Privacy Policy

Last updated 18 August 2026

Infinite Returns is operated by IRE LLC, a Wyoming limited liability company.

What we collect

A credit report you upload

You pull your own report from a source you choose and upload a copy. The software reads it as it arrives and nothing is written to disk — we do not keep the file, and there is no copy of it anywhere afterward, including for us.

Documents you upload to your checklist

These are different, and the difference matters. A checklist document — a photo ID, a tax return, a bank statement, a credit report you upload there rather than for analysis — is stored under your account and kept until you ask us to remove them. Nothing removes them automatically and nothing expires on its own.

Your name, email address, and phone number

Collected when you create an account so we can reach you and so the letters carry your name.

Basic usage information

Which screens you opened and when — the ordinary record any web application keeps in order to work.

What we do not collect

We do not ask you to type your Social Security number and we never store it as a number. The document checklist for entity and business-credit work includes an SSN card or ITIN letter. If you upload one, it is stored with your other documents and read only by the people working your file. You can skip it — email us and we’ll tell you what else works.

We do not ask for bank account numbers, card numbers, or government identification. Payment is handled by our payment processor; card details go to them and never to us.

What we do with it

We read the credit report you upload and name the federal statute governing each item on it. We draft dispute letters. That is the whole purpose and it is the only thing your report is used for.

We never contact a credit bureau, a creditor, or a collection agency on your behalf. Not by mail, not by phone, not by any electronic means. You review every letter, you sign it, and you mail it. We are never a party to that correspondence.

We do not sell your information. We do not rent it, trade it, or share it with advertisers. There is no advertising on this platform and no arrangement under which anyone pays us for access to you.

Who can see it

The people who operate Infinite Returns, and — where a mentor is attributed to your account — that mentor.

Our infrastructure providers, because software runs on servers somebody owns. Google Cloud Platform hosts the application and stores your files. GoHighLevel handles email and text messages. Our payment processor handles payments.

Nobody else.

Those checklist documents sit under your account for as long as you leave them there, and where a mentor is attributed to you, that mentor can read them. Both of those are true at the same time, which is why they are said together.

Your credit report, specifically

It is the most sensitive thing you give us and it gets said separately.

It is used to produce your findings and your letters. It is not used to train anything.

The report you upload for analysis is not held at all, so there is nothing to remove. Checklist documents are held until you ask. Email us and we will remove them — that is a request you make, not something that happens on its own. Nothing on this platform expires or deletes itself.

Questions you ask the Vault

We do not keep the question. When you ask the Vault something — typed or spoken — we match it to one of a fixed list of topics and keep only that topic name, the date, and a counter. The words you used are not stored, on our servers or in our logs.

If your question does not match anything we cover, we record only that one did not match. That is how we learn what to add.

Where you speak instead of typing, your voice is turned into text by your own browser or phone and the audio never reaches us. What we do with the text is what is described above.

What you can ask us to do

Ask what we hold about you, and we will tell you.

Ask us to correct something.

Ask us to delete your account and what is in it.

Email infinitereturnseducation@gmail.com with the subject line PRIVACY and we will respond within five business days.

Children

This service is for adults. We do not knowingly collect information from anyone under 18, and if we learn that we have, we will delete it.

Changes

If this policy changes materially, we will say so on this page and update the date at the top. We will not quietly narrow it.

Contact

IRE LLC · Sheridan, Wyoming

infinitereturnseducation@gmail.com

Our Terms & Disclosures are a separate document.