Privacy Policy

Introduction

Welcome to https://online-debt-consolidation-service.vibereports.co.uk (hereinafter referred to as “the Company” or “we”). We are committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy explains our practices regarding the collection, handling, and protection of information from users who access or interact with our website, applications, services, and products.

Scope

This policy covers all aspects of our online presence, including but not limited to:

Our official website located at https://online-debt-consolidation-service.vibereports.co.uk.
Any mobile or desktop applications developed by us and made available for download.
Services offered through our platform, such as debt consolidation assistance.
Interactions between users and our customer support channels.

Please note that this policy does not extend to third-party websites, applications, or services linked from our platform. These entities have their own privacy policies, and we encourage you to review them before providing any personal information.

Processing Activities

This Privacy Policy governs your interactions with us when:

You create an account and use our applications or services as an authorized user.
You visit our websites, including navigating through various pages and utilizing interactive features.
You subscribe to receive communications from us, such as newsletters, promotional emails, phone calls, or text messages (SMS).

Personal Data Collection

We collect several types of personal data to enhance your user experience, improve our services, and comply with legal requirements:

Account Information: Details related to your account creation, including usernames, passwords, and contact preferences.
Payment Information: Cardholder names, credit/debit card numbers, expiration dates, CVV codes, and billing addresses are collected for processing payments securely.
Financial Information: We may gather data about your financial status, such as income levels, debt details, and credit history (obtained with your consent).
Purchase Information: This includes transaction records, purchase frequency, and product preferences.
Mobile Device Identifiers: Unique device identifiers, IP addresses, mobile network information, and location data from mobile devices accessing our services.
Location Data: Information about your physical location when using certain features of our apps or website.
Feedback and Reviews: Comments, suggestions, and ratings provided by users to improve our services.
Social Media Information: Data obtained through social media platforms (if linked to your account) for personalized content delivery.
Product Information: Details about products or services you interact with on our platform.

We collect this data through various methods, including direct user input, automated tracking technologies (like cookies), and information received from third-party partners.

Cookies

We employ cookies to enhance your experience and gather analytics:

Strictly Necessary Cookies: These are essential for navigating our website and using its features. They enable basic functionality, secure log-ins, and session management.
Preference Cookies: Cookies that remember your preferences, language settings, and display options.
Analytics Cookies: Used to analyze user behavior, track engagement, and improve our services. These cookies may be set by us or third-party service providers.

Users can manage non-essential cookies through our Cookie Manager, providing control over their browsing experience.

Retention and Deletion

We retain personal data for the duration required to fulfill the purpose of collection, as per applicable laws:

Financial records are retained for a period mandated by tax authorities and regulatory bodies.
User accounts remain active until deactivating or deleting them.
Data associated with marketing communications is kept for 24 months after the last interaction.
Once the retention period expires or upon request, we securely delete or anonymize personal data.

Security Measures

We implement robust security measures to safeguard your personal data:

Encryption of data at rest and in transit using industry-standard protocols.
Engagement of secure third-party processing partners for payment transactions.
Regular security assessments and updates to protect against potential vulnerabilities.
Employee training on data privacy and security best practices.

Children’s Privacy

We do not intentionally collect or solicit personal information from children under 18 years of age. If you believe we have collected such data, please contact us immediately, and we will take prompt action to rectify the issue.

Your Rights

Depending on your location, you are entitled to certain rights regarding your personal data:

Access: Request access to the personal data we hold about you.
Rectification: Ask for corrections if your data is inaccurate or incomplete.
Erasure (Right to be Forgotten): Request the deletion of your data, subject to legal exceptions.
Restriction: Limit our processing of your data under certain circumstances.
Portability: Receive a copy of your data in a structured format for use with another controller.
Objection: Object to the processing of your personal data based on legitimate interests or consent.
Non-Discrimination: Be free from discriminatory practices when exercising your rights.
Appeals/Complaints: File appeals or complaints with relevant supervisory authorities.

To exercise these rights, please contact our Data Privacy Team at [email protected] or via postal mail to:

Online Debt Consolidation Service Privacy Team
[Address]

Changes to Policy

We reserve the right to update this Privacy Policy at any time. Any modifications will be effective immediately upon posting on our website, and we encourage users to review it periodically for changes.

Contact Information

For any questions, comments, or requests related to privacy or data protection:

Email: [email protected]

Postal Mail: Online Debt Consolidation Service Privacy Team, [Address]