Privacy Policy

1. Introduction

Big Brain Financial Coaching, LLC ("Company," "we," "our," or "us") respects your privacy and complies with federal, state, and financial privacy requirements. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, visit our website, or interact with us in any way. By using our website or services, you agree to the practices described here.

2. Information We Collect

We may collect the following categories of information:

3. How We Use Your Information

We use collected information to:

• Provide financial coaching, credit education, or credit service organization (CSO) activities.
• Process payments and deliver invoices/receipts.
• Respond to inquiries and customer service requests.
• Improve our website, services, and client experience.
• Provide financing options through independent third-party lenders.
• Comply with federal and state regulations (GLBA, FTC, TSR, and Texas CSO rules).
• Send you educational resources or marketing updates (you may opt out anytime).

4. How We Share Information

We do not sell, rent, or share your personal information with third parties or affiliates for marketing or promotional purposes. We may disclose information only in the following cases:

Important: We may share your opt-in data (such as phone numbers and consent records) with our subcontractors or outsourced service providers solely to fulfill the services we provide to you. These providers are prohibited from using your information for any purpose other than delivering our services.

5. SMS/Text Messaging Communications

By providing your phone number and checking the SMS opt-in checkbox on our forms, you consent to receive text messages from Big Brain Financial Coaching, LLC. The following terms apply:

Supported Carriers: Major US carriers are supported. Carriers are not liable for delayed or undelivered messages.

6. Your Financial Privacy Rights (GLBA Notice)

As required under the Gramm-Leach-Bliley Act (GLBA):

• We limit access to nonpublic personal information (NPI) to employees and vendors who need it to provide services.
• We maintain physical, electronic, and procedural safeguards to protect your financial information.
• We will notify you before sharing your information outside the permitted uses under GLBA.
• You have the right to opt out of non-essential sharing of your financial data.

7. Telemarketing Sales Rule (TSR) Compliance

• We comply with the TSR (16 CFR Part 310) and do not request or accept advance fees for credit repair services when services are sold through telemarketing calls.
• We do not make unsolicited telemarketing calls. All communications are initiated by the client or through consented channels (email, website forms, or text with written permission).
• For clients acquired through non-telemarketing channels (e.g., email, website, or text), advance fees may be charged in accordance with the Credit Repair Organizations Act (CROA) and applicable state law.
• Clients must sign a written contract before any services begin.

8. Texas Credit Services Organization (CSO) Disclosure

If you are a resident of Texas, the following disclosures apply:

• Big Brain Financial Coaching, LLC is registered as a Credit Services Organization (CSO) in the State of Texas.
• You may cancel your contract within three (3) business days of signing with no penalty.
• We maintain the required surety bond with the Texas Secretary of State.
• Questions about your rights under Texas law can be directed to:

9. State-Specific Privacy Rights

Certain states provide additional rights to their residents regarding personal data. If you are a resident of one of these states, you may have the following rights, subject to verification and applicable law:

Applies to residents of: California (CCPA/CPRA), Colorado, Connecticut, Virginia, Utah, Texas (TDPSA, effective July 2024), and other states with consumer privacy laws. We will update this Privacy Policy as new state laws take effect.

10. Data Security

We implement administrative, technical, and physical safeguards to protect your personal data from unauthorized access, use, or disclosure. While no system is 100% secure, we strive to maintain industry best practices in protecting client data.

11. Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect data from children. If such data is found, we will delete it immediately.

12. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be posted on our website with an updated "Last Revised" date.

14. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us: