Who we are

Fiscal Liberation is a leading financial counseling service provider. We help consumers get unsecured debt counseling, enroll into debt management programs, and/or provide related financial services to meet your needs. Additionally, we are a leader on helping consumers resolve their financial problems and help them on the path of freeing themselves from the bondage of debt.

Personal Information Collected

You can visit our website without revealing any personal information about yourself or telling us who you are. We do not collect personal information, such as your name, address, phone number, or email address while you browse our site. While visiting our website, you may voluntarily choose to complete our confidential, no obligation request form. In that case, several types of personal information are gathered for use in your confidential counseling session with one of our experienced Debt Advisors. Confidential information on the form includes, name, email address, phone numbers, and your overall debt amount. With this information we can determine which debt solution would be best for your specific financial situation.

IP Address

Web servers automatically identify your computer by its IP address. We will use your IP address to help diagnose problems with our server and to administer our website. Your IP address also may be used to gather broad demographic information. In order to protect our site from abuse and in our efforts to constantly increase the visibility of our site, your IP address and referring site may be logged to a file. This information is for internal use only and all such logs are deleted on a regular basis.

Cookies

We use cookies to collect, store, and sometimes track information for statistical purposes to improve the services we provide. These cookies do not enable third parties to access any of your personal identifiable information. Additionally, be aware that if you visit other websites within our site, you may be required to accept other cookies. We do not control the use of these cookies and expressly disclaim responsibility for information collected through them.

Choice/Unsolicited Contact/Opt-Out

We do not send any unsolicited information whatsoever. We will never use your personal information for any such purposes. If in the future, we decide to distribute additional information, the contact lists for such distribution will always default to an “opt-out” position. In other words, if you want information from us you will have to request it. You will never receive information from us that you did not specifically request.

Under the age of 18

Our site is not designed to attract underage persons and we are committed to complying with the Children’s Online Privacy Protection Act. You must be at least 18 years old to use our website. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parent or guardian. If you are a parent and feel that one of your children has submitted information through our site you can simply contact us via e-mail at qa@fiscalliberation.com , postal mail as listed on our contact us page, or feel free to call us and the information will immediately be deleted from our records.

Security

We and our Information Collection Partners have physical, electronic and procedural security measures in place to protect the loss, misuse, and alteration of the information under our control. These security measures include restricting access to your personally identifiable information to our employees who need to know that information to provide you with products or services, as well as a firewall to prevent unauthorized access to our systems and maintenance of web servers in a separate network isolated from the main network. Although we will exercise reasonable care in providing secure transmission of information between your computer and our servers, we cannot ensure or warrant the security of any information transmitted to us over the internet, and we accept no liability for any unintentional disclosure. We and our Information Collection Partners will protect the transmission of sensitive information, such as credit card information, through industry standard, secure socket layer encryption.

Links to Outside Websites

From time to time we may provide links to other websites. Fiscal Liberation provides external links solely for our client’s information and convenience. When readers select a link to an external website, they are leaving our website and are subject to the privacy and security policies of the owners/sponsors of the external website. Fiscal Liberation does not control or guarantee the accuracy, relevance, timeliness, or completeness of information contained on a linked website.

The views and opinions of other websites linked through Fiscal Liberation, are not necessarily those of Fiscal Liberation. We are also not responsible for transmissions users receive from linked websites.

E-mail communications

If you submitted information to us, we may send you e-mail messages informing you of our services and also services of third parties or affiliate websites that we believe may be beneficial or of interest to you. If you wish to opt out of e-mail communications from us, you may do so by sending an email to: qa@fiscalliberation.com or simply selecting unsubscribe.

Refund policy

If you have signed on to one of your Debt Management Programs and decide within the first 5 days that these services are not for you, do not be discouraged, we will refund your money. Fiscal Liberation is here to be a friend to you. Fiscal Liberation is simply here to place you in the best possible solution that will help you and your family get back on track with your finances. If we find out that our solutions will be of no benefit to you we will do what we can to get you connected with the proper advise and expertise.

Changes to this privacy policy

We reserve the right to change our privacy policy at any time. When we do so, we will post the revised privacy policy on our website with a link on our home page so you are always aware of any changes. Our Home Page will also contain a statement as to when the new privacy policy becomes effective.

ACCEPTANCE OF PRIVACY POLICY

Usage of this site binds you to the terms of this Privacy Policy. BY USING OUR WEBSITE, YOU ARE ACCEPTING THE PRACTICES SET OUT IN THIS PRIVACY POLICY. Please check the effective date at the bottom of this page to determine if the policy has been modified since you last reviewed it. Your continued use of any portion of our website following posting of the updated Privacy Policy will constitute as your approval of the changes.

Any other disputes will be resolved as follows

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Philadelphia, PA. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each party.

If it proves impossible to arrive at a mutually satisfactory solution through negotiation, we agree to submit the dispute to binding arbitration at the following location: Philadelphia, PA, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so. Fiscal Liberation may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the matters that have been discussed.

Enacted on or about the first day of: January 2009