PRIVACY POLICY Business & Personal Brilliant Finish Financial Group **My Brilliant Finish / Brilliant Finish Financial Group** Effective Date: October 6, 2026 Last Updated: October 6, 2026 Business & Personal Brilliant Finish Financial Group, including My Brilliant Finish and Brilliant Finish Financial Group (collectively, “BFFG,” "MBF", “Company,” “we,” “us,” or “our”), respects your privacy. This Privacy Policy explains how we may collect, use, disclose, protect, and otherwise process information when you visit our website, communicate with us, schedule an appointment, submit a form, purchase a product or service, participate in a program, or otherwise interact with BFFG. This Privacy Policy applies to information collected through our website and other interactions in which this Privacy Policy is provided or referenced. By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy. --- # 1. INFORMATION WE MAY COLLECT The information we collect depends upon how you interact with BFFG and which products, programs, or services you request. We may collect the following categories of information. ## Personal Identification and Contact Information This may include: - first and last name; - mailing address; - email address; - telephone number; - city; - state; - ZIP code; - business name; - job title or occupation; and - other contact information you voluntarily provide. ## Account and Transaction Information When applicable, we may collect information concerning: - products or services purchased; - programs selected; - appointment history; - transaction history; - payment status; - invoices; - customer-service communications; - program participation; and - account preferences. Payment-card information may be collected and processed directly by third-party payment processors rather than stored directly by BFFG. ## Financial Literacy, Credit Education and Credit Restoration Information When reasonably necessary to provide a service you request, information may include: - information appearing on consumer credit reports; - credit-related information; - information concerning accounts appearing on a consumer report; - information concerning creditors or collection accounts; - financial-readiness information; - information concerning debt; - information concerning financial goals; - information concerning credit goals; - information concerning funding readiness; and - documents or information you voluntarily provide for an applicable service. We seek to collect only information reasonably necessary for the applicable purpose. --- # 2. SENSITIVE INFORMATION Certain services may require information that is more sensitive than ordinary contact information. Depending upon the service requested, this could include financial information, credit-report information, identification information, or other documentation. **Do not submit Social Security numbers, passwords, complete bank-account numbers, complete payment-card numbers, government identification documents, or similarly sensitive information through an unsecured general website contact form or ordinary email unless BFFG has specifically instructed you to use that method.** When sensitive documentation is required, clients should use the submission method designated by BFFG for that purpose. BFFG does not request sensitive information merely because someone visits the website. --- # 3. INFORMATION YOU VOLUNTARILY PROVIDE We may collect information when you: - complete a website form; - request information; - contact us; - schedule a consultation; - register for an event; - enroll in a program; - purchase a product; - purchase a service; - participate in a consultation; - submit documents; - communicate by email; - communicate by telephone; - communicate by text message; - participate in a survey; - provide a testimonial or review; - request customer support; or - otherwise voluntarily provide information. You are responsible for ensuring that information you provide is accurate and that you are authorized to provide it. --- # 4. INFORMATION COLLECTED AUTOMATICALLY When you visit our website, certain information may be collected automatically by the website, hosting provider, analytics provider, or other technology used to operate the site. This information may include: - Internet Protocol address; - browser type; - device type; - operating system; - pages visited; - referring website; - approximate geographic information derived from an IP address; - date and time of access; - website interactions; - links clicked; - session information; and - cookie or similar technology identifiers. This information may be used for website functionality, analytics, security, troubleshooting, and improving the user experience. --- # 5. COOKIES AND SIMILAR TECHNOLOGIES Our website and third-party providers that support it may use cookies, pixels, tags, local storage, analytics technologies, or similar tools. These technologies may help: - operate the website; - remember preferences; - understand website usage; - measure website performance; - prevent fraud; - improve website functionality; - understand marketing performance; and - provide relevant communications or advertising where legally permitted. Your browser may allow you to block or delete cookies. Blocking certain cookies may affect website functionality. Where applicable law requires consent for particular non-essential cookies or similar technologies, BFFG will seek to implement the appropriate consent mechanism. --- # 6. HOW WE MAY USE INFORMATION BFFG may use information for legitimate business purposes, including to: - operate the website; - respond to inquiries; - provide requested information; - schedule appointments; - provide Credit Education; - provide Financial Literacy programs; - provide Credit Restoration services; - administer consultations; - provide business education; - provide financial-readiness education; - provide courses, workshops, or programs; - fulfill digital-product purchases; - provide AI, automation, or digital systems services; - process transactions; - administer customer relationships; - provide customer support; - communicate concerning an account or service; - send appointment confirmations and reminders; - maintain appropriate business records; - improve our programs and services; - maintain website security; - detect or prevent fraud; - comply with applicable law; - enforce agreements; - establish or defend legal claims; and - protect BFFG, its clients, and others. --- # 7. CREDIT EDUCATION, FINANCIAL LITERACY AND CREDIT RESTORATION INFORMATION Information provided in connection with Credit Education, Financial Literacy, or Credit Restoration is used for the purpose for which it was provided and other lawful purposes reasonably related to the client relationship. Depending upon the specific service authorized by the client, information may be used to: - educate a client concerning consumer credit; - help a client understand information appearing on a consumer report; - provide financial-literacy education; - evaluate financial or credit readiness; - identify information the consumer wishes to review; - assist with authorized Credit Restoration activities; - prepare authorized communications; - maintain required client records; or - comply with applicable legal obligations. BFFG does not use a client's sensitive credit or financial information merely for unrelated purposes simply because the information was provided in connection with a service. --- # 8. CONSUMER REPORT INFORMATION When BFFG receives consumer-report information from a client or through another legally authorized method, such information will be used in connection with the purpose for which the client provided or authorized access to it. BFFG does not operate as a consumer reporting agency. Clients should obtain and provide consumer-report information only through lawful means. Nothing in this Privacy Policy authorizes BFFG to access a consumer report without any authorization or permissible purpose required by applicable law. --- # 9. HOW INFORMATION MAY BE DISCLOSED BFFG does not disclose personal information indiscriminately. Information may be disclosed to third parties when reasonably necessary to operate the business, provide requested services, complete transactions, protect legal rights, or comply with applicable law. These third parties may include: - website hosting providers; - website platform providers; - payment processors; - appointment-scheduling providers; - customer relationship management systems; - email providers; - SMS or telephone communication providers; - cloud-storage providers; - document-management providers; - electronic-signature providers; - analytics providers; - IT and cybersecurity providers; - professional advisers; - contractors or service providers supporting BFFG operations; and - other providers necessary to perform services requested by the customer. These companies may process information according to their own applicable privacy obligations and contractual arrangements. --- # 10. NO SALE OF SENSITIVE CREDIT OR FINANCIAL INFORMATION BFFG does not sell a client's sensitive consumer credit information, Social Security number, financial-account credentials, or credit-report information to unrelated third parties for their independent marketing purposes. BFFG does not provide sensitive client credit information to unrelated businesses merely so those businesses can market products to the client. This provision does not prevent disclosures that a client specifically requests or authorizes, disclosures necessary to provide a requested service, or disclosures required by law. --- # 11. PAYMENT PROCESSING Payments may be processed through independent third-party payment processors. When a third-party payment processor handles a transaction, the payment provider may collect payment-card or financial information directly. BFFG may receive transaction information such as: - customer name; - transaction amount; - transaction date; - payment status; - transaction identifier; and - limited payment information made available by the processor. BFFG does not claim responsibility for the independent privacy or security practices of a third-party payment processor. Customers should review the applicable processor's privacy practices when appropriate. --- # 12. SERVICE PROVIDERS BFFG may use third-party service providers to help operate its business. A service provider may receive information reasonably necessary to perform services on BFFG's behalf. Examples may include companies providing: - website hosting; - email; - customer relationship management; - payment processing; - appointment scheduling; - communications; - cloud storage; - electronic signatures; - analytics; - automation; - technology; - document management; and - professional services. BFFG seeks to limit disclosures to information reasonably related to the service being performed. --- # 13. AI AND AUTOMATION TECHNOLOGIES BFFG may use artificial intelligence, automation, customer relationship management systems, or other digital technologies to support business operations. These technologies may assist with activities such as: - administrative tasks; - scheduling; - communications; - customer-service workflows; - business analysis; - document organization; - educational-content development; and - internal operational processes. BFFG does not represent that artificial intelligence systems are infallible. Appropriate human review should be used when automated technology is involved in consequential matters. Sensitive personal, financial, or credit information should not be placed into an AI system unless its use is appropriate, authorized, and consistent with applicable privacy and security requirements. --- # 14. EMAIL COMMUNICATIONS If you provide an email address, BFFG may use it to: - respond to an inquiry; - send appointment information; - provide transaction information; - deliver purchased materials; - administer a client relationship; - provide customer support; - send service-related communications; and - send promotional communications where legally permitted. Promotional emails will include an appropriate method for recipients to unsubscribe when required by law. Unsubscribing from marketing communications does not necessarily prevent BFFG from sending transactional or service-related communications that are necessary to administer an existing relationship. --- # 15. TEXT MESSAGES AND TELEPHONE COMMUNICATIONS If you provide a telephone number, BFFG may use it for communications you request or authorize, subject to applicable law. These communications may include: - responding to inquiries; - appointment confirmations; - appointment reminders; - customer-service communications; - service-related updates; and - marketing communications where appropriate consent has been obtained. Where required, consent for automated or marketing communications will be obtained separately. Message and data rates may apply. Recipients may opt out of applicable marketing text messages by replying **STOP** or using another opt-out method provided by BFFG. --- # 16. MARKETING BFFG may use contact information to communicate about products, services, programs, classes, workshops, events, or educational resources where legally permitted. Where applicable law requires consent, BFFG will rely upon the appropriate consent before sending the applicable communication. Recipients may opt out of promotional communications using the method provided in those communications. --- # 17. LEGAL AND REGULATORY DISCLOSURES BFFG may disclose information when reasonably believed necessary to: - comply with applicable law; - comply with a valid court order; - respond to lawful governmental requests; - comply with a subpoena or other legal process; - investigate suspected fraud; - enforce an agreement; - protect the safety or rights of BFFG or others; - establish or defend a legal claim; or - comply with applicable regulatory obligations. BFFG may challenge or limit a request when appropriate and legally permitted. --- # 18. BUSINESS TRANSFERS If BFFG undergoes a merger, acquisition, reorganization, financing transaction, sale of assets, or similar legitimate business transaction, information may be transferred as part of that transaction where legally permitted. Any successor receiving personal information remains subject to applicable privacy obligations concerning that information. --- # 19. DATA RETENTION BFFG may retain information for as long as reasonably necessary to: - provide requested services; - maintain the client relationship; - complete transactions; - satisfy contractual obligations; - maintain business and financial records; - satisfy legal or regulatory requirements; - resolve disputes; - prevent fraud; - enforce agreements; and - establish or defend legal claims. Different categories of information may require different retention periods. BFFG may delete or securely dispose of information when it is no longer reasonably necessary to retain it, subject to applicable legal, regulatory, contractual, and recordkeeping requirements. --- # 20. DATA SECURITY BFFG recognizes that financial and credit-related information may be sensitive. BFFG seeks to use reasonable administrative, technical, and organizational safeguards appropriate to the nature of the information and the size and nature of its operations. However, no electronic system can be guaranteed to be completely secure. Internet transmissions, email, cloud systems, mobile devices, third-party platforms, and databases may be subject to risks outside BFFG's reasonable control. For this reason, customers should use designated secure methods when providing sensitive information. --- # 21. DATA BREACHES AND SECURITY INCIDENTS If BFFG discovers a security incident involving personal information, BFFG will evaluate the incident and take actions reasonably appropriate under the circumstances. Where applicable law requires notification to affected individuals, governmental agencies, consumer reporting agencies, or other parties, BFFG will provide the required notification in accordance with applicable law. --- # 22. YOUR PRIVACY CHOICES Depending upon the nature of your relationship with BFFG and applicable law, you may contact BFFG to request: - correction of inaccurate contact information; - updates to your information; - removal from promotional email communications; - removal from applicable marketing text communications; or - information concerning BFFG's privacy practices. Certain information cannot necessarily be deleted immediately when BFFG is legally or contractually required to retain it. For example, BFFG may need to retain information concerning completed transactions, contracts, legal compliance, disputes, or required business records. --- # 23. DO NOT TRACK AND BROWSER PRIVACY CONTROLS Internet browsers and devices may offer privacy controls, cookie controls, or “Do Not Track” settings. Because technologies and legal requirements continue to evolve, the website's response to these signals may depend upon the website platform and technologies in use. Users may also control certain cookies through browser settings or available website privacy controls. --- # 24. CHILDREN'S PRIVACY BFFG's general website and commercial services are intended primarily for adults. BFFG does not knowingly seek to collect sensitive personal financial or credit information directly from children through its general website. If BFFG provides a financial-literacy or educational program specifically designed for minors, additional parent or legal guardian consent procedures may apply where appropriate. If you believe a child has submitted personal information to BFFG improperly, please contact us. --- # 25. SOCIAL MEDIA BFFG may maintain social-media accounts. Information you voluntarily post publicly on social media may be visible to other users and is subject to the privacy practices of the applicable social-media platform. Do not post Social Security numbers, account numbers, credit reports, identification documents, passwords, or other sensitive information in public comments or social-media messages. --- # 26. TESTIMONIALS AND REVIEWS BFFG will obtain appropriate permission before intentionally publishing personally identifiable client testimonials where permission is required. A client who voluntarily posts a public review on an independent platform should understand that the information may become publicly available according to that platform's policies. BFFG will not intentionally publish a client's private credit report or sensitive financial information as part of a testimonial without appropriate authorization. --- # 27. THIRD-PARTY WEBSITES Our website may contain links to websites or services operated by other organizations. BFFG does not control the privacy practices of independent third parties. When you leave the BFFG website and visit another website, that organization's privacy policy may govern information collected through that website. We encourage users to review applicable third-party privacy policies. --- # 28. UNITED STATES OPERATIONS BFFG operates from the United States. Information may be processed or stored in the United States or through service providers operating in other locations, depending upon the technologies used to provide the applicable service. Users accessing the website from outside the United States should understand that applicable privacy laws may differ between jurisdictions. --- # 29. OHIO RESIDENTS BFFG is based in Ohio and handles personal information in accordance with applicable Ohio and federal law. Nothing in this Privacy Policy is intended to eliminate a privacy, data-security, consumer-protection, or breach-notification right that cannot legally be waived. --- # 30. OTHER STATE PRIVACY RIGHTS Residents of certain U.S. states may have additional privacy rights under laws applicable to them and to BFFG. The availability of a particular right may depend upon factors such as: - the consumer's state of residence; - the type of information involved; - the purpose for which the information is processed; - the nature of the relationship; - exemptions contained in applicable law; and - whether the applicable law applies to BFFG. Where a state privacy law applies, BFFG will honor applicable rights as required by that law. --- # 31. FINANCIAL INFORMATION AND APPLICABLE FEDERAL LAW Certain financial information may be subject to specialized federal or state requirements depending upon the nature of a service and BFFG's relationship with the consumer. Nothing in this Privacy Policy is intended to replace a separate privacy notice or disclosure when applicable law requires BFFG to provide one. If a separate legally required privacy notice applies to a particular financial product, relationship, or transaction, that notice may supplement this Privacy Policy. --- # 32. CONSUMER CREDIT INFORMATION Credit-related information will be handled in accordance with applicable law. Nothing in this Privacy Policy authorizes BFFG to: - obtain a consumer report without lawful authorization or permissible purpose; - disclose consumer-report information for an unauthorized purpose; - impersonate a consumer; - make unauthorized representations on behalf of a consumer; or - use credit information for unlawful purposes. Where written authorization is legally required for a particular Credit Restoration activity, the appropriate authorization should be obtained separately. --- # 33. INFORMATION RECEIVED ABOUT ANOTHER PERSON Do not provide BFFG with another person's sensitive personal, financial, or credit information unless you have the legal authority or appropriate authorization to provide it. Providing someone's information to BFFG does not automatically authorize BFFG to access that person's consumer report or act on that person's behalf. --- # 34. PASSWORDS AND ACCOUNT SECURITY If BFFG provides access to an online portal or account, users are responsible for maintaining the confidentiality of their login credentials. You should: - use a strong password; - avoid sharing passwords; - secure your devices; - log out of shared devices; and - promptly report suspected unauthorized account access. --- # 35. CHANGES TO THIS PRIVACY POLICY BFFG may update this Privacy Policy when: - our services change; - our technology changes; - our data practices change; - legal requirements change; or - additional privacy protections become appropriate. The “Last Updated” date at the beginning of this Privacy Policy will identify the latest revision. Where applicable law requires additional notice or consent for a material change, BFFG will take appropriate steps to provide it. --- # 36. CONTACT US Questions or concerns regarding this Privacy Policy or BFFG's privacy practices may be directed to: **Business & Personal Brilliant Finish Financial Group** **My Brilliant Finish / Brilliant Finish Financial Group** 2112 Central Ave Cincinnati, Ohio 45214 **Email:** itsyourturn@mybrilliantfinish.com When contacting us regarding a privacy request, please provide enough information for BFFG to reasonably identify and respond to your request. For security purposes, BFFG may request reasonable verification before acting on a request involving personal information. --- # PRIVACY COMMITMENT BFFG recognizes the importance of protecting information entrusted to us. Information collected in connection with **Credit Education, Financial Literacy, Credit Restoration, financial readiness, business education, consultations, and other BFFG services** will be handled according to the purposes for which it was collected and applicable law. We do not promise that any electronic system can be completely free from security risks, but we recognize our responsibility to handle personal information appropriately and to maintain reasonable safeguards suitable for our operations.