Privacy Policy
At Beyond Financial & Legal, we prioritize the protection of your personal information. You can confidently submit your details on our website, knowing they will only be shared with agents and partners strictly for account servicing or debt collection purposes. Any data you provide is intended solely for communication with Beyond Financial & Legal. Your personal information—such as name, phone number, and other identifying information—will be shared only with authorized internal recipients and trusted partners. As a debt buyer, Beyond Financial & Legal may hold debt you owe, and we reserve the right to sell your debt, including all associated data.
Text Messaging Policy
By providing your phone number to Beyond Financial & Legal, you consent to receive text messages for account servicing, payment reminders, debt collection, and updates related to your account and services.
Message and data rates may apply depending on your carrier and plan. Your phone number will not be shared with third parties for marketing purposes without your express consent.
To stop receiving text messages, reply "STOP" to any message, or call us at 1-888-855-2186 to opt out. You may also opt back in by replying "START" or contacting us by phone.
Beyond Financial & Legal complies with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state laws governing text communications.
Refund Policy
Our goal is to build long-term, satisfied relationships with our clients and members, and we stand behind our services 100%. If you are not completely satisfied, we will by all accounts attempt to satisfy you by making any applicable adjustments up to your satisfaction at no additional charge. However, we do not offer refunds at this time. Regarding credit rehabilitation, we do not guarantee credit improvement or credit deletions, as no agency can, but we guarantee consistent credit monitoring and timely credit challenges made on your behalf. However, we have maintained thus far a 100% success rate in our client's credit improvement, therefore you can trust that we are experts in this business.
Delivery Policy
Certain services are available immediately at the point of sale, while others may take up to 30 days to fulfill. Please inquire for specifics on the timeline for your requested service.
Service Availability
Due to current global economic conditions and the availability of specialized contractors, some services listed on our website may be temporarily unavailable or subject to delays. We appreciate your patience as we adjust to these conditions and work to restore full service offerings as soon as possible..
Terms and Conditions
All service and product requests require signed consent before fulfillment.
Clients must be at least 18 years old or represented by a legal guardian.
Payment must be received before services are initiated.
Services may be forfeited if payment is late under installment plans, with a 30-day grace period before potential cancellation.
A “Client” of Beyond Financial & Legal is an individual receiving services, while a “Member” is a company promoted by Beyond Financial & Legal and also receiving services.
Debt Management Disclosure
Beyond Financial & Legal offers financial products and services through its parent company, Beyond an Act of Kindness Inc. These services may be provided by Beyond an Act of Kindness or third-party contractors under its supervision. Estimates are based on current market rates, which may vary depending on your enrolled creditors and specific program terms. Not all clients complete their program due to various reasons, such as their ability to save sufficient funds. Beyond Financial & Legal does not guarantee debt resolution for a specific amount, percentage, or timeframe. We do not assume your debts. Fees vary by state; please consult a tax professional to discuss the potential tax consequences of debt resolution. You may be subject to collections or lawsuits by creditors while using our services, and your account balances may increase due to fees and interest. However, Beyond Financial & Legal may make incremental payments to creditors to avoid these situations, and financial hardships are generally considered in settlement negotiations or legal proceedings. By proceeding with our services, you acknowledge your understanding of these disclosures.
Payment Authorization and Security Policy
Beyond Financial & Legal is committed to protecting your payment information. All authorized agents are permitted to process payments by phone for your convenience.
We utilize secure payment systems and encryption technology to protect your payment data during processing. Payment information is stored only as long as necessary to complete your transaction and is handled in compliance with applicable privacy and security laws.
Payments processed by Beyond Financial & Legal will appear on your bank statements as "Beyond Financial & Legal," "BAAOK," or "Beyond an Act of Kindness." If you have concerns about a payment or need to verify payment requests, please call us immediately at 1-888-855-2186.
Fraud Reporting and Protection Policy
Beyond Financial & Legal takes fraud prevention seriously and maintains a strict duty to report suspected fraudulent activity to the appropriate authorities.
If you believe your payment information or account has been compromised, or if you are contacted by another agency attempting to collect on an account you believe is owned by Beyond Financial & Legal, please notify us immediately by calling 1-888-855-2186.
We will investigate any suspected fraud promptly and will take the necessary steps to protect your account and personal information. Please note that unless you are specifically notified otherwise by our office, any account being collected is owned by Beyond Financial & Legal. If you receive suspicious calls, letters, or messages regarding your debt account, please contact us to verify the legitimacy before providing any information or making payments.
Cookie & Tracking Policy
Beyond Financial & Legal uses cookies and similar tracking technologies to improve your browsing experience, analyze site traffic, and deliver relevant information. You can adjust your browser settings to refuse cookies; however, some site features may not function properly as a result. By using our website, you consent to our use of cookies.
E-Sign Consent Policy
By signing electronically, you agree that your electronic signature is the legal equivalent of your manual signature under the federal E-SIGN Act and applicable state laws. You consent to receive disclosures, notices, and agreements electronically and to sign documents electronically as part of our services.
Credit Repair Disclaimer
Beyond Financial & Legal does not guarantee any specific credit improvement results or the removal of accurate information from your credit report. You have the right to dispute inaccurate information directly with credit bureaus without using our services. Our role is to provide support and guidance to help you challenge questionable information lawfully.
Accessibility Statement
Beyond Financial & Legal is committed to ensuring our website and services are accessible to people with disabilities. If you encounter any accessibility barriers or require assistance, please call us at 1-888-855-2186.
Data Security Policy
Beyond Financial & Legal takes reasonable measures to protect your information, including secure payment systems, data encryption, limited staff access, and regular system monitoring. We are committed to safeguarding your information against unauthorized access or misuse.
Do Not Call Policy
Beyond Financial & Legal maintains a strict Do Not Call policy. If you do not wish to receive calls from us, please let us know by calling 1-888-855-2186, and we will update our internal Do Not Call list within a reasonable time.
Complaint Resolution Policy
Beyond Financial & Legal values your trust. If you have a complaint or concern, please call us at 1-888-855-2186. We will acknowledge your concern promptly and aim to resolve it fairly and efficiently.
authenticity of the representative.