Effective Date: September 16, 2026

Last Updated: September 16, 2026

Financial Renovation Solutions, Inc. (“Financial Renovation Solutions,” “Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit www.financialrenovationsolutions.com/home, communicate with us, request information, or use our consulting services.

By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy. Where consent is required by law, we will request it separately.

1. INFORMATION WE COLLECT

We may collect the following categories of information:

Information You Provide

Name;

Mailing address;

Email address;

Telephone or mobile number;

Company name and job title;

Information submitted through online forms;

Information provided when scheduling a consultation;

Communications between you and Financial Renovation Solutions;

Billing and transaction information;

Documents or information you voluntarily provide; and

Other information reasonably necessary to respond to your request or provide consulting services.

Information Collected Automatically

When you visit our website, we may automatically collect:

Internet Protocol address;

Browser type;

Device type;

Operating system;

Referring website;

Pages viewed;

Links selected;

Dates and times of visits;

Approximate location derived from your Internet Protocol address; and

Cookie, analytics, and similar technical information.

Information From Other Sources

We may receive information from referral sources, service providers, business partners, publicly available sources, or other persons when permitted by law.

2. HOW WE USE INFORMATION

We may use personal information to:

Respond to questions and requests;

Schedule and conduct consultations;

Provide requested consulting services;

Prepare recommendations, educational materials, and action plans;

Create and administer customer accounts;

Communicate about appointments, services, and account matters;

Send informational or marketing communications when authorized;

Process payments and maintain business records;

Operate, maintain, and improve our website;

Understand how visitors use our website;

Detect and prevent fraud or unauthorized activity;

Protect our legal rights and the security of our systems;

Comply with legal, regulatory, tax, and accounting obligations; and

Carry out other purposes disclosed when the information is collected.

We will not use personal information for a materially different purpose without providing appropriate notice and obtaining consent when required.

3. ONLINE FORMS AND COMMUNICATIONS

When you send us an email, submit an online form, schedule a consultation, or otherwise contact us, we may retain the information you provide to respond to your inquiry and maintain appropriate business records.

Submitting a general website form does not, by itself, constitute consent to receive recurring marketing text messages. When required, consent to receive recurring text messages is collected separately through an affirmative opt-in.

4. SMS AND TEXT-MESSAGING PRIVACY

If you affirmatively opt in to receive text messages from Financial Renovation Solutions, we may send consulting-related informational, appointment, customer-service, account-related, and marketing messages consistent with the consent you provided.

Message frequency varies. Message and data rates may apply. Consent to receive marketing text messages is not a condition of purchasing any product or service.

You may opt out at any time by replying STOP. You may request assistance by replying HELP or contacting us using the information below. After receiving an opt-out request, we may send one final message confirming that the request has been processed.

We do not sell, rent, transfer, or share mobile information with third parties or affiliates for their marketing or promotional purposes.

The above excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. COOKIES AND ANALYTICS

We may use cookies and similar technologies to:

Operate our website;

Remember user preferences;

Understand website traffic and usage;

Improve website functionality;

Detect security threats; and

Measure the effectiveness of our communications.

We may use service providers, such as website analytics providers, to help us understand website activity. These providers may collect technical information through cookies or similar technologies according to their own privacy policies.

You may limit or disable cookies through your browser settings. Disabling cookies may affect the availability or operation of certain website features.

6. WHEN WE DISCLOSE PERSONAL INFORMATION

We do not sell or rent personal information to data brokers, lead generators, or third parties for their independent marketing purposes.

We may disclose personal information in the following circumstances:

Service Providers

We may disclose information to service providers that perform services on our behalf, including:

Website hosting;

Customer-relationship management;

Appointment scheduling;

Payment processing;

Email and communications support;

Information technology;

Cybersecurity;

Data analytics; and

Record management.

We provide service providers only the information reasonably necessary to perform their assigned services and expect them to protect it appropriately.

Mobile information and text-messaging opt-in data and consent are governed by Section 4 and will not be shared with third parties or affiliates for marketing or promotional purposes.

Professional Advisers

We may disclose information to attorneys, accountants, insurers, auditors, consultants, and other professional advisers when reasonably necessary to obtain professional services, satisfy legal obligations, or protect our rights.

Legal Requirements

We may disclose information when we reasonably believe disclosure is necessary to:

Comply with applicable law;

Respond to a subpoena, court order, or lawful government request;

Investigate fraud or unlawful activity;

Protect the safety, property, or legal rights of Financial Renovation Solutions or others; or

Establish, exercise, or defend legal claims.

Business Transactions

If Financial Renovation Solutions is involved in a merger, acquisition, reorganization, financing, sale of assets, or similar transaction, personal information may be disclosed as part of that transaction, subject to applicable law and appropriate confidentiality protections.

Text-messaging originator opt-in data and consent will not be transferred for use by another party for its own marketing or promotional purposes.

At Your Direction

We may disclose information to another person or organization when you direct or authorize us to do so.

7. PAYMENT INFORMATION

Payments may be processed by an independent payment processor. Financial Renovation Solutions may not directly receive or retain complete payment-card information when payments are processed through a third-party platform.

Payment processors maintain their own privacy and security practices. You should review the applicable processor’s policies before submitting payment information.

8. DATA SECURITY

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, misuse, or destruction.

No method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee that information will never be accessed, disclosed, altered, lost, or destroyed despite our safeguards.

If we discover a security incident affecting personal information, we will investigate and provide any notification required by applicable law.

9. DATA RETENTION

We retain personal information for as long as reasonably necessary to:

Provide requested services;

Maintain customer relationships;

Complete transactions;

Comply with legal, regulatory, tax, accounting, and contractual obligations;

Resolve disputes;

Prevent fraud;

Enforce agreements; and

Establish, exercise, or defend legal claims.

When information is no longer reasonably necessary, we may securely delete, destroy, or de-identify it.

10. YOUR COMMUNICATION CHOICES

You may unsubscribe from marketing emails by using the unsubscribe link included in the email or by contacting us.

You may continue to receive nonmarketing communications concerning an existing account, transaction, appointment, security issue, legal notice, or requested service.

Text Messages

You may withdraw consent to receive text messages by replying STOP. For assistance, reply HELP or contact us directly.

Opting out of text messages does not prevent us from communicating with you through other methods where legally permitted.

Telephone Calls

You may ask us not to make marketing telephone calls by notifying the caller or contacting us. This does not prevent calls reasonably necessary to respond to a request, administer an account, provide requested services, or comply with law.

11. YOUR PRIVACY RIGHTS

Depending on your state of residence and applicable law, you may have the right to request that we:

Confirm whether we process your personal information;

Provide access to certain personal information;

Correct inaccurate personal information;

Delete certain personal information;

Provide a portable copy of certain information;

Identify categories of information collected or disclosed;

Restrict or object to certain processing; or

Allow you to withdraw consent where processing is based on consent.

These rights may be subject to legal exceptions. We may retain information necessary to complete transactions, maintain security, prevent fraud, comply with law, exercise legal rights, or preserve required business records.

To submit a privacy request, contact us using the information below. We may take reasonable steps to verify your identity and authority before processing the request.

We will not unlawfully discriminate against you for exercising an applicable privacy right.

12. CHILDREN’S PRIVACY

Our website and services are intended for adults and are not directed to children under 18.

We do not knowingly collect personal information directly from children under 18 through our website for marketing purposes. If we learn that a child has provided personal information without appropriate authorization, we will take reasonable steps to delete it.

13. EXTERNAL WEBSITES

Our website may contain links to websites, applications, social-media platforms, payment processors, or other online resources operated by third parties.

We do not control and are not responsible for the privacy, security, content, or practices of third-party services. Their collection and use of information are governed by their own policies and terms.

14. DO-NOT-TRACK AND PRIVACY SIGNALS

Some browsers and devices permit users to send “Do Not Track” or similar privacy signals. Because no universally accepted standard applies to all such signals, our website may not respond to every browser-based signal.

Where applicable law requires recognition of a legally valid browser-based opt-out preference signal, we will process that signal as required.

15. CHANGES TO THIS PRIVACY POLICY

We may revise this Privacy Policy to reflect changes in our services, practices, technology, or legal obligations.

When we make changes, we will post the revised policy and update the “Last Updated” date. If required by law, we will provide additional notice or obtain consent before applying a material change to previously collected information.

16. CONTACT US

Questions or requests concerning this Privacy Policy may be directed to:

Financial Renovation Solutions, Inc.

Attn: Privacy and Compliance

6401 Eldorado Parkway, Suite 417

McKinney, TX 75070

Website: www.financialrenovationsolutions.com/home

Do not send complete financial-account numbers, passwords, Social Security numbers, or other highly sensitive information through ordinary email.

support@financialrenovationsolutions.com