UnDebt (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us.

We value your trust and are dedicated to handling your personal information with care and in accordance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

By accessing or using our services, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, debt information, credit history, banking information
• Identification Information: Date of birth, social insurance number (when required for credit checks or consumer proposals)
• Employment Information: Employer name, job title, employment history
• Account Information: Username, password, account preferences

Non-Personal Information

We may also collect non-personal information that does not directly identify you, including:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, interaction with our website
• Location Information: General geographic location based on IP address

Information Collection Methods

We collect information through various methods, including:

• Direct interactions when you fill out forms, create an account, or contact us
• Automated technologies such as cookies and similar tracking technologies
• Third-party sources, such as credit reporting agencies (with your consent)

We use the information we collect for various purposes, including:

• Providing and improving our debt relief services
• Processing and managing your debt relief program
• Communicating with you about our services
• Responding to your inquiries and requests
• Sending you important information regarding changes to our terms, conditions, and policies
• Personalizing your experience on our website
• Analyzing usage patterns to improve our website and services
• Preventing fraud and protecting the security of our website and services
• Complying with legal obligations

We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.

We may share your personal information in the following circumstances:

• With Your Creditors: As necessary to negotiate and implement your debt relief program
• Service Providers: With third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, and customer service
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
• Legal Requirements: When required by law, court order, or governmental regulation
• Protection of Rights: When we believe disclosure is necessary to protect our rights, your safety, or the safety of others

We require all third parties to respect the security of your personal information and to treat it in accordance with applicable laws. We do not allow our third-party service providers to use your personal information for their own purposes.

We have implemented appropriate security measures to prevent your personal information from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. These measures include:

• Encryption of sensitive data
• Secure networks and servers
• Regular security assessments
• Access controls and authentication procedures
• Staff training on data protection

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.

We will retain your personal information only for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements.

You have certain rights regarding your personal information, including:

• Access: You have the right to request access to your personal information that we hold.
• Correction: You have the right to request that we correct any incomplete or inaccurate information we hold about you.
• Erasure: In certain circumstances, you have the right to request that we delete your personal information.
• Restriction: You have the right to request that we restrict the processing of your personal information in certain circumstances.
• Data Portability: You have the right to request the transfer of your personal information to another party in certain circumstances.
• Withdrawal of Consent: You have the right to withdraw your consent at any time where we are relying on consent to process your personal information.

To exercise any of these rights, please contact us using the information provided in the “Contact Us” section below. We may need to verify your identity before responding to your request.

We use cookies and similar tracking technologies to track activity on our website and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

We use the following types of cookies:

• Essential Cookies: Necessary for the website to function properly
• Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our website
• Functionality Cookies: Enable us to personalize content and remember your preferences
• Targeting Cookies: Record your visit to our website, the pages you have visited, and the links you have followed

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

We will respond to your inquiry as soon as possible, typically within 30 days.