Last Updated: 06/12/2025

1. Introduction

Richman Elite Financial & Realty Services (“REFRS,” “we,” “our,” or “us”) is committed to protecting your personal information and ensuring your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you interact with our website, services, and digital products.

By using our website, you agree to the practices described in this policy.

2. Information We Collect

We may collect the following types of information:

A. Personal Information You Provide

* Full name
* Email address
* Phone number
* Address
* Identification documents (for notary, loan signing, or verification services)
* Tax-related information
* Financial details shared for consultation
* Business registration and entity setup details

B. Automatically Collected Information

* IP address
* Browser type
* Device information
* Pages viewed
* Cookies and tracking data

C. Third-Party Information

We may receive information from:

* Payment processors
* Real estate platforms
* Email marketing tools
* Affiliate partners

3. How We Use Your Information

REFRS uses your information to:

* Provide tax preparation and financial services
* Deliver real estate guidance and consultations
* Process business formation requests
* Assist with notary and loan signing tasks
* Send confirmations, updates, and service-related messages
* Improve website performance and user experience
* Deliver credit repair or financial literacy products
* Comply with legal, regulatory, or compliance requirements

We do *not* sell your personal information.

4. How We Share Your Information

We may share your information only with:

* Trusted service partners (payment processors, CRM, email platforms)
* Real estate brokers or lenders (only when necessary)
* Legal or government authorities (when required by law)

Every partner is required to protect your data.

5. Cookies & Tracking Technologies

Our website uses cookies to enhance your browsing experience, analyze traffic, and improve our services.

You can disable cookies in your browser at any time.

6. Data Storage & Security

We use secure servers, SSL encryption, password-protected systems, and administrative safeguards to protect your data.

However, no method of online data transmission is 100% secure.

7. Your Rights

Depending on your location, you may have the right to:

* Access your personal data
* Correct inaccurate information
* Request deletion of your data
* Opt out of marketing emails
* Restrict the processing of your data

To request any of these, contact us at:
Insert Support Email

8. Children’s Privacy

REFRS does not knowingly collect data from children under 13. If you believe a minor has provided data, please contact us immediately.

9. Links to Third-Party Websites

We may link to external websites for resources or tools. We are not responsible for the privacy practices of those sites.

10. Updates to This Policy

We may update this Privacy Policy occasionally. The “Last Updated” date will always reflect the latest revision.

11. Contact Us

For questions or concerns regarding this policy, contact us at: