Privacy Policy

Forth, Inc. (hereinafter “Forth™” or “Forth”) is dedicated to protecting your privacy and providing you with the highest level of service. 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. This Policy explains what Forth does to keep information about you private and secure.
This Policy covers only information that you provide to Forth or that it obtains about you from companies with which you have chosen to do business. Please read this Policy carefully and contact us if you have any questions.

Personal Information We Collect

We collect the following personal information about you from the following sources:

  • Information we receive from you or any company assisting you, such as your name, address, telephone number, email address, date of birth, credit card information, income, family size, FSA PIN number or login information, student loan information, including your balances, tax returns, Social Security number, payroll stubs or other information that you provide to us over the phone or in documents or applications,
  • Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and other information that may be contained in your credit card statements or other reports relating to your debt,  and
  • Information we receive from other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.
  • File information created when you access our website that is automatically recorded by our servers, IP address, geographical location, the date and time you access and user access information. Your consent to our collection, transfer and storage of your personal information by computers or other transfer or storage devices in the United State and elsewhere.

How We Collect Your Information

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

  • send money or complete a payment;
  • provide account information or otherwise give us your contact information;
  • show your government-issued ID;
  • use our online sites (for example, to complete a transaction, manage your accounts, or provide your choices) or click on our online ads on other sites.

We also collect your personal information from a variety of sources, including without limitation, computer systems, consumer reporting agencies, third party sources such as our business clients, government agencies and other suppliers of information – which is collected in compliance with and subject to applicable law.

What We Do With Your Personal Information

By providing information to us, you are consenting to the collection, use and disclosure of such personal information in the manner described in this Privacy Policy. We may disclose your personal information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. In carrying out our services, we may disclose your information, as we see fit, and as permitted by law, to your creditors and any servicers and other entities and individuals specifically necessary to effect, administer and perform our services. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer your information in the event we transfer or sell your account or our business assets to another provider. You may not opt out of allowing us to make the above uses of your personal information. We will retain your personal information for the length of time needed to fulfill the purposes outlined in this privacy policy unless a longer retention period is required or permitted by law.

We do not sell or share your personal information to non-affiliated entities for any purpose.

Opt-Out Rights

As described above, we only use and/or share your personal information for purposes relating to the performance and marketing of our services, as permitted or required by law, and in the event we transfer or sell your account or our business assets to another provider. You may not opt out of allowing us to make the above uses of your personal information.

How We Protect Your Information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also attempt to limit personal information access to only employees, agents and representatives who need to know. Despite our best efforts, third parties may attempt to unlawfully intercept or access your transmissions to us or may persuade you to disclose information to them by posing as Forth, Inc. or by misinforming you about our services. Always use caution and good judgment when sending money and when using Internet and mobile technologies.

California Privacy Laws

We do not disclose your personal information to third parties for the third parties’ direct marketing purposes.

California “Do Not Track” Law

Forth’s website does not honor any “Do Not Track” signals that are provided by user’s browsers. However, Forth does not collect or authorize the collection by any third party of any nonpublic personally identifiable information about an individual consumer’s online activities over time and across different Web sites or online services.

Our Website uses Google Analytics, a web analytics tool provided by Google, Inc. (“Google”) that helps website owners understand how visitors engage with their website. We can view a variety of reports about how visitors interact with our Website so we can improve it. Google Analytics collects information anonymously. Google uses cookies and IP addresses, and it reports website trends without identifying individual visitors. For more information related to Google Analytics, click here: http://www.google.com/analytics/learn/privacy.html. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-On. For information about and to install Google Analytics Optout Browser Add-on, go to https://tools.google.com/dlpage/gaoptout?hl=en.

Changes To Our Privacy Policy

In the event we change this Privacy Policy, we will forward an email notification to all users that have provided us with and maintained a current email address. In addition, we will post any such changes on our website at https://setforth.com/privacy-policy so that you will always be aware of what information we collect, how we use it, and under what circumstances we disclose it.

Any Questions, Comments or Concerns about this Privacy Policy, please email info@setforth.com or call (877) 800-5577.

Privacy Policy Updated: September 20 2024.