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Disclosure

At FlouraFi, we are committed to providing you with accurate and ethical financial consulting services. Below are your rights regarding your credit file, as mandated under state and federal law:

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You have the right to dispute inaccurate information on your credit report by contacting the credit bureau directly. However, neither you nor FlouraFi, or any other organization, can request the removal of accurate, current, and verifiable information from your credit report. Credit bureaus are required to remove accurate but negative information only when it has exceeded the statutory reporting period—7 years for most items and 10 years for bankruptcy-related information.

 

As part of your rights, you are entitled to obtain your credit report from a credit bureau. There may be a reasonable fee associated with this unless you meet specific criteria, such as having an adverse action (e.g., being denied credit, insurance, employment, or housing) due to information in your report within the previous 60 days. Additionally, you are entitled to a free report under certain conditions, including unemployment with an intent to seek employment within 60 days, public welfare assistance, or suspicion of fraud causing inaccuracies in your credit report.

 

You have the right to take legal action against any organization, including credit repair companies, that violates the Credit Repair Organization Act (CROA). This law strictly prohibits deceptive and unfair practices.

 

Under federal law, you have the right to cancel your contract with FlouraFi at no cost or penalty before midnight of the 3rd business day after the agreement was signed. Please refer to the accompanying notice of cancellation form for additional details on this right.

 

Credit bureaus are legally required to follow reasonable measures to ensure the accuracy of the information they report. Errors may occasionally occur, and you are encouraged to dispute these inaccuracies on your own by submitting written notification to the relevant credit bureau. Upon receiving your dispute, the credit bureau must reinvestigate and revise or remove any inaccurate or incomplete information at no charge to you. Be sure to provide appropriate documentation supporting your dispute when filing.

 

If you feel that a reinvestigation hasn't adequately resolved the issue, you may submit a written statement explaining your concerns, which will be included in your credit file and shared with any party requesting your report.​

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The Federal Trade Commission (FTC) oversees credit bureaus and credit repair organizations. For further information, you may contact:

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The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

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FlouraFi empowers you with accurate knowledge and tools, enabling you to take control of your financial future with confidence. If you have questions or concerns about your credit rights or our services, please don’t hesitate to contact us for guidance and support.

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Privacy Rights

IMPORTANT PRIVACY NOTICE FOR DELAWARE CONSUMERS

LAST REVISED: MAY 1, 2025

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This Privacy Notice for Delaware Consumers (“Notice”), provided by FlouraFi, LLC (“FlouraFi,” “Company,” “we,” or “our”), supplements, and is expressly made part of, the information contained in FlouraFi’s Online Privacy Policy and applies solely to those who are consumers (“you” or “your”) as defined in Section 1798.140(g) of the California Consumer Privacy Act of 2018 (“CCPA”). We adopt this Notice in compliance with the CCPA and any terms defined in the CCPA have the same meaning when used in this Notice.

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FlouraFi collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). As a consumer, you have certain rights regarding your personal information as defined in the CCPA. This Notice provides you with information on how FlouraFi collects, uses, and shares personal information. It also outlines the rights you have regarding personal information that we collect from you and describes how you can exercise those rights.

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Collection and Use of Personal Information

FlouraFi, as a Delaware-based financial company, complies with regulations such as the Gramm-Leach-Bliley Act (“GLBA”). In accordance with Section 1798.145(e) of the CCPA, personal information collected by financial institutions pursuant to the GLBA may be exempt from some CCPA requirements. Thus, a majority of the personal information FlouraFi collects falls outside the scope of the CCPA .

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FlouraFi recognizes the eleven (11) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. Below are the categories FlouraFi has collected within the last twelve (12) months:

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Categories of Personal Information Collected in the Last 12 Months:

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  • ​Category A - Identifiers: Includes real name, alias, postal address, IP address, email address, and Social Security number. Collected: YES

  • Category B - Personal Information (Cal. Civ. Code § 1798.80(e)): Includes name, signature, SSN, insurance policy number, and financial details. Collected: YES

  • Category C - Protected Classification Characteristics: Includes age (40+), race, marital status, disability, and sex. Collected: YES

  • Category D - Commercial Information: Includes records of products/ services purchased or considered. Collected: YES

  • Category E - Biometric Information: Includes fingerprints and voiceprints. Collected: NO

  • Category F - Internet Activity: Includes browsing history, search history, and website interactions. Collected: YES

  • Category G - Geolocation Data: Includes physical location or movements. Collected: YES

  • Category H - Sensory Data: Includes audio or visual information. Collected: NO

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Personal information does not include:

  • Publicly available information from government records.

  • De-identified or aggregated consumer information.

  • GLBA-exempt information.

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Purpose of Use

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FlouraFi uses personal information to:

  • Provide requested products or services.

  • Customize your experience and improve offerings.

  • Secure transactions and prevent fraud.

  • Comply with legal requirements.

  • Market directly to you, when you have consented (where legally required).

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We do not use your personal information for unrelated purposes unless additional notice is provided.

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Sharing Personal Information

FlouraFi may disclose personal information to:

  • Affiliates

  • Service providers

  • Ad networks and social media platforms

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All third parties receiving personal data must agree to maintain confidentiality and not use the data for purposes beyond the contract .

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Sale of Personal Information

In the past 12 months, FlouraFi has not sold personal information.

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Consumer Rights

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Access & Data Portability Rights

You can request to know what data we collect and how it is used.

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Deletion Rights

You may request your data be deleted, except where it must be retained to fulfill legal or contractual obligations.

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Opt-Out of Sale Rights

You can opt out at any time if data sharing qualifies as a "sale" under the CCPA.

To exercise these rights, reach out via:

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Website: www.FlouraFi.com

Email: support@flourafi.com

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