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ast Updated: 01/01/2025

Welcome to Genesis Financial Recovery ("Company," "we," "us," or "our"). By accessing or using our website (www.gfrcredit.com) and our credit repair and consulting services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must refrain from using our Services.

By using our Services, you confirm that:

• You are at least 18 years old.
• You are legally capable of entering into a binding agreement.
• The information you provide to us is accurate and complete.

Genesis Financial Recovery provides credit repair and consulting services, which may include:

• Reviewing your credit reports for errors or inaccuracies.
• Assisting in disputing negative or inaccurate items.
• Providing credit education and financial consulting.

We do not guarantee specific credit score improvements or funding approvals. Results vary based on individual credit profiles, creditor responses, and compliance with our recommendations.

To maximize the effectiveness of our Services, you agree to:

• Provide truthful and accurate information.
• Share all relevant documents related to your credit profile.
• Maintain communication and respond promptly to our requests.
• Follow our guidance regarding credit-building strategies.

Failure to cooperate may impact the effectiveness of our Services.

Our Services may require an initial setup fee and/or a monthly service fee, as disclosed in your client agreement. Payments must be made on time to avoid service interruptions.

•  Refund Policy: You may request a refund within 60 days of your initial payment if no disputes have been processed or if no work has been performed on your behalf. After 60 days, all fees are non-refundable. 
• Late Payments: If a payment is not received within the agreed timeframe, we reserve the right to suspend or terminate your access to our Services.

Genesis Financial Recovery does not guarantee:

• Specific credit score increases.
• Removal of all negative items.
• Approval for loans, credit cards, or other financial products.

We are not responsible for any actions taken by credit bureaus, creditors, or financial institutions, including delayed responses or refusals to update credit reports.

Under no circumstances shall Genesis Financial Recovery, its employees, affiliates, or agents be liable for any indirect, incidental, or consequential damages related to your use of our Services.

We operate in full compliance with the Credit Repair Organizations Act (CROA) and applicable state laws. We do not:

• Make false or misleading statements about your credit.
• Charge upfront fees before services are performed (as required by law).
• Advise you to create a new identity to bypass negative credit history.

You acknowledge that we are a credit repair and consulting service and not a law firm, financial institution, or government agency.

• You may cancel your service at any time by providing written notice. Cancellation may take effect in the next billing cycle.
• We reserve the right to terminate your service if you violate these Terms, engage in fraudulent activity, or misuse our Services.

Your privacy is important to us. By using our Services, you agree to our Privacy Policy, which outlines how we collect, use, and protect your personal information.

If a dispute arises, both parties agree to resolve the matter through good-faith negotiations. If unresolved, disputes shall be settled through binding arbitration in accordance with the laws of [Your State].

You waive the right to participate in any class-action lawsuit against Genesis Financial Recovery.

We reserve the right to modify these Terms at any time. Changes will be posted on our website, and continued use of our Services constitutes acceptance of the revised Terms.

If you have any questions about these Terms, please contact us at:

📧 Email: rtaylor@gfrcredit.com
🌐 Website: www.gfrcredit.com

 Privacy Policy 

Effective Date: 01/01/2025

Welcome to Genesis Financial Recovery ("Company," "we," "us," or "our"). Protecting your personal information is our priority. This Privacy Policy explains how we collect, use, share, and protect your personal data when you visit our website (www.gfrcredit.com) or use our credit repair and consulting services (collectively, the "Services").

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree, please refrain from using our Services.

We collect various types of personal information to provide our Services, including:

• Personal Identification: Name, date of birth, Social Security number.
• Contact Details: Email address, phone number, mailing address.
• Financial Information: Credit reports, credit history, income details (if provided).
• Billing Information: Payment details for service fees.

When you visit our website, we may collect:

• Device Information: IP address, browser type, operating system.
• Usage Data: Pages visited, time spent on the website, referral sources.
• Cookies & Tracking Technologies: Small files stored on your device to enhance user experience (see Section 7).

We use your personal information to:
✅ Provide credit repair and consulting services.
✅ Review and dispute inaccuracies on your credit report.
✅ Process payments and manage billing.
✅ Communicate with you about service updates, promotions, and support.
✅ Comply with legal and regulatory obligations.
✅ Improve website functionality and user experience.

We do not sell or rent your personal information. However, we may share your information in the following circumstances:

• With Credit Bureaus & Creditors: To process dispute letters and resolve credit issues.
• With Service Providers: Third-party companies that assist in delivering our Services (e.g., payment processors, mailing services).
• With Legal Authorities: If required by law, legal proceedings, or to protect our rights.
• With Business Partners: If necessary for providing additional financial or credit-building solutions (with your consent).

We implement strong security measures to protect your personal information, including:
🔒 Encryption: Sensitive data is encrypted during transmission.
🔒 Access Controls: Only authorized personnel have access to your data.
🔒 Secure Storage: Your data is stored on protected servers with security protocols.

However, no method of transmission over the internet is 100% secure. While we take steps to safeguard your information, we cannot guarantee absolute security.

You have the following rights regarding your personal information:

• Access & Correction: Request a copy of your data or correct inaccuracies.
• Opt-Out of Marketing: Unsubscribe from promotional emails at any time.
• Data Deletion: Request that we delete your personal information, subject to legal obligations.
• Restrict Processing: Limit how we use your data in certain cases.

To exercise these rights, contact us at rtaylor@gfrcredit.com.

We retain your personal data only as long as necessary to:
✅ Provide Services and support.
✅ Comply with legal and regulatory requirements.
✅ Resolve disputes and enforce agreements.

After the retention period, we securely delete or anonymize your data.

We use cookies and similar tracking technologies to improve website functionality and personalize user experiences.

• Essential Cookies: Required for core website functions.
• Analytics Cookies: Track website usage to improve performance.
• Marketing Cookies: Deliver relevant ads based on browsing behavior.

You can manage cookie preferences in your browser settings. Disabling cookies may impact website functionality.

Our website may contain links to third-party websites. We are not responsible for their privacy practices. We recommend reviewing their privacy policies before providing personal information.

Our Services are not intended for individuals under 18. We do not knowingly collect information from minors. If we learn that we have collected data from a minor, we will delete it immediately.

We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated "Effective Date". Your continued use of our Services constitutes acceptance of the revised policy.

If you have any questions about this Privacy Policy, please contact us:

📧 Email: rtaylor@gfrcredit.com
🌐 Website: www.gfrcredit.com