Not a sales-first experience. Just clear, honest information about where you stand and what your next step could look like; whether that means handling it yourself or exploring outside help.
Your result helps you understand where you stand and what paths may make sense. Some people move forward on their own. Others explore additional support. The goal is clarity; so you can decide what to do next.
We don't just show you where you land. We help you understand what your next move could look like; based on your situation.
These examples are meant to illustrate how different debt situations may point toward different paths.
SouthPoint is free to use. We may receive compensation if you choose to connect with a third-party provider.
Our goal is to help you understand your situation clearly so you can decide what to do next.
Quick assessment. Estimated result. A clear next step.
Take the Free Assessment →SouthPoint Financial ("we," "us," or "our") is committed to protecting the privacy of visitors to our website. This Privacy Policy outlines the types of information we collect, how we use it, and your rights regarding your personal information. By using our platform and submitting any information through our forms, you consent to the practices described in this policy.
a. Personal Information: We may collect personal information such as your name, email address, and phone number when you voluntarily provide it through our forms or means of communication.
b. Financial Information: In the course of providing debt guidance services, we may collect information about your credit card balances, monthly budget, number of creditors, and payment status for the purpose of generating your personalized assessment result and payoff guidance.
c. Usage Data: We may automatically collect certain information about your visit to our website, including your IP address, browser type, operating system, referring URLs, and pages visited. This information helps us analyze trends, administer the website, and improve user experience.
a. Personalization: We may use your personal information to personalize your experience on our website and to provide you with educational guidance tailored to your situation.
b. Communication: We may use your contact information to respond to your inquiries, provide updates regarding your assessment results, and communicate with you about relevant options. You may opt out of receiving marketing communications at any time.
c. Debt Guidance Services: If you engage our debt guidance service, we will use the information you provide to generate your assessment result and provide you with educational information and guidance which you may use as you see fit. Where applicable, we may also connect you with vetted partners who may be able to assist with your situation.
d. Legal Compliance: We may use your information to comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
a. Third-Party Service Providers: We may share your information with trusted third-party service providers who assist us in operating our website and delivering our services. These providers are obligated to protect your information and are not permitted to use it for any other purpose.
b. Partner Introductions: If your assessment result indicates that a partner introduction may be appropriate, your information may be shared with a vetted debt relief partner. This sharing occurs only as part of the path you have agreed to. You will always be informed before any introduction is made, and you remain in control of whether you choose to engage.
c. Legal Requirements: We may disclose your information if required to do so by law, legal process, or governmental authority, or where we believe disclosure is necessary to protect the rights, property, or safety of SouthPoint Financial, our users, or the public.
We implement reasonable security measures to protect your personal information from unauthorized access, loss, misuse, or alteration. However, no method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee the absolute security of your information. By using our platform, you acknowledge and accept this inherent risk.
We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
a. Access and Correction: You have the right to access and correct your personal information held by us. You may do so by contacting us using the information provided in the Contact Us section below.
b. Data Transfers: By submitting your personal information through our platform, you consent to the processing of your personal information at any time, except where we are legally required to retain certain information.
c. Opt-Out: You may opt out of receiving marketing communications from us by following the unsubscribe instructions provided in any communication or by contacting us directly.
SouthPoint Financial is not a lender, creditor, debt settlement company, credit counselor, or law firm. We are an independent educational and referral platform. Submitting an assessment or any personal information through our platform does not constitute an application for credit, enrollment in any debt relief program, or an agreement with any third party.
SouthPoint Financial makes no warranties, express or implied, regarding the accuracy or completeness of the information provided through our platform, and is not liable for any decisions you make based on that information. We are not responsible for the actions, services, or outcomes of any third-party partner to whom you are referred. Any program or service offered by a third-party partner is governed entirely by that partner's own terms and agreements; SouthPoint Financial is not a party to those agreements.
SouthPoint Financial may receive compensation from third-party partners when a referral results in a program enrollment. This compensation does not influence our assessment results or the educational information we provide.
Our platform may contain links to third-party websites or partner services. This Privacy Policy does not apply to those websites or services, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party website before submitting personal information.
SouthPoint Financial is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected such information, we will delete it promptly.
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at:
hello@southpoint-financial.com
SouthPoint Financial, Florida, United States
We reserve the right to update or modify this Privacy Policy at any time. Any updates will be indicated by an updated effective date at the top of this page. We encourage you to review this policy periodically. By continuing to use our platform after any changes, you signify your acceptance of the updated policy.
SouthPoint Financial is an independent educational and referral platform based in Florida. We are not a lender, a debt settlement company, a credit counselor, or a law firm. We do not negotiate with creditors on your behalf, manage your debt, or provide legal, financial, or professional advice of any kind.
We exist to help people with credit card debt understand their situation clearly, so they can make a confident, informed decision about what to do next, whether that means following a self-guided payoff plan or connecting with a third-party provider you may choose to work with.
Many debt services begin by offering a specific solution. We take a different approach; we start by helping you understand your own situation first, then surface the options that may be relevant to it.
Not everyone is connected with a provider. Whether a provider introduction is presented as part of your experience depends on your assessment responses, provider availability, eligibility, and other factors. If your situation is self-manageable, we give you the tools to handle it yourself. You are never required to connect with a provider or enroll in any program.
We are transparent about how we make money. SouthPoint is completely free to use. We may receive compensation from some third-party providers if we refer you and you choose to enroll in their program. This compensation is a material relationship and may affect whether and how certain providers are presented.
We design our educational tools to help you better understand your situation. However, provider availability, eligibility, and business relationships may influence which options are presented.
We are independent. SouthPoint Financial is not affiliated with or acting on behalf of any provider unless explicitly stated. We do not guarantee the services or outcomes of any third-party provider you may choose to work with.
We take the stress seriously. Credit card debt is a major source of financial stress for many people. Most people deal with it alone because they don't know who to trust or where to start. We created SouthPoint to give people a clear, judgment-free starting point.
Your information stays private. We do not share your information with any third-party provider unless you choose to request an introduction.
Not everyone is connected with a provider. Whether a provider introduction is part of your experience depends on your assessment responses, provider availability, eligibility, and other factors.
We may be compensated. SouthPoint is free to use. If you choose to connect with a provider and enroll in their program, we may receive compensation. This is a material relationship and may affect whether and how certain providers are presented.
Every decision is yours. We give you information and tools. What you do with them is entirely up to you.
SouthPoint Financial is a Florida-based credit card debt guidance and referral platform. We provide educational information and tools to help individuals understand their credit card debt situation and explore their options.
SouthPoint Financial is not a debt settlement company, credit counselor, financial advisor, or law firm. We do not negotiate with creditors on your behalf, manage your debt, or provide legal, financial, credit, or other professional advice. Nothing on this platform constitutes legal, financial, credit, or professional advice of any kind.
You can reach us at: hello@southpoint-financial.com
SouthPoint Financial provides the following at no cost to you:
All tools and resources are provided for informational and educational purposes only. Results are estimates based on the information you provide and may not reflect your actual financial outcome. Individual results will vary. SouthPoint Financial does not guarantee any reduction in debt, savings, settlement result, approval, or financial outcome of any kind.
Services from third-party providers may not be available in all states and are subject to applicable laws, eligibility requirements, and licensing requirements in your state.
When you use SouthPoint Financial, you may provide us with the following information:
How we may use your information:
All marketing emails we send are intended to comply with applicable law, including the CAN-SPAM Act. Each marketing email should include a clear unsubscribe mechanism and our required sender information.
For full details on how we collect, use, store, and protect your information, please review our Privacy Policy.
By submitting your information through a form on this platform, you agree that SouthPoint Financial may contact you regarding your assessment, your estimated repayment illustration, your request for information, and related service or educational follow-up communications.
Your consent to marketing calls or texts is not a condition of purchasing anything or of receiving the free educational assessment, estimated repayment illustration, or other free resources offered on this platform.
You may revoke your consent to receive marketing calls or texts at any time through any reasonable means, including replying STOP to a text message, using any unsubscribe or opt-out method provided in the communication, or contacting us at hello@southpoint-financial.com. We will process opt-out and revocation requests as required by applicable law.
You are responsible for providing an accurate phone number and email address and for updating us if your contact information changes.
SouthPoint Financial is free for users of this platform. We do not charge fees for the assessment, the estimated repayment illustration, the Clarity Call, or the educational resources we make available on this platform.
We may receive compensation from a third-party debt settlement provider if you choose to connect with that provider and later enroll in its program. We disclose this relationship because it is material information that may be relevant to your decision to use this platform or consider a provider referral.
Whether a provider referral is presented as part of your experience may depend on information you provide, provider availability, eligibility considerations, state availability, and our business relationships.
If your assessment result indicates that professional debt settlement help may be appropriate, please be aware of the following before proceeding:
SouthPoint Financial does not manage, oversee, administer, or guarantee the services provided by any third-party debt settlement provider. We are not responsible for the content, accuracy, legality, availability, pricing, or practices of any third-party provider. Any agreement you enter into with a provider is solely between you and that provider.
We strongly encourage you to seek independent legal, tax, or financial advice before enrolling in any debt settlement or debt relief program.
Nothing provided by SouthPoint Financial, including the assessment, estimated repayment illustration, Clarity Call, or any other content on this platform, constitutes financial advice, legal advice, credit counseling, tax advice, or any other form of professional advice.
The assessment and illustration are designed to help you understand your own situation more clearly by surfacing general educational information based on what you share with us. They are not professional determinations of your financial situation and do not evaluate all available financial options.
You agree not to rely solely on the information provided through this platform and to seek independent professional advice before making any financial decision. All decisions regarding your debt, finances, and any enrollment in a debt settlement program are entirely your own. SouthPoint Financial is not responsible for any financial, legal, tax, or personal decisions you make based on information provided through this platform.
You have the following rights and choices regarding your information and your use of SouthPoint Financial:
SouthPoint Financial may choose to refer users to third-party debt settlement providers that we believe may be relevant based on the information provided by the user and our internal business criteria.
In deciding whether to include or refer a provider, we may consider factors such as provider availability, geographic coverage, licensing representations, service offerings, operational capacity, and compensation arrangements. Provider availability and eligibility may vary by state and may change over time.
SouthPoint Financial does not control, manage, supervise, or guarantee any third-party provider's services, representations, compliance, pricing, results, availability, or conduct. Any engagement, agreement, or transaction between you and a third-party provider is solely between you and that provider.
Any description of a provider on this platform is for general informational purposes only and does not constitute an endorsement, certification, or guarantee of that provider or its services.
This platform is intended only for residents of the United States who are at least 18 years old and are using the platform for personal, non-commercial purposes. By using this platform, you represent and warrant that you meet these eligibility requirements.
You agree to use this platform only for lawful purposes and in accordance with these Terms and Conditions. You may not use the platform to submit false or misleading information, impersonate another person, interfere with the platform's operation, attempt unauthorized access to systems or data, scrape or copy site content at scale, or use the platform in any manner that violates applicable law.
By using this platform, submitting forms, or communicating with SouthPoint Financial electronically, you agree to receive communications from us electronically, including by email, text message where permitted, or by notices posted on the platform. You agree that electronic communications, notices, disclosures, and records satisfy any legal requirement that such communications be in writing, to the extent permitted by applicable law.
SouthPoint Financial provides this platform and all associated tools, content, and materials on an as-is and as-available basis. To the fullest extent permitted by law, SouthPoint Financial disclaims all warranties, express or implied, regarding the accuracy, completeness, reliability, availability, suitability, or fitness for a particular purpose of any information or materials provided on or through this platform. We do not guarantee uninterrupted, timely, secure, or error-free access to this platform.
To the fullest extent permitted by law, SouthPoint Financial shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of this platform, your inability to use this platform, your reliance on any information provided, or your enrollment in or interaction with any provider we introduce you to. This limitation applies even if SouthPoint Financial has been advised of the possibility of such damages and includes damages arising from third-party provider services, acts, omissions, or offers.
Your use of this platform and any decisions you make based on information provided here are entirely at your own risk.
You agree to indemnify, defend, and hold harmless SouthPoint Financial and its officers, employees, agents, affiliates, contractors, successors, and assigns from and against any claims, demands, actions, damages, losses, liabilities, judgments, settlements, costs, and expenses, including reasonable attorneys' fees, arising out of or related to: your use of this platform; any information you submit that is inaccurate, incomplete, outdated, or misleading; your violation of these Terms and Conditions; your violation of applicable law; or any action you take based on information provided through this platform.
Please read this section carefully. Except where prohibited by applicable law, you and SouthPoint Financial agree that any dispute, claim, or controversy arising out of or relating to these Terms and Conditions, your use of the platform, or any interaction with SouthPoint Financial will be resolved exclusively through final and binding individual arbitration, and not in court.
Class action waiver: You and SouthPoint Financial agree that each may bring claims only in an individual capacity and not as a plaintiff or class member in any purported class, consolidated, collective, or representative action or proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
The arbitration will be administered by the American Arbitration Association under its applicable consumer arbitration rules, unless you and SouthPoint Financial agree otherwise in writing. Arbitration may be conducted remotely, by documents-only submission, by telephone, by video conference, or in another mutually agreed location, as permitted by the applicable rules.
Nothing in this section prevents either party from bringing an individual claim in small claims court, if eligible, or from seeking temporary or preliminary injunctive relief in a court of competent jurisdiction to prevent immediate and irreparable harm.
If any part of this arbitration section is found unenforceable, the remaining portions will remain in effect to the fullest extent permitted by law, except that if the class action waiver is found unenforceable in a particular claim, then that claim shall proceed in a court of competent jurisdiction and not in arbitration. This section survives termination of your relationship with SouthPoint Financial and continued use of the platform.
These Terms and Conditions are governed by the laws of the State of Florida, without regard to its conflict of law principles. To the extent any dispute is not subject to arbitration, it shall be subject to the exclusive jurisdiction of the state or federal courts located in Florida, and you consent to such jurisdiction and venue.
SouthPoint Financial reserves the right to update or modify these Terms and Conditions at any time. The effective date at the top of this page will be updated whenever changes are made. Your continued use of this platform after revised Terms and Conditions are posted constitutes your acceptance of the updated terms.
We encourage you to review these Terms periodically to stay informed of any updates.
If any provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, that provision shall be deemed severed and the remaining provisions shall remain in full force and effect to the fullest extent permitted by law.
No waiver by SouthPoint Financial of any term or condition set forth in these Terms and Conditions shall be deemed a further or continuing waiver of that term or condition or a waiver of any other term or condition. Any failure by SouthPoint Financial to assert a right or provision under these Terms and Conditions shall not constitute a waiver of that right or provision.
These Terms and Conditions, together with any policies or disclosures expressly incorporated by reference, including our Privacy Policy, constitute the entire agreement between you and SouthPoint Financial regarding your use of the platform and supersede all prior and contemporaneous understandings, communications, and proposals, whether oral or written, relating to that subject matter.