© 2025 FreshStart Guidance, a DBA of Vincere Marketing Solutions. All rights reserved.
FreshStart Guidance is not a lender, debt settlement company, or credit repair organization. We are a marketing and referral service that connects consumers seeking debt relief or consolidation options with independently operated, federally regulated financial partners and programs.

Checking your eligibility through FreshStart Guidance does not affect your credit score and does not obligate you to enroll or accept any offer. Loan and program terms, including Annual Percentage Rates (APRs), fees, and repayment periods, are determined solely by participating lenders or debt-relief providers and vary based on creditworthiness, income, debt obligations, and other factors. There is no guarantee of approval or specific results.

Program availability and terms may vary by state and partner. Not all applicants will qualify for all offers. Any rates or examples shown (such as “credit card APRs around 25% vs loan rates near 9%”) are for illustrative purposes only and do not represent an actual offer or guarantee of credit.

By submitting your information, you agree that FreshStart Guidance and its partners may contact you by phone, text message, or email (including by automated means) for marketing and service purposes. All calls may be recorded or monitored for quality assurance and training.

FreshStart Guidance and its partners do not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry. Testimonials reflect individual experiences and may not represent typical results.

Privacy Policy

Terms of Service

Take Control of Your Financial Future

Privacy Policy

Effective Date: [Insert Date]

FreshStart Guidance ("we," "us," "our") is a marketing and lead-generation service, a DBA of Vincere Marketing Solutions. We connect consumers seeking debt-relief or consolidation options with independently operated financial partners. We are not a lender, debt-relief company, or credit-repair organization.

1. Information We Collect

We collect information you provide (like name, email, phone, debt amount, income range, credit score range) when you complete a form or quiz, and limited technical data such as your IP address, browser, and device information.

2. How We Use It

We use this information to:

  • Match you with trusted partners who may offer debt-relief or loan options;
  • Contact you about your request (by phone, text, or email, including automated messages);
  • Improve our website and marketing; and
  • Comply with legal obligations and prevent fraud.

We may combine or de-identify data for analytics.

3. How We Share It

We share your information only as needed to provide our service:

  • With vetted partners and service providers;
  • As required by law; or
  • If our business is sold or merged.

We do not sell your information for profit, but some disclosures may be considered a "sale" or "share" under state privacy laws. You may opt out at any time by emailing andrew@freshstartguidance.com or using the "Do Not Sell or Share My Personal Information" link in our footer.

4. Cookies and Tracking

We use cookies and similar tools to improve performance and deliver ads. You can control cookies in your browser.

5. Your Choices and Rights

Depending on where you live, you may have rights to access, delete, correct, or opt out of data sharing. To exercise these rights, email andrew@freshstartguidance.com. To stop marketing texts, reply STOP; for emails, click Unsubscribe.

6. Security and Retention

We use reasonable safeguards (encryption, access limits) and keep data only as long as needed to provide our services or as required by law.

7. Children's Privacy

We do not knowingly collect information from anyone under 13.

8. Updates

We may change this Policy occasionally and post the new version here.

Contact Us

FreshStart Guidance
Email: andrew@freshstartguidance.com