Privacy Policy

Overview
PlusMoreUsa Financial & Marketing Services LLC (dba PlusMoreUsa) (collectively “PlusMoreUsa”) is committed to protecting the privacy of our members’ information. This document outlines PlusMoreUsa’s policy regarding the collection, use, and disclosure of personal information, as well as our members’ right to limit such collection, use, or disclosure. All personal information related to our members is maintained in strict confidence and is not sold to third parties. To safeguard your information, we use Secure Socket Layer (SSL) encryption on all pages requiring the submission of personal data.

Please note that our privacy policies and procedures are subject to change.

Identifying Purposes
PlusMoreUsa collects personal information for various purposes related to your service requests. This information is used to verify, process, and administer your requests, assess creditworthiness, maintain our commercial relationship with you, and address your service needs. We also analyze personal information to enhance the services we offer and to identify products or services provided by us or our affiliates, or by third parties that we believe may be of interest to you.

Personal information is also used to communicate with you for billing and provisioning purposes. PlusMoreUsa does not sell, rent, or lease personal information to third parties.

In certain instances, PlusMoreUsa may outsource account processing or other member service functions to third parties. In such cases, personal information will be shared only with parties that maintain confidentiality standards.

Additionally, PlusMoreUsa may be required to report to regulatory bodies or present a summary of member information, including personal information, in statistical or analytical formats. When provided in such formats, identifiable personal information will not be disclosed.

Cardholder Data
To process payments for services, PlusMoreUsa may require members to provide credit or debit card information. For future or recurring transactions, PlusMoreUsa may store this information, which may include a primary account number (PAN), cardholder name, expiration date, and/or service code (collectively, “Cardholder Data”). We utilize WaveApps, a Payment Card processor that complies with the Payment Card Industry Data Security Standard (PCI DSS).

While PlusMoreUsa applies current industry standards, including PCI DSS, to protect Cardholder Data, no method of processing, transmission, or storage is 100% secure. As such, we cannot guarantee that our safeguards will prevent every unauthorized access or disclosure. If a security issue is suspected, members should contact PlusMoreUsa’s Privacy Officer immediately.

Collection and Use
PlusMoreUsa collects and uses member-identifiable information for billing, service provision, issue resolution, and to inform you of new products and services. We may also use this information, in conjunction with external data, to offer services that we believe will be of interest to you. However, your information will not be shared with third parties for marketing purposes without your consent.

Security
PlusMoreUsa has implemented and will continue to update technological and security measures to safeguard your member-identifiable information from unauthorized access or misuse.

E-mail Communications
PlusMoreUsa will not read or disclose private email communications transmitted via our services to third parties, except as required to operate the service or as authorized by law. We will never request sensitive information such as credit card numbers or passwords through email. If you receive such a request, please contact us directly to verify its legitimacy.

WhatsApp / Chat / Chatbot
PlusMoreUsa may use platforms such as WhatsApp, Chat, or Chatbot to communicate with members and conduct business. These platforms are used in compliance with our privacy standards.

Disclosure
PlusMoreUsa may disclose member-identifiable information to investigate or prevent potentially unlawful activity or if required by subpoena, search warrant, or other legal processes.

Account Information
PlusMoreUsa honors member requests to review personal information held in reasonably retrievable form and will correct any inaccuracies upon request.

Children
PlusMoreUsa complies with all applicable federal laws and regulations, including the Children’s Online Privacy Protection Act, which requires parental consent for the collection of personal information from children under 13.

Mortgage Affiliation Disclosure
PlusMoreUsa is not a loan originator nor a lender.  Our mortgage coaching sections are based on our 24 years of experience dealing with bank’s underwriters and helping clients clear their conditions to close.

Enforcement
PlusMoreUsa maintains compliance with its Privacy Policy through self-assessment. We encourage individuals to raise concerns regarding our processing of their personal information by contacting our Privacy Officer or Legal Department. If a dispute arises, it may be resolved through arbitration with the American Arbitration Association. Any claims must be brought within two years of the event giving rise to the claim. Florida law will govern any dispute resolution unless otherwise agreed in writing.

Limitations
Adherence to this Privacy Policy may be limited to meet legal, governmental, national security, or public interest obligations.

Should you have any questions regarding the PlusMoreUsa Privacy Policy, or if you wish to limit how your information is collected, used, or disclosed, please contact us in writing at: PlusMoreUsa, 13538 Village Park Dr #265 , Orlando, FL 32837.