Privacy Policy

Privacy Policy

SECTION 1 – WHAT DO WE DO WITH YOUR INFORMATION

When you request our services or provide your information on our site, as part of the process, we collect the personal information you give us, such as your name, address, and email address.

When you browse our site, we also automatically receive your computer’s internet protocol (IP) address to learn about your browser and operating system.

Email marketing (if applicable): With your permission, we may send you emails and SMS about our site, services, and updates.

SECTION 2 – CONSENT

How do you get my consent?

When you provide us with personal information to complete a transaction, verify your credit, use our services, submit documentation, or request assistance, you consent to our collecting and using it for that specific purpose.

If we ask for your personal information for a secondary reason, such as marketing, we will either ask you directly for your express consent or provide you with an opportunity to decline.

How do I withdraw my consent?

If you change your mind after opting in, you can withdraw your consent for us to contact you, or for the continued collection, use, or disclosure of your information, at any time, by contacting us at info@freshstartfinancialgroup.com or by mail at:

Fresh Start Financial Group
377 Hoes Ln #105, Piscataway, NJ 08854
(888) 668-2023

SECTION 3 – DISCLOSURE

We may disclose your personal information if required by law or if you violate our Terms of Service.

SECTION 4 – THIRD-PARTY SERVICES

In general, third-party providers used by us will only collect, use, and disclose your information to the extent necessary to perform the services they provide to us.

For these providers, we recommend reading their privacy policies to understand how your personal information will be handled. Providers may be located in different jurisdictions, subject to different laws.

SECTION 5 – SECURITY

We take reasonable precautions to protect your personal information and follow industry best practices to ensure it is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed.

SECTION 6 – AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you have given us consent to allow any of your minor dependents to use this site.

SECTION 7 – MISCELLANEOUS

Data Collection and Usage: Clearly outline the types of personal information collected, including financial information, credit history, and any other relevant details necessary for providing credit monitoring and advisory services. Specify the purposes for which this information will be used, such as assessing creditworthiness, developing personalized credit improvement strategies, and communicating with clients.

Security Measures: Provide detailed information about the security measures in place to protect clients’ personal and financial information. This may include encryption protocols, secure data storage practices, regular security audits, and compliance with industry standards.

Data Retention Policy: Explain how long client information will be retained and the criteria used to determine retention periods. Ensure that data retention practices comply with legal requirements and industry standards, and provide clients with options for data deletion or anonymization upon request.

Third-Party Service Providers: Clarify the role of third-party service providers in handling client information, including any subcontractors or affiliates involved in the credit monitoring and advisory process. Ensure that third-party providers adhere to strict privacy and security standards and provide assurances of compliance with relevant regulations.

Compliance with Regulations: Explicitly state the company’s commitment to compliance with all applicable laws and regulations governing credit monitoring and advisory services, including the Fair Credit Reporting Act (FCRA) and other relevant regulations.

Client Rights: Inform clients of their rights regarding their personal information, including the right to access, rectify, or delete their data, as well as the procedures for exercising these rights. Provide clear instructions for contacting the company to exercise these rights and designate a dedicated privacy contact person or department.

Policy Updates: Specify how clients will be notified of updates or changes to the privacy policy, including the method of notification and the effective date of the revised policy. Encourage clients to review the privacy policy periodically to stay informed about their rights and obligations.

SECTION 8 – CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time. Changes will take effect immediately upon posting on the website. Material changes will be notified to you. If our company is acquired or merged, your information may be transferred to the new owners.