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. 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): This includes your 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, including through our 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.

2. 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 improve our services and develop new offerings.

•To comply with legal and regulatory requirements.

3. 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, and customer support platforms. 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.

4. 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.

•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.

5. 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.

6. 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