These Terms govern use of joinfrn.com and its website resources, inquiry forms, appointment tools, and partner-intake pages. The website is operated by Secured Futures, LLC ("we," "us," or "our") through Financial Recovery Network (FRN). By using this website, you agree to these Terms. If you do not agree, please do not use the website.
1. Website purpose and service boundaries
FRN provides information about financial recovery, credit stabilization and optimization, education, and professional partnership pathways. Website materials are general educational information. They are not individualized legal, tax, investment, or lending advice.
Secured Futures, LLC is not a law firm. Visiting this website, downloading a guide, submitting a form, speaking with an AI assistant, or booking a call does not create an attorney-client relationship, establish representation, or enroll you in a paid service. Consult an appropriately licensed professional about your circumstances.
2. No guaranteed results
Credit scores, credit reporting changes, recovery timelines, funding approvals, rates, and other outcomes depend on individual facts and decisions by independent parties. We do not promise a particular score increase, deletion of accurate information, loan approval, or completion date. Website examples and descriptions are not guarantees.
3. Separate agreements and fees
Paid services, professional partnerships, referrals, and portal access may require a separate written agreement, eligibility review, disclosures, and consent. Any applicable scope, fees, cancellation rights, and refund terms must be provided in the relevant service agreement. Submitting a website inquiry does not authorize a charge. These Terms do not replace a signed agreement or limit any nonwaivable consumer rights.
4. Accurate information and authorized use
Provide accurate information and submit only information you are entitled to share. Attorneys and other professionals must obtain any required client authorization before sharing client information. Do not send confidential case files, Social Security numbers, full account numbers, passwords, or credit reports through general inquiry forms or AI chat.
Do not misuse the website, impersonate another person, submit unlawful or misleading material, introduce malicious code, attempt unauthorized access, or disrupt the website or its services. Protect any portal credentials and notify us if you suspect unauthorized use.
5. Resources and intellectual property
Website text, guides, designs, and other materials are owned by Secured Futures, LLC or their respective owners and are protected by applicable law. You may view the website and use downloaded resources for your personal education or internal professional reference, subject to any license stated with a resource. Do not resell, republish, or commercially redistribute our materials without permission. This does not limit uses allowed by law. Third-party names and marks belong to their owners.
6. Third-party services and referrals
Links, scheduling tools, portals, and referrals may involve independent providers. Their services, qualifications, availability, terms, and privacy practices are their responsibility. A link or referral does not guarantee their performance or approval of an application. Evaluate any provider and read its terms before engaging it. Secured Futures Funding, LLC and other legal entities remain distinct from Secured Futures, LLC.
7. Communications and AI tools
When you submit an inquiry, we may respond using the contact information you provide. Marketing calls or texts that require consent depend on a separate opt-in; use of this website is not itself that consent. For any text program you choose to join, message frequency varies, message and data rates may apply, and you may reply STOP to opt out or HELP for assistance. Consent is not a condition of purchase.
AI intake tools may assist with basic questions and routing. They can make mistakes and do not provide legal advice, make credit or lending decisions, or create a service commitment. Contact our team to confirm material information.
8. Privacy
Our Privacy Policy explains website information practices and how to contact us about privacy requests. Separate third-party policies may apply to external services.
9. Availability and responsibility
We aim to keep website information useful and current, but errors, interruptions, and outdated information can occur. General website materials are provided as available, without a guarantee of completeness or uninterrupted access. Confirm information relevant to a financial or legal decision with a qualified professional. Nothing in these Terms excludes liability or rights that cannot lawfully be excluded, or excuses fraud, intentional misconduct, or other liability that applicable law preserves.
10. Changes and questions
We may update these Terms and will post the revised date here. Updates apply prospectively to website use after they take effect, subject to any additional notice required by law. A website update does not change a separate signed service agreement. If any provision is unenforceable, the remaining provisions apply to the extent permitted by law.
This Privacy Policy explains how Secured Futures, LLC ("we," "us," or "our"), operating Financial Recovery Network (FRN), handles information through joinfrn.com and its related inquiry, resource-request, appointment, and partner-intake pages. A separate service agreement or privacy notice may apply when you enroll in a service or use a third-party portal.
1. Information we collect
We collect information you choose to provide, such as your name, email address, phone number, firm or business details, appointment information, and the contents of your inquiries. If you request partnership access, we may ask for professional information needed to verify your request.
Our website hosting and communications providers may process technical information such as IP address, browser and device information, pages visited, referring pages, timestamps, and security logs. Cookies and similar technologies may support page operation, session preferences, embedded forms, and appointment tools.
Please do not submit Social Security numbers, full account numbers, credit reports, passwords, confidential case files, or sensitive client information through general website forms, email, or an AI intake conversation. If such information is needed for an agreed service, request the appropriate secure submission method first.
2. How we use information
We use information to respond to inquiries; deliver requested resources; verify professional requests; arrange appointments; coordinate requested services and referrals; maintain business records; operate and secure our website; prevent misuse; and meet legal obligations. Where you separately choose to receive marketing communications, we may use your contact details for that purpose. Requesting a resource alone is not consent to unrelated automated marketing calls or texts.
3. When information is shared
Information may be processed by providers that support hosting, customer relationship management, forms, scheduling, communications, and technical support, including GoHighLevel/LeadConnector. We may disclose information to professional advisers, to comply with law or lawful requests, to protect rights and security, or in connection with a business transfer subject to applicable safeguards.
A referral may require sharing relevant information with the provider you ask to contact or authorize us to involve. Independent attorneys, lenders, and other providers have their own privacy practices. Mobile numbers and SMS opt-in consent collected for our messaging program are not sold or shared with third parties or affiliates for their own marketing. Providers supporting delivery of our messages may process that information for us.
4. Email, phone, text, and AI intake
We may contact you about a request using the details you provide. Marketing email includes an unsubscribe option. If you separately opt in to text messages, message frequency varies and message and data rates may apply. Reply STOP to opt out or HELP for assistance. Consent to marketing texts is not a condition of purchase.
If you choose to use an AI intake assistant, the information you share may be processed to answer basic questions and route your inquiry. AI responses can be inaccurate and are not legal, lending, or credit decisions. Ask to speak with our team for help. Any call-recording notice and consent request presented during a call applies to that call.
5. Cookies and third-party tools
You can manage cookies through your browser. Blocking cookies may affect embedded forms, scheduling, or other functions. Links and third-party tools may take you to services governed by their own privacy policies. This policy does not control those services.
6. Retention and security
Information is retained as needed for the purposes described here, business recordkeeping, legal obligations, and resolving disputes. Retention depends on the type of information and the relationship involved. We use reasonable safeguards appropriate to the information, but no website, transmission, or storage method is completely secure.
7. Your choices and requests
You may ask about information you provided, request a correction or deletion, or withdraw optional communications consent by contacting us below. Depending on applicable law, you may have additional access, portability, restriction, or opt-out rights. We may need to verify your identity and may retain records where legally required or permitted. We will handle requests under the law that applies to them. Please do not send identity documents until we provide instructions.
8. Children and location
This website is intended for adults and professional users, not children under 13. If you believe a child has provided personal information, contact us so we can review and address it. Our services are directed to the United States; information may be processed in the United States and where our service providers operate.
9. Policy updates
We may update this policy as our website or practices change. The updated date will appear above. Where required by law, we will provide additional notice or obtain consent before a material change applies.
10. Contact us
Secured Futures, LLC — Financial Recovery Network Email: [email protected] Phone: 1-877-265-5514 For privacy requests, use the subject line "FRN Privacy Request."