Privacy Policy for FLC Financial LLC
Last Updated: July 31, 2026
This Privacy Policy describes how FLC Financial LLC ("we," "us," or "our") collects, uses, and shares your personal information when you use our credit repair services, including our SMS messaging program and website. We are committed to protecting your privacy and ensuring the security of your personal data.
1. Information We Collect
We collect various types of information to provide and improve our services to you, including:
Personal Identifiable Information (PII): Name, address, email address, phone number, date of birth, Social Security Number, and financial information necessary for credit repair services.
Credit Information: Details from your credit reports, including accounts, balances, payment history, and inquiries.
Contact Information: Information you provide when you communicate with us through website forms, email, or phone.
SMS Messaging Data: When you opt-in to our SMS program, we collect your mobile phone number and messaging preferences.
Automated Technical Data: Data collected automatically when you visit our website, such as IP addresses, browser types, operating systems, referring URLs, and device identifiers.
2. Cookies, Tracking Technologies, and Analytics
When you visit or interact with our website, we and our authorized service providers use cookies, web beacons, pixels, and similar tracking technologies to improve site functionality, enhance user experience, and analyze website traffic.
A. What Are Cookies?
Cookies are small text files placed on your device by your browser when you visit a website. They allow the site to remember your actions and preferences over time.
B. How We Use Cookies & Tracking Technologies
Essential Cookies: Necessary for the technical operation of our website, security, and basic navigation.
Performance & Functionality Cookies: Used to remember your preferences and settings, providing a personalized browsing experience.
Analytics Cookies: Used to understand how visitors interact with our website. These tools collect aggregated and anonymized data regarding page views, duration on site, click-through rates, and traffic sources.
C. Analytics Services
We may use third-party web analytics tools (such as Google Analytics or platform analytics) to monitor and analyze website traffic and user patterns. These analytics service providers process non-personally identifiable information on our behalf to help us evaluate traffic patterns and refine our website content and credit repair offerings.
D. Managing Your Cookie Preferences
You can control or disable cookies through your web browser settings. Most browsers allow you to block cookies, delete existing cookies, or alert you when cookies are being sent. Please note that disabling certain cookies may affect the performance or functionality of our website.
3. How We Use Your Information
We use the information we collect for the following purposes:
To provide and manage your credit repair services.
To communicate with you regarding your account, service updates, and important information.
To send you marketing and promotional messages via SMS, if you have explicitly opted in.
To evaluate and analyze website traffic, user interactions, and service usage to improve our platform and develop new offerings.
To comply with legal and regulatory requirements.
4. How We Share Your Information
We understand the sensitivity of your personal and financial information. We will not sell or rent your personal information to third parties. We may share your information with:
Service Providers: Third-party vendors who perform services on our behalf, such as credit bureaus, payment processors, customer support platforms, and website analytics providers. These providers are obligated to protect your information and use it only for the purposes for which it was disclosed.
Legal and Regulatory Authorities: When required by law, such as in response to a subpoena, court order, or other legal process.
Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.
SMS Messaging Data Sharing Clause:
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Your Choices and Rights
Opt-Out of SMS: You can opt-out of receiving SMS messages at any time by replying STOP to any message you receive from us. You can also reply HELP for assistance.
Managing Tracking & Cookies: You can adjust your browser settings to reject cookies or remove tracking data at any time.
Access and Correction: You have the right to access and correct inaccuracies in your personal information. Please contact us to update your details.
Data Retention: We retain your personal information for as long as necessary to provide our services and comply with legal obligations.
6. Security Measures
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date. Your continued use of our services after such modifications will constitute your acknowledgment of the modified Privacy Policy.
7. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at:
FLC Financial LLC
925 E Jersey St, East Jersey Street, Elizabeth NJ 07201
[email protected]
(732) 425-8307
https://flcfinancialgroup.com