PRIVACY POLICY
START NEW FINANCIAL PRIVACY POLICY
Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” or “us”) understands that the control and security of your personal information is important. Start New has, accordingly, adopted this Privacy Policy (the “Policy”) to explain how Start New handles personal information, including when Start New may share personal information and when customers can limit Start New’s sharing of personal information.
Start New collects personal information from potential customers and customers (“customers”) related to the debt-settlement services Start New provides (the “Services”). Start New may collect personal information from customers through telephone conversations, Start New’s website (the “Site”), email or other electronic means, the mail, etc. This Policy governs Start New’s handing of all personal information Start New receives from customers, regardless of the way the customer conveys the personal information.
Before using the Site or utilizing the Services, you should review this Policy, in addition to the Terms and Conditions published on the Site. By using the Site or the Services, you agree to the collection, processing, use, and disclosure of your personal information as set forth in this Policy. If you do not agree with this Policy, you are not authorized to, and you may not, access or use the Site or our Services.
Start New reserves the right to revise this Policy at any time, at our discretion, and for any or no reason. Such revisions shall be effective ten (10) days from the date of posting such updated Policy to the Site. In the event Start New revises this Policy, your continued use of the Site or the Services represents your acknowledgment and agreement to the terms of the updated Policy. You should, accordingly, periodically review this Policy.
FACTS WHAT DOES START NEW DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and credit card or other debt
- Account Balances and transaction history
- Income and employment information
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Start New chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Do we share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
To limit our sharing
Call (800) 320-9083 or email [email protected]
Please note: If you are a new customer, for those types of information where you have a right to limit our sharing, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 800-655-6303 or go to www.startnewfinancial.com , or write to us at [email protected]
Who we are
Who is providing this notice? Start New Financial, LLC
What we do
How does Start New Financial protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
For more information, please contact us at [email protected] or (800) 320-9083
How does Start New Financial collect my personal information?
We collect your personal information, for example, when you
- Open an account or give us your income information
- Provide account information or provide employment information
- Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
- Sharing for affiliates' everyday business purposes--information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. We share with nonaffiliates in the categories of direct marketing companies, service providers, insurance companies and broker/dealers.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include: Financial Institutions, Lead Generators, and Marketing and Sales organizations.
Other important information
See attached page for important state-specific disclosures.
FOR CALIFORNIA RESIDENTS: In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. You may also have additional rights to limit the disclosure of your personal information under the California Consumer Protection Act (“CCPA”). Please visit our website at our Privacy Policy page for more information or to make a request. See below for your right to limit our sharing among our affiliates.
California Privacy Disclosures >>>
FOR NEVADA RESIDENTS: We are providing you this notice pursuant to state law. You may be placed on our internal "do not call" list by calling 800-655-6303. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St. - Suite 3900, Las Vegas, NV 89101; 702-486-3132 - [email protected].
FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with you with our affiliates without your consent.
FOR MONTANA RESIDENTS: In accordance with Montana law, we will not disclose your name or personal information to anyone other than your enrolled creditors or our agents, affiliates, or contractors.
Additional Rights for California Residents - Important Privacy Choices for Consumers
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.
You have additional rights under Federal law. See the form with the heading "Facts - What Does Start New Financial, LLC do with Your Personal Information".
Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
Your Choices
Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say "No," we may share personal and financial information about you with our affiliated companies.
- NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say "No," we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
- NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.
Time Sensitive Reply
You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.
Name: ______________ Account Number (if applicable):_____________
_______________________________________________________________________________________
Signature & Date
To exercise your choice do one of the following:
(1) Call this toll-free to Start New Financial: (800) 320-9083
(2) Reply electronically by contacting us through the Internet at [email protected]
(3) Print, sign and mail to: 5366 Plainfield Ave NE Suite B, Grand Rapids, MI 49525 (you may want to make a copy for your records);
OUR CREDENTIALS
Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. *Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. Our organization does not discriminate on the basis of race, color, religion sex, marital status, national origin, or ancestry.