YOUR WEALTH. OUR EXPERTISE.

Effective Date: January 1, 2026  |  Last Updated: January 1, 2026

Professional Finance Group ("PFG," "we," "us," or "our") is committed to protecting the privacy and confidentiality of our clients' personal and financial information. This Privacy Policy describes how we collect, use, share, and safeguard information in compliance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and applicable state privacy regulations.

1. Information We Collect

We collect personal information including, but not limited to: full name, Social Security Number, date of birth, residential address, employment and income information, credit history, bank account details, investment preferences, and insurance information. We collect this through direct submissions, financial applications, credit inquiries, and our secure online portal.

2. How We Use Your Information

We use collected information to process loan and mortgage applications, evaluate creditworthiness, structure investment portfolios, provide insurance recommendations, fulfill regulatory reporting obligations, detect and prevent fraud, and communicate service updates and financial advisory content.

3. Sharing of Information

We do not sell your personal information to third parties. We may share information with licensed lending institutions, insurance carriers, investment custodians, and regulatory authorities strictly as required to fulfill your requested services or comply with legal obligations. All third-party partners are bound by confidentiality agreements.

4. Data Security

We employ industry-standard encryption (AES-256), multi-factor authentication, and secure data storage practices to protect your information. Access to sensitive data is restricted to authorized personnel on a need-to-know basis. We conduct regular security audits and vulnerability assessments.

5. Your Rights

You have the right to access, correct, or request deletion of your personal information. To exercise these rights, contact us at info@professionalfinancegroup.info. We will respond within 30 days of receiving a valid request.

6. Cookies and Online Tracking

Our website uses cookies and similar technologies to enhance user experience, analyze traffic, and personalize content. You may disable cookies through your browser settings, though some features may be affected.

7. Contact

For privacy-related inquiries, contact our Data Protection Officer at info@professionalfinancegroup.info.

Effective Date: January 1, 2026  |  Last Updated: January 1, 2026

These Terms and Conditions ("Terms") govern your use of the services provided by Professional Finance Group ("PFG"). By engaging our services or accessing our website, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. Services Provided

PFG provides financial advisory, lending facilitation, insurance planning, investment guidance, digital payment solutions, home warranty referrals, and debt resolution services. All services are provided subject to applicable licensing and regulatory requirements.

2. Eligibility

Our services are available to legal residents aged 18 years or older with valid identification. Certain products may have additional eligibility requirements including minimum income thresholds, creditworthiness standards, and geographic restrictions.

3. Financial Advice Disclaimer

Information provided by PFG constitutes general financial guidance and is not a substitute for personalized legal, tax, or investment advice. Past performance of investments does not guarantee future results. All investments carry risk, including potential loss of principal.

4. Regulatory Compliance

PFG operates in compliance with federal financial regulations including those administered by FINRA, the SEC, the CFPB, and applicable state financial regulatory agencies. Clients are advised to review all disclosures provided before engaging in any financial product or service.

5. Fees and Compensation

Service fees, advisory fees, or lender compensation arrangements are fully disclosed prior to any engagement. We operate under a fiduciary standard where required by law and are committed to transparency in all compensation arrangements.

6. Limitation of Liability

PFG shall not be liable for indirect, incidental, or consequential damages arising from the use of our services. Our total liability in any matter shall not exceed the fees paid by the client for the specific service at issue during the 12 months preceding the claim.

7. Governing Law

These Terms are governed by applicable federal law and the laws of the state in which services are rendered. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association.

8. Amendments

PFG reserves the right to amend these Terms at any time. Material changes will be communicated via email or posted prominently on our website. Continued use of our services constitutes acceptance of updated Terms.

9. Contact

For questions regarding these Terms, contact us at info@professionalfinancegroup.info.