against your rights.
Legal obligation (tax, accounting).
4) Cookies & Tracking
We use cookies/pixels to personalize content, measure performance, and support marketing. You can control cookies in your browser. In some regions, you may see a banner to manage preferences. We honor Global Privacy Control (GPC) signals where legally required.
5) Email & SMS Communications
Email marketing: sent only if you opt in; unsubscribe anytime via the link in each email or by contacting us.
Transactional emails: receipts, access links, service notices—sent regardless of marketing consent.
SMS (if you provide a number): transactional texts (access, reminders, service updates). Msg & data rates may apply. Reply STOP to opt out; HELP for help. Consent is not a condition of purchase.
6) How We Share Information
We do not sell or rent personal information. We share limited data with:
Payment processors: PayPal, Stripe.
Email & CRM tools: (e.g., Kartra, MailerLite, GoHighLevel/Automate & Elevate).
Analytics/ads partners: Google Analytics, Meta/Facebook Pixel.
Operational vendors: hosting, security, scheduling.
If we use cross-context behavioral advertising, it may be considered “sharing” under U.S. state laws. See Your U.S. Privacy Rights below for opt-out options.
7) Data Retention
Customer records and transaction data: kept for as long as you have an account/active service and as required for legal/tax purposes (typically up to 7 years).
Marketing contacts: until you unsubscribe or your consent is withdrawn, or after a period of inactivity.
Analytics data: retained per tool default settings or as minimized by us.
8) Security
We apply commercially reasonable safeguards (e.g., SSL, restricted access, secure processors). No method is 100% secure; you use the services at your own risk.
9) International Transfers
If you are outside the U.S., your information may be processed in the U.S. and other countries. Where required, we use lawful transfer mechanisms (e.g., Standard Contractual Clauses).
10) Your Privacy Rights
A. U.S. (e.g., CA/VA/CO/CT/UT)
You may have the right to know/access, correct, delete, and to opt out of sale or sharing and targeted advertising. We do not “sell” personal information for money, but some advertising/analytics may be considered “sharing.” We do not use or disclose sensitive personal information for purposes that require a right to limit.
Exercise rights / Do Not Sell or Share / Opt out of Targeted Ads: contact us or use available preference tools.
We will verify your request (and accept authorized agent requests where applicable).
We will not discriminate against you for exercising rights.
B. EEA/UK
You have rights to access, rectify, erase, restrict, object, and data portability, and to withdraw consent at any time (processing before withdrawal remains lawful). You may lodge a complaint with your local supervisory authority.
How to exercise rights: email [email protected] with your request and the email used on our sites.
11) Children’s Privacy
Our services are not directed to children under 13. If we learn we collected data from a child, we will delete it.
12) Affiliates & Sponsored Content
Some links may be affiliate links; we may earn a commission at no extra cost to you. Sponsored content is labeled. See our Legal Disclaimer for details.
13) Third-Party Sites & Services
Our sites may link to third-party sites. Their privacy practices are governed by their policies; please review them.
14) Changes to This Policy
We may update this Policy periodically. The “Effective Date” shows the latest version. Material changes may be notified by email or on-site notice.
15) Contact Us
Questions or requests about this Policy or your data:
📧 [email protected]
California Notice at Collection (CCPA/CPRA)
Categories Collected: identifiers (name, email, IP), commercial info (purchase history), internet activity (usage data), approximate geolocation, inferences (interest segments), and—via processors only—payment info.
Purposes: to provide services, process transactions, customer support, security, debugging, analytics, and (with consent) marketing.
Retention: as described in Data Retention above.
Sharing for Cross-Context Behavioral Advertising: possible with ads/analytics partners; you can opt out as described in Your Privacy Rights.
Sale: we do not sell personal information for monetary value.
Non-Discrimination: we will not discriminate for exercising rights.