About the Company

It all began with a simple idea fueled by a deep passion to help others take control of their financial future. What began as our own journey to find financial freedom grew into a mission to educate, inspire, and equip individuals and families with the tools they need to achieve real financial freedom. With careful thought and planning, Real Financial Investments was born.

Today, RFI (Real Financial Investments), has a mission to help individuals and families achieve true financial freedom. We believe that financial success isn’t just about how much you earn — it’s about how you manage, grow, and use it to create a better future. As a small business, we pride ourselves on personal attention and dedication to every detail. Our approach is rooted in quality and integrity, ensuring that everything we do reflects our commitment to excellence.

We guide individuals step-by-step from “idea” to “income,” helping to build strong, personal goals and well-managed businesses that create long-term financial freedom.

Privacy Policy

Last Updated: January 2025

At Real Financial Investments (RFI), we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you visit our website or use our services.

1. Information We Collect

We may collect the following types of information:

  • Personal Information: Name, address, phone number, email address, and payment details.

  • Financial Information: Data you provide for consulting, payroll, credit-building, or other financial services.

  • Technical Information: IP address, browser type, operating system, and browsing behavior through cookies and analytics tools.

2. How We Use Your Information

We use your information to:

  • Provide and improve our financial and business services

  • Process transactions and communicate with you about your account

  • Respond to inquiries and offer customer support

  • Send important updates, invoices, or legally required notices

  • Maintain compliance with applicable financial and data protection laws

3. How We Protect Your Information

We use administrative, technical, and physical safeguards to protect your data from unauthorized access, misuse, or disclosure. Sensitive financial information is encrypted and securely transmitted.

4. Sharing of Information

We do not sell, trade, or rent personal information.
We may share information only with:

  • Trusted third-party partners who assist in operations (e.g., payment processors, tax software providers)

  • Legal authorities when required by law or to protect our legal rights

5. Cookies and Tracking Technologies

Our website may use cookies to enhance user experience and analyze website performance. You can disable cookies in your browser settings if you prefer.

6. Your Rights and Choices

You have the right to:

  • Request access or corrections to your personal information

  • Opt out of marketing communications at any time

  • Request deletion of your personal data (subject to legal record-keeping requirements)

7. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be reflected by the “Last Updated” date above.

8. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at: info@realfinanctialinvestments.com

Terms & Conditions

Last Updated: January 2025

Welcome to Real Financial Investments (RFI). These Terms & Conditions (“Terms”) govern your use of our website, services, and any materials or information provided by RFI. By accessing or using our website or services, you agree to these Terms in full. If you do not agree, please discontinue use immediately.

  1. Company Overview

Real Financial Investments (RFI) provides financial education, consulting, tax preparation, payroll services, business formation assistance, credit-building guidance, and related services designed to support individuals and businesses in achieving financial growth and stability.

  1. Use of Services

You agree to use our website and services only for lawful purposes and in accordance with these Terms.
You may not:

  • Use the site in any way that violates federal, state, or local laws
  • Attempt to gain unauthorized access to any systems or data
  • Reproduce, distribute, or exploit materials on the website without written permission
  1. Client Responsibilities

Clients are responsible for:

  • Providing accurate and complete information necessary for RFI to perform services
  • Reviewing and verifying the accuracy of all documentation and filings before submission
  • Maintaining confidentiality of any login credentials or account access information

RFI is not responsible for errors resulting from incomplete, inaccurate, or delayed client-provided information.

  1. Payment & Refund Policy
  • Payment for services is due upon invoice unless otherwise agreed in writing.
  • All fees are non-refundable once work has begun or documents have been submitted on your behalf.
  • In cases of billing disputes, please contact billing@realfinancialinvestments.com within 10 business days of receiving your invoice.
  1. Financial & Tax Services Disclaimer

All financial and tax services are provided for educational and consulting purposes.
RFI does not guarantee specific financial outcomes, credit score improvements, or tax refund amounts. Each client’s financial situation is unique, and results vary accordingly.

You acknowledge that you are responsible for your own financial decisions, and RFI shall not be liable for outcomes based on advice, tools, or strategies shared during consultations.

  1. Confidentiality

RFI respects client confidentiality and follows strict data protection practices as outlined in our Privacy Policy. Information shared in consultations or document preparation is kept secure and not disclosed to third parties except as required by law or with your consent.

  1. Third-Party Services

RFI may utilize or refer clients to third-party vendors (such as tax software providers, banks, or lenders). We are not responsible for the actions, performance, or privacy practices of these third parties. Clients are encouraged to review their respective policies before engaging with them.

  1. Intellectual Property

All materials on this website, including text, logos, graphics, and resources, are the intellectual property of Real Financial Investments and protected under copyright law.
You may not reproduce, distribute, or use any content for commercial purposes without express written consent.

  1. Limitation of Liability

To the fullest extent permitted by law, RFI and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising from:

  • Use or inability to use our services or website
  • Reliance on any financial advice, tools, or strategies provided
  • Errors or delays caused by client-provided information
  1. Modifications to Terms

RFI reserves the right to update or modify these Terms at any time without prior notice. The latest version will always be posted on our website with the “Last Updated” date above.

  1. Governing Law

These Terms are governed by and construed under the laws of the State in which it is governed by, without regard to conflict of law principles.

  1. Contact Information

For questions or concerns regarding these Terms, please contact us at: info@realfinancialinvestments.com

Disclaimer

Last Updated: January 2025

The information provided by Real Financial Investments (RFI) is for educational and informational purposes only and should not be considered financial, legal, or tax advice.

1. No Guarantees

RFI makes no guarantees regarding the outcome of financial decisions, credit repair, or business growth strategies. Results may vary depending on individual circumstances and financial discipline.

2. Professional Advice

All financial, business, and tax-related content is intended to support — not replace — the advice of qualified professionals. Clients are encouraged to consult a licensed financial advisor, accountant, or attorney for personalized guidance.

3. Liability

RFI is not liable for any direct or indirect damages resulting from the use of our website, tools, or services. By using our site and services, you acknowledge and accept full responsibility for your financial decisions.

4. Third-Party Links

Our website may contain links to third-party sites. RFI is not responsible for the content or practices of those external sites.

FAQ
  1. What services does Real Financial Investments offer?

RFI provides a full range of financial and business solutions including:

  • Financial planning and consulting
  • Credit-building and debt management
  • Payroll and tax services
  • Business formation and consulting
  • Real estate rental and investment assistance
  • SmartPay — our professional bill-paying and account management service

We help individuals and businesses create realistic, actionable plans to reach real financial freedom.

  1. Who can benefit from your services?

Our services are designed for individuals, families, and business owners who want to better manage money, grow their wealth, and operate more efficiently. Whether you’re just getting started or expanding your business, we tailor every plan to your goals and budget.

  1. What is SmartPay?

SmartPay is RFI’s business bill management service. We handle recurring payments, account reconciliation, and balance tracking so you can focus on growth — not paperwork. It’s an affordable alternative to hiring in-house staff for financial administration.

  1. Do you help with credit repair?

We offer credit-building and financial education services, which include reviewing your credit report, identifying improvement areas, and helping you establish healthy financial habits.
While we do not perform “credit repair” in the legal sense, we empower you with tools and knowledge to improve your credit the right way.

  1. How can RFI help my small business?

RFI supports small businesses through:

  • Strategic business consulting
  • Business formation and licensing assistance
  • Payroll and tax management
  • Custom onboarding and training solutions
    We help you lay a strong foundation for lasting growth.
  1. Do you provide personal finance coaching?

Yes! We offer Personal Finance Coaching to help individuals learn how to save, invest, manage budgets, and plan for the future. Our approach is realistic, goal-driven, and customized to your lifestyle and income.

  1. What should I bring to my first consultation?

Bring any relevant documents such as pay stubs, recent bills, tax returns, or financial goals. Don’t worry if you’re not organized — we’ll help you sort it out and build a plan that works for you.

  1. Are your services confidential?

Absolutely. RFI follows strict privacy and data protection standards. Your personal and financial information is never shared without your consent, as outlined in our Privacy Policy.

  1. How much do your services cost?

We offer several service packages to fit your needs and budget. Pricing varies depending on the level of service and project scope. During your consultation, we’ll outline all costs clearly — no hidden fees.

  1. How can I get started?

It’s easy! Simply contact us via email at info@realfinancialinvestments.com or through our website’s contact form.
We’ll schedule a free initial consultation to discuss your goals and match you with the right plan or service package.

  1. Do you work with clients in every State?

Yes. RFI offers virtual consultations and online services to clients nationwide. Many of our financial and business services can be handled completely online.