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California Privacy Policy

Privacy Policy for California Residents

This PRIVACY POLICY FOR CALIFORNIA RESIDENTS supplements the information in our privacy notice and applies solely to California residents (“California Consumer” or “you”). A business that collects a California consumer’s personal information must inform consumers as to the categories of personal information to be collected and the purposes for which the categories of personal information shall be used. Any terms defined in the California Consumer Privacy Act of 2018 (“CCPA”), Cal. Civ Code § 1798.100 et. seq., have the same meaning when used in this notice.
Under CCPA, California residents have the right to know about information collected disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information a business has collected about the consumer. These rights extend only to California residents and information covered by CCPA. Because CCPA does not cover all consumer data in all situations, only certain consumer data subject to these rights.
Other laws may govern data we gather about you or you provide to us including, but not limited to:
  • Information to or from a consumer reporting agency if that information is to be reported in, or used to generate, a consumer report as defined by subdivision (d) of Section 1681a of Title 15 of the United States Code, and use of that information is limited by the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)
  • Information collected, processed, sold, or disclosed pursuant to the federal Gramm–Leach–Bliley Act (Public Law 106–102), and implementing regulations, or the California Financial Information Privacy Act (Division 1.4 (commencing with Section 4050) of the Financial Code). PLEASE NOTE: Any personal data collected in relation to a mortgage loan is exempt from the consumer rights to know, delete and opt-out created under CCPA because this information is governed by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, the California Financial Information Privacy Act or other state and federal laws which exempt this data from CCPA.
Information We Collect

FreshFICO (“Company” or “we”) collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”). As described above, not all of the Personal Information collected below is subject to CCPA. All Personal Information collected pursuant to this notice that is subject to CCPA is collected for a Business Purpose and may be shared with service providers if necessary to perform a Business Purpose.

Rights under CCPA

Right to Know About Personal Information Collected, Disclosed, or Sold. California consumers have the right to request that a business disclose what personal information it collects, uses, discloses, and sells.

Right to Request Deletion of Personal Information. Under CCPA, you may have the right to request the deletion of your personal information collected or maintained by the Company.
Right to Opt-Out of the Sale of Personal Information. Under CCPA, you may have the right to opt-out of the sale of their personal information by a business. Note that as defined in CCPA, the Company does not, and will not, sell your personal information.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights. Under CCPA, you have the right not to receive discriminatory treatment by the Company for the exercise of the privacy rights conferred by the CCPA.
Instructions for Submitting a Verifiable Consumer Request to Know, Delete, or Opt-Out
For a request to be acknowledged, you must either fill out our web form or call our toll-free number at phone number (800) 203-8911. After submitting a request, we will verify your identity by matching the identifying information provided by you to the personal information already maintained by us, or, in cases where your request requires a higher degree of certainty, we may use a third-party identity verification service or ask for a photo ID or for more information. Any information you provide us that is not already in our system will be deleted after your request has been fulfilled.
Authorized Agents
You may use an authorized agent to submit a request to know or a request to delete. If you use an authorized agent to submit a request to know or a request to delete, you must provide the Company with written permission from you giving the authorized agent permission to submit the request on your behalf, and you may be required to verify the authorized agent’s identity with the Company. The Company may deny a request from an agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
Additional Information

For more information about our general privacy policy, please visit
freshfico.com/privacy-policy.

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About Us
Legal

FreshFICO is a marketing company that offers assistance to individuals burdened with consumer debt and seeking to minimize their risks and obligations promptly. It is important to note that FreshFICO does not service or manage your debt. Please be aware that all calls may be recorded or monitored for quality assurance and training purposes. This website contains links to other companies that provide financial and/or debt settlement services. Any relationship you establish with those companies is solely between you, the consumer, and the respective company. We do not guarantee the products and/or services offered by those linked companies. The links provided on this site are solely for your convenience. We do not provide debt settlement or financial services ourselves. In accordance with FTC guidelines, we disclose that we may have a financial relationship with the companies mentioned on this website. This relationship may involve financial compensation, services, or complimentary products without any action required from website visitors. If you purchase a product or service recommended by this website, it is understood that the website owner may receive some form of compensation.

Not all consumers can successfully FreshFICO programs due to various factors, including their ability to save sufficient funds. Engaging in debt resolution services may have negative consequences on your credit and could lead to legal action from creditors or collectors for unpaid balances. Consumers enrolled in debt consolidation programs who fail to adhere to the terms of their debt management plan (DMP) may lose the benefits of debt relief and revert to the terms of their original agreements with creditors. Prior to enrollment, it is crucial to thoroughly read and understand all program materials. For complete program details, please consult a debt relief specialist.

Our debt relief analysis and savings estimate are provided free of charge, do not impact your credit, and do not obligate you to enroll in or purchase any product or service.

By providing your telephone number (landline or mobile) and clicking on save, continue, or submit, you are granting us permission to contact you regarding this application. Once you become a customer, the use of your number will be governed by the Cellular Phone Contact Policy outlined below.

CELLULAR PHONE CONTACT POLICY
By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you expressly consent to receive communications from us and our affiliates and agents at that number. These communications may include prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system. This consent applies to each telephone number you provide to us, both now and in the future, and allows for such calls for non-marketing purposes. Please note that calls and messages may incur access fees from your cellular provider.

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on our own professional experience and prior achieved results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to your creditors or provide tax, bankruptcy, accounting, or legal advice or credit repair services. Our service is unavailable in all states and our fees may vary from state to state. Please get in touch with a tax professional to discuss the potential tax consequences of less-than-full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors, and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.

All members shall not discriminate – and shall make available to prospective customers notice that they do not discriminate – on the basis of race, color, religion, sex, marital status, national origin, or ancestry.

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