Privacy Policy

Last Updated: [04/2026]
Effective Date: [07/2026]

1. Introduction

Financial Restoration Group, Inc. The company is committed to protecting your privacy and ensuring you have a positive experience on our website www.thefrgi.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site and use our credit restoration services.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Site or services.

2. Information We Collect

A. Information You Provide Directly

Full name, date of birth, and Social Security number
Contact information (email, phone number, mailing address)
Financial information (credit scores, credit reports, debt details, income)
Employment and income verification documents
Bank account information and payment details
Government-issued identification (driver’s license, passport)
Tax returns and financial statements
Communications, inquiries, and service requests

B. Information Collected Automatically:

Internet Protocol (IP) address
Browser type, version, and operating system
Device type and unique identifiers
Pages visited, time spent, and clickstream data
Referring/exit pages
Cookies, web beacons, and tracking pixels
Geographic location (if permitted)
Device activity and crash data

C. Information from Third Parties:

Credit bureaus (Equifax, Experian, TransUnion)
Financial institutions and lenders
Public records and databases
Service providers and vendors
Authorized representatives

3. How We Use Your Information

We use collected information for the following purposes:

Service Delivery: Providing credit restoration, credit counseling, and debt management services

Account Management: Managing your account, processing requests, and providing customer support

Communication: Responding to inquiries, sending service updates, and account notifications

Payment Processing: Processing payments and billing transactions

Legal Compliance: Complying with federal and Tennessee state laws, including:

Fair Credit Reporting Act (FCRA)
Fair Debt Collection Practices Act (FDCPA)
Gramm-Leach-Bliley Act (GLBA)
Tennessee Consumer Protection Act
Tennessee data protection regulations

Fraud Prevention: Detecting, preventing, and addressing fraud, security breaches, and malicious activities

Service Improvement: Enhancing our website, services, and customer experience

Service Improvement: Sending promotional materials and service updates (with consent)

Analytics: Analyzing usage patterns and improving our services

Legal Rights: Establishing, exercising, or defending legal claims

4. Legal Basis for Processing (Tennessee Compliance)

We process your personal information based on:

Contract Performance: To fulfill our service obligations to you

Legitimate Business Interests: To operate, improve, and protect our business

Legal Obligation: To comply with applicable Tennessee and federal laws

Your Consent: When you explicitly authorize data processing

Vital Interests:To protect your health, safety, or vital interests

5. Information Sharing & Disclosure

We may share your information with:

A. Service Providers:

Payment processors and financial institutions
Credit reporting agencies (Equifax, Experian, TransUnion)
Cloud hosting and data storage providers
Website analytics providers
Customer service platforms

B. Business Partners:

Lenders and creditors (with your authorization)
Credit counseling organizations
Legal representatives and debt negotiators

C. Legal Requirements:

Law enforcement and government agencies (subpoena, court order, legal process)
As required by Tennessee state law
To comply with federal regulations (FCRA, FDCPA, GLBA)
To enforce our Terms of Service
To protect against fraud and security threats

D. Business Transactions:

In case of merger, acquisition, bankruptcy, or asset sale
You will be notified of any such transaction

IMPORTANT: We DO NOT sell, rent, or trade your personal information to third parties for their marketing purposes, in accordance with Tennessee privacy laws.

6. Data Security & Protection

We implement comprehensive security measures to protect your information:

Technical Safeguards:

SSL/TLS encryption for data in transit
AES-256 encryption for data at rest
Secure authentication protocols (passwords, multi-factor authentication)
Firewalls and intrusion detection systems
Regular security audits and penetration testing
Secure payment gateway processing
Data backup and recovery systems

Administrative Safeguards:

Limited employee access (need-to-know basis)
Employee confidentiality agreements
Regular staff training on data protection
Incident response procedures
Vendor security requirements

Physical Safeguards:

Secured facilities and access controls
Secure document storage and disposal

Limitations: While we use industry-standard security measures, no transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your information.

7. Your Rights & Choices (Tennessee Residents)

A. Access & Portability:

Right to access your personal information
Right to receive a copy of your data in portable format
Right to request details about what information we hold

B. Correction & Deletion:

Right to request correction of inaccurate or incomplete information
Right to request deletion of your personal information (subject to legal retention requirements)
Right to deletion does not apply if we must retain data for legal, regulatory, or service purposes

C. Opt-Out Rights:

Right to opt-out of marketing communications
Right to opt-out of non-essential cookies
Right to opt-out of data sharing with third parties

D. Communication Preferences:

Manage email preferences
Request telephone communication restrictions
Choose your preferred contact method

E. Data Portability:

Request a copy of your information in a structured, commonly used format

How to Exercise Your Rights: Contact us at:

Email: info@thefrgi.com

Phone: 901-345-1669 ext. 290

Mailing Address: 4250 Faronia Rd. Ste. 4, Tennessee 38116

Online Form:

Response Timeline: We will respond to requests within 30 days or as required by Tennessee law.

8. Tennessee-Specific Data Protection Laws

Tennessee Consumer Protection Act (T.C.A. § 47-18-101 et seq.):

We comply with deceptive trade practice prohibitions
We maintain transparent billing and service descriptions
We provide clear cancellation policies

Tennessee Data Breach Notification Law (T.C.A. § 47-18-2107):

We notify affected individuals of any security breaches without unreasonable delay
We notify the Tennessee Attorney General if breach affects 250+ Tennessee residents
We maintain reasonable security procedures

Tennessee Financial Records Privacy Act (T.C.A. § 47-18-2101):

We protect financial records of Tennessee residents
We limit disclosure of financial information
We comply with customer notice requirements

9. Credit Reporting & FCRA Compliance

As a credit restoration company, we work with credit reporting agencies and comply with the Fair Credit Reporting Act (FCRA):

We obtain written authorization before obtaining your credit reports
We handle credit information confidentially and securely
We notify you of any adverse actions based on credit information
You have the right to dispute inaccurate information on your credit report
We do not guarantee specific credit score improvements
Disputes are filed on your behalf with proper authorization

Your FCRA Rights:

Right to know what is in your credit file
Right to dispute inaccurate information
Right to request credit report corrections
Right to add explanatory statements to your file
Contact the three major credit bureaus:

Equifax: 1-888-378-4329 | www.equifax.com

Experian: 1-888-397-3742 | www.experian.com

TransUnion: 1-800-916-8800 | www.transunion.com

10. Third-Party Links & External Sites

Our Site may contain links to third-party websites, including credit bureaus, financial institutions, and service providers. We are for the privacy practices of external sites.