Privacy Policy

NYS Capital Solutions, LLC

Effective Date: December 20, 2025
Last Updated: December 20, 2025

Company Name: NYS Capital Solutions, LLC
Business Address:
8735 Dunwoody Place
Atlanta, GA 30350
United States

Website: https://nyscapitalsolutions.com
Contact Email: [email protected]

1. INTRODUCTION

NYS Capital Solutions, LLC (“NYS,” “we,” “us,” or “our”) respects your privacy and is committed to protecting it through this Privacy Policy.

This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our platforms, or engage with our services, including CredifyIQ™, consulting services, educational offerings, referral services, and facilitated access to third-party platforms (collectively, the “Services”).

By using the Services, you consent to the data practices described in this Privacy Policy.

2. INFORMATION WE COLLECT

2.1 Information You Provide Directly

We may collect personal information that you voluntarily provide, including:

  • Full name
  • Email address
  • Phone number
  • Mailing address
  • Account registration details
  • Communications sent to us (emails, support requests, chat messages)
  • Information submitted through forms, surveys, or onboarding questionnaires

If you purchase NYS-owned services, payment information is processed by third-party payment processors (such as Stripe). NYS does not store full payment card numbers.

2.2 Information Collected Automatically

When you access the Services, we may automatically collect certain information, including:

  • IP address
  • Browser type and version
  • Device identifiers
  • Operating system
  • Date and time of access
  • Pages viewed and actions taken
  • Referring URLs
  • Approximate geographic location (derived from IP address)

This data is collected using cookies, pixels, log files, and similar technologies.

2.3 Credit-Related Information

If you enroll in services involving credit monitoring or credit tools, certain credit-related information may be processed to provide those services.

Important clarifications:

  • Credit monitoring services are provided and billed by a third-party monitoring provider (SmartCredit/CreditSmart)
  • NYS does not generate credit reports or act as a credit bureau
  • Credit data may be accessed or transmitted through third-party providers at your direction

Use of third-party credit monitoring services is subject to the provider’s own privacy policy and terms.

3. HOW WE USE YOUR INFORMATION

We use personal information for the following purposes:

  • To provide, operate, and maintain the Services
  • To create and manage user accounts
  • To facilitate access to third-party services you choose to use
  • To provide CredifyIQ™ guidance, educational tools, and platform functionality
  • To respond to inquiries and provide customer support
  • To send transactional communications (billing notices, account updates, security alerts)
  • To send marketing or promotional communications where permitted by law (with opt-out options)
  • To perform analytics, attribution, and performance measurement
  • To detect fraud, abuse, or security incidents
  • To comply with legal obligations and enforce our Terms and Conditions

4. HOW WE SHARE INFORMATION

We may share your information in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers that perform services on our behalf, such as:

  • Website hosting
  • Analytics and reporting
  • Email, SMS, and customer support tools
  • Payment processors (for NYS-owned services only)

These providers are contractually obligated to protect your information and use it only for authorized purposes.

4.2 Third-Party Platforms You Choose to Use

If you choose to enroll in or access third-party services (including credit monitoring, funding marketplaces, or educational platforms), we may share information necessary to facilitate that access.

These third parties operate independently and are governed by their own privacy policies and terms.

4.3 Affiliate & Referral Partners

NYS participates in affiliate and referral programs. If you enroll in third-party services through NYS links or introductions:

  • Certain information may be shared to track referrals or enable services
  • NYS may receive compensation for successful referrals
  • Information shared is subject to the partner’s privacy practices

4.4 Legal & Compliance

We may disclose information when required to do so by law, court order, or governmental regulation, or when necessary to:

  • Protect the rights, property, or safety of NYS, users, or others
  • Investigate fraud or security incidents
  • Enforce agreements and policies

5. COOKIES & TRACKING TECHNOLOGIES

We use cookies and similar technologies to:

  • Enable core website functionality
  • Remember preferences and session information
  • Analyze traffic and usage patterns
  • Track marketing and affiliate attribution

You may control cookies through your browser settings. Disabling cookies may limit certain features of the Services.

6. MARKETING COMMUNICATIONS

You may receive marketing emails or messages from NYS where permitted by law.

  • You may opt out of marketing emails at any time by clicking the “unsubscribe” link
  • Transactional or service-related messages may still be sent even if you opt out of marketing

7. DATA SECURITY

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information.

However, no method of transmission over the Internet or electronic storage is completely secure. You acknowledge and accept this risk.

8. DATA RETENTION

We retain personal information only for as long as necessary to:

  • Provide the Services
  • Comply with legal and regulatory obligations
  • Enforce agreements
  • Resolve disputes
  • Maintain business records

9. CHILDREN’S PRIVACY

The Services are intended for users 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If we learn that such information has been collected, we will take steps to delete it.

10. YOUR PRIVACY RIGHTS

Depending on your location, you may have rights to:

  • Request access to personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of certain information (subject to legal exceptions)
  • Opt out of certain data sharing or marketing communications

Requests may be submitted by emailing:
[email protected]

11. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA NOTICE)

This section applies to California residents.

11.1 Categories of Personal Information Collected

Within the last 12 months, we may have collected:

  • Identifiers (name, email, phone, address)
  • Internet or network activity (usage data, interactions)
  • Commercial information (subscriptions, service interactions)
  • Approximate geolocation data
  • Inferences drawn from usage patterns

We do not knowingly sell personal information.

11.2 California Consumer Rights

California residents may have the right to:

  • Know what personal information we collect and how we use it
  • Request deletion of personal information (subject to exceptions)
  • Correct inaccurate personal information
  • Opt out of the sale or sharing of personal information (as defined by law)
  • Not be discriminated against for exercising privacy rights

11.3 Exercising California Rights

To exercise your rights, submit a verifiable request by emailing:

[email protected]

Please include sufficient information to verify your identity. We may request additional information to complete verification.

12. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update this Privacy Policy at any time. Updates will be posted on our website with a revised effective date. Continued use of the Services after changes constitutes acceptance.

13. CONTACT INFORMATION

If you have questions or concerns about this Privacy Policy or our data practices, contact us at:

NYS Capital Solutions, LLC
8735 Dunwoody Place
Atlanta, GA 30350
United States

Email: [email protected]