Legal Information and Disclosures
Privacy Policy
Data Collection
We collect personal information that you voluntarily provide when you submit forms on our website, communicate with us, or engage our services. This may include your name, email address, phone number, state of residence, and information necessary to assess credit readiness.
If you proceed with a credit review, additional information may be collected through third-party credit monitoring services that you authorize.
We do not collect sensitive personal data unless it is required for the services requested and explicitly authorized by you.
Data Usage
Information collected is used solely to:
- Evaluate service fit and credit readiness
- Communicate with you regarding your inquiry or services
- Provide educational, analytical, and administrative support
- Improve our services and internal processes
We do not sell personal data to third parties.
Data Sharing
We may share information only in the following circumstances:
- With third-party service providers (such as credit monitoring platforms) when authorized by you
- When required by law, subpoena, or regulatory request
- To protect our legal rights, security, or operations
We do not share personal information for marketing purposes without consent.
Data Protection
We take reasonable administrative, technical, and organizational measures to protect personal information from unauthorized access, disclosure, alteration, or destruction.
While we strive to protect your data, no method of transmission over the internet or electronic storage is 100% secure. By using our services, you acknowledge and accept this risk.
Your Rights
You may request access to, correction of, or deletion of your personal information, subject to applicable laws and record-keeping requirements.
Requests can be made by contacting us using the information provided on this website.
Terms of Service
Nature of Services
We provide educational, analytical, and administrative support services related to credit readiness and institutional funding preparedness.
We do not:
Act as a lender, broker, or underwriting authority
Make funding or credit approval decisions
Guarantee results, outcomes, deletions, or score changes
All services are provided for informational and preparation purposes only.
Client Responsibilities
By engaging our services, you agree to:
- Provide accurate and complete information
- Participate consistently and respond in a timely manner
- Understand that outcomes vary based on individual circumstances
Failure to participate or provide accurate information may limit the effectiveness of services.
No Guarantees
You acknowledge that:
- Credit reporting outcomes vary
- Funding decisions are made solely by third-party institutions
- No specific results are promised or implied
- Any examples or explanations provided are for illustrative purposes only.
Limitation of Liability
To the fullest extent permitted by law, we are not liable for:
- Decisions made by lenders, creditors, or reporting agencies
- Indirect, incidental, or consequential damages
- Outcomes resulting from incomplete or inaccurate information
Our liability, if any, is limited to the amount paid for services rendered.
Service Cancellation/Pause Policy
Cancellation Policy
Clients may request cancellation of ongoing administrative support at any time by providing written notice.
Cancellation terms are as follows:
- Institutional Funding Analysis fees are non-refundable once analysis has been delivered.
- Activation fees compensate for file setup, documentation preparation, compliance processing, and administrative labor and are non-refundable once work has begun.
- Monthly administrative support fees are non-refundable for any billing cycle already processed.
Upon cancellation:
- No further documentation or submissions will occur.
- Access to client file management may be discontinued.
- Client remains responsible for any previously submitted documentation or disputes in process
Fees compensate BCG Services for time, administrative effort, and documentation preparation — not for specific credit outcomes.
Pause Policy
Brown Capital Group LLC reserves the right to temporarily pause services under the following circumstances:
- Missed or failed subscription payments
- incomplete required documentation
- Lack of client response for more than 14 days
- Failure to maintain required credit monitoring access
If services are paused:
- No additional documentation will be prepared
- No dispute submissions will be made
- No follow-up processing will occur
Services will resume once outstanding requirements or payments are resolved. Time during a pause period does not extend service timelines or entitle the Client to refunds or credits.
Extras
Disclaimer
Results vary based on individual credit profiles, reporting accuracy, and participation.
Institutional Funding Analysis is educational in nature and does not constitute a lending decision, financial advice, or guarantee of funding.
Nothing on this website should be interpreted as legal, financial, or lending advice.
Affiliate Disclosure
We may receive compensation for referrals to third-party services, including credit monitoring providers.
Enrollment in third-party credit monitoring is required to access current credit data. Clients are free to choose their own provider, as long as it fits our criteria. Please contact us to confirm your monitor of choice.
Affiliate relationships do not influence the substance or outcome of our analysis or recommendations.