Privacy Policy

1. Data Controller

DebtSolution.net is the data controller for personal information collected through this website. You can contact us about data protection matters at:

• Email: privacy@debtsolution.net
• Post: Data Protection Officer, DebtSolution.net, [Address]

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when using our services:

• Assessment Form: Email address, debt amount range, income range
• Contact Forms: Name, email, message content
• Newsletter Sign-up: Email address (if offered)

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

• Technical Data: IP address, browser type and version, operating system
• Usage Data: Pages visited, time spent, referral source
• Cookies: See our Cookie section below

2.3 Calculator Tool

Important: Our debt calculator runs entirely in your browser. We do NOT collect, transmit, or store any data you enter into the calculator. Your calculations remain completely private on your device.

3. How We Use Your Information

4. Who We Share Your Information With

4.1 Debt Advice Partners

When you submit an assessment form, we may share your information with FCA-regulated debt advice companies who can provide free consultations. We only share:

• Email address
• Debt range
• Income range

We NEVER share sensitive personal data without explicit consent.

4.2 Service Providers

We use trusted third-party services to operate our website:

• Web Hosting: To store and serve our website
• Analytics: Google Analytics (anonymized data only)
• Email Services: For sending responses to inquiries
• Form Processing: Formspree (for contact forms)

4.3 Legal Requirements

We may disclose information if required by law or to protect our rights, including:

• Court orders or legal proceedings
• Government or regulatory requests
• Protecting against fraud or security issues

4.4 We Never Sell Your Data

We will NEVER sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data:

• SSL encryption for all data transmission
• Regular security audits
• Access controls and authentication
• Staff training on data protection
• Incident response procedures

However, no internet transmission is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain personal data only as long as necessary:

7. Your Rights

Under UK data protection law, you have the following rights:

7.1 Right to Access

You can request a copy of the personal data we hold about you.

7.2 Right to Rectification

You can request correction of inaccurate or incomplete data.

7.3 Right to Erasure

You can request deletion of your personal data in certain circumstances.

7.4 Right to Restrict Processing

You can request we limit how we use your data.

7.5 Right to Data Portability

You can request your data in a machine-readable format.

7.6 Right to Object

You can object to processing based on legitimate interests or direct marketing.

7.7 Right to Withdraw Consent

Where we rely on consent, you can withdraw it at any time.

To exercise any of these rights, email privacy@debtsolution.net. We will respond within 30 days.

8. Cookies

We use cookies and similar technologies to improve your experience:

8.1 Essential Cookies

Required for the website to function properly. Cannot be disabled.

8.2 Analytics Cookies

Help us understand how visitors use our site (Google Analytics with IP anonymization).

8.3 Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

For more information about cookies, visit aboutcookies.org.

9. International Data Transfers

Some of our service providers may process data outside the UK. When this happens, we ensure appropriate safeguards are in place:

• Standard contractual clauses approved by the ICO
• Adequacy decisions where applicable
• Your explicit consent where required

10. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal data from children. If you believe we have collected data from a child, please contact us immediately at privacy@debtsolution.net.

11. Changes to This Policy

We may update this privacy policy periodically. Changes will be posted on this page with an updated "Last updated" date. For significant changes, we may notify you by email or prominent website notice.

We encourage you to review this policy periodically to stay informed about how we protect your information.

12. Complaints

If you have concerns about how we handle your data, please contact us first at privacy@debtsolution.net. We will investigate and respond to your complaint.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO):

• Website: ico.org.uk
• Phone: 0303 123 1113
• Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

13. Contact Us

For any questions about this privacy policy or our data practices, please contact:

• Email: privacy@debtsolution.net
• General inquiries: info@debtsolution.net

We aim to respond to all privacy-related inquiries within 48 hours.