S&N Debt Solutions
FACTS WHAT DOES S&N DEBT SOLUTIONS, LLC (“S&N”) DO WITH YOUR PERSONAL INFORMATION?
WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and transaction history
  • Account balances and income
  • Payment history and credit history
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason S&N chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does S&N share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes – to offer our products and services to you. Yes No
For joint marketing with other financial companies. Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences. Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness. Yes Yes
For our affiliates to market to you. Yes Yes
For non-affiliates to market to you. Yes Yes
To limit our sharing
  • Call 1-855-836-6641 – our menu will prompt you through your choice(s) or
  • Visit us on the web at www.sndebtsolutions.com

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date you sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Call 1-855-836-6641 or go to www.sndebtsolutions.com.
Who we are
Who is providing this notice? S&N is providing this privacy policy and it applies to all loans made by the company and all products and services offered in connection with such loans.
What we do
How does S&N protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with industry standards. These measures include computer safeguards and secured files and buildings.
How does S&N collect my personal information?

We collect your personal information, for example, when you:

  • Apply for debt management services
  • Give us your income information
  • Tell us where to send the money
  • Provide account information
  • Provide employment information

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing? You have the right to limit only:
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Fresh Start Holdings, LLC is an affiliate of S&N Debt Solutions, LLC.
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non-affiliates we share with can include consumer loan brokers, lenders and direct marketing companies.
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include institutions such as consumer lenders or marketers.
Other important information

FOR VERMONT RESIDENTS: We will not share information we collect about you with non-affiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization.

FOR CALIFORNIA RESIDENTS: We will not share information we collect about you with non-affiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We will limit sharing among our companies to the extent required by California law.

FOR NEVADA RESIDENTS: We are providing this notice to you pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by calling 1-855-836-6641 by emailing us at help@sndebtsolutions.com or by writing to us at S&N Debt Solutions, 85 Sam Fonzo Drive, 2nd Floor, Beverly, MA 01915. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protections, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, phone number (702) 486-3132, email BCPINFO@ag.state.nv.us.

State laws may also provide you with specific privacy protections. We will comply with applicable state laws with respect to our use of your information.