Privacy Policy

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Effective Date: April 2026
Business Name: Building Financial Dreams / Diverse Capital Group

Building Financial Dreams and Diverse Capital Group (“we,” “our,” or “us”) are committed to protecting your privacy, maintaining confidentiality, and safeguarding your personal information. Our practices are guided by our Code of Ethics, which prioritizes integrity, transparency, and client protection. 

 1. Information We Collect

We only collect information voluntarily provided by users, including:

- Full Name
- Email Address
- Phone Number
- Business and financial information (when applicable)
- Service-related or coaching-related information

We collect only what is necessary to deliver services effectively and ethically. 

  2. How We Use Information

We use your information to:

- Provide coaching, consulting, and financial services
- Communicate regarding appointments, services, and updates
- Deliver program-related information
- Maintain internal records for service delivery
- Improve client experience and operations

We do NOT use personal data for unrelated marketing or third-party resale. 

 3. Confidentiality & Ethical Commitment

All client information is handled in accordance with our Code of Ethics, including:

- Strict confidentiality of personal and financial information
- Use of information only for intended service purposes
- Respect for client privacy, boundaries, and trust

We do not disclose client information except:

- When required by law
- When there is risk of harm to the client or others
- When the client provides explicit written consent 

 4. Data Protection & Security (HTTP / SYSTEM SECURITY)

We take reasonable and appropriate steps to protect all user data.

Website & Transmission Security
- Website is secured using HTTPS encryption (SSL/TLS)
- Data transmitted through forms is encrypted in transit
- Secure hosting environment is required

System & Access Controls
- Access to sensitive data is restricted to authorized personnel only
- Use of password-protected systems and role-based permissions
- Regular review of access privileges

Data Storage & Platforms

We utilize trusted platforms, including:
- HubSpot
- RingCentral

These platforms are expected to maintain industry-standard security protocols. 

 Administrative Safeguards
- Internal policies for handling confidential information
- No downloading or sharing of sensitive data outside approved systems
- Ongoing review of data handling practices

While we take reasonable precautions, no system can guarantee complete security. By using our services, users acknowledge this risk. 

 5. SMS / TEXT MESSAGING POLICY (A2P COMPLIANCE)

By providing your phone number and opting in, you consent to receive SMS messages from:

Building Financial Dreams and/or Diverse Capital Group

These messages may include:
- Appointment reminders
- Service updates
- Program communications
- Follow-ups

Message Frequency
Varies based on engagement.

Message & Data Rates
May apply depending on carrier.
 

Opt-Out Instructions
Reply STOP at any time to unsubscribe.
You may receive a final confirmation message.

 Help Instructions
Reply HELP or contact:

- Email: coach@bfdholdings.com

6. No Third-Party Sharing (CRITICAL)

We do NOT sell, rent, trade, or share:

- Personal data
- Phone numbers
- SMS consent

with third parties or affiliates for marketing or promotional purposes.

  7. Third-Party Services

We may use third-party providers solely to deliver services. These providers are required to maintain appropriate security and confidentiality standards.

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8. User Rights

Users may:

- Request access to their data
- Request corrections
- Request deletion where applicable
- Opt out of communications

Requests can be submitted to: coach@bfdholdings.com

TERMS OF SERVICE (INCLUDING SMS)

Messaging Terms

By opting into SMS, users agree to receive messages related to services, appointments, and communications.

- Message frequency varies
- Message/data rates may apply
- Reply STOP to unsubscribe
- Reply HELP for support

Services provided are for:

- Coaching
- Education
- Financial guidance

We are NOT:
- Licensed therapists
- Legal advisors
- Investment advisors
 

We do not guarantee:

- Financial results
- Business outcomes
- Recovery outcomes