This Privacy Policy (“Policy”) applies to FSM SVC users, and Fresh Start Mediation Service (“Company”) directly and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include PAYLUME.COM. The Company’s application is considered a mediation-based application. By using the Company website and/or application, you consent to the data practices described in this statement.
I. COLLECTION OF YOUR PERSONAL/SENSITIVE INFORMATION
a. We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you willingly elect to use certain products or services. These may include but are not limited to: (a) registering/ creating for a(n) user/account; (b) entering an agreement to retain/obtain FSM SVC services and products; (c) requested supporting documentation for certain hardship/medical (HIPPA)/financial claims made on information voluntarily given (d) sending email messages or any form of communications (e) any/all requested materials, contact information, offers, responses, etc., that may impede on your specific FSM SVC service or product; (f) submitting any/ all payment information including by not limited to credit card, e-checks, or other methods of payment information when ordering and purchasing FSM SVC products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have retained from us in order to provide the proper level of service needed for this FSM SVC service/ product. We also may gather additional personal or non-personal information in the future.
II. USE OF YOUR PERSONAL/SENSITIVE INFORMATION
The Company collects and uses your personal information in the following ways:
a. To operate and deliver the services you have requested
b. To provide you with information, products, or service that you inquire further from us
c. To provide you with notices/update/responses regarding your account
d. To carry out the Company’s obligations and enforce our rights arising from any contracts entered between you and FSM SVC, including for billing and collection of documented services tendered.
e. To notify you about changes to our policies and procedures or any products or services we offer or provide through our company and/or its suppliers/affiliates.
f. In any other way we may describe when you provide any information pertaining to your account
g. For any other purpose with your consent.
III. SHARING YOUR INFORMATION WITH THIRD PARTIES
The Company does not sell, rent, or lease its customer lists to third parties.
a. The Company may, from time to time, contact you on behalf of external business partners about offerings/promotions/discounts that may be of an interest to you; especially when having a representative/ representing your best interest, on your behalf, if needed. In those cases, your unique personally identifiable information including but not limited to (email, full legal name, address, last 4 or full SSN, contact mobile number, etc.) are a transferable item is requested or authorized to the specific third party in which this information entails or is considered a requirement. The Company may share data with trusted partners to help perform statistical analysis, send your email or postal mail (if requested), provide customer support, or arrange for “deliveries” of services tendered. All such third parties are prohibited from using your personal information except to provide these services to the Company and/or its Suppliers/affiliates, and they are required to maintain the confidentiality of your information.
b. The Company may disclose your personal information, without notice, if required to do so by law or in good faith belief that such action is necessary to; (a) conform to the edicts of the law or comply with legal processes served on the Company or the Site; (b) protect and defend the rights or property of the Company; and/or (c) act under exigent circumstances to protect the personal safety of the Company, or the public.
IV. OPT-OUT OF SHARING YOUR INFORMATION WITH THIRD PARTIES
a. In connection with any personal information we may disclose to a third party for a business purpose, you have the right to know: i. The categories of personal information that we disclose about you for a business purpose.
b. You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information, we will refrain from disclosing your personal information, unless required/needed by a trusted third party, or you subsequently provide express authorization for the disclosure of your personal information. To opt out of the disclosure for your personal information, visit this web page or contact our Administration Team directly.
V. RIGHT TO DELETION
a. Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:
i. Delete your personal information for our records; and
ii. Direct any service providers to delete your personal information from their records.
b. Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:
i. Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, and provide a good or service requested by you, or reasonably anticipated within the context of out ongoing business relationship with you, or otherwise perform a contract between you and us;
ii. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for the activity;
iii. Debug to identify and repair errors that impair existing intended functionality;
iv. Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
v. Comply with the California Electronic Communications Privacy Act;
vi. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
vii. Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
viii. Comply with an existing legal obligation; or ix. Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
VII. OPT OUT AND UNSUBSCRIBE FROM THIRD-PARTY COMMUNICATIONS
a. We respect your privacy and confidentiality, with respect to this we extend to you the opportunity to opt out of receiving announcements of certain information. Users may opt out of receiving any or all communications from third-party partners of the Company by contacting us here:
i. Web Page:
ii. Email:
iii. Phone:
iv. FAX:
VIII. CHANGES TO THIS STATEMENT
a. The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices; or changes in law. When changes to this Policy are significant, we will inform you. You may receive a notice by sending an email to the primary email address specified in your account, by placing a prominent notice on our Fresh Start Mediation Services user account page/link, and/or by updating any privacy information. Your continued use of the Site/ Application and/or services available after such modifications will constitute your; (a) acknowledgement of modified Policy; and (b) agreement to abide and be bound by that Policy.
IX. CONTACT INFORMATION
The Company welcomes your questions, comments, or concerns regarding this Policy. If you believe the Company has not adhered to this Policy, please contact the Company at:
Fresh Start Mediation Services
a. Email Address:
b. Telephone Number:
c. FAX: i. (941)-216-0161
Effective as of 11th of September 2025
