Privacy Policy

Depending on the services you request, we may collect the following categories of information. A. Identification and Contact Information Full name; mailing address; email address; telephone number; date of birth; government issued identification information; Social Security number or taxpayer identification number; business name and business contact information; employer and occupation information. B. Financial Information Income and employment information; bank account and payment information; tax returns and supporting tax documents; credit reports and credit scores; debt, account, and payment history; insurance and retirement information; business revenue and financial statements; funding applications and supporting documents; information about assets, liabilities, expenses, and financial goals. Payment card information may be processed by third party payment processors. We may not directly retain complete payment card numbers after a transaction is processed. C. Tax Return Information When providing tax related services, we may collect information furnished in connection with the preparation, filing, review, or amendment of a federal, state, or local tax return. Tax return information will not be used or disclosed for an unrelated purpose unless you provide legally valid written consent, the use or disclosure is permitted by law, the information must be disclosed pursuant to a valid subpoena, court order, government request, or legal obligation, or the disclosure is reasonably necessary to complete the tax service you requested. Any consent to use or disclose tax return information will be presented separately when required by applicable law. D. Credit Information When you request credit related services, we may collect consumer credit reports; credit scores; creditor and account information; collection account information; public record information; credit inquiry information; identity verification documentation; correspondence from creditors, collectors, and consumer reporting agencies; information concerning suspected identity theft or inaccurate reporting; login credentials or authorization information for credit monitoring services, when voluntarily provided and authorized. We will only access your credit information with your authorization or as otherwise permitted by law. E. Website and Technology Information When you use our website or digital platforms, we may automatically collect Internet Protocol address; browser type; device type; operating system; pages visited; links selected; date and time of access; referring website; approximate location derived from an Internet Protocol address; cookie, pixel, and analytics information. F. Communications We may collect and maintain records of emails, text messages, telephone calls, voicemail messages, chat communications, video meetings, client support requests, and social media messages. Calls and meetings may be recorded for training, compliance, documentation, or quality assurance when permitted by law and after any legally required notice or consent. G. Professional and Business Information For tax professionals, insurance professionals, business clients, independent contractors, or applicants, we may collect professional licenses; Electronic Filing Identification Numbers; Preparer Tax Identification Numbers; employment history; business ownership information; professional qualifications; training records; background information; business performance and transaction information.

We may use personal information to respond to questions and consultation requests; verify your identity; determine which services may be appropriate for your needs; prepare, review, amend, or file tax returns; provide tax planning and tax education; deliver credit education and credit restoration services; review credit reports and identify potentially inaccurate, incomplete, obsolete, or unverifiable information; assist with business formation, structuring, and compliance coordination; evaluate funding readiness and connect qualified clients with third party funding providers; provide insurance education and connect consumers with appropriately licensed insurance professionals; process payments; create and administer client accounts; operate tax software, training, and support programs; communicate service updates, appointments, and account information; send promotional communications when permitted by law; prevent fraud, unauthorized activity, and security incidents; maintain business and tax records; comply with legal, regulatory, licensing, and contractual obligations; enforce our agreements and protect our legal rights; improve our website, customer experience, marketing, and services. We will not use tax return information for marketing or unrelated financial services unless you have provided any consent required by federal law.

A. Affiliated Companies — Information may be shared among companies owned, controlled, or operated under the Complete Financial Groups organization when necessary to provide the service you requested. Tax return information will not be shared with an affiliated company for an unrelated purpose without any authorization or consent required by law. B. Service Providers — We may disclose information to companies that assist us with website hosting; customer relationship management; secure document storage; electronic signatures; payment processing; tax preparation and electronic filing; credit monitoring and credit report access; client portals; email and text communications; appointment scheduling; data security; accounting and bookkeeping; marketing and analytics; customer support; professional compliance. Service providers are expected to use information only for authorized purposes and to protect it appropriately. C. Insurance Carriers and Licensed Professionals — When you request insurance information or authorize an application, we may share relevant information with licensed insurance agents, agencies, carriers, underwriting providers, examination companies, and other entities involved in evaluating or issuing insurance products. D. Funding Providers — When you request business funding assistance and provide authorization, we may disclose your information to lenders, brokers, financing companies, funding partners, banks, credit unions, or other providers that independently determine eligibility and terms. Complete Financial Groups is not responsible for a third party provider's approval decision, rates, fees, terms, underwriting criteria, or privacy practices. E. Legal and Regulatory Disclosures — We may disclose information when reasonably necessary to comply with federal, state, or local law; respond to a subpoena, warrant, court order, or government request; cooperate with a lawful investigation; prevent fraud, financial loss, or identity theft; protect the rights, safety, or property of our clients, employees, organization, or others; establish, exercise, or defend legal claims; report a security incident when required by law. F. Business Transactions — Information may be transferred as part of a merger, acquisition, reorganization, financing, sale of assets, or other business transaction, subject to applicable confidentiality and legal requirements.

Complete Financial Groups does not sell personal information in exchange for money. We do not sell tax return information, Social Security numbers, credit reports, bank account information, or other nonpublic financial information. Certain digital advertising or analytics activities may be considered targeted advertising, sharing, or a sale under some state privacy laws even when no money is exchanged. Where required, you may request that we stop processing your personal information for targeted advertising or qualifying sales.

We may use cookies, pixels, tags, analytics tools, and similar technologies to operate the website; remember preferences; understand website traffic; measure advertising performance; identify technical problems; improve services; and present relevant advertising. You may control cookies through your browser settings. Disabling cookies may prevent certain website features from operating correctly.

When you provide your telephone number and consent to communications, you may receive appointment reminders, account notifications, service updates, educational messages, and promotional messages. Consent to receive marketing calls or text messages is not a condition of purchasing a service. Message and data rates may apply. Message frequency may vary. You may opt out of promotional text messages by replying STOP. You may request assistance by replying HELP or contacting us directly. An opt out request may not prevent communications that are necessary to complete an existing transaction, deliver requested services, respond to your inquiry, or provide legally required notices.

You may unsubscribe from promotional emails by using the unsubscribe link contained in the email or by contacting us. Even after unsubscribing from promotional emails, we may continue sending service related, account related, transactional, legal, or security communications.

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. These safeguards may include access controls, password protection, multifactor authentication, encryption where appropriate, secure document portals, employee and contractor confidentiality requirements, security training, vendor oversight, data backup procedures, incident response procedures, and secure disposal practices. No website, email system, database, or electronic transmission is completely secure. We cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your passwords, account credentials, and devices. You should notify us immediately if you believe your account or information has been compromised.

We retain information for as long as reasonably necessary to provide requested services; maintain tax and business records; comply with legal and regulatory requirements; resolve disputes; enforce agreements; prevent fraud; support audits or investigations; and protect our legal rights. Retention periods may vary depending on the information, service, contractual requirements, and applicable law.

Subject to applicable exceptions, Texas residents may have the right to confirm whether we process their personal data; access personal data; correct inaccuracies; delete personal data provided by or obtained about them; obtain a portable copy of eligible personal data; opt out of processing for targeted advertising; opt out of the sale of personal data; opt out of certain profiling activities that produce legal or similarly significant effects; and appeal the denial of a privacy request. Certain information may be exempt from state privacy laws, including information governed by federal financial privacy laws, credit reporting laws, or other sector specific regulations. To submit a privacy request, contact us using the information provided below. We may require information reasonably necessary to verify your identity. We will not unlawfully discriminate against you for exercising an applicable privacy right. Privacy Request Appeals — If we deny your privacy request, you may appeal by contacting us and writing "Privacy Request Appeal" in the subject line or at the beginning of your written request. We will review and respond to the appeal as required by applicable law. When applicable, our response will explain how you may submit a complaint to the Texas Attorney General.

Depending on the services provided, Complete Financial Groups may receive nonpublic personal information concerning your finances. We restrict access to nonpublic personal information to personnel and service providers who need the information to provide requested services, administer accounts, perform authorized business functions, or comply with law. We do not disclose nonpublic personal financial information to nonaffiliated third parties except as authorized by you; as necessary to provide requested services; as permitted or required by law; or as described in any additional financial privacy notice provided to you. When required, we will provide a separate financial privacy notice or an opportunity to limit certain information sharing.

Credit reports and information derived from credit reports will only be accessed, used, and disclosed for an authorized and legally permissible purpose. You may dispute inaccurate information directly with consumer reporting agencies without purchasing services from Complete Financial Groups. Complete Financial Groups cannot remove accurate, current, and verifiable negative information merely because it is unfavorable.

Our website and services are intended for adults and are not directed toward children under 13. We do not knowingly collect personal information directly from children under 13 without legally required parental consent. If we discover that such information has been collected improperly, we will take reasonable steps to delete it.

Our website may contain links to third party websites, platforms, lenders, insurers, credit monitoring providers, payment processors, or other services. We do not control and are not responsible for their content, privacy policies, security, or business practices. You should review the policies of each third party before submitting information.

We may revise this Privacy Policy to reflect changes in our services, technology, legal obligations, or business practices. The revised policy will be posted on our website with an updated effective date. Material changes may also be communicated through email, a website notice, or another appropriate method.

Questions, privacy requests, corrections, deletion requests, and appeals may be submitted to: Complete Financial Groups, LLC 340 N. Sam Houston Parkway E. Suite A249 Houston, Texas 77060 Telephone: 832-900-4992 Website: CompleteFinancialGroups.com Please include your full name, preferred contact information, the nature of your request, and sufficient information for us to verify your identity.