Effective Date: January 9th 2024Welcome to Sierra Solutions LLC, a premier provider of business loans, credit repair, and digital marketing services. This Privacy Policy delineates our practices and obligations in the collection, use, protection, and disclosure of personal information. This document is crafted to ensure adherence to the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), California Online Privacy Protection Act (CalOPPA), and Telephone Consumer Protection Act (TCPA).

1. Information Collection, Processing, and Use

In the course of providing financial services, credit repair, and marketing services, Sierra Solutions LLC ("the Company") collects various categories of personal data. This includes, but is not limited to, identifiable personal and business information such as names, postal addresses, electronic mail addresses, and telephonic data. These data elements are procured through multiple channels: digital forms, telephonic communications, physical applications, and direct interactions. The purpose of such data collection is to facilitate the provision of our services, including but not limited to, electronic direct marketing, application processing for financial products, and client communication.

2. Data Disclosure and Third-Party Sharing

In alignment with the operational requisites of loan brokerage and related services, the Company may disclose pertinent personal data to third-party financial institutions, regulatory bodies, or service providers as necessitated. This disclosure is strictly governed under the auspices of contractual and legal compliance, ensuring the safeguarding of client information. The Company unequivocally asserts that it does not engage in the sale of personal data for marketing or other purposes unrelated to its services.The Company adheres to stringent legal standards in the processing and transferring of personal data, as mandated under applicable data protection laws, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and the Telephone Consumer Protection Act (TCPA). In conducting business with third-party entities, the Company enforces data processing agreements that comply with the aforementioned legislation, ensuring that all parties maintain the highest level of data privacy and security. These agreements explicitly outline the responsibilities and obligations of all involved parties in safeguarding personal data against unauthorized access, disclosure, alteration, and destruction. Furthermore, the Company conducts periodic reviews and audits of its third-party service providers to verify their compliance with our high standards of data protection and privacy.In cases where personal data is transferred across international borders, the Company abides by the legal frameworks that govern international data transfers, such as the Standard Contractual Clauses approved by the European Commission, or by relying on the adequacy decisions. The Company commits to undertaking all necessary steps to ensure that any personal data leaving the country of origin is accorded an equivalent level of protection as provided in its country of origin.

3. Compliance with GDPR, CCPA, CalOPPA, and TCPA

TCPA (Telephone Consumer Protection Act)

TCPA governs unsolicited marketing communications. The Company obtains express written consent from consumers before sending any auto-dialed calls, prerecorded messages, or SMS. The Company maintains a 'Do Not Call' list and ensures immediate compliance with any request to cease further communications.

CalOPPA (California Online Privacy Protection Act)

CalOPPA mandates the online disclosure of specific information regarding a website's privacy practices. Sierra Solutions LLC's compliance includes a conspicuous privacy policy on its website, detailing the types of information collected, the purposes for which it is used, and how users can review and change their information.

CCPA (California Consumer Privacy Act)

Under CCPA, California residents have the right to know what personal data is being collected about them, whether their personal data is being sold or disclosed and to whom, and the right to say no to the sale of personal data. Sierra Solutions LLC ensures that all these rights are upheld, including providing a method for consumers to submit data access requests.

GDPR (General Data Protection Regulation)

GDPR provides a framework for data protection and privacy in the European Union. It includes rights such as data portability, the right to be forgotten, and the need for explicit consent for data processing. Sierra Solutions LLC ensures GDPR compliance by adopting stringent data protection measures, maintaining clear consent mechanisms, and providing easy access for users to manage their data.

4. Data Protection and Security

The Company implements advanced security measures and protocols to protect personal data against unauthorized access, alteration, disclosure, or destruction. These measures are reviewed and updated regularly to maintain robust data security.

5. Rights of Data Subjects

Under GDPR, CCPA, and CalOPPA, individuals possess rights over their personal data, including the right to access, rectification, erasure, restriction on processing, objection to processing, and data portability. The Company provides mechanisms to exercise these rights.

6. Modification, Verification, and Deletion of Personal Information

Under GDPR, CCPA, TCPA and CalOPPA, Sierra Solutions LLC acknowledges and upholds the rights of data subjects to not only access and review but also modify, verify, and erase their personal data. The Company commits to providing a streamlined process for these requests, ensuring compliance with applicable data protection laws. Data subjects may submit a request via telephone at 559-286-0604 or through electronic mail at info@sierrafcm.com. Upon receipt of such requests, the Company will:

Verify the identity of the requesting party to prevent unauthorized access to or modification of data.Respond to the request within a legally stipulated timeframe, providing a complete overview of the data held, if requested.Execute any modifications or corrections to the data as directed by the data subject.Facilitate the deletion of data, where applicable, ensuring the removal from all Company records and systems, barring any data retained for legal or regulatory compliance.

In cases where data subjects exercise their right to data portability under GDPR, the Company will provide the data in a structured, commonly used, and machine-readable format.

7. Policy Amendments and Notification

This Privacy Policy is a living document and may be amended to reflect changes in legal requirements, industry standards, business practices, or technological advancements. The Company is committed to maintaining transparency in its data practices and will provide notice of significant changes to this policy. Notifications of amendments will be conspicuously posted on the Company's website and, where appropriate, communicated directly to clients through email or other direct communication methods. Clients and website users are encouraged to periodically review this policy to stay informed about how the Company is protecting their personal information.

8. Contact Information

For inquiries or concerns regarding this Privacy Policy or the Company's data practices, please contact:

Sierra Solutions LLC

2936 N Fresno St

Fresno CA 93703

Phone: 559-286-0604

Email: info@sierrafcm.com