Help Desk Privacy Policy

Introduction
FR Financial Services, Inc. respects user privacy on our web sites. This privacy statement is designed to provide information about the privacy and data collection practices for sites owned and operated by FR Financial Services, Inc. and its subsidiaries (the "Sites"). This Privacy Statement is applicable to the United States.

If you have questions or concerns regarding the Sites Privacy statement, you should first contact the site coordinator at support@actionfinancial.com or by postal mail to FR Financial Services, Inc., Attn: Privacy Coordinator, P.O. Box 851929, Mobile, Alabama, 36685.

Identifying Information
In general, you can visit the Site(s) without telling us who you are or providing any information about yourself. In some areas of the Site, we ask you to provide information that will enable us to support our relationship with you, such as to process an order, offer services, or follow up with you. You will find that FR Financial Services, Inc. asks for identifying information when you:

• Register on any of our web sites.
• Tell us about a suggestion or give us feedback.
• Request technical support and files or customer service.

In these instances, FR Financial Services, Inc. will ask for your name, address, zip code, e-mail address, phone number or other appropriate information needed to provide you with these services. In all instances, it will be clear to you that you are submitting this type of information. In addition, if you choose to receive a newsletter or other mailing from us, you will always be able to "unsubscribe" to these mailings as described in the Opting-Out section below.

What FR Financial Services, Inc. Will Do With Your Information
If you choose to give us personal information for any of the purposes above, this information is retained by FR Financial Services, Inc. and is used by FR Financial Services, Inc. only to support your customer relationship with us. Except for third parties acting on behalf of FR Financial Services, Inc. for some services as we discuss in the next section, FR Financial Services, Inc. will not disclose your personal information to third parties without your consent unless we believe we are obligated to provide it under law such as in response to a request from law enforcement officials. FR Financial Services, Inc. may also enhance or merge your information collected on the web site with data from other FR Financial Services, Inc. sources or third parties for purposes of marketing products or services to you.

What Others May Do With Your Information
FR Financial Services, Inc. does not share, rent, or sell any personally identifying information provided through the Site (such as your name or email address) to any outside organization for use in its marketing or solicitations without your prior approval. From time to time FR Financial Services, Inc.may use third party agents or contractors who will have access to your personal information to perform services for FR Financial Services, Inc.(such as a database management service) but only in accordance with this stated privacy policy. And FR Financial Services, Inc.requires certain safeguards in place by any vendors with access to personal data collected by Fidelity Reserves, including a written commitment to keep the information confidential and to only use the data to carry out the services for FR Financial Services, Inc. In addition, FR Financial Services, Inc.may also share aggregate information about its customers and its web site visitors to advertisers, business partners, and other third parties.

Opting Out
FR Financial Services, Inc.provides several easy means for you to tell us you do not wish to continue to receive e-mails. If you do not want to receive any information about products or services, you can simply tell us at the time you give us your personal information by checking the appropriate box. Or, at any other time you can easily opt out by going into your account and changing your preferences. You will also be able to respond to any e-mail you receive from FR Financial Services, Inc.by replying to the "unsubscribe" information included with each mailing. You can also advise us by letter to the address below at any time.

Collecting Aggregate Data and Cookies
Like many web sites, FR Financial Services, Inc.collects non-personal data about how the site is being viewed. Most non-personal data is collected via cookies or other analysis technologies. The Site includes analysis features which enable FR Financial Services, Inc.to capture aggregate data about how the site is used, such as amount of total traffic, number of page views or umber of unique visitors. This feature does not capture personal identifying information about any visitors to the Site. FR Financial Services, Inc.reviews this data and uses it only for internal purposes of assessing and for managing the Site. FR Financial Services, Inc.also uses cookies on some pages to make the user experience less cumbersome. A "cookie" is a small data file transferred by a website to your computers hard drive. Accepting the cookies used on our site does not give us access to your personal information, but we may use the cookies to identify your computer.

Childrens Privacy Protection
FR Financial Services, Inc.is aware of the heightened need to protect the privacy of children under the age of 13. The vast majority of the material on the Site is not intended for children and is not targeted to children under the age of 13. FR Financial Services, Inc.does not knowingly collect data from children and, if we learn that we have received personal data from a child, we will remove this information from our database.

Third Party Links
The Sites do provide links to other sites. Other Internet sites and services have their own privacy and data collection practices. Please note that once you click on one of these sites, you leave the FR Financial Services, Inc. Site and FR Financial Services, Inc. has no control or responsibility for the privacy policies or data collection activities at another site. We encourage you to read the privacy statements at those sites as you visit them.

Changes to this Policy
FR Financial Services, Inc. may from time to time revise its privacy policy. We will not, however, use your existing information in a manner not previously disclosed. You will be advised and have the opportunity to opt out of any new use of your information.

Contacting Us
If you have any questions about our privacy policy, the practices of the Site, or your dealings with the Site, you can write to:

FR Financial Services, Inc.
Attn: Privacy Coordinator
1210 Hillcrest Road
Mobile, Alabama 36695
First Name:
Last Name:
Email Address:
Home Phone:

"Thanks Action! I am now debt free and living life. I can sleep at night thanks to you guys. It is great not being loaded down with all those credit cards I racked up during college."
  Jennifer A.
Birmingham , AL
 
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Copyright 2008 FR Financial Service, Inc (d/b/a Action Financial)
All rights reserved.

Once you have completed this expression of interest, your information will be sent to participating debt specialists. One or more participating debt or credit specialists will contact you by telephone. If there are no debt specialists that ActionFinancial.com feels match your needs, your information may also be sent to other specialists that ActionFinancial.com feels has a product or service that may be able to assist you with your current financial situation. By submitting your expression of interest, you are consenting to receive telephone calls even if you are currently on the Do Not Call List. ActionFinancial.com does not provide debt related services, but rather is a matching service that seeks to connect consumers with companies that provide debt or credit related services. Information you may receive from participating specialists should not be used as the sole basis for your debt resolution or other decision. Debt or credit related services may or may not meet your particular needs, and may involve risk. Please seek the advice of an appropriate professional regarding your evaluation of the information. ActionFinancial.com takes no responsibility for the quality of the services you may receive. The specialists are from companies or industries that may require licensing, bonding or registration in order to lawfully do business in your state. ActionFinancial.com encourages you to check with the appropriate agency to be certain any requirements are currently being met. ActionFinancial.com does not provide tax, legal or investment advice. If a website visitor needs legal advice, legal expertise or needs to make court filings, they must seek the advice of a licensed attorney. ActionFinancial.com seeks to connect consumers with companies that provide a variety of debt or credit-related services. The claims regarding potential results above may apply to one type of service but not another. This includes, but is not necessarily limited to, claims regarding: amount of or time frames for debt reduction, reduction of fees, interest, interest rates, and amount or frequency of collector calls. The Federal Trade Commission publishes articles at www.ftc.gov that you are encouraged to read, including http://www.ftc.gov/bcp/conline/pubs/credit/kneedeep.htm. Individual program results may vary.