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Cookie Policy

FreshFICO uses web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, and non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with the information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure the proper functioning of our site in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personally identifiable information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Cookie Policy. More importantly, using cookies also helps us protect the security of your account. Encrypted session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans, or making loans on your behalf. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited, and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather the information that lets us tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.

This site uses the Google Maps API, the Google Places API, and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found in the Open cookie policy in the new tab. By using this site, you agree to be bound by Google’s Terms of Service which may be found at https://policies.google.com/terms.Open Google terms in a new tab
If you want to disable cookies and you’re using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on “Block Cookies” to manage your preferences. If you want to disable cookies and you’re using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Site Data, and make the selection that provides the level of tracking you prefer. If you want to disable cookies and you’re using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, and make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies. Please note that certain features of the FreshFICO website will not be available once cookies are disabled.

Effective Date of this Policy: 4/20/2023.

 

When do we collect information?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, or other details to help you with your experience.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

  1. To personalize the user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested.
  2. To improve our website in order to better serve you.
  3. To allow us to better service you in responding to your customer service requests.
  4. To administer a contest, promotion, survey, or other site feature.
  5. To quickly process your transactions.
  6. To send periodic emails, SMS, and/or phone calls regarding your order or other products and services.
How do we protect visitor information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?

We do at times use cookies for tracking purposes You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies, some features will be disabled that make your site experience more efficient and some of our services will not function properly. However, you can still place orders.

Third-party disclosure We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. Third-party links Occasionally, at our discretion, we may include or offer third-party products or services on our website, and e-mail campaigns. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. We have now enabled Google AdSense on our site. COPPA (Children Online Privacy Protection Act).

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under 13. Fair Information Practices.

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via email.

  1. Within 7 business days, we will notify the users via in-site notification.
  2. Within 7 business days, we also agree to the Individual Redress Principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law.

This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act:

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your email address in order to:

  1. Send information, respond to inquiries, and/or other requests or questions.
  2. Process orders and send information and updates pertaining to orders.
  3. We may also send you additional information related to your product and/or service.
  4. Part of that additional information and products may come from our sponsors and or advertisers.
  5. Market to our mailing list or continue to send emails to our clients after the original transaction has occurred from us and our sponsors To be in accordance with CANSPAM we agree to the following:
  1. NOT use false or misleading subjects or email addresses.
  2. Identify the message as an advertisement in some reasonable way.
  3. Include the physical address of our business or site headquarters.
  4. Monitor third-party email marketing services for compliance, if one is used.
  5. Honor opt-out/unsubscribe requests quickly.
  6. Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at info@freshfico.com and we will promptly remove you from ALL correspondence.

Also if at any time you would like to re-subscribe to our FreshFICO newsletter. Click Here and fill out the simple form, you will be promptly added to our newsletter and will start receiving emails the following business day.

Contact us if you have any questions regarding this privacy policy. You may contact us using the information below.

Additional Contact Information:

FreshFICO
(800) 203-8911
info@freshfico.com
freshfico.com

Customer Service Support
Weekdays 9:00 am – 5:00 pm (PST)
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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.

2023 © FreshFICO. All rights reserved.
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