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Consumer Education Services, Inc. (CESI), d/b/a Start Fresh Today (SFT) Privacy Policy

Importance of Your Privacy. At Consumer Education Services Inc. (CESI), doing business as Start Fresh Today (SFT), your privacy is of great importance to us. We understand that you entrust us with your private information for Credit Counseling and Debtor Education at the website www.startfreshtoday.com (the "Website"). To underscore our commitment to privacy, Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), has adopted this online Privacy Policy for the Website. Rest assured that we protect your privacy. Under no circumstances will Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), sell or share any personal information about you to or with any person or organization except (i) as authorized by you, (ii) with Agencies, (iii) with Providers to the extent you purchase access to a debtor education course, (iv) as may be required by law or court order, or (v) as otherwise set forth in this Privacy Policy. This Privacy Policy only applies to information collected through the Website and describes the standards we adhere to in handling that information including any personal information you submit through the Website.

Third party partners of Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), and other websites you may access via our Website have different privacy policies and are not subject to this Privacy Policy. These third parties may be placing and reading cookies on your browser, or using web beacons to collect information. You can adjust your own browser’s cookie permission through the various privacy settings and we recommend that you read the privacy statement of each such website to find out how they protect your personal information.

A Special Note About Children. Children are not eligible to use our service and we ask that minors (under the age of 13) do not submit any personal information to us or use the service. SFT does not collect or maintain information from those actually known to be under the age of 13, and no part of the Website is directed at or structured to attract anyone under the age of 13.

Important Categories of Information for you to Know:

  • 1. Who we are
  • 2. Information we may collect at the Website
  • 3. How your information is used
  • 4. Altering the information you submit through the Website

1. Who We Are. Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), owns and operates the Website, the purpose of which is to offer Credit Counseling and Debtor Education and to provide other services in connection with the bankruptcy process.

2. Information We Collect. There are several areas on the Website where you may be asked to enter both personal (e.g., your name, mailing address, telephone number, cellular telephone number, and/or e-mail address) and non-personal information. We DO NOT sell or share any personal information about you to or with any person or organization except (i) as authorized by you, (ii) to participating Agencies, (iii) as set forth herein, or (iv) as may be required by law or court order.

(a) Information we receive from you via Submissions. To use Consumer Education Services Inc.’s (CESI), d/b/a Start Fresh Today (SFT), services when you come to the Website you'll need to provide personal information such as your name, phone number, Social Security Number, e-mail address, income, information regarding assets and liabilities and other financial information.

If you enter your email address, name, and phone number requesting more information about Start Fresh Today, we may use your information to send you a welcome email, electronic newsletters and contact you about products, services, information, and news that may be of interest to you. In addition, if you become a registered user of this website, we may send you related information via email.

If you prefer that we do not send you email communications, you may opt out of those services at any time—that is you may direct us not to use your email address as part of our marketing efforts. If you wish to opt out of email communications, you may do so by replying to an existing email with your request to be removed from the mailing list or using the Unsubscribe link at the bottom of each email.

(b) Technical information we collect. In order for Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), to ensure that we are providing the best possible consumer experience on the Website, we collect and track certain user information. When you visit the Website, our web server sends a cookie to your computer. This cookie stores a limited amount of information about your site visit. The cookie tracks aggregate information on how our site is being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, e-mail address or phone number as you browse the Website. When you complete a Submission, we store your cookie identification in our system. This cookie allows our site to recognize you when you return. Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), may utilize the cookies that are installed on your browser when visiting the Website and/or third-party web beacons to analyze your use and activities while visiting the Website. Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), may also use anonymous information about your visits to this and other websites in order to improve its products and services and to provide advertisements about goods and services of interest to you.

Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), also utilizes web logs to track aggregate information about how our Website is being used. Web logs track anonymous user information, including the number of visitors to the Website, operating systems, internet service provider addresses (if publicly available), and browser type. Unlike cookies, web logs are maintained only on Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), servers and do not store or place anything on the user's computer. If you come to the Website from an online banner ad, an anonymous identification number may be passed to the Website. This information cannot be used to gather any personally identifiable information about you. This information will only allow us to track the overall effectiveness of our online advertising, marketing and banner advertisement campaigns.

SFT’s Website uses a third party web analytics service that may record mouse clicks, mouse movements, scrolling activity as well as any text you type in the Website. The web analytics software does not collect personally identifiable information that you do not voluntarily enter into the Website. Web analytics software does not track your browsing habits across web sites which do not use SFT’s web analytics services. SFT uses the information collected by the web analytics service to analyze your use and activities while visiting the Website. We may also use anonymous information about your visits to the Website and to other websites that subscribe to the web analytics service used by SFT in order to improve SFT’s products and services.

(c) Information from surveys. You may have the option of completing an online survey at the Website from time to time. Participation in surveys is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us in connection with any such survey.

(d) Information from the "Contact Us" section of the Website. You may contact Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), through the "Contact Us" feature or other forms throughout the Website. Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us.

(e) Information collected on other sections of the Website. Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), may, from time to time, make various resources available to you at the Website to help educate you about the bankruptcy and/or credit counseling industry. At times we may collect personal information in connection with providing such services.

3. How your information is used. We use the information you provide in your Submission or other submission of information to provide Credit Counseling and Debtor Education, to provide other services in connection with the bankruptcy process.

In addition, Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), may disclose account or other personal information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with rights or property, other Website users or anyone else that could be harmed by such activities.

4. Altering Information You Submit Through a Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), Website. You may be able to review and change personal information in an active Submission that you completed through at the Website. If you are unable to complete this online, you may contact our customer care department at info@startfreshtoday.com.

(a) Deleting your information. Federal and state regulations may require that we store completed Submissions for various periods of time. In order to comply with these regulations, we may be unable to delete information from our databases.

(b) Request to stop receiving e-mails or SMS text messages from us. Periodically, Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), may send you SMS text messages to your cellular phone to alert you to the progress of your Credit Counseling and/or Debtor Education or for reminders. If you do not wish to receive these text messages, you may opt out at any time by replying with the “STOP” command.

Security

Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), uses extensive and sophisticated secure technology to protect your data and transmissions between you and the Website. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. This technology requires an SSL-capable browser. Our database is physically separated from our web server and is protected by a physical firewall. Although Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), has taken these reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

Changes to Privacy Policy

If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will post such change at the Website, and such change will be deemed to be effective as of the date of such posting. In that case, your ability to opt out of the new policy will be determined by applicable laws.

Contact Information

Questions or comments regarding the Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT), Website or this Privacy Policy should be sent by email, telephone, or mail to:

Consumer Education Services Inc. (CESI), d/b/a Start Fresh Today (SFT)
3700 Barrett Drive
Raleigh, NC 27612
Customer Service: (800) 435-9138
E-mail: info@startfreshtoday.com

This Privacy Policy was last updated on September 30, 2015.