Cookie Policy for DebtPlus Solutions

Last Updated: June 30, 2025

DebtPlus Solutions ("DebtPlus," "we," "us," or "our") uses cookies and similar technologies on our website https://www.debtplus.org (the "Website") to enhance your experience, provide services related to debt management and consolidation, support our Referral Program, and analyse Website performance.

1. What Are Cookies?

Cookies are small text files stored on your device (e.g., computer, smartphone, or tablet) when you visit a website. They help websites remember your preferences, track usage, and deliver personalized content. We also use similar technologies, such as web beacons, pixels, and tracking scripts, which serve similar purposes.

2. Types of Cookies We Use

We use the following categories of cookies:

2.1. Strictly Necessary Cookies

Purpose: These cookies are essential for the Website to function properly, enabling you to navigate, access secure areas, and use core features (e.g., account login, debt assessment tools, or Referral Program tracking).

Examples: Session cookies, authentication cookies.

Consent: These cookies do not require your consent under PECR, as they are necessary for the Website's operation.

2.2. Performance Cookies

Purpose: These cookies collect anonymized data about how you use the Website (e.g., pages visited, time spent, or referral link clicks) to help us improve performance and user experience.

Examples: Google Analytics cookies.

Consent: We will only use these cookies with your explicit consent.

2.3. Functional Cookies

Purpose: These cookies remember your preferences (e.g., language settings or form inputs) to provide a personalized experience.

Examples: Cookies that save your cookie consent preferences or form data for debt assessments.

Consent: We will only use these cookies with your explicit consent.

2.4. Targeting/Advertising Cookies

Purpose: These cookies track your browsing habits to deliver personalized ads or promotions, including Referral Program offers, on our website or third-party platforms (e.g., social media).

Examples: Cookies set by advertising partners or referral tracking platforms.

Consent: We will only use these cookies with your explicit consent.

2.5. Referral Program Cookies

Purpose: These cookies track referrals made through our Referral Program, ensuring we can attribute a referred friend's first payment to the correct referrer and issue rewards (e.g., £50 voucher).

Examples: Cookies storing unique referral codes or links.

Consent: We will only use these cookies with your explicit consent, unless they are strictly necessary for processing the referral.

3. How We Use Cookies

We use cookies to:

Enable core Website functionality, such as account access and debt management tools
Track referrals for our Referral Program to verify when a referred friend makes their first payment
Analyse Website usage to improve performance and user experience
Personalize content, such as tailored debt management advice or Referral Program promotions
Deliver relevant advertisements or marketing communications, where you have consented
Ensure security by detecting and preventing fraudulent activity

4. Legal Basis for Using Cookies

Under UK GDPR and PECR, we use cookies based on:

Consent: For performance, functional, targeting, and non-essential Referral Program cookies, we obtain your explicit consent via our Cookie Consent Tool.
Legitimate Interests: For strictly necessary cookies, we rely on our legitimate interest in operating the Website and providing services, including essential Referral Program functionality.

5. Third-Party Cookies

We may use third-party services that set cookies on our website, such as:

Analytics Providers: E.g., Google Analytics to analyse Website traffic
Referral Platforms: E.g., referral tracking software to manage the Referral Program
Advertising Partners: To deliver targeted ads or promotions, where consented

These third parties are subject to their own privacy policies, and we ensure they comply with UK GDPR through data processing agreements.

6. Managing Your Cookie Preferences

6.1. Cookie Consent Tool:

When you first visit our website, you can manage your cookie preferences via our Cookie Consent Tool, allowing you to accept or reject non-essential cookies.

6.2. Browser Settings:

You can block or delete cookies through your browser settings:

Chrome: Go to Settings > Privacy and Security > Cookies and Other Site Data
Firefox: Go to Settings > Privacy & Security > Cookies and Site Data
Safari: Go to Settings > Privacy > Cookies

Note: Blocking strictly necessary cookies may prevent you from using certain Website features, such as account access or the Referral Program.

6.3. Opt-Out of Advertising:

You can opt out of targeted advertising via tools like the Your Online Choices platform.

7. Data Retention

Cookies are stored for varying periods depending on their purpose:

Session Cookies: Deleted when you close your browser
Persistent Cookies: Stored for a set period up to 2 years or until you delete them
Referral Program cookies are retained until the referral is processed or for 6 months to verify payments

See our Privacy Policy for details on how we retain related personal data.

8. Your Rights

Under UK GDPR, you have rights over your personal data collected via cookies, including the right to access, rectify, or delete your data. Contact us at support@debtplus.org with any questions.

9. Changes to This Cookie Policy

We may update this Cookie Policy to reflect changes in our practices or legal requirements. Updates will be posted on this page with a revised "Last Updated" date. Your continued use of the Website constitutes acceptance of the updated policy.