Start New Financial’s Privacy Policy

We fully explain all our Privacy Policy, including for California and Montana residents, so you know your rights and how we protect your personal information.

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.

What information do we collect?

When you create an account on the Site (if applicable); interact with us through the Site, through other electronic means, through the phone, or in person; use our Services; or otherwise use or visit the Site, we may collect information about you, including information that, on its own or in combination with other information, identifies you personally or that relates to non-public personal matters, like your finances. For example, we may collect your name, contact information, social security number, financial and credit history, credit card information, and other information related to the debts you may owe. We may also collect information through our Site through “cookies.” You are free to limit our ability to collect information through cookies by changing settings on your browser or by downloading an opt-out browser add-on.

If you change 2 of your browser’s settings to prevent our ability to gather information through cookies, your ability to access the Site may be limited. Please be aware that, unless you take one or more of these steps, you consent and agree to accepting cookies through the Site and to our ability to access information by way of these cookies.

How do we use personal information?

We use the personal information we collect for various purposes, including answering your questions and providing Services; to improve customer service; to contact you as needed in connection with the Services or in connection with your use of the Site; and to enhance our digital security measures. In certain instances, you may opt out of how we or third parties use the personal information we collect from you.

Reviewing Your Personal Information

You may contact us for assistance reviewing, updating, or correcting any personal information we have collected from you. We will respond within a reasonable period, or as otherwise required by law.

Safeguarding Your Personal Information

We maintain reasonable administrative, physical, and technical measures to protect the confidentiality of your personal information. No website, however, is completely secure. We cannot guarantee that your personal information will not be disclosed, misused, or lost by accident or by the unauthorized acts of others. We expressly disclaim all liability arising therefrom.

How We Share Your Information?

All financial organizations need to share customer personal information to provide the programs and services requested by the customer. Please review the section below, which contains the primary reasons we may share customers’ personal information and whether you can limit this sharing.

Reaseon for sharing personal information
For everyday business purpose (e.g., providing Services, Processing transactions, maintaning / servicing your account, responding to legal process or mandatory reporting, etc.)
For internal marketing purposes (e.g., to offer programs or services to you)
For joint marketing with other financial organizations
For affiliates' everyday business purposes (e.g., information about your creditworthiness)
For our affiliates to market to you
For non-affiliates to market to you
For purposes related to internal research/analysis (e.g., to improve our services to you and to other customers)
Do we share?
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Can you limit our sharing?
No
Yes
Yes
Yes
Yes
Yes
Yes

We will offer you the opportunity to opt out as set forth in this Policy or as otherwise required by applicable law. To opt out, you may contact us as provided in this Policy.

In relation to an ongoing or proposed business transaction (such as transferring the ownership and operation of Start New), we may sell or transfer your information to a successor or potential successor organization, including through bankruptcy. Any third party to whom we sell or transfer assets will have the right to continue to use your personal information in the manner described in this Policy and subject to any preferences you have expressed to us.

We may also share personal information if we, in good faith, believe disclosure is appropriate or required to comply with existing law, a court order, or a subpoena. We may also share your personal information with law enforcement or another third party to prevent or investigate a possible crime; to protect the security of the Site or our Services; to enforce our policies and agreements; or to protect our own rights or property or the rights, property, or safety of others.

We may retain your personal information as needed to maintain the Site and provide you with Services; to comply with legal obligations, meet applicable regulatory requirements, resolve any disputes or litigation, or as otherwise needed to enforce this policy; and to prevent fraud.

We reserve the right to disclose personal information as described in any applicable privacy notice posted on the Site, or as described in any other agreement with us.

Privacy Rights Applicable to California Residents

California residents who have an established business relationship with us may request and obtain, free of charge and on an annual basis, information about personal information we shared with other businesses for their own direct marketing use within the prior calendar year. If applicable, this information would include a list of categories of personal information shared with third parties and the names and addresses of all third parties with which we shared this information in the immediately preceding calendar year. To obtain this information, please contact us at the number and address below. Let us know you have a “California Shine the Light Privacy Request.” We will then promptly respond to you with the required information.

If you are a California resident and you are under the age of 18, you may request that we remove content or information you have posted to our Site by contacting us using the contact information below.

Privacy Rights Applicable to Montana Consumers

Notwithstanding anything in this Policy to the contrary, we will not share the personal information of Montana residents with whom we have an established business relationship with anyone other than (i) the customer’s creditors and (ii) our agents, affiliates, or contractors. Our ability to share Montana customers’ personal information with our agents, affiliates, and contractors is subject to such customers’ rights to limit our sharing of personal 4 information as set forth in this Policy. We also will not disclose the name of a Montana customer’s creditor(s) to anyone other than the customer, a company acting on behalf of the customer, a company acting on our behalf, or another creditor of the customer and then only to the extent necessary to secure the cooperation of a creditor with a debt-settlement plan.

Contact Us If you have any questions regarding this Policy or would like to exercise your choices as described in this Policy, please contact us at (800) 320-9083 or email at info@startnewfinancial.com , or send us a written statement at Start New Financial, 5366 Plainfield Ave NE, Suite B, Grand Rapids, Michigan 49525.

California Privacy Disclosures of Start New Financial

Last Updated: February 1, 2020

For more information about what we do with consumer information if you are not a resident of California, please refer to our Privacy Policy. Herein, we provide you with additional information in these California Privacy Disclosures (“CA Disclosures”) about how, within the scope of the California Consumer Privacy Act of 2018 (“CCPA”), Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) uses, discloses collects and otherwise processes the personal information of individual residents of the State of California.

The meaning provided by the CCPA is what “personal information” has here for the purposes of these CA Disclosures and does not include information that is aggregated, that is de-identified or publicly available, such that it is not capable of being associated with an individual, information relating to our contractors, employees, job applicants or other personal information, or information that is excluded from the CCPA’s scope, such as personal information covered by certain sector-specific federal privacy laws, including GLBA, HIPAA, FCRA or the Driver’s Privacy Protection Act of 1994. Please review our Privacy Policy to understand how, in connection with financial services and products, we process personal information.

Our Use and Collection of All Personal Information

In connection with our services and products, it is for various purposes that Start New Financial collects personal information. For instance, we use personal information to communicate with you, to fulfill your requests and process your transactions; to improve and optimize our services and products and to develop new services and products; to inform of our advertising and marketing activities and for other commercial, operational and business purposes.

The following categories of personal information are what we have collected during the past 12 months:

a) Geolocation data, such as precise location data generated based on your IP address or from your device;

b) Inferences generated from your use of our sites about your preferences and interests;

c) Network/Internet information, such as analytics, logs data and device information;

d) Records of services considered, purchased or obtained, and/or other such commercial information;

e) Identifiers, such as name, email address, phone number, date of birth, address, or other similar identifiers; and

f) California customer records, such as payment information and date of birth.

Start New Financial collects this information from third parties that you permit to share information with us, from your device or browser when you visit our websites, from our affiliates and business partners, and directly from you.

Our Disclosure of Personal Information

It is solely for business purposes that Start New Financial shares with third parties the personal information we collect. The categories of third parties to whom your personal information is disclosed by us for a business purpose may include: (i) our service advisors and providers; (ii) analytics providers, (iii) affiliates in our family of companies; (iv) advertising and ad networks partners; (v) social networks; and (vi) strategic and marketing partners.

We may disclose information to third parties as described in our Privacy Policy if we have received or collected your personal information in connection with a financial service or product.

We have permitted third party social media companies, advertising networks and other third party businesses to collect and disclose your personal information (including commercial information, Network/Internet information, and inferences) directly from your device or browser, as is common practice among companies that operate online, through tracking technologies or cookies when you use our apps, interact with or visit our websites or otherwise engage with us. Please see Advertising Online below to learn more.

Your Choices and Rights

Under certain circumstances, you may be able to request to exercise certain rights as a California resident, including:

  • Upon verification of your identity, the Right to Know any or all of the following information relating to your personal information we may have collected and disclosed in the past 12 months:

(i) The categories of personal information we have collected about you;

(ii) The categories of sources of the personal information;

(iii) The specific pieces of personal information we have collected about you;

(iv) The business or commercial purposes for collecting or selling the personal information;

(v) The categories of personal information we have sold and the categories of third parties to whom the information was sold; and

(vi) The categories of recipients to whom your personal information was disclosed, and the categories of this information that for a business purpose we have disclosed to third parties.

  • Now and in the future, you always retain the Right to Opt Out of Personal Information Sales to third parties. Under the CCPA you also have the right to be free of discrimination for exercising your rights.
  • Subject to certain exceptions, you have the Right to Request Deletion of personal information we have collected from you.

While we will always comply with any applicable obligations under the CCPA, please note that we may not be able to, or even have an obligation to, honor your request.

How to Submit a CCPA Request ?

Through one of the mechanisms described below, you may submit a request to exercise your California Consumer Rights. We may be required to request additional personal information from you before processing your request, as we first verify your identity. Particularly as permitted by law or where we are unable to verify your identity or locate your information in our systems, we may limit or decline your request in certain circumstances.

  • Please click the following link: Do Not Sell My Personal Information to exercise your Right to Opt Out of Personal Information Sales.
  • Please click here to exercise your Right to Request Deletion.
  • Please click here to exercise your Right to Know.
  • Please see Online Advertising section below to control or opt out of the use of your personal information by social media, analytics and advertising partners.

Advertising Online

To make more relevant to your interests the advertisements you see online, we use third party partners and we participate in interest-based advertising, as well as to provide advertising-related services such as analytics, attribution, reporting and market research. Over time, so that they may display or play ads on our Service, on other apps, services or websites you may use, and on other devices you may use, these third parties collect information about your use of our websites. The information used and collected for interest-based advertising is typically collected through tracking technologies, such as web beacons, mobile SDKs, Flash objects, cookies, embedded scripts, location-identifying technologies, and similar technology – though not always. To serve targeted ads to others and to you on such platforms, we may also use services provided by social media platforms and such third parties.

Your browser settings are allowed to be adjusted by most browsers to: (i) notify you when you receive a cookie, which lets you choose whether to accept it or not; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. The Do Not Track signals set by your browser are not currently recognized by Start New Financial. You may wish to visit the Network Advertising Initiative’s online resources, at http://www.networkadvertising.org/choices and/or the DAA’s resources at www.aboutads.info/choices to learn about interest-based advertising and how you may be able to opt-out of some interest-based advertising. Please note that you must perform these opt-outs on each device or browser you may use because online advertising that is not cookie-based may not be affected by these opt-out choices.

The Updating of these CA Disclosures

From time to time Start New Financial will update these CA Disclosures. We will promptly change the “Last Updated” date at the beginning of these CA Disclosures whenever we make changes to these CA Disclosures. We will provide reasonable notice if we make material changes to these CA Disclosures. Unless otherwise provided in the notification, all changes shall be effective from the date of publication.

Please Feel Free to Contact Us Always

Please send an email to info@startnewfinancial.com with the subject line “CCPA Inquiry” if you have any requests or questions in connection with this Notice or other privacy-related matters. You can also call us at (800) 320-9083.

Inquiries may alternatively be addressed to:

Start New Financial
5366 Plainfield Ave NE, Suite B
Grand Rapids, MI 49525

More Information About What We Collect

Start New Financial Respects Your Privacy

Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) respects the privacy of all our clients and are committed to complying with all applicable laws, including, to the extent applicable, the Fair Credit Reporting Act and the Gramm-Leach Bliley Act.

You may be able to exercise certain data rights under the California Consumer Privacy Act (CCPA) if you are a California resident, including the right to request additional information of the last 12 months relating to our collection and disclosure of your personal information (as defined in the CCPA).

Please send us an email to info@startnewfinancial.com with the subject line “CCPA Information Request” to submit such a request. Please include in your email your (a) name, (b) address, (c) phone number, and (d) the last four digits of your social security number. Or, you may prefer to submit a request by calling (800) 320-9083 between the hours of 9 a.m. and 5 p.m. Michigan time, Monday through Friday.

In certain circumstances, if we are unable to verify your request based on the information you have provided, we may require additional information. For the purpose of processing your request, we will use the personal information submitted in connection with this request.

How You Submit a Request to Delete Your Personal Information ?

Start New Financial Respects Your Privacy

Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) respects the privacy of all our clients and are committed to complying with all applicable laws, including, to the extent applicable, the Fair Credit Reporting Act and the Gramm-Leach Bliley Act.

Subject to certain exceptions, under the California Consumer Privacy Act (CCPA) you may be able to exercise certain data rights if you are a California resident, including the right to request deletion of your personal information (as defined in the CCPA) Start New Financial has collected from you. Please note, however, that while under the CCPA we will comply with any applicable obligations, we may not be able to, or may not have an obligation to, honor your request.

Please send us an email to info@startnewfinancial.com with the subject line “CCPA Deletion Request” to submit a request to delete your personal information. Please include in your email your (a) name, (b) address, (c) phone number, and (d) the last four digits of your social security number. Or, you may prefer to submit a request by calling (800) 320-9083 between the hours of 9 a.m. and 5 p.m. Michigan time, Monday through Friday.

In certain circumstances, if we are unable to verify your request based on the information you have provided, we may require additional information. For the purpose of processing your request, we will use the personal information submitted in connection with this request.

Do Not Sell My Personal Information

Start New Financial Respects Your Privacy

Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) respects the privacy of all our clients and are committed to complying with all applicable laws, including, to the extent applicable, the Fair Credit Reporting Act and the Gramm-Leach Bliley Act.

Subject to certain exceptions, under the California Consumer Privacy Act (CCPA) you may be able to exercise certain data rights if you are a California resident, including the right to opt out of the sale of your personal information (as defined in the CCPA). Please note, however, that while under the CCPA we will comply with any applicable obligations, we may not be able to, or may not have an obligation to, honor your request.

Please send us an email to info@startnewfinancial.com with the subject line “CCPA Opt-Out Request” to submit an opt-out request. Please include in your email your (a) name, (b) address, (c) phone number, and (d) the last four digits of your social security number.

Or, you may prefer to submit a request by calling (800) 320-9083 between the hours of 9 a.m. and 5 p.m. Michigan time, Monday through Friday.

In certain circumstances, if we are unable to verify your request based on the information you have provided, we may require additional information. For the purpose of processing your request, we will use the personal information submitted in connection with this request.

California Privacy Disclosures of Start New Financial

Last Updated: February 1, 2020

For more information about what we do with consumer information if you are not a resident of California, please refer to our Privacy Policy. Herein, we provide you with additional information in these California Privacy Disclosures (“CA Disclosures”) about how, within the scope of the California Consumer Privacy Act of 2018 (“CCPA”), Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) uses, discloses collects and otherwise processes the personal information of individual residents of the State of California.

The meaning provided by the CCPA is what “personal information” has here for the purposes of these CA Disclosures and does not include information that is aggregated, that is deidentified or publicly available, such that it is not capable of being associated with an individual, information relating to our contractors, employees, job applicants or other personal information, or information that is excluded from the CCPA’s scope, such as personal information covered by certain sector-specific federal privacy laws, including GLBA, HIPAA, FCRA or the Driver’s Privacy Protection Act of 1994. Please review our Privacy Policy to understand how, in connection with financial services and products, we process personal information.

Our Use and Collection of All Personal Information

In connection with our services and products, it is for various purposes that Start New Financial collects personal information. For instance, we use personal information to communicate with you, to fulfill your requests and process your transactions; to improve and optimize our services and products and to develop new services and products; to inform of our advertising and marketing activities and for other commercial, operational and business purposes.

The following categories of personal information are what we have collected during the past 12 months:

a) Geolocation data, such as precise location data generated based on your IP address or from your device;

b) Inferences generated from your use of our sites about your preferences and interests;

c) Network/Internet information, such as analytics, logs data and device information;

d) Records of services considered, purchased or obtained, and/or other such commercial information;

e) Identifiers, such as name, email address, phone number, date of birth, address, or other similar identifiers; and

f) California customer records, such as payment information and date of birth.

Start New Financial collects this information from third parties that you permit to share information with us, from your device or browser when you visit our websites, from our affiliates and business partners, and directly from you.

Our Disclosure of Personal Information

It is solely for business purposes that Start New Financial shares with third parties the personal information we collect. The categories of third parties to whom your personal information is disclosed by us for a business purpose may include: (i) our service advisors and providers; (ii) analytics providers, (iii) affiliates in our family of companies; (iv) advertising and ad networks partners; (v) social networks; and (vi) strategic and marketing partners.

We may disclose information to third parties as described in our Privacy Policy if we have received or collected your personal information in connection with a financial service or product.

We have permitted third party social media companies, advertising networks and other third party businesses to collect and disclose your personal information (including commercial information, Network/Internet information, and inferences) directly from your device or browser, as is common practice among companies that operate online, through tracking technologies or cookies when you use our apps, interact with or visit our websites or otherwise engage with us. Please see Advertising Online below to learn more.

Your Choices and Rights

Under certain circumstances, you may be able to request to exercise certain rights as a California resident, including:

  • Upon verification of your identity, the Right to Know any or all of the following information relating to your personal information we may have collected and disclosed in the past 12 months:

(i) The categories of personal information we have collected about you;

(ii) The categories of sources of the personal information;

(iii) The specific pieces of personal information we have collected about you;

(iv) The business or commercial purposes for collecting or selling the personal information;

(v) The categories of personal information we have sold and the categories of third parties to whom the information was sold; and

(vi) The categories of recipients to whom your personal information was disclosed, and the categories of this information that for a business purpose we have disclosed to third parties.

  • Now and in the future, you always retain the Right to Opt Out of Personal Information Sales to third parties. Under the CCPA you also have the right to be free of discrimination for exercising your rights.
  • Subject to certain exceptions, you have the Right to Request Deletion of personal information we have collected from you.

While we will always comply with any applicable obligations under the CCPA, please note that we may not be able to, or even have an obligation to, honor your request.

How to Submit a CCPA Request ?

Through one of the mechanisms described below, you may submit a request to exercise your California Consumer Rights. We may be required to request additional personal information from you before processing your request, as we first verify your identity. Particularly as permitted by law or where we are unable to verify your identity or locate your information in our systems, we may limit or decline your request in certain circumstances.

  • Please click the following link: Do Not Sell My Personal Information to exercise your Right to Opt Out of Personal Information Sales.
  • Please click here to exercise your Right to Request Deletion.
  • Please click here to exercise your Right to Know.
  • Please see Online Advertising section below to control or opt out of the use of your personal information by social media, analytics and advertising partners.

Advertising Online

To make more relevant to your interests the advertisements you see online, we use third party partners and we participate in interest-based advertising, as well as to provide advertising-related services such as analytics, attribution, reporting and market research. Over time, so that they may display or play ads on our Service, on other apps, services or websites you may use, and on other devices you may use, these third parties collect information about your use of our websites. The information used and collected for interest-based advertising is typically collected through tracking technologies, such as web beacons, mobile SDKs, Flash objects, cookies, embedded scripts, location-identifying technologies, and similar technology – though not always. To serve targeted ads to others and to you on such platforms, we may also use services provided by social media platforms and such third parties.

Your browser settings are allowed to be adjusted by most browsers to: (i) notify you when you receive a cookie, which lets you choose whether to accept it or not; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. The Do Not Track signals set by your browser are not currently recognized by Start New Financial. You may wish to visit the Network Advertising Initiative’s online resources, at http://www.networkadvertising.org/choices and/or the DAA’s resources at www.aboutads.info/choices to learn about interest-based advertising and how you may be able to opt-out of some interest-based advertising. Please note that you must perform these opt-outs on each device or browser you may use because online advertising that is not cookie-based may not be affected by these opt-out choices.

The Updating of these CA Disclosures

From time to time Start New Financial will update these CA Disclosures. We will promptly change the “Last Updated” date at the beginning of these CA Disclosures whenever we make changes to these CA Disclosures. We will provide reasonable notice if we make material changes to these CA Disclosures. Unless otherwise provided in the notification, all changes shall be effective from the date of publication.

Please Feel Free to Contact Us Always

Please send an email to info@startnewfinancial.com with the subject line “CCPA Inquiry” if you have any requests or questions in connection with this Notice or other privacy-related matters. You can also call us at (800) 320-9083.

Inquiries may alternatively be addressed to:

Start New Financial

5366 Plainfield Ave NE, Suite B

Grand Rapids, MI 49525

More Information About What We Collect

Start New Financial Respects Your Privacy

Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) respects the privacy of all our clients and are committed to complying with all applicable laws, including, to the extent applicable, the Fair Credit Reporting Act and the Gramm-Leach Bliley Act.

You may be able to exercise certain data rights under the California Consumer Privacy Act (CCPA) if you are a California resident, including the right to request additional information of the last 12 months relating to our collection and disclosure of your personal information (as defined in the CCPA).

Please send us an email to info@startnewfinancial.com with the subject line “CCPA Information Request” to submit such a request. Please include in your email your (a) name, (b) address, (c) phone number, and (d) the last four digits of your social security number. Or, you may prefer to submit a request by calling (800) 320-9083 between the hours of 9 a.m. and 5 p.m. Michigan time, Monday through Friday.

In certain circumstances, if we are unable to verify your request based on the information you have provided, we may require additional information. For the purpose of processing your request, we will use the personal information submitted in connection with this request.

How You Submit a Request to Delete Your Personal Information

Start New Financial Respects Your Privacy

Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) respects the privacy of all our clients and are committed to complying with all applicable laws, including, to the extent applicable, the Fair Credit Reporting Act and the Gramm-Leach Bliley Act.

Subject to certain exceptions, under the California Consumer Privacy Act (CCPA) you may be able to exercise certain data rights if you are a California resident, including the right to request deletion of your personal information (as defined in the CCPA) Start New Financial has collected from you. Please note, however, that while under the CCPA we will comply with any applicable obligations, we may not be able to, or may not have an obligation to, honor your request.

Please send us an email to info@startnewfinancial.com with the subject line “CCPA Deletion Request” to submit a request to delete your personal information. Please include in your email your (a) name, (b) address, (c) phone number, and (d) the last four digits of your social security number. Or, you may prefer to submit a request by calling (800) 320-9083 between the hours of 9 a.m. and 5 p.m. Michigan time, Monday through Friday.

In certain circumstances, if we are unable to verify your request based on the information you have provided, we may require additional information. For the purpose of processing your request, we will use the personal information submitted in connection with this request.

Do Not Sell My Personal Information

Start New Financial Respects Your Privacy

Start New Settlement, LLC d/b/a Start New Financial (“Start New,” “we,” “us” or “our”) respects the privacy of all our clients and are committed to complying with all applicable laws, including, to the extent applicable, the Fair Credit Reporting Act and the Gramm-Leach Bliley Act.

Subject to certain exceptions, under the California Consumer Privacy Act (CCPA) you may be able to exercise certain data rights if you are a California resident, including the right to opt out of the sale of your personal information (as defined in the CCPA). Please note, however, that while under the CCPA we will comply with any applicable obligations, we may not be able to, or may not have an obligation to, honor your request.

Please send us an email to info@startnewfinancial.com with the subject line “CCPA Opt-Out Request” to submit an opt-out request. Please include in your email your (a) name, (b) address, (c) phone number, and (d) the last four digits of your social security number.

Or, you may prefer to submit a request by calling (800) 320-9083 between the hours of 9 a.m. and 5 p.m. Michigan time, Monday through Friday.

In certain circumstances, if we are unable to verify your request based on the information you have provided, we may require additional information. For the purpose of processing your request, we will use the personal information submitted in connection with this request.

INDIVIDUAL RESULTS MAY VARY

Results and outcomes reported on this site relate to individual clients that abided by the terms of the Program and Program-related recommendations from Start New Financial. Results may vary depending on individual circumstances, especially for those clients who withdraw from the Program before Program completion. Please DO NOT rely on information or testimonials on this site as a promise or guarantee of similar results. Information is presented solely to demonstrate that Start New Financial and its clients have consistently achieved great success in the past. In all cases, the service agreement between you and Start New Financial will supersede any materials set forth on this website.

Clients who comply in making all their monthly Program deposits into their respective settlement accounts typically pay Start New Financial between 20% and 25% of the total amount of debt the client has enrolled into the Program, depending on the state in which the client resides. Start New Financial does not charge its clients any fees until one or more of the enrolled debts are successfully settled to the client’s full satisfaction. In the event Start New Financial settles one or more but less than all of a client’s enrolled debts, Start New Financial only charges the client a fee based on the amount of enrolled debt actually settled. Our fees are strictly performance-based.

The average client’s Program length is between 24 and 50 months, although in some cases Program lengths may extend beyond 50 months. Not all clients are able to complete Start New Financial’s Program for various reasons, including a client’s ability to save sufficient funds. Start New Financial’s Program length estimates are based on Start New Financial’s thorough analysis of the client’s complete personal financial status in conjunction with past experiences with creditors, debt collectors, and similarly-situated clients. Everyone’s circumstances are different and individualized; the characteristics of a client’s individual Program may vary from what is typical.

Start New Financial does not assume its client’s debts, makes monthly payments to creditors on client’s behalf, nor gives clients tax, bankruptcy, accounting, or legal advice. We do not provide credit repair services. Start New Financial’s services are not available in every US state. Please contact a tax professional to discuss potential tax consequences associated with settling debts for less than the full balance. Please read and understand all of Start New Financial’s Program requirements and Start New Financial’s service agreement before enrolling into one of Start New Financial’s Programs.

The use of debt settlement services likely will affect your creditworthiness adversely. Utilizing debt settlement services also may result in (a) the balances of your enrolled debts increasing due to the accrual of legal fees and interest on your accounts and (b) you being subject to collections actions or lawsuits brought on by your creditors. Start New Financial is loyal to you at all times.

*Please be advised that our estimates will vary depending on your individual program terms and on your specific enrolled creditors, as they (our estimates) are merely based on prior results. For various reasons, not every client is able to successfully complete their program with us, including due to their inability to save sufficient funds. Start New Financial does not guarantee that your debts will be resolved within a specific period of time or for a specific percentage or amount. We do not make your debt ours, provide credit repair, legal advice, bankruptcy, tax, or accounting services, nor do we make monthly payments to your creditors with our own funds that aren’t yours. Our fees may vary from state to state and we do not offer or provide our services in every *state in the United States. To discuss potential tax liabilities of less than a full balance debt resolution, please contact a tax expert. It is very important that before you enroll in one of our programs you first read and comprehend all program materials, terms and conditions. Your creditworthiness likely will be adversely affected by your use of debt settlement services; it may also result in you being sued by collectors or creditors, your enrolled accounts outstanding balances may increase due to the accrual of interest and fees, and you may be subjected to collections. Nevertheless, your entire account, including all accrued interest and fees, are resolved by the negotiated settlements we obtain on your behalf. We are highly effective in helping you settle your debts and become debt free.

*Start New Financial DOES NOT operate nor offer our services in the following states: Connecticut, Delaware, Georgia, Hawaii, Illinois, Kansas, Maine, Minnesota, North Dakota, New Hampshire, New Jersey, Ohio Oregon, Rhode Island, South Carolina, Vermont, Washington, West Virginia, and Wyoming.