© 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

Terms of Service

Effective Date: October 27, 2025
Last Updated: October 27, 2025

Welcome to FreshStart Guidance ("FreshStart Guidance," "we," "us," or "our"). By accessing or using our website, forms, or related digital services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Services.

These Terms govern your use of our Services, including any features, content, or communications provided by FreshStart Guidance.

1. About FreshStart Guidance

FreshStart Guidance is a marketing and lead-generation service operated as a DBA of Vincere Marketing Solutions. We connect consumers seeking debt relief, debt consolidation, or related financial options with independent third-party providers ("Partners").

We are not a lender, financial advisor, credit-repair organization, or debt-relief company, and we do not provide financial products or services directly. Our role is limited to collecting and securely transmitting your information to Partners who may offer relevant services.

2. Eligibility

By using the Services, you confirm that:

  • You are at least 18 years of age;
  • You are a U.S. resident; and
  • You will use the Services only for lawful purposes in accordance with these Terms.

If you do not meet these requirements, please discontinue use immediately.

3. Services Overview

Our Services include:

  • Online forms or quizzes that collect information to assess your potential eligibility for partner programs;
  • Marketing communications that educate consumers about debt-relief and consolidation options; and
  • The secure transmission of your information to relevant Partners.

Submitting your information through our Services does not guarantee approval for any loan, program, or service. Eligibility, rates, and terms are determined solely by the Partner you choose to engage with.

4. No Financial, Legal, or Tax Advice

All content provided by FreshStart Guidance is for informational and educational purposes only. We do not provide professional financial, legal, or tax advice. Always consult with a licensed professional before making financial decisions.

5. Consent to Communication

By submitting your information, you expressly consent to be contacted by FreshStart Guidance and its Partners via:

  • Phone calls (including mobile or landline),
  • Text messages (SMS/MMS),
  • Email, and
  • Automated dialing systems or prerecorded messages.

This consent applies even if your phone number is listed on a federal or state Do Not Call registry. You may withdraw consent at any time by replying STOP to a text message or by contacting support@freshstartguidance.com. Standard message and data rates may apply.

6. Accuracy of Information

You agree that all information you provide to us is truthful, current, and complete to the best of your knowledge. You are responsible for maintaining the accuracy of your information. Providing false or misleading data may result in suspension or termination of access to our Services.

7. Third-Party Partners

When you submit your information, we may share it with vetted third-party Partners to facilitate contact about their products or services. Each Partner operates independently and has its own terms, conditions, and privacy policies.

FreshStart Guidance is not responsible or liable for:

  • The actions or omissions of any Partner,
  • The quality or availability of any product or service offered by a Partner, or
  • Any results arising from your engagement with a Partner.

Any agreement you enter into with a Partner is strictly between you and that entity.

8. Intellectual Property

All website content, trademarks, logos, graphics, and text are the property of FreshStart Guidance or its licensors and are protected by applicable intellectual-property laws. You may not copy, reproduce, modify, or distribute any material from our website without prior written permission.

9. Limitation of Liability

To the fullest extent permitted by law, FreshStart Guidance, its affiliates, employees, and agents will not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

  • Your use of or inability to use the Services;
  • Inaccurate or incomplete information provided by you; or
  • The actions, offers, or performance of any third-party Partner.

Our total liability for any claim arising from your use of the Services shall not exceed $100.

10. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Services will be uninterrupted, secure, or error-free. FreshStart Guidance makes no guarantees about eligibility, approval, or results from using the Services or working with any Partner.

11. Indemnification

You agree to indemnify, defend, and hold harmless FreshStart Guidance, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including attorney's fees) arising out of:

  • Your use or misuse of the Services;
  • Your violation of these Terms; or
  • Your violation of any applicable law or third-party rights.

12. Termination

We reserve the right to suspend or terminate your access to the Services at any time, without notice, for any reason, including suspected violations of these Terms or unlawful activity.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Dallas County, Texas, and you consent to their jurisdiction and venue.

14. Changes to These Terms

We may update these Terms periodically. The revised version will be posted on this page with a new "Effective Date." Your continued use of the Services after any updates constitutes acceptance of the revised Terms.

15. Contact Information

For questions or concerns about these Terms, contact:

FreshStart Guidance
Email: andrew@freshstartguidance.com
Website: www.freshstartguidance.com