Privacy Policy

1. Information We Collect

Flourafi Credit Solutions collects personal and financial information that you provide when you sign up for our services, including your name, contact information, credit reports, and financial documentation. We also collect usage data from your interactions with our website and client portal.

2. How We Use Your Information

We use your information to:

• Provide credit education, credit report review, administrative support, and personalized guidance
• Communicate with you about your account and services
• Process your account and deliver the services you have selected
• Monitor and improve our services
• Comply with legal obligations

3. Information Sharing

No Sale of Your Data: Flourafi does not sell, rent, or trade your personal information to third parties.

Explicit Consent Required: We only share your information with your explicit written consent and only as necessary to provide services. Specifically:

• Credit Bureaus (Equifax, Experian, TransUnion): We share dispute requests and documentation you authorize us to submit on your behalf related to credit disputes and inquiries.
• Creditors/Collection Agencies: Only when you authorize us to contact them regarding your account (e.g., payment plans, settlement negotiations, dispute letters).
• Credit Monitoring Services (if you enroll): MyScoreIQ or IdentityIQ (whichever service you select) in accordance with your enrollment consent. These services are optional third-party providers.
• Legal Compliance: When required by law, court order, government request, or to prevent fraud or illegal activity.

No Marketing Sharing: We do not share your information with lenders, loan officers, or any party for marketing purposes without your separate written authorization.

Your Consent: You will receive clear disclosure before we share your information with any third party, and you may opt out of optional sharing at any time by contacting Support@flourafi.com.

4. Data Security

We implement industry-standard security measures to protect your personal and financial information, including:

• Encryption of all data in transit and at rest
• Secure access protocols for the client portal
• Limited employee access to financial information
• Administrative, technical, and physical safeguards
• Regular security assessments

However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security. We will notify you immediately of any unauthorized disclosure of your personal information.

5. Gramm-Leach-Bliley Act (GLBA) Compliance

Flourafi collects and maintains personal financial information under the standards established by the Gramm-Leach-Bliley Act (GLBA) and similar privacy laws. We:

• Encrypt and secure all financial information
• Limit employee access to financial data on a need-to-know basis
• Do not sell your financial information to unaffiliated third parties
• Maintain administrative, technical, and physical safeguards
• Notify you of any material unauthorized disclosure within 60 days
• Comply with all applicable state and federal privacy laws

6. Your Rights

You have the right to:

• Access your personal information
• Update or correct your information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of certain communications from Flourafi

To exercise these rights, please contact us at Support@flourafi.com or (302) 303-8146.

7. Cookies and Tracking

Our website may use cookies and similar tracking technologies to:

• Enhance your browsing experience
• Analyze website traffic and user behavior
• Remember your preferences

You can control cookie settings through your browser preferences. Disabling cookies may impact your user experience.

8. Children's Privacy

Flourafi's services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us immediately at Support@flourafi.com.

9. Third-Party Links

Our website may contain links to third-party websites. Flourafi is not responsible for the privacy practices of third-party websites. We encourage you to review their privacy policies before providing any information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated revision date at least 30 days before taking effect. We will notify you via email of material changes. Your continued use of our services constitutes acceptance of the updated policy.

11. Contact

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

• Email: Support@flourafi.com
• Phone: (302) 303-8146
• Hours: Monday–Friday, 9am–7pm EST
• Address: 254 Chapman Road, Newark, Delaware 19702