Privacy Policy

Welcome to K Ventures LLC ("Hustle Ninjas"), operated by Rich Khun. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in compliance with applicable laws and regulations, including the Federal Trade Commission (FTC) guidelines, the Fair Credit Reporting Act (FCRA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA).

We collect the following types of personal information:

• Contact Information: name, email address, phone number.
• Financial Information: soft credit data and any prequalification information (collected in compliance with FCRA regulations).
• Usage Data: information about how you interact with our website, courses, and services, including preferences and engagement data.

We collect information through:

• Direct Interactions: when you fill out forms, register for a challenge, or communicate with us.
• Automated Technologies: cookies and similar tracking technologies as you use our site.
• Third Parties: partners and service providers that help us deliver our services.
• Credit Pre-Screening: where applicable, financial data through a soft credit pull authorized under the FCRA for determining financial qualifications. Soft credit checks do not affect your credit score.

• Service Delivery: to provide and manage our trainings, challenges, and tools.
• Personalization: to tailor our content to your interests.
• Communication: to send updates, newsletters, and marketing materials where permitted.
• Compliance: to meet legal obligations, including FCRA compliance for any pre-screening activity.

Note that under some legislations, we may be allowed to process information until you object to such processing (by opting out), without having to rely on consent or any other of the following legal bases below. In any case, we will be happy to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract. You further understand that this is a soft pull and will not harm your credit in any way whatsoever.

You may opt out of data processing for marketing communications, non-essential cookies, and other non-required uses at any time. To opt out, email us at info@hustle-ninjas.com or use the unsubscribe link in any marketing message. Opting out will not affect processing that is necessary to deliver services you have requested or required to comply with the law.

• Consent — when you have given explicit consent.
• Contractual Necessity — to fulfill our obligations to you.
• Legal Obligation — to comply with applicable laws including FCRA mandates.
• Legitimate Interests — to improve our services, where not overridden by your rights.

Under GDPR: access, rectification, erasure, restriction of processing, data portability, and objection to processing.

Under CCPA: the right to know what personal information is collected, the right to delete it, the right to opt out of the sale of personal information, and the right to non-discrimination for exercising these rights.

Under FCRA: access to credit data collected during any pre-screening, the right to dispute inaccuracies, and disclosure that soft credit pulls are conducted strictly for financial qualification.

To exercise any of these rights, contact us at info@hustle-ninjas.com.

• Service Providers: third parties that help us operate (hosting, email, analytics, payment processing).
• Legal Obligations: authorities when required by law or to protect our rights.
• Business Transfers: in connection with mergers, acquisitions, or asset sales.

Any soft-credit data is shared only with authorized entities in compliance with FCRA regulations. We do not sell your personal information.

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, and reporting requirements. Financial data subject to FCRA is retained securely for the duration required by law.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction, in line with FTC, GDPR, CCPA, and FCRA standards.

If we transfer personal data outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions.

Our services are not directed to individuals under 16. We do not knowingly collect personal information from children under 16.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page along with the updated effective date.

For questions, requests, or disputes regarding this Privacy Policy or your data, contact us at info@hustle-ninjas.com.