Online Privacy Policy

1. Information We Collect

We may collect personal information directly from you and automatically through your use of the Site.

A. Information You Provide Voluntarily:

• Full name
• Email address
• Phone number
• Mailing address (if submitted)
• Information submitted through contact forms or consultations
• Any documents or information you choose to provide in connection with inquiries or services

B. Service-Related Information:

If you become a client, we may collect additional information reasonably necessary to provide our services, including documentation you voluntarily submit.

C. Automatically Collected Information:

• IP address
• Browser type and device information
• Pages visited and time spent on the Site
• Referring URLs
• General website usage data

2. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Improve website functionality and performance
• Understand how users interact with the Site
• Enhance user experience

You may manage or disable cookies through your browser settings. Disabling cookies may affect certain Site functionality.

3. How We Use Your Information

We may use your information to:

• Respond to inquiries and provide customer support
• Deliver consultations and service-related communications
• Provide credit education, credit report review, and administrative support services
• Send updates, newsletters, or marketing communications (where permitted by law)
• Improve website functionality and user experience
• Maintain internal business records
• Comply with legal and regulatory requirements

4. Sharing and Disclosure of Information

We do NOT sell your personal information.

We may share your information with:

• Service providers who assist with website operations, communication systems, scheduling, or customer support
• Technology platforms (e.g., CRM, email, or messaging systems)
• Professional advisors (legal, compliance, or accounting)
• Regulatory authorities or law enforcement where required by law

All third-party providers are expected to maintain confidentiality and use information only for authorized purposes.

5. Data Security

We implement reasonable administrative, technical, and organizational safeguards designed to protect your information.

However, no system can be guaranteed to be 100% secure. By using this Site, you acknowledge that transmission of information over the internet carries inherent risks.

6. Data Retention

We retain personal information only as long as reasonably necessary to:

• Fulfill the purposes described in this Policy
• Provide services
• Comply with legal obligations
• Resolve disputes
• Enforce agreements

7. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

• Access personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications

To exercise your rights, contact us at: support@flourafi.com

8. Communication Preferences

If you provide your contact information, we may send service-related communications.

If you opt in to receive marketing communications:

• You may unsubscribe at any time using the link in the email
• You may reply STOP to text messages where applicable
• Or contact us directly to opt out

9. Children's Privacy

This Site is not intended for individuals under the age of 18.

We do not knowingly collect personal information from minors. If you believe a minor has provided information, please contact us so we can remove it.

10. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the privacy practices, security, or content of those third-party sites.

11. No Financial, Legal, or Credit Guarantees

Information collected through this Site is used to support credit education, credit report review, and administrative services.

FlouraFi does not guarantee any specific credit score increase, deletion, approval, or financial outcome. We do not provide legal advice, lending services, or debt settlement services.

12. State-Specific Privacy Rights

Residents of certain states, including California and others, may have additional rights under applicable privacy laws.

To submit a request regarding your data, contact: support@flourafi.com

We will respond in accordance with applicable law.

13. Changes to This Policy

We reserve the right to modify this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

14. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact:

FlouraFi, LLC
State of Formation: Delaware
Email: Support@flourafi.com
254 Chapman Road Suite 208, Newark DE 19702
(302) 303-8146

Consumer Credit File Rights Under State and Federal Law

You have the right to obtain a copy of your credit report, dispute inaccurate or incomplete information, and receive a reinvestigation from credit reporting agencies under applicable law.

FlouraFi provides education and administrative support only and does not alter or control credit bureau data or outcomes.