Flourafi Credit Solutions

    Disclosure

    Effective Date: June 24, 2024

    Important Consumer Disclosure

    FlouraFi, LLC ("FlouraFi," "we," "us," or "our") provides credit education, credit report review, and administrative support services. This Disclosure outlines important information about your rights under federal and state law and clarifies the nature and limitations of our services.

    1. Nature of Services

    FlouraFi provides credit education, credit report review, and administrative support designed to help clients better understand their credit profile, identify potential reporting issues, and navigate the credit reporting process responsibly.

    Our services are educational and administrative in nature. We do not provide legal advice, tax advice, lending services, or debt settlement services.

    2. No Guarantee of Results

    FlouraFi does not guarantee any specific credit score increase, deletion, approval, timeline, or outcome.

    Results depend on many factors outside of our control, including but not limited to:

    • credit reporting agency procedures
    • data furnisher responses
    • creditor decisions
    • regulatory requirements
    • the accuracy of information reported
    • the client's own financial behavior

    3. Accurate Information Cannot Be Removed

    You have the right to dispute inaccurate or incomplete information on your credit report.

    However, neither you nor FlouraFi, nor any other organization, can require the removal of accurate, current, and verifiable information from a credit report.

    Credit reporting agencies may remove negative information only after it exceeds the applicable statutory reporting period, which is generally:

    • 7 years for most negative items
    • up to 10 years for certain bankruptcy records

    4. Your Right to Obtain Your Credit Report

    You have the right to obtain a copy of your credit report from each major credit reporting agency.

    You may be entitled to a free report under certain conditions, including:

    • denial of credit, insurance, employment, or housing within the past 60 days
    • unemployment and intent to seek employment within 60 days
    • receipt of public assistance
    • suspicion of fraud or identity theft affecting your credit file

    Otherwise, a reasonable fee may apply.

    5. Your Right to Dispute Information

    You have the right to dispute inaccurate or incomplete information directly with the credit reporting agencies.

    Upon receiving your dispute, the credit reporting agency must:

    • conduct a reasonable reinvestigation
    • review submitted documentation
    • correct or remove inaccurate or unverifiable information at no charge

    You may also:

    • submit a written statement explaining your dispute
    • request that your statement be included in your credit file

    6. Right to Take Legal Action

    You have the right to take legal action against any organization that violates applicable laws, including the Credit Repair Organizations Act (CROA), which prohibits deceptive or misleading practices.

    7. Right to Cancel

    You have the right to cancel your agreement with FlouraFi without penalty before midnight of the third (3rd) business day after signing.

    Please refer to your written service agreement and Notice of Cancellation for full details.

    8. Administrative Support Clarification

    FlouraFi may provide administrative support related to:

    • organizing documentation
    • assisting with dispute preparation (where authorized)
    • maintaining communication workflows
    • providing structured updates

    Administrative support does NOT mean:

    • we control credit bureau decisions
    • we control creditor or lender actions
    • we can guarantee outcomes or timelines

    9. Credit Bureau Responsibilities

    Credit reporting agencies are required by law to follow reasonable procedures to ensure maximum possible accuracy.

    However, errors may occur, and consumers are encouraged to:

    • regularly review their credit reports
    • submit disputes when appropriate
    • provide supporting documentation

    10. Federal Trade Commission

    The Federal Trade Commission (FTC) oversees credit reporting agencies and credit-related service providers.

    For additional information, you may contact:

    Federal Trade Commission
    Consumer Response Center
    600 Pennsylvania Avenue NW
    Washington, DC 20580
    www.ftc.gov

    11. Privacy Notice

    FlouraFi respects your privacy and is committed to protecting your personal information.

    We collect and use information in accordance with our Online Privacy Policy. Information may be used to:

    • provide services
    • respond to inquiries
    • improve user experience
    • communicate updates or educational content
    • comply with legal obligations

    We do NOT sell your personal information.

    Depending on your state of residence, you may have rights to:

    • access your personal data
    • request correction
    • request deletion (subject to legal requirements)
    • opt out of marketing communications

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

    For full details, please review our Privacy Policy on our website.

    12. Important Limitations

    FlouraFi:

    • does not control credit reporting agencies
    • does not control creditors or lenders
    • does not alter credit bureau data
    • does not provide legal representation
    • does not guarantee results

    All services are provided based on education, administrative support, and client participation.

    13. Contact Information

    If you have questions about this Disclosure or 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

    FlouraFi empowers clients with knowledge, structure, and support so they can better understand their credit and make informed financial decisions.