Terms of Service & Privacy Policy
Last Updated: October 28, 2026
1. Introduction
This Terms of Service & Privacy Policy (“Policy”) describes the terms governing your use of our website, services, and communications, as well as how we collect, use, disclose, and protect personal information.
By accessing or using our website or services, you acknowledge that you have read and understood this Policy and agree to be bound by these Terms and our Privacy Policy.
If you do not agree with these terms, please do not use our website or services.
For purposes of this Policy, “Company,” “We,” “Us,” and “Our” refer to:
Fresh Start Credit Clinic
107 N Clinton Street, St. Johns MI 48879
Email: [email protected]
Our services are provided in the United States.
2. Definitions
For purposes of this Policy:
“Service” means our website, online forms, communications, appointment services, and other services provided by the Company.
“Personal Data” means information that identifies, relates to, or could reasonably be associated with an individual.
“You” or “Your” means the individual accessing or using our Service.
“SMS” means text messages sent to or from a mobile telephone number.
“Marketing Messages” means promotional or advertising communications, including information about services, offers, educational content, and other promotional materials.
“Transactional or Informational Messages” means non-promotional communications relating to an existing or requested relationship with us, including appointment confirmations, appointment reminders, follow-ups, and communications related to an inquiry or request for services.
3. Eligibility
Our Service is intended for individuals who are at least eighteen (18) years old.
By using our Service, you represent and warrant that:
You are at least 18 years old;
You have the legal capacity to enter into these Terms; and
The information you provide to us is accurate and complete.
We do not knowingly collect personal information from individuals under 18. If we learn that we have collected information from an individual under 18, we will take reasonable steps to delete that information.
If you use our Service on behalf of an organization or another person, you represent that you have authority to act on their behalf.
4. Information We Collect
Depending on how you interact with our Service, we may collect information such as:
Name and contact information;
Email address;
Telephone or mobile phone number;
Information submitted through website forms;
Appointment and scheduling information;
Communications and correspondence with us;
Information necessary to respond to inquiries or requests;
Website usage and technical information; and
Information you voluntarily provide to us.
We collect information that you voluntarily submit through our website, including information provided through contact forms, appointment forms, registration forms, and other online forms.
5. How We Use Personal Information
We may use Personal Data to:
Provide, operate, and maintain our Service;
Respond to inquiries and requests;
Schedule and manage appointments;
Send appointment confirmations and reminders;
Communicate with you regarding services you have requested;
Provide customer support;
Send informational communications;
Send marketing communications when you have separately consented to receive them;
Improve our website and services;
Analyze website usage and performance;
Protect against fraud, abuse, and unauthorized activity;
Comply with applicable laws and regulations; and
Enforce our agreements and protect our legal rights.
We do not use your personal information for purposes that are materially different from those described in this Policy without providing appropriate notice or obtaining consent when required by law.
6. Cookies and Tracking Technologies
We may use cookies, pixels, web beacons, analytics technologies, and similar technologies to operate and improve our website.
These technologies may be used to:
Maintain website functionality;
Remember preferences;
Analyze website traffic and usage;
Improve website performance;
Understand how visitors interact with our website;
Measure advertising and marketing effectiveness; and
Detect and prevent security issues or fraudulent activity.
Cookies may be session-based or persistent.
You may configure your browser to reject or restrict cookies. However, disabling certain cookies may affect the functionality of portions of our website.
Where required by applicable law, we will obtain consent before using non-essential cookies or tracking technologies.
7. SMS and MMS Communications
7.1 Transactional and Informational Messages
If you provide your mobile telephone number and separately consent to receive informational or transactional text messages, we may send SMS or MMS messages relating to your interactions with us.
These messages may include:
Appointment confirmations;
Appointment reminders;
Appointment-related follow-ups;
Responses to inquiries;
Communications regarding services you have requested; and
Text messages generated in response to a voice call or other communication with us.
Message frequency varies based on your interactions and appointment activity and may be up to 12 messages per month.
Message and data rates may apply.
Your consent to receive informational or transactional messages is not a condition of purchasing goods or services.
7.2 Marketing and Promotional Messages
If you separately and affirmatively opt in to receive marketing or promotional SMS messages, we may send you marketing communications concerning our services.
Marketing messages may include:
Promotional offers;
Special offers or discounts;
Information about our services;
Educational content;
Service updates; and
Other promotional communications.
Marketing message frequency may vary.
Message and data rates may apply.
Marketing SMS consent is separate from consent to receive transactional or informational messages.
We will not send marketing SMS messages to you unless you have provided the appropriate consent where required by applicable law.
8. SMS Consent and Opt-In
When you provide your mobile telephone number through one of our webforms, you may be presented with separate consent options for different categories of SMS communications.
Where applicable:
The informational/transactional SMS consent checkbox is separate from the marketing SMS consent checkbox;
Each checkbox is optional and is not pre-selected;
You must affirmatively select the applicable checkbox to provide consent;
Consent to informational or transactional messages does not automatically constitute consent to marketing messages; and
Consent to marketing messages does not constitute consent to receive unrelated communications.
By submitting your telephone number and affirmatively selecting the applicable SMS consent option, you authorize the Company to send the types of messages described in the applicable consent disclosure.
Your consent applies only to the purposes and types of messages described at the time consent is provided.
9. SMS Opt-Out
You may opt out of SMS messages at any time.
To stop receiving SMS messages, reply STOP to any message from us.
After receiving an opt-out request, we may send one final confirmation message stating that you have been unsubscribed. After that, you will no longer receive SMS messages from us unless you subsequently provide consent to receive them again.
Please note that opting out of marketing messages may not necessarily prevent necessary transactional or service-related communications where permitted by applicable law.
You may also contact us directly at:
to request assistance with SMS preferences.
10. SMS Help
For assistance with our SMS program, reply HELP to any message or contact us at:
Message and data rates may apply.
Carriers are not liable for delayed or undelivered messages.
11. Sharing of Mobile Information and SMS Consent Data
We respect the privacy of information associated with our SMS program.
Mobile phone numbers, SMS opt-in information, and SMS consent data will not be sold or shared with third parties for their own marketing or promotional purposes.
We may share personal information, including mobile telephone numbers and information necessary to process SMS communications, with service providers and vendors that perform services on our behalf, such as SMS delivery platforms, communications providers, technology providers, customer relationship management systems, and other vendors necessary to operate our services.
These service providers may use the information only as necessary to provide services to us and are subject to appropriate contractual, confidentiality, or data-protection obligations.
We do not sell your mobile telephone number or SMS consent information to third-party marketers.
12. Data Retention
We retain Personal Data for as long as reasonably necessary to:
Provide and maintain our Service;
Maintain business and communication records;
Process and respond to requests;
Comply with legal, regulatory, and recordkeeping obligations;
Resolve disputes;
Enforce agreements; and
Protect our legal rights and legitimate business interests.
SMS consent records may be retained for as long as reasonably necessary to document consent, demonstrate compliance, resolve disputes, and satisfy legal or regulatory requirements.
When Personal Data is no longer reasonably necessary for these purposes, we may delete, anonymize, or securely dispose of it, subject to applicable legal and business requirements.
13. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect Personal Data against unauthorized access, use, alteration, disclosure, or destruction.
Security measures may include:
Access controls;
Authentication procedures;
Secure transmission technologies;
Encryption where appropriate;
Restricted access to Personal Data;
Vendor security requirements; and
Monitoring and security procedures.
However, no method of electronic transmission, storage, or processing is completely secure. Therefore, we cannot guarantee the absolute security of your information.
14. Disclosure of Personal Information
We may disclose Personal Data when reasonably necessary to:
Provide our services;
Process appointments and inquiries;
Operate our website and technology systems;
Deliver communications;
Work with service providers and contractors;
Comply with legal obligations;
Respond to lawful requests from government authorities;
Protect our rights, property, or safety;
Prevent fraud or abuse; or
Protect the rights, safety, or security of our users or others.
We do not sell Personal Data for monetary consideration.
As stated above, mobile telephone numbers and SMS opt-in information are not sold or shared with third parties for their own marketing purposes.
15. Third-Party Service Providers
We may use third-party companies and service providers to help operate our website, communications, scheduling, analytics, customer relationship management, and other business functions.
These providers may have access to Personal Data only to perform services on our behalf and are expected to handle such information in accordance with applicable contractual and legal requirements.
Third-party providers may include website hosting providers, analytics providers, communications and SMS providers, appointment scheduling providers, and customer relationship management platforms.
16. Links to Third-Party Websites
Our Service may contain links to websites or services operated by third parties.
We are not responsible for the content, security, or privacy practices of third-party websites.
Your use of third-party websites is governed by the applicable third party's own terms and privacy policies.
We encourage you to review the privacy policies and terms of any third-party website you visit.
17. Your Privacy Rights
Depending on your location and applicable law, you may have certain rights concerning your Personal Data.
These rights may include the right to:
Request access to Personal Data we maintain about you;
Request correction of inaccurate information;
Request deletion of certain information;
Request information about how your Personal Data is used or disclosed;
Withdraw consent where processing is based on consent; and
Exercise other rights available under applicable law.
To make a privacy-related request, contact us at:
We may need to verify your identity before completing certain requests.
18. Communications Consent
Providing your contact information does not automatically mean that you consent to receive marketing communications.
Where consent is required, we obtain consent through an appropriate opt-in process.
You may withdraw consent to marketing communications at any time by following the unsubscribe or opt-out instructions provided in the applicable communication or by contacting us directly.
Withdrawal of consent does not affect the lawfulness of communications or processing that occurred before withdrawal.
19. Compliance With Applicable Laws
We intend to operate our communications and data practices in accordance with applicable federal and state laws and regulations.
Our SMS practices are designed to comply with applicable telecommunications requirements, including applicable provisions of the Telephone Consumer Protection Act (TCPA), applicable Federal Communications Commission requirements, and generally applicable messaging industry standards.
Where applicable, we maintain records of SMS consent and opt-out requests for compliance and recordkeeping purposes.
20. Terms of Service
By accessing or using our Service, you agree to use the Service only for lawful purposes and in accordance with these Terms.
You agree not to:
Use the Service for unlawful purposes;
Attempt to gain unauthorized access to our systems;
Interfere with or disrupt the operation of the Service;
Submit false or misleading information;
Abuse our communication systems;
Attempt to circumvent security measures; or
Use the Service in a manner that violates applicable laws or regulations.
We reserve the right to suspend or terminate access to the Service when we reasonably believe that a user has violated these Terms or applicable law.
21. Disclaimer
The information provided through our website and communications is provided for general informational purposes unless expressly stated otherwise.
Nothing on our website is intended to create a contractual relationship beyond the services expressly agreed to between you and the Company.
We do not guarantee that the Service will always be available, uninterrupted, secure, or error-free.
22. Limitation of Liability
To the maximum extent permitted by applicable law, the Company and its affiliates, officers, employees, agents, contractors, and service providers will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of, or inability to use, the Service.
Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.
23. Changes to These Terms and Privacy Policy
We may update these Terms and Privacy Policy from time to time.
When we make changes, we will update the “Last Updated” date at the top of this page.
Material changes may also be communicated through email, website notices, or other appropriate methods when required.
Your continued use of the Service after changes are posted constitutes acceptance of the updated Policy to the extent permitted by applicable law.
24. Contact Us
If you have questions about these Terms, this Privacy Policy, your Personal Data, or our SMS communications, please contact us:
Fresh Start Credit Clinic
107 N Clinton Street, St. Johns MI 48879
Email: [email protected]
For SMS assistance, you may also reply HELP to any SMS message from us.
For SMS opt-out, reply STOP.
Last Updated: October 28, 2026