Fresh Start Business Consulting LLC ("Fresh Start," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use fsfg-business.com (the "Platform").

1. Information We Collect

Information you provide:

Contact information: name, email address, phone number
Financial information you enter: credit scores, debt balances, income (manually entered by you — we do not pull your credit)
Account preferences: language, goals, onboarding answers
Community content: posts, replies, and interactions
Payment information: processed securely by Stripe — we never see or store your full card number

Information collected automatically:

Usage data: pages visited, features used, steps completed, quiz results, XP earned
Device information: browser type, operating system, IP address
Session data: login dates, streak information, time on platform

2. How We Use Your Information

Provide and personalize the Platform: dashboards, progress tracking, coaching
Process membership payments through Stripe
Send transactional emails: login codes, payment receipts, streak reminders, progress updates (via Postmark)
Track your engagement and progress across all financial domains
Improve the Platform: analyze usage patterns to enhance features
Respond to your questions and support requests

We do NOT sell your personal information. We do NOT use your data for advertising. We do NOT share your information with data brokers.

3. How We Share Your Information

We share your information only with the following parties and only as necessary to provide our services:

Stripe — payment processing (card transactions, billing)
Postmark — email delivery (login codes, receipts, engagement emails)
Analytics — anonymized usage data to improve platform features and member experience
Amparo AI — legal database queries (your search queries — no personal financial data is sent)
Partner Services — only if you separately opt in to a partner service (monitoring, consulting) with their own contract

We may also disclose information if required by law, court order, or to protect our rights or safety.

4. Data Security

We take the security of your data seriously. Our infrastructure includes:

AES-256 encryption at rest for all stored data
TLS 1.2+ encryption for all data in transit
Encrypted database connections with SSL
Daily automated backups to encrypted cloud storage
24/7 automated security monitoring
SOC 2-aligned infrastructure controls

No system is 100% secure. While we implement industry-standard protections, we cannot guarantee absolute security of your data.

5. Your Rights and Choices

You have the right to:

Access — request a copy of the personal information we hold about you
Correct — update or correct inaccurate information through your settings page
Delete — request deletion of your account and personal data by emailing [email protected]
Opt out of emails — unsubscribe from engagement emails (transactional emails like login codes cannot be opted out)
Data portability — request your data in a machine-readable format

To exercise any of these rights, email [email protected]. We will respond within 30 days.

6. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

Right to know what personal information we collect and how we use it
Right to delete your personal information
Right to opt out of the sale of your personal information (we do not sell your data)
Right to non-discrimination for exercising your privacy rights

7. Cookies

We use essential cookies only:

Session cookies to keep you logged in
Language preference cookies to remember your EN/ES selection

We do NOT use tracking cookies, advertising cookies, or third-party analytics cookies.

8. Children's Privacy

The Platform is not intended for anyone under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

9. Data Retention

We retain your personal information for as long as your membership is active plus 12 months after cancellation. After that period, your data is deleted unless required by law to retain it longer. Payment records are retained as required for tax and accounting purposes.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email at least 30 days before the changes take effect. The "Last updated" date at the top of this page indicates when the policy was last revised.

11. Contact Us

For privacy-related questions or to exercise your rights:

Fresh Start Business Consulting LLC
Email: [email protected]
Phone: See contact page for current phone number
Website: fsfg-business.com