Privacy Policy

1. Introduction

Fresh Start Financial Group LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website freshstartfinancialgroup.com and use our credit repair services.

2. Information We Collect

We collect information you provide directly to us, including:

• Personal identification information: name, email address, phone number, mailing address
• Financial information: credit reports, credit scores, account information relevant to credit repair disputes
• Identity verification documents: government-issued ID, proof of address
• Communication records: correspondence between you and our company
• Authentication data: information used to verify your identity during login

We may also automatically collect certain technical information when you visit our website, including your IP address, browser type, device information, and usage patterns.

3. How We Use Your Information

We use the information we collect to:

• Provide credit repair services, including analyzing credit reports, preparing dispute letters, and monitoring results
• Verify your identity and authenticate your account
• Communicate with you about your account, dispute progress, and service updates
• Process payments for confirmed deletions
• Comply with legal obligations, including the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and applicable state laws
• Improve our services and user experience

4. Credit Information and Third-Party Services

To provide our credit repair services, we use MyFreeScoreNow, partnered with Equifax, to access your credit information. By using our services, you authorize us to:

• Obtain your credit information from one or more nationwide credit reporting agencies through MyFreeScoreNow in accordance with the Fair Credit Reporting Act
• Access your personal credit information to confirm your identity and display your credit information and scores to you
• Use third-party software in connection with accessing and processing your credit data

Credit scores displayed are VantageScore® 3.0 scores provided by Equifax through MyFreeScoreNow. Scores are updated in accordance with standard monitoring cycles.

5. Information Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

• Credit bureaus: to submit disputes on your behalf (Equifax, Experian, TransUnion)
• Credit report providers: MyFreeScoreNow, to access your credit information with your authorization
• Service providers: third parties that help us operate our business (email delivery, payment processing, document storage), bound by confidentiality agreements
• Legal requirements: when required by law, regulation, or legal process
• With your consent: when you have given us explicit permission

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. Sensitive data such as Social Security numbers are handled securely and cleared from our systems after processing. API keys, authentication tokens, and credentials are stored in secure server-side environments and are never exposed in client-side code. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements
• Cancel your credit repair agreement within 3 business days of signing, as provided under CROA
• Dispute inaccurate information on your credit report directly with the credit bureaus at no charge
• Opt out of marketing communications at any time

8. Communication

Your phone number may be used for authentication purposes. Your identity information may be used to confirm your identity. A text message (SMS) may be sent to your mobile device if you are eligible for enrollment or authentication. We may contact you via email regarding your account, dispute progress, and service updates.

9. Cookies and Tracking

Our website uses essential cookies to maintain your session and provide our services. We do not use third-party advertising or tracking cookies.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated revision date.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Fresh Start Financial Group LLC
A Florida Limited Liability Company
Email: [email protected]