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You are purchasing the service of being added as an authorized user on one or more seasoned credit card accounts held by third-party cardholders (each a “Cardholder”), each for one billing cycle, so that each account’s payment history may report to your consumer credit file with the nationwide credit bureaus.

The specific tradeline or tradelines you have selected (each a “Tradeline,” collectively the “Tradelines”) are:

(a) Itemization. Each Tradeline is listed above with its own Line Price. The itemized list shown to you at checkout is stored with your order and is the controlling record of what you purchased and what each Tradeline cost.

(b) Total Cost. The Total Cost stated above is the entire amount you will pay for this service. There are no additional fees, recurring charges, or charges of any kind beyond the Total Cost.

(c) Allocated Price. Where a discount has been applied to your order, each Tradeline’s Allocated Price is its Line Price reduced by that Tradeline’s proportionate share of the discount. If no discount applies, a Tradeline’s Allocated Price equals its Line Price.

(d) Recalculated Price. If you cancel one or more Tradelines under Section 5 while keeping others, the Tradelines you keep are re-priced at the pricing that would have applied had you ordered only those Tradelines. Any discount that depended on the cancelled Tradelines no longer applies. The resulting figure is the Recalculated Price of your order.

We do not, and this Agreement does not: (a) give you any Cardholder’s card, card number, account access, or any right to charge or borrow against any account; (b) extend credit to you, lend you money, or open a new account in your name; (c) remove, dispute, or alter any information already on your credit file; (d) create a new credit identity, and we will never provide or accept a “credit privacy number,” “CPN,” or any substitute for your Social Security number; (e) guarantee any change to any credit score (see Section 8).

(a) Payment method. Payment for this service is by wire transfer only. We do not accept credit cards, debit cards, ACH transfers, checks, money orders, or any other payment method.

(b) When wire instructions are released. Wire instructions for our designated business account are released to you in your customer portal immediately upon signing this Agreement. They are not available before signing.

(c) Wire timing. You agree to initiate a wire transfer of the full Total Cost from your own bank account within two (2) business days of signing.

(d) Order-ID memo (required). Each wire must include your Order Reference in the payment memo or reference field. Wires that omit the Order Reference may be delayed during verification or, if we cannot reasonably attribute the deposit to your order, may not be credited until you provide additional identifying information.

(e) Receipt upload. Within twenty-four (24) hours of initiating your wire, you agree to upload a clear image or PDF of your wire confirmation or sending-bank receipt to your customer portal at tradelines.ai. Your upload is what moves your order into “Payment Under Review” status. Failure to upload does not relieve us of our obligation to credit a properly attributed wire we actually receive, but it will delay verification.

(f) Verification. We verify each wire against the actual deposit record from our business banking institution. Verification ordinarily completes within two (2) business days of the later of (i) receipt of your wire and (ii) your receipt upload. Upon successful verification, your order status becomes “Paid” and the authorized-user work is queued, subject to the cancellation period in Section 5.

(g) Rejected verification and re-submission. If we cannot verify your wire — for example, because the amount does not match, the Order Reference is missing, or we cannot identify the deposit — your order will return to “Awaiting Payment” status and you will be notified through your customer portal and by email. You may then re-upload a corrected receipt or contact us to resolve the discrepancy. Your cancellation right in Section 5 is unaffected by your order’s payment status and remains exercisable for the full statutory window from the date you signed this Agreement.

(h) Wire fees. You are responsible for any fees imposed by your sending bank to initiate the wire. The Total Cost stated in Section 1 must be received in full; you may not net wire fees from the Total Cost.

(i) Late or non-payment. If we have not received and verified a wire within five (5) business days of signing, we may cancel your order and treat this Agreement as void without further notice. No authorized-user work will be performed in the absence of received and verified payment.

An authorized-user request will be submitted to the relevant issuing bank for each Tradeline in your order promptly after both (i) your cancellation period under Section 5 has expired without cancellation and (ii) your wire payment has been verified under Section 3(f) — ordinarily within two (2) business days of the later of those two events. Requests for multiple Tradelines are submitted independently and may be submitted on different days. Once a request is submitted, the resulting payment history for that Tradeline is expected to post to your credit file 7–10 days after that Cardholder’s statement date. Posting cadence is controlled by the issuing bank and the credit bureaus, not by us; we therefore state a window, not an exact day. The estimated date by which the service will be fully performed as to any Tradeline is forty-five (45) days after submission of that Tradeline’s authorized-user request, which is the outer boundary of the Posting Guarantee in Section 6.

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached Notice of Cancellation form for an explanation of this right.

You may cancel by any of the following methods, each of which is effective if completed before the deadline: (a) using the “Cancel” function in your customer portal at tradelines.ai; (b) mailing or delivering the signed Notice of Cancellation form (or any other written notice of cancellation) to Learning Machines LLC d/b/a Tradelines.AI, 2267 Trawood Dr, Suite A-2, El Paso, TX 79935; or (c) emailing written notice of cancellation to legal@tradelines.ai.

(a) Cancelling all or part of your order. You may cancel your entire order, or you may cancel one or more individual Tradelines while keeping the others. To cancel individual Tradelines, identify them by the Tradeline reference shown on your order.

(b) Your cancellation deadline does not change. Your cancellation period runs from the date you signed this Agreement. Cancelling one Tradeline does not restart, extend, or shorten the cancellation period for any Tradeline you keep. The period also runs regardless of your order’s payment status; an order in “Awaiting Payment” or “Payment Under Review” status may still be cancelled.

(c) Refund on full cancellation. If you cancel your entire order — including by cancelling your last remaining Tradeline — your order is void and we refund the full Total Cost.

(d) Refund on partial cancellation. If you cancel some Tradelines and keep others, the Tradelines you keep are re-priced under Section 1(d) and your refund is the Total Cost you paid minus the Recalculated Price of the Tradelines you keep. Because a discount that depended on the cancelled Tradelines no longer applies, your refund may be less than the cancelled Tradelines’ Line Prices. Your order summary will show the recalculation before you confirm a partial cancellation.

(e) Refund timing and method. Refunds under this Section are initiated within ten (10) business days of your cancellation, either by wire transfer to the originating account shown on your uploaded receipt or by company check mailed to the address on file with your order, at our election.

(f) No work begins during the cancellation period. No authorized-user request will be submitted to any issuing bank for any Tradeline before your cancellation period has expired.

(a) The guarantee. This guarantee applies separately to each Tradeline in your order. If a Tradeline has not posted to your credit file with at least one nationwide credit bureau within forty-five (45) days after the date that Tradeline’s authorized-user request was submitted to the issuing bank, the remedies below apply to that Tradeline. The success or failure of any one Tradeline does not affect any other Tradeline in your order.

(b) Remedy sequence. First, we will assign you to a comparable replacement tradeline at no additional cost. A “comparable” tradeline is one in the same or higher tier (card age and credit limit band) as the Tradeline it replaces. The 45-day window restarts upon submission of the replacement request. A replacement is provided at no additional cost to you regardless of its standalone list price.

(c) Your election. If the first replacement also fails to post within its 45-day window, you choose: a further replacement, or a refund of the Allocated Price of that Tradeline as defined in Section 1(c). If you elect a refund, we will initiate it within ten (10) business days of your election, either by wire transfer to the originating account shown on your uploaded receipt or by company check mailed to the address on file with your order, at our election. The time for the refund to be received after initiation is controlled by the receiving bank.

(d) Refund amount. A refund under this Section is the Allocated Price of the failed Tradeline as defined in Section 1(c) — not the list price of any replacement Tradeline you were assigned, and not subject to the recalculation that applies to cancellations under Section 5(d). If every Tradeline in your order is refunded under this Section, the total refunded equals the Total Cost you paid.

(e) Effect on other Tradelines. A refund of one Tradeline does not cancel, refund, or otherwise affect any other Tradeline in your order, and does not affect any authorized-user relationship already established on another Cardholder’s account.

(f) What the guarantee does not cover. The guarantee does not apply where the failure to post results from inaccurate identifying information you provided, or from a credit-file condition on your side (such as a security freeze, fraud alert, or suppressed file) that you did not resolve after we notified you. Refunds are not available on the ground that a posting occurred but your credit score did not change as you hoped.

(a) Card closure. If a card account underlying any Tradeline is closed by the issuing bank or by the Cardholder during your authorized-user period for that Tradeline, we will assign you to a comparable replacement tradeline (as defined in Section 6(b)) at no additional cost. Closure of one card affects only that Tradeline.

(b) End of the authorized-user period. Each Tradeline is sold for one billing cycle. Your authorized-user status on a Cardholder’s account ends in the normal course at the conclusion of that billing cycle. A refund under Section 6 does not extend or shorten that period, and payment history that has already reported to your credit file remains subject to the credit bureaus’ own reporting and retention practices, which are outside our control.

Authorized-user history adds payment data to your credit file. We make no representation, warranty, or promise that your credit score will increase by any specific amount, or at all. Your individual outcome depends on the rest of your credit profile and on the scoring model used by any particular lender or bureau. Federal law prohibits credit services organizations from guaranteeing score outcomes, and any company that does so is violating that law.

No Cardholder’s identity will be disclosed to you. Each posting on your credit file will display the relevant issuing bank’s account information (for example, the issuer’s name and a partial account reference), which is standard credit-bureau behavior for authorized-user accounts. You agree not to attempt to identify, locate, or contact any Cardholder.

You represent that: (a) you are at least 18 years of age and a legal resident of the United States; (b) you do not reside in, and are not purchasing this service from, a state in which we do not offer service (Section 15); (c) all identifying information you provide — including your legal name, date of birth, mailing address, and Social Security number — is your own, true, and accurate; and (d) you are not using this service to misrepresent your creditworthiness to any specific lender in connection with a pending application in a manner that would constitute fraud. Providing false or stolen identity information is grounds for immediate cancellation of your order with a full release or refund of your payment, and may be referred to law enforcement.

We collect only the information needed to perform this service: your full legal name, date of birth, mailing address, email address, telephone number, Social Security number, and your uploaded wire confirmation or sending-bank receipt (which may include your sending bank’s name and account information). Your name, date of birth, address, and Social Security number are shared with the issuing bank for each Tradeline in your order, solely to register you as an authorized user on that account.

Your Social Security number is not disclosed to any cardholder, and is not transmitted to any issuing bank, during your Section 5 cancellation period; that disclosure occurs only after the cancellation period has expired and your authorized-user requests are submitted under Section 4. Our collection, use, protection, retention, and sharing of your information are governed by our Privacy Policy at tradelines.ai/privacy, which is incorporated into this Agreement by reference. Your Social Security number is stored only in encrypted form, and every access to it is logged.

You consent to receive this Agreement, the Notice of Cancellation form, and all related records electronically, and to sign electronically, under the federal E-SIGN Act (15 U.S.C. § 7001) and the Texas Uniform Electronic Transactions Act (Tex. Bus. & Com. Code Ch. 322). You have the right to receive a paper copy of any of these records at no charge by writing to the address in Section 16, and the right to withdraw your consent to electronic records prospectively (withdrawal does not affect records already delivered). Your typed signature below has the same legal effect as a handwritten signature.

Please read this section carefully. It affects your legal rights. You may opt out as described in Section 13(f).

(a) Agreement to arbitrate. Except as provided in Sections 13(d) and 13(e), any dispute, claim, or controversy arising out of or relating to this Agreement or the services shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules.

(b) Fees. We will pay all AAA filing, administration, and arbitrator fees for any individual claim you bring in good faith. You remain responsible for your own attorneys’ fees unless a statute provides otherwise.

(c) Class action waiver. All claims must be brought in the parties’ individual capacities, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

(d) Small-claims carve-out. Either party may bring an individual claim in small-claims court in El Paso County, Texas, or in the county of your residence, instead of arbitration, so long as the claim remains in small-claims court.

(e) Coordinated filings. If twenty-five (25) or more similar arbitration demands are filed against us by the same or coordinated counsel, the demands shall be resolved in staged batches of up to fifty (50), with a single arbitrator per batch, and AAA fees assessed per batch; demands not yet in an active batch are tolled, and neither party is required to pay filing fees for demands not yet batched.

(f) Your right to opt out. You may opt out of this Section 13 entirely by sending written notice — including your name, order reference, and a statement that you opt out of arbitration — to legal@tradelines.ai or to Learning Machines LLC d/b/a Tradelines.AI, Attn: Arbitration Opt-Out, 2267 Trawood Dr, Suite A-2, El Paso, TX 79935, within thirty (30) days of the date you sign this Agreement. Opting out does not affect any other provision of this Agreement.

(g) Statutory rights preserved. Nothing in this Section waives any right or protection you hold under the Texas Credit Services Organization Act that cannot lawfully be waived, including your right to assert those statutory claims and recover the remedies that statute provides in the arbitral forum.

This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-laws principles, and by applicable federal law. Any claim not subject to arbitration under Section 13 shall be brought exclusively in the state or federal courts located in El Paso County, Texas, except that claims within Section 13(d) may proceed in the small-claims court there described.

We do not offer or provide services to residents of Georgia, Colorado, California, or New York. If you reside in one of these states, you are not eligible to enter this Agreement, and any order placed contrary to this Section will be cancelled with a full release or refund of your payment. The current availability list is published at tradelines.ai/availability.

(a) No waiver of statutory rights. No provision of this Agreement waives any right you have under the Texas Credit Services Organization Act. Any provision that would operate as such a waiver is void to that extent, and the remainder of this Agreement continues in effect.

(b) Severability. If any provision is held unenforceable, it is severed and the remainder continues in effect; provided that if Section 13(c) is held unenforceable as to a claim, that claim shall proceed in court under Section 14 rather than in arbitration.

(c) Entire agreement. This Agreement, together with the Notice of Cancellation form and the Privacy Policy, is the entire agreement between you and us for this purchase.

(d) Assignment. You may not assign this Agreement. We may assign it only in connection with a sale, merger, or change of control, and only to a successor that assumes all obligations to you under it.

(e) Notices. Notices to us: legal@tradelines.ai, or by mail to the principal office address above. Notices to you: the email address you provided at checkout.

(f) Records. We retain your signed Agreement, your uploaded wire receipt, and our internal verification record for no fewer than five (5) years, and you may request a copy at any time at no charge.

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached Notice of Cancellation form for an explanation of this right.

By signing below, you confirm that: you have read this entire Agreement; you understand that authorized-user history is added to your existing credit file; and you enter this Agreement freely.

These Terms of Service (the “Terms”) are a binding agreement between you and Learning Machines LLC d/b/a “Tradelines.AI” (“we,” “us,” “our”). They govern your use of the tradelines.ai website (the “Site”) and the services offered through it.

You accept these Terms by checking the acceptance box presented at account creation or checkout. We record your acceptance, including the date, time, and Terms version. If you do not accept, do not use the Site.

Your purchase of an authorized-user tradeline is separately governed by a Consumer Agreement that you sign before any payment authorization. If these Terms conflict with the Consumer Agreement, the Consumer Agreement controls for the purchase it covers.

To use the Site and purchase services you must: (a) be at least 18 years of age; (b) be a legal resident of the United States residing outside the states where we do not offer service — currently Georgia, Colorado, California, and New York; the current list is published at tradelines.ai/availability; (c) have legal capacity to contract; and (d) provide only your own true, current, and accurate information. We may refuse service to any person where permitted by law.

We provide a service that adds you as an authorized user on a seasoned credit card held by a third-party cardholder, so that the account’s payment history may report to your credit file.

We do not: promise or guarantee any change in any credit score; extend credit, issue cards, or lend money; sell credit identities or assist in creating new credit profiles (no “CPNs,” no file segregation, no substitute Social Security numbers); dispute or remove information on your credit report; or provide legal, financial, or credit-counseling advice. Site content is general information only.

You agree not to: use the Site unlawfully; provide false or stolen identity information; submit identification documents that are not yours or are altered; interfere with the Site’s operation, attempt unauthorized access, or probe for vulnerabilities; scrape the Site or use its content to train any third-party AI system; use the Site to facilitate fraud, including synthetic-identity creation; or resell our services.

If you violate this Section, we may suspend your access and cancel pending orders. On any such cancellation, your payment authorization is released or your payment refunded, less only amounts attributable to services already fully performed under your Consumer Agreement. Suspected identity fraud may be referred to law enforcement.

You are responsible for the confidentiality of your account credentials and for activity under your account. Notify us immediately at security@tradelines.ai of suspected unauthorized access.

Payment, cancellation, and refund terms for each purchase are stated in your Consumer Agreement, including: wire transfer of the full Total Cost required within two (2) business days of signing; the 45-day posting guarantee with replacement-first remedies; and refund initiation by wire transfer or company check within 10 business days of a valid refund election. Prices are in U.S. dollars.

The Site, its content, and its software are owned by Learning Machines LLC or its licensors. You may use the Site for personal, non-commercial purposes only. “Tradelines.AI” and “Learning Machines” are our marks; other marks belong to their owners.

Our Privacy Policy describes what we collect, how we protect it, with whom we share it, and your rights. It is incorporated into these Terms by reference.

We may modify, suspend, or discontinue parts of the Site at any time. We will provide reasonable notice of material changes affecting your active orders, and active orders remain governed by the Consumer Agreement in effect when signed.

The Site integrates third-party services (electronic signature, credit bureaus, issuing banks, and banking institutions). We are not responsible for third parties’ content, policies, or practices; your use of them is governed by their terms.

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that your credit score will change by any amount or at all, that a tradeline will post outside the windows stated in your Consumer Agreement, or that the Site will be uninterrupted or error-free.

Nothing in these Terms disclaims or waives any warranty, right, or protection that cannot be disclaimed or waived under applicable law, including your rights under the Texas Credit Services Organization Act, Tex. Fin. Code Ch. 393.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES IS LIMITED TO THE TOTAL AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND YOUR PRIMARY REMEDY IS A REFUND OF AMOUNTS PAID. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

This Section does not limit: (a) statutory damages, penalties, or attorney’s-fee awards available under the Texas Credit Services Organization Act or any other non-waivable statute; (b) liability for fraud or willful misconduct; or (c) any liability that cannot be limited under applicable law.

You agree to indemnify Learning Machines LLC and its officers, employees, and agents against third-party claims, losses, and reasonable attorney’s fees arising out of your fraud or intentional misrepresentation, including providing false or stolen identity information or submitting altered identification documents. This Section does not apply to claims arising from our own acts or omissions.

We may suspend or terminate Site access for violation of these Terms. Sections 6, 7, and 10–15, and any accrued payment or refund rights, survive termination. Termination of Site access does not terminate an active Consumer Agreement except as that agreement provides.

This Section affects your legal rights. You may opt out as described below.

Except as stated here, any dispute arising out of or relating to these Terms or the services shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. We pay all AAA filing, administration, and arbitrator fees for any individual claim you bring in good faith. All claims must be brought individually; the arbitrator may not preside over any class, collective, or representative proceeding. Either party may instead bring an individual claim in small-claims court in El Paso County, Texas, or the county of your residence. If twenty-five or more similar demands are filed by the same or coordinated counsel, demands will be resolved in staged batches of up to fifty, with fees assessed per batch and unbatched demands tolled.

Opt-out: you may opt out of this Section entirely by written notice to legal@tradelines.ai or to our mailing address (Attn: Arbitration Opt-Out) within 30 days of first accepting these Terms. Opting out does not affect any other provision.

Nothing in this Section waives any non-waivable right under the Texas Credit Services Organization Act; those statutory claims and remedies may be pursued in the arbitral forum (or in court, if you opt out). If the class waiver is held unenforceable as to a claim, that claim shall proceed in court under Section 15.

These Terms are governed by Texas law and applicable federal law, without regard to conflict-of-laws rules. Claims not subject to arbitration shall be brought exclusively in the state or federal courts located in El Paso County, Texas. Statutory limitations periods apply to all claims; these Terms do not shorten any limitations period.

We may update these Terms. Material changes will be communicated by email at least 30 days before taking effect, or by prominent Site posting if you have not provided an email address. Continued use after the effective date constitutes acceptance of the updated Terms; active orders remain governed by the Consumer Agreement signed for them.

Entire agreement: these Terms, the Privacy Policy, and (for purchases) your Consumer Agreement are the entire agreement regarding the Site and services. Severability: unenforceable provisions are severed; the remainder continues, subject to Section 14’s class-waiver rule. No waiver: non-enforcement is not waiver. Assignment: you may not assign these Terms; we may assign only in a sale, merger, or change of control, to a successor assuming all obligations. Force majeure: we are not liable for failures caused by events beyond our reasonable control.

Support: support@tradelines.ai · Legal notices: legal@tradelines.ai · Security: security@tradelines.ai
Mail: Learning Machines LLC, 2267 Trawood Dr, Suite A-2, El Paso, TX 79935

Learning Machines LLC d/b/a Tradelines.AI (“we,” “us,” “our”) provides credit services that require us to handle some of the most sensitive information a person has. This policy describes what we collect, why, how we protect it, with whom we share it, and your rights. It applies to the tradelines.ai website and all interactions with our team.

You provide directly: your name, mailing address, email address, and telephone number; identity-verification information including date of birth, Social Security number, and government-issued identification; your tradeline selection and order details; your uploaded wire confirmation or sending-bank receipt (which may include your sending bank’s name and account information); and the content of your communications with us, including with our site assistant.

Collected automatically: IP address, browser and device information, pages viewed, and referring URLs; session cookies required for the Site to function, and limited preference and analytics cookies you can control through your browser.

From third parties: confirmation from the issuing bank that your authorized-user enrollment posted; confirmation from our business banking institution that your wire transfer has been received; and your signed agreement and signature audit certificate from our electronic-signature provider.

We collect and use this information only to: perform the service you purchased (registering you as an authorized user); verify your identity and prevent fraud; process wire payments and any refunds as described in your Consumer Agreement; communicate with you about your order; send you tips and offers by email, and by text if you asked for them; meet our legal obligations, including contract, disclosure, and recordkeeping requirements under the Texas Credit Services Organization Act, and tax law; and improve our services using only aggregated, de-identified data. We will not use your information for a materially different purpose without first giving you notice and any opt-out the law requires.

We share your information only as needed to perform the service or as the law requires:

• The issuing bank for the card on which you are enrolled: your name, date of birth, address, and Social Security number, solely to register you as an authorized user. The bank’s own privacy policy governs its use.
• The cardholder whose account you are added to: your name, address, date of birth, and Social Security number, because that person is the one who submits the authorized-user request to the bank. Your Social Security number is disclosed to that cardholder when it is needed to complete the request with the bank; that access requires multi-factor authentication and every access is logged. No part of your Social Security number — not even the last four digits — and no date of birth is shown to any cardholder before your three-business-day cancellation period has expired, and no authorized-user request is submitted to any issuing bank before then.
• Our business banking institution: information needed to identify your incoming wire transfer and to issue refunds, including the originating account information shown on your uploaded receipt and your mailing address on file.
• Our electronic-signature provider: your agreement and acknowledgment records.
• Our infrastructure providers (database and hosting): encrypted operational data, under contractual data-protection obligations.
• Government authorities when required by law, regulation, or valid legal process, or to protect our legal rights.
• A successor entity in a sale, merger, or change of control, subject to this policy’s protections continuing.

We do not sell your personal information, and we do not share it with anyone for third-party marketing. We do not share mobile phone numbers or text-message consent with any third party for marketing. We may use or share aggregated, de-identified information that cannot identify you.

We maintain an information security program designed to meet the Gramm-Leach-Bliley Act Safeguards Rule (16 C.F.R. Part 314). Current measures include:

• Field-level encryption of your Social Security number and date of birth, in addition to full-database encryption at rest; encryption keys are stored separately from the database.
• Secure file storage for uploaded receipts: wire confirmations and other documents you upload are stored in encrypted object storage, accessed only through short-lived signed links, and never embedded directly in our application logs. Any bank account or routing information present on an uploaded receipt is protected at the file level by this storage layer; we do not extract or separately store those numbers.
• Encryption in transit over TLS for all communication between your device and our servers and between our servers and our service providers.
• Least-privilege access controls: your sensitive information is accessible only to personnel whose role requires it, and our operations role cannot access Social Security numbers at all.
• Multi-factor authentication required for every administrative account with access to customer information.
• Access auditing: every read and write of sensitive fields — including each time a Social Security number is accessed or an uploaded wire receipt is opened — is recorded in an append-only audit log.

No security program eliminates all risk. Section 7 describes what we will do if a breach occurs.

We retain: signed agreements and cancellation records for at least 5 years after the customer relationship closes; transaction records as tax law requires, typically 7 years; and communications consent records for the duration of consent plus 5 years. When information is no longer required, we delete or irreversibly anonymize it using secure disposal procedures.

Access and correction: request a copy of your information, or correction of inaccurate information, at privacy@tradelines.ai. We verify identity before honoring any request.

Deletion: request deletion at the same address. Deletion is subject to the retention obligations in Section 5; we will tell you what must be retained and why, and delete the rest.

GLBA sharing opt-out: federal law gives you the right to opt out of certain sharing with non-affiliated third parties for marketing. We do not engage in that sharing, so there is nothing to opt out of; if that ever changes, we will provide the required notice and opt-out first.

Texas residents: you have the breach-notification rights described in Section 7, under Tex. Bus. & Com. Code § 521.053.

If a security incident affects your sensitive personal information (your name combined with your Social Security number, government-ID number, or financial account identifier), we will: notify you without unreasonable delay and no later than 60 days after determining a breach occurred; notify the Texas Attorney General within 30 days if 250 or more Texas residents are affected; notify the nationwide consumer reporting agencies if 10,000 or more individuals are affected at one time; and give you the information you need to protect yourself, including what data was involved and the protective steps available to you. Our internal incident-response procedures are maintained as part of our information security program.

Our services are for adults. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact privacy@tradelines.ai and we will delete it.

Our services are intended for U.S. residents in the states where we operate (see tradelines.ai/availability). Information is processed in the United States under U.S. law.

Material changes will be communicated to you by email at least 30 days before they take effect. The current version, with its effective date, is always available on the Site.

Email: privacy@tradelines.ai
Mail: Learning Machines LLC, Attn: Privacy, 2267 Trawood Dr, Suite A-2, El Paso, TX 79935

Learning Machines LLC d/b/a Tradelines.AI (“we,” “us,” “our”) provides credit services that require us to handle some of the most sensitive information a person has. This policy describes what we collect, why, how we protect it, with whom we share it, and your rights. It applies to the tradelines.ai website and all interactions with our team.

You provide directly: your name, mailing address, email address, and telephone number; identity-verification information including date of birth, Social Security number, and government-issued identification; your tradeline selection and order details; your uploaded wire confirmation or sending-bank receipt (which may include your sending bank’s name and account information); and the content of your communications with us, including with our site assistant.

Collected automatically: IP address, browser and device information, pages viewed, and referring URLs; session cookies required for the Site to function, and limited preference and analytics cookies you can control through your browser.

From third parties: confirmation from the issuing bank that your authorized-user enrollment posted; confirmation from our business banking institution that your wire transfer has been received; and your signed agreement and signature audit certificate from our electronic-signature provider.

We collect and use this information only to: perform the service you purchased (registering you as an authorized user); verify your identity and prevent fraud; process wire payments and any refunds as described in your Consumer Agreement; communicate with you about your order; meet our legal obligations, including contract, disclosure, and recordkeeping requirements under the Texas Credit Services Organization Act, and tax law; and improve our services using only aggregated, de-identified data. We will not use your information for a materially different purpose without first giving you notice and any opt-out the law requires.

We share your information only as needed to perform the service or as the law requires:

• The issuing bank for the card on which you are enrolled: your name, date of birth, address, and Social Security number, solely to register you as an authorized user. The bank’s own privacy policy governs its use.
• The cardholder whose account you are added to: your name, address, date of birth, and Social Security number, because that person is the one who submits the authorized-user request to the bank. Your Social Security number is disclosed to that cardholder when it is needed to complete the request with the bank; that access requires multi-factor authentication and every access is logged. No part of your Social Security number — not even the last four digits — and no date of birth is shown to any cardholder before your three-business-day cancellation period has expired, and no authorized-user request is submitted to any issuing bank before then.
• Our business banking institution: information needed to identify your incoming wire transfer and to issue refunds, including the originating account information shown on your uploaded receipt and your mailing address on file.
• Our electronic-signature provider: your agreement and acknowledgment records.
• Our infrastructure providers (database and hosting): encrypted operational data, under contractual data-protection obligations.
• Government authorities when required by law, regulation, or valid legal process, or to protect our legal rights.
• A successor entity in a sale, merger, or change of control, subject to this policy’s protections continuing.

We do not sell your personal information, and we do not share it with anyone for third-party marketing. We may use or share aggregated, de-identified information that cannot identify you.

We maintain an information security program designed to meet the Gramm-Leach-Bliley Act Safeguards Rule (16 C.F.R. Part 314). Current measures include:

• Field-level encryption of your Social Security number and date of birth, in addition to full-database encryption at rest; encryption keys are stored separately from the database.
• Secure file storage for uploaded receipts: wire confirmations and other documents you upload are stored in encrypted object storage, accessed only through short-lived signed links, and never embedded directly in our application logs. Any bank account or routing information present on an uploaded receipt is protected at the file level by this storage layer; we do not extract or separately store those numbers.
• Encryption in transit over TLS for all communication between your device and our servers and between our servers and our service providers.
• Least-privilege access controls: your sensitive information is accessible only to personnel whose role requires it, and our operations role cannot access Social Security numbers at all.
• Multi-factor authentication required for every administrative account with access to customer information.
• Access auditing: every read and write of sensitive fields — including each time a Social Security number is accessed or an uploaded wire receipt is opened — is recorded in an append-only audit log.

No security program eliminates all risk. Section 7 describes what we will do if a breach occurs.

We retain: signed agreements and cancellation records for at least 5 years after the customer relationship closes; transaction records as tax law requires, typically 7 years; and communications consent records for the duration of consent plus 3 years. When information is no longer required, we delete or irreversibly anonymize it using secure disposal procedures.

Access and correction: request a copy of your information, or correction of inaccurate information, at privacy@tradelines.ai. We verify identity before honoring any request.

Deletion: request deletion at the same address. Deletion is subject to the retention obligations in Section 5; we will tell you what must be retained and why, and delete the rest.

GLBA sharing opt-out: federal law gives you the right to opt out of certain sharing with non-affiliated third parties for marketing. We do not engage in that sharing, so there is nothing to opt out of; if that ever changes, we will provide the required notice and opt-out first.

Texas residents: you have the breach-notification rights described in Section 7, under Tex. Bus. & Com. Code § 521.053.

If a security incident affects your sensitive personal information (your name combined with your Social Security number, government-ID number, or financial account identifier), we will: notify you without unreasonable delay and no later than 60 days after determining a breach occurred; notify the Texas Attorney General within 30 days if 250 or more Texas residents are affected; notify the nationwide consumer reporting agencies if 10,000 or more individuals are affected at one time; and give you the information you need to protect yourself, including what data was involved and the protective steps available to you. Our internal incident-response procedures are maintained as part of our information security program.

Our services are for adults. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact privacy@tradelines.ai and we will delete it.

Our services are intended for U.S. residents in the states where we operate (see tradelines.ai/availability). Information is processed in the United States under U.S. law.

Material changes will be communicated to you by email at least 30 days before they take effect. The current version, with its effective date, is always available on the Site.

Email: privacy@tradelines.ai
Mail: Learning Machines LLC, Attn: Privacy, 2267 Trawood Dr, Suite A-2, El Paso, TX 79935