Business ProfileforFinancial Freedom Group

On April 30, 2024, BBB contacted this business with questions about the offers on their website.  Despite several contacts, the business did not respond. 

 Specifically, BBB asked about: the process the business uses to ‘challenge the negative report items’; if the business was planning to add a privacy policy and/or terms and conditions; what the costs and payment schedules are; if the business has relationships with other services or is an affiliate with other businesses and if they are paid for referrals. BBB also asked for a copy of the client agreement, where the business is physically located as the address on the website is a virtual office and the names and contact information for the business’s owners. 

BBB urges consumers to be cautious when providing personal and/or financial information to unknown entities. 

The BBB Code of Advertising states: 

1. Basic Principles of the Code
1.1 The primary responsibility for truthful and non-deceptive advertising rests with the advertiser. Advertisers should be prepared to substantiate any objective claims or offers made before publication or broadcast. Upon request, they should present such substantiation promptly to the advertising medium or BBB.
1.2 Advertisements which are untrue, misleading, deceptive, fraudulent, falsely disparaging of competitors, or insincere offers to sell, shall not be used.
1.3 An advertisement as a whole may be misleading by implication, although every sentence separately considered may be literally true.
1.4 Misrepresentation may result not only from direct statements, but by omitting or obscuring a material fact.

18.  Negative Option Plans, Continuity Plans and Automatic Shipments
18.1 Any advertisement for a product or service that includes an offer to sell or provide consumers with additional goods or services under a negative option feature must include a clear and conspicuous disclosure of all material terms of the negative option feature.
18.2 Such material terms include:
18.2.1 The existence of the negative option feature;
18.2.2 The cost of the additional goods or services;
18.2.3 How consumers can cancel and avoid future shipments and charges; and
18.2.4 How consumers can return items that they do not want.
18.3 Advertisers must avoid making disclosures that are vague, unnecessarily long or which contain contradictory language.
18.4 Advertisers must not interpret the consumer’s silence, failure to take an affirmative action to reject goods or services, or failure to cancel the agreement, as consent to enroll the consumer in the negative option feature. Instead, they must ensure that the consumer affirmatively consents (either online, over the phone, or in person) to the negative option feature before enrolling the consumer in the plan.

34. Claimed Results
Claims relating to performance, energy savings, safety, efficacy or results for a product or service should be based on recent and competent testing or other objective data.