PRIVACY POLICY

Last Updated: September 16, 2026

Freshly Debt Free (“Freshly Debt Free,” “Freshly,” “we,” “us,” or “our”) respects your privacy and is committed to being transparent about how information is collected, used, disclosed, and protected when you visit FreshlyDebtFree.com (the “Website”) or use our services.

This Privacy Policy explains the types of information we may collect, why we collect it, how we may use or disclose it, and the choices that may be available to you.

By using the Website or voluntarily providing information through the Website, you acknowledge the practices described in this Privacy Policy.

1. ABOUT FRESHLY DEBT FREE

Freshly Debt Free provides educational information about debt and financial options and may help consumers connect with independent third-party companies that offer financial or debt-related products or services.

Freshly Debt Free is not necessarily the provider, lender, creditor, law firm, credit counseling organization, debt settlement company, or other financial service provider that may ultimately provide services to you.

Submitting information through Freshly Debt Free does not guarantee approval, eligibility, acceptance into a program, a particular financial outcome, or that a third-party provider will offer services to you.

2. INFORMATION WE COLLECT

Depending on how you interact with the Website, we may collect information that you voluntarily provide as well as certain information collected automatically.

Information You Provide

Information submitted through our forms may include:

First and last name;
Email address;
Telephone number;
State or general location;
Approximate amount of unsecured debt;
Types or categories of debt;
General payment status or payment history;
Homeownership status;
Information regarding your financial situation;
Your responses to qualification questions;
Communications you send to us; and
Other information you voluntarily provide.

Please do not provide sensitive information that we do not request, such as Social Security numbers, bank account passwords, complete payment card information, or online banking credentials.

Information Collected Automatically

When you use the Website, we or service providers acting on our behalf may automatically collect information such as:

IP address;
Device type;
Browser type;
Operating system;
Referring website or advertisement;
Pages visited;
Links or buttons clicked;
Date and time of visits;
Approximate geographic location derived from an IP address;
Advertising identifiers;
Cookie identifiers; and
Other website usage and analytics information.

We may use cookies, pixels, tags, analytics services, advertising technologies, and similar tools to collect this information.

3. HOW WE USE INFORMATION

We may use information we collect to:

Operate and improve FreshlyDebtFree.com;
Respond to requests and inquiries;
Evaluate information submitted through our qualification process;
Help identify financial or debt-related options that may be relevant to a consumer;
Connect consumers with independent third-party service providers where appropriate and permitted;
Facilitate communications requested or authorized by consumers;
Provide educational information;
Analyze Website traffic and user behavior;
Measure advertising and marketing performance;
Improve our advertisements, Website, qualification process, and consumer experience;
Detect fraud, abuse, security incidents, or technical problems;
Maintain business records;
Comply with applicable laws, regulations, legal processes, and governmental requests; and
Protect the rights, property, security, and integrity of Freshly Debt Free, our users, and others.

4. HOW INFORMATION MAY BE DISCLOSED

We may disclose information in the circumstances described below.

Service Providers

We may provide information to vendors and service providers that help us operate the Website and our business, including providers of website hosting, analytics, customer relationship management systems, communications technology, advertising measurement, fraud prevention, data storage, and similar services.

Financial and Debt-Related Partners

If you request information about financial or debt-related options, we may disclose information you provide to one or more independent third-party providers where permitted by law and consistent with the consent you provide.

These companies may include providers of debt resolution, debt settlement, debt management, credit counseling, lending, or other financial services that may be relevant to your request.

Third-party providers are separate businesses and maintain their own privacy practices, eligibility requirements, products, services, fees, terms, and policies.

Providing information to Freshly Debt Free does not guarantee that any particular provider will contact you or offer you a product or service.

Business Operations and Legal Requirements

We may disclose information when reasonably necessary to:

Comply with applicable law or legal process;
Respond to lawful governmental requests;
Protect our legal rights;
Investigate suspected fraud, security threats, or misuse;
Enforce our agreements or policies; or
Protect the safety of users or others.

Information may also be transferred as part of a merger, acquisition, financing, restructuring, sale of assets, or other business transaction involving Freshly Debt Free.

5. COMMUNICATIONS

If you voluntarily provide your telephone number or email address and provide the applicable consent, Freshly Debt Free and/or specifically identified third-party providers may contact you regarding your inquiry.

Depending on the consent provided and applicable law, communications may occur by telephone, text message, or email.

Consent to receive marketing communications is not a condition of purchasing any product or service where prohibited by law.

Message and data rates may apply to text messages.

You may request that marketing communications stop by following the instructions provided in the communication, replying STOP to applicable text messages, or contacting the sender directly.

Different legal requirements may apply depending on the method of communication and the company contacting you. Any consent language presented at the point where you submit your information controls with respect to the specific communications described there.

6. COOKIES AND ANALYTICS

Freshly Debt Free may use cookies and similar technologies to operate the Website, understand Website usage, remember preferences, measure advertising effectiveness, and improve our services.

We may use third-party analytics or advertising services. Those providers may collect information about your browser, device, and interactions with the Website in accordance with their own privacy policies.

You may be able to limit certain cookies through your browser settings or through privacy controls made available on the Website.

Disabling cookies may affect certain Website functionality.

7. ADVERTISING

We may advertise Freshly Debt Free through third-party platforms and may use advertising technologies to understand whether an advertisement resulted in a Website visit, form submission, or other action.

Depending on the technologies we use, advertising platforms may receive device, browser, cookie, conversion, or similar information.

We will update this Privacy Policy and implement any legally required opt-out mechanisms as our advertising and data practices develop.

8. DATA RETENTION

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, operate our business, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and maintain appropriate business records.

Retention periods may vary depending on the type of information and the reason it was collected.

9. DATA SECURITY

We use reasonable administrative, technical, and organizational measures intended to protect personal information.

However, no website, database, transmission method, or electronic storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted through the Website.

10. YOUR PRIVACY CHOICES AND RIGHTS

Depending on where you live and applicable law, you may have rights concerning your personal information, which may include rights to request access to, correction of, or deletion of certain information, or to obtain information about certain disclosures or uses.

Additional rights may apply to residents of states that have enacted comprehensive consumer privacy laws.

Freshly Debt Free will respond to valid privacy requests as required by applicable law.

To submit a privacy-related request, contact:

Email: info@freshlydebtfree.com

We may need to verify your identity before completing certain requests.

11. CALIFORNIA PRIVACY INFORMATION

California residents may have additional rights under applicable California privacy laws.

Depending on whether Freshly Debt Free is subject to particular provisions of the California Consumer Privacy Act (“CCPA”) or other California privacy laws, eligible California consumers may have rights concerning access, correction, deletion, and certain uses or disclosures of personal information.

If Freshly Debt Free becomes subject to requirements concerning the sale or sharing of personal information, we will provide legally required notices and opt-out mechanisms.

Freshly Debt Free will not discriminate against a consumer for exercising a privacy right protected by applicable law.

12. THIRD-PARTY WEBSITES AND SERVICES

The Website may contain links to or facilitate connections with independent third parties.

Freshly Debt Free does not control the privacy, security, products, services, representations, or practices of independent third parties.

We encourage consumers to review a third party's privacy policy and terms before providing information or entering into an agreement with that company.

13. CHILDREN

FreshlyDebtFree.com is intended for adults and is not directed toward children under 18.

We do not knowingly solicit personal information from children through our debt-related qualification process.

14. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in our business, technology, legal requirements, or privacy practices.

When changes are made, the “Last Updated” date at the top of this Policy will be revised.

Material changes may be communicated through additional notice when required by law.

15. CONTACT US

Questions or requests regarding this Privacy Policy may be directed to:

Freshly Debt Free
info@freshlydebtfree.com

PRIVACY POLICY

Last Updated: September 16, 2026

Freshly Debt Free (“Freshly Debt Free,” “Freshly,” “we,” “us,” or “our”) respects your privacy and is committed to being transparent about how information is collected, used, disclosed, and protected when you visit FreshlyDebtFree.com (the “Website”) or use our services.

This Privacy Policy explains the types of information we may collect, why we collect it, how we may use or disclose it, and the choices that may be available to you.

By using the Website or voluntarily providing information through the Website, you acknowledge the practices described in this Privacy Policy.

1. ABOUT FRESHLY DEBT FREE

Freshly Debt Free provides educational information about debt and financial options and may help consumers connect with independent third-party companies that offer financial or debt-related products or services.

Freshly Debt Free is not necessarily the provider, lender, creditor, law firm, credit counseling organization, debt settlement company, or other financial service provider that may ultimately provide services to you.

Submitting information through Freshly Debt Free does not guarantee approval, eligibility, acceptance into a program, a particular financial outcome, or that a third-party provider will offer services to you.

2. INFORMATION WE COLLECT

Depending on how you interact with the Website, we may collect information that you voluntarily provide as well as certain information collected automatically.

Information You Provide

Information submitted through our forms may include:

First and last name;

Email address;

Telephone number;

State or general location;

Approximate amount of unsecured debt;

Types or categories of debt;

General payment status or payment history;

Homeownership status;

Information regarding your financial situation;

Your responses to qualification questions;

Communications you send to us; and

Other information you voluntarily provide.

Please do not provide sensitive information that we do not request, such as Social Security numbers, bank account passwords, complete payment card information, or online banking credentials.

Information Collected Automatically

When you use the Website, we or service providers acting on our behalf may automatically collect information such as:

IP address;

Device type;

Browser type;

Operating system;

Referring website or advertisement;

Pages visited;

Links or buttons clicked;

Date and time of visits;

Approximate geographic location derived from an IP address;

Advertising identifiers;

Cookie identifiers; and

Other website usage and analytics information.

We may use cookies, pixels, tags, analytics services, advertising technologies, and similar tools to collect this information.

3. HOW WE USE INFORMATION

We may use information we collect to:

Operate and improve FreshlyDebtFree.com;

Respond to requests and inquiries;

Evaluate information submitted through our qualification process;

Help identify financial or debt-related options that may be relevant to a consumer;

Connect consumers with independent third-party service providers where appropriate and permitted;

Facilitate communications requested or authorized by consumers;

Provide educational information;

Analyze Website traffic and user behavior;

Measure advertising and marketing performance;

Improve our advertisements, Website, qualification process, and consumer experience;

Detect fraud, abuse, security incidents, or technical problems;

Maintain business records;

Comply with applicable laws, regulations, legal processes, and governmental requests; and

Protect the rights, property, security, and integrity of Freshly Debt Free, our users, and others.

4. HOW INFORMATION MAY BE DISCLOSED

We may disclose information in the circumstances described below.

Service Providers

Financial and Debt-Related Partners

If you request information about financial or debt-related options, we may disclose information you provide to one or more independent third-party providers where permitted by law and consistent with the consent you provide.

These companies may include providers of debt resolution, debt settlement, debt management, credit counseling, lending, or other financial services that may be relevant to your request.

Third-party providers are separate businesses and maintain their own privacy practices, eligibility requirements, products, services, fees, terms, and policies.

Providing information to Freshly Debt Free does not guarantee that any particular provider will contact you or offer you a product or service.

Business Operations and Legal Requirements

We may disclose information when reasonably necessary to:

Comply with applicable law or legal process;

Respond to lawful governmental requests;

Protect our legal rights;

Investigate suspected fraud, security threats, or misuse;

Enforce our agreements or policies; or

Protect the safety of users or others.

Information may also be transferred as part of a merger, acquisition, financing, restructuring, sale of assets, or other business transaction involving Freshly Debt Free.

5. COMMUNICATIONS

If you voluntarily provide your telephone number or email address and provide the applicable consent, Freshly Debt Free and/or specifically identified third-party providers may contact you regarding your inquiry.

Depending on the consent provided and applicable law, communications may occur by telephone, text message, or email.

Consent to receive marketing communications is not a condition of purchasing any product or service where prohibited by law.

Message and data rates may apply to text messages.

You may request that marketing communications stop by following the instructions provided in the communication, replying STOP to applicable text messages, or contacting the sender directly.

Freshly Debt Free
info@freshlydebtfree.com