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Privacy Policy for DebtPlus.org

Last Updated: June 24, 2025

DebtPlus.org ("We," "We," or "Us"), a debt management and consolidation help website, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and disclose your personal data when you use our website ("the Website") and services. By using the Website, you consent to the practices described in this policy.

1. Data Controller

DebtPlus, is the data controller responsible for your personal data. For questions or concerns, please contact us through WhatsApp or our website.

2. Personal Data We Collect

2.1. Information You Provide:

  • Name, email address, phone number, and other contact details when you fill out forms, request services, or contact us.
  • Financial information (e.g., debt details, income) if required for debt management or consolidation services.
  • Correspondence and communications with us.

2.2. Automatically Collected Data:

  • IP address, browser type, device information, and operating system.
  • Usage data, such as pages visited, time spent on the Website, and links clicked, collected via cookies and similar technologies.

2.3. Third-Party Data:

  • Information from third-party service providers (e.g., credit agencies or debt advisors) if you use our referral services, subject to their privacy policies.

3. How We Use Your Data

  • To provide and improve our debt management and consolidation services.
  • To communicate with you, including responding to inquiries and sending service-related updates.
  • To personalize your experience on the Website.
  • To comply with legal obligations, such as record-keeping and reporting requirements.
  • To analyze Website usage and enhance functionality, using aggregated or anonymized data where possible.
  • To send marketing communications, where you have given consent (you may opt out at any time).

4. Legal Basis for Processing

We process personal data under the following legal bases (per UK GDPR):

  • Consent: For marketing communications or certain data collection (e.g., optional forms).
  • Contract: To provide services you request, such as debt management tools or referrals.
  • Legal Obligation: To comply with UK laws, including financial regulations.
  • Legitimate Interests: For Website analytics, fraud prevention, and improving our services, provided your rights are not overridden.

5. Data Sharing and Disclosure

We may share your personal data with:

  • Service Providers: Third-party vendors (e.g., IT providers, payment processors) who assist in operating the Website, bound by data protection agreements.
  • Debt Advisors or Partners: If you use our referral services, we may share relevant data with trusted third-party debt management providers, with your consent.
  • Legal Authorities: When required by law, such as in response to court orders or regulatory requests.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the new entity.

We do not sell your personal data to third parties.

6. Cookies and Tracking Technologies

6.1. Cookies:

We use cookies to enhance Website functionality, analyze usage, and deliver personalized content. Types include:

  • Essential Cookies: Necessary for Website operation (e.g., navigation).
  • Analytics Cookies: To track usage patterns (e.g., Google Analytics).
  • Marketing Cookies: For personalized ads, where consented.

6.2. Managing Cookies:

You can manage cookie preferences via your browser settings or our cookie consent tool. Disabling cookies may affect Website functionality.

6.3. Third-Party Analytics:

We use tools like Google Analytics, which may collect anonymized data. See their privacy policies for details.

7. Data Storage and Security

7.1. Storage:

Your data is stored on secure servers located in the UK or within the European Economic Area (EEA). If data is transferred outside the UK, we ensure adequate safeguards (e.g., Standard Contractual Clauses).

7.2. Security Measures:

We use industry-standard security measures, such as encryption, firewalls, and access controls, to protect your data. However, no system is completely secure, and we cannot guarantee absolute security.

7.3. Retention:

We retain personal data only for as long as necessary to fulfil the purposes outlined in this policy or to comply with legal requirements. For example:

  • Contact data: Retained until you request deletion or we no longer need it for service delivery.
  • Financial data: Retained as required by UK financial regulations (typically 7 years).

8. Your Data Protection Rights

Under UK GDPR, you have the following rights:

  • Access: Request a copy of your personal data.
  • Rectification: Correct inaccurate or incomplete data.
  • Erasure: Request deletion of your data, subject to legal exceptions.
  • Restriction: Limit how we process your data in certain circumstances.
  • Portability: Receive your data in a structured, machine-readable format.
  • Objection: Object to processing based on legitimate interests or for marketing purposes.
  • Withdraw Consent: Revoke consent at any time, where applicable.

To exercise your rights, contact us at debtplus@gmail.com. We will respond within one month, as required by law. You may also lodge a complaint with the UK Information Commissioner's Office (ICO) at www.ico.org.uk.

9. Third-Party Links

The Website may contain links to third-party websites (e.g., debt advisors, financial tools). We are not responsible for their privacy practices. Please review their policies before sharing data.

10. Children's Privacy

The Website is not intended for individuals under 18. We do not knowingly collect personal data from children. If we become aware of such data, we will delete it promptly.

11. Changes to This Privacy Policy

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

12. Contact Us

For questions, concerns, or to exercise your data protection rights, please contact:

Thank you for trusting DebtPlus.org with your personal data. We are committed to protecting your privacy and providing transparent information about our practices.

For more information, please refer to our Terms of Use page.

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