This Online Privacy Notice (Notice) applies to this FRESH START PLAN, LLC. online interface and any FRESH START PLAN, LLC. affiliate or subsidiary online interface that links to this Notice, (each, a Site, and, collectively, Sites). The term “FRESH START PLAN” or “we” or “us” or “our” in this Notice refers to our affiliates or subsidiaries of FRESH START PLAN, LLC. that link to this Notice. This Notice describes how our Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.
FRESH START PLAN may provide other online interfaces not covered by this Notice. If you visit or access one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.
We will use and share any information that we collect from or about you in accordance with these terms and conditions. By using the Site, you agree to the terms and conditions of this Notice.
Collecting and Using Information
Personal Information We Collect Online
Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.
How We Use Personal Information
We may use Personal Information:
Other Information We Collect Online
Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.
How We Collect and Use Other Information
We and our third-party service providers may collect and use Other Information in a variety of ways, including:
Third party widgets
We may allow certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Sites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.
FRESH START PLAN advertises online and. In order to understand how advertising performs, we may collect certain information on our Sites and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Sites, search engine referrals, browsing activities over time and across other sites following your visit to one of our Sites or apps, and responses to advertisements and promotions on the Sites and on sites and apps where we advertise.
FRESH START PLAN uses information described in this Notice to help advertise our products and services, including prescreened offers of credit, in a variety of ways. We use such information to present tailored ads, to you including:
How we tailor ads:
Relationship based advertising
In order to help make our advertising informative and useful, we may use information about your relationship with us to help determine which advertisements or offers to present to you.
Online Behavioral Advertising
We or our advertising service providers may use certain information about your activities on our Sites, such as pages visited and search key words entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising.
Advertising on third party sites and mobile apps
FRESH START PLAN contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party sites and mobile apps are not subject to FRESH START PLAN Privacy Notices. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt out policies.
Online Behavioral Advertising on third party sites and mobile apps
Some of our tailored ads are online behavioral advertising, and may be served using data collected by third party providers. Ads served on our behalf by these companies do not contain unencrypted Personal Information and we limit the use of information by companies that serve our ads. To learn more about this practice and your choices in connection with it, see the section Advertising Choices below:
You may set your choices for advertising in the following ways:
Online Behavioral Advertising
If you prefer we not use information based on online Site behavior to provide online and offline tailored content and advertising, you may opt out.
Opting out also means that the online content and advertising you receive on our non-servicing sites (i.e. before sign-in) will be untailored and will not be based on your online behavior or your relationship. Please note that if you opt out of this advertising, you may still receive untailored advertising from FRESH START PLAN. If you prefer not to receive online behavioral advertising or prefer we not deliver you marketing offers in email, postal mail or through telemarketing you may contact by telephone at (888) 332-6077 or submitting your request via email at email@example.com
In order for online behavioral advertising opt outs from our Sites and on other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser’s security settings to validate whether scripting is active or disabled.
Linking to other sites
We may provide links to third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. We do not guarantee and are not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.
Social media sites
To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party service providers to ensure information remains confidential and secure.
Protecting children’s privacy online
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).
Protecting individual health information
To the extent that we receive, maintain, or process an individual’s protected health information, FRESH START PLAN may disclose that information as authorized by and in accordance with applicable federal and/or state law.
Updates to this Privacy Notice
This Online Privacy Notice is subject to change. Please review it periodically. If we make changes to the Online Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.
Fresh Start Plan LLC (“FSP”) provides members with quality programs at discounted pricing to save members money on financial and legal products, tools and services. FSP allows members to take advantage of pre-negotiated rates provided by third parties. FSP does not directly provide products or services to members. FSP is not a financial advisor or law firm and does not provide tax, medical, legal or credit advice. FSP is not an insurance product or program. To receive benefits and services, members may be required to enroll into an additional agreement with the end service provider, such as an attorney, tax specialist or debt relief program provider. Some programs may not be available in all states.
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