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Terms and Conditions

Cancellation Policy - Notice of Right to Cancel:

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

To cancel this contract, you can choose one of the three options:

  1. Deliver a signed copy during SCFM business hours 9:00 AM - 5:00 PM

  2. Email:

  3. Fax:  (302) 730-8815 

A copy of your cancellation notice, or any other written notice should be submitted before midnight on the 3rd day which begins after the date, you have signed this contract stating "I hereby cancel this transaction, (date) and (purchaser's signature).    

Upon the completion of this information, SCFM will then DEDUCT the Enrollment/Audit fee and refund the balance.

Privacy Policy:
Commitment to Your Privacy
This site is owned and operated by Second Chance Financial Mgt, LLC. Your privacy on the Internet is of the utmost importance to us. At Second Chance Financial Mgt, LLC, we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Sharing of Information
Second Chance Financial Mgt, LLC does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.

Second Chance Financial Mgt, LLC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Information Second Chance Financial Mgt. Gathers and Tracks
Second Chance Financial Mgt, LLC gathers two types of information about users:
• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
• Information Second Chance Financial Mgt, LLC gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking

Second Chance Financial Mgt, LLC tracks user traffic patterns. However, we do not correlate this information with data about individual users.  Second Chance Financial Mgt, LLC does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). Second Chance Financial Mgt, LLC sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Second Chance Financial Mgt, LLC uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Your Consent
By using this site, you consent to the collection and use of this information by Second Chance Financial Mgt, LLC. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety and Legal Process
We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.

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