Privacy Policy

Privacy Policy

Introduction

Welcome to https://debt-consolidation-loan-calculator.vibereports.co.uk (hereafter referred to as “the Company” or “we”). We are committed to maintaining a transparent and secure environment for our users, ensuring their privacy is protected at all times. This Privacy Policy details the practices we employ regarding the collection, storage, and management of your personal data in accordance with various international privacy laws and regulations, including:

  • Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec Law 25 on the protection of personal information in the private sector
  • General Data Protection Regulation (GDPR) of the European Union
  • Brazil’s General Data Protection Law (LGPD)
  • California’s Consumer Privacy Act (CCPA/CPRA) and Colorado’s Consumer Privacy Act (CPA)
  • Utah’s Consumer Sales Privacy Act (UCPA), Connecticut’s ConnectiCut Data Privacy Act (CTDPA), Virginia’s Virginia Consumer Data Protection Act (VCDPA), South Africa’s Protection of Personal Information Act (POPIA), and others.

Scope

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

  1. Our official website at https://debt-consolidation-loan-calculator.vibereports.co.uk
  2. All associated applications and mobile apps
  3. Services and products offered through our platforms
  4. Any interactions between you and our team via emails, phone calls, texts (SMS), or other communication channels.

Please note that this policy does not cover third-party websites, applications, or services accessed through links on our site. These entities have their own privacy policies, which we encourage you to review before providing any personal information.

Processing Activities

This Privacy Policy outlines the following activities related to your interactions with us:

  1. Using Our Services: When you sign up as an authorized user or utilize our applications and services, we collect and process data necessary for service provision and customization.
  2. Website Visits: Any time you visit our websites, our servers automatically log information about your interaction, including IP addresses, browser type, operating system, and the pages visited.
  3. Communications: We may reach out to you via newsletters, emails, calls, or texts for promotional purposes, updates, or support, all while maintaining your opt-out choices.

Personal Data Collection

We collect a range of personal data, which can be categorized as follows:

  1. Account Information: Details required to create and manage your user account, such as usernames, passwords, and profile settings.
  2. Payment Information: Credit or debit card details, billing addresses, and payment history for processing transactions.
  3. Financial Information: Data related to your financial situation, debt levels, and loan-related inquiries, including income, employment status, and bank account information.
  4. Purchase Information: Records of products or services accessed, purchased, or inquired about on our platforms.
  5. Mobile Device Identifiers: Unique identifiers from your mobile device, such as IP addresses, device tokens, and advertising IDs, for analytics and targeted advertising.
  6. Location Data: Information about your geographical location when you interact with our apps or websites, used to provide personalized services.
  7. Feedback: Responses and comments provided by users regarding their experiences with our products and services.
  8. Social Media Information: Data obtained from social media platforms when users choose to connect their accounts for streamlined access or sharing.
  9. Product Information: Details about the products you show interest in, view, or purchase on our site.

We collect this data through various methods: user input forms, account settings, browsing interactions, analytics tools, and third-party providers.

Cookies

We employ cookies to enhance your experience while using our website and applications, as well as for analytical purposes. Cookies are small text files stored on your device that serve different functions:

  1. Strictly Necessary: These ensure basic functionalities of our platforms, such as allowing you to log in.
  2. Preference: Cookies store settings and preferences to personalize your experience.
  3. Analytics: They help us understand how users interact with our sites, providing insights for improvement.

Users can control non-essential cookies through our Cookie Manager, allowing them to customize their privacy settings.

Retention and Deletion

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, plus an additional period to comply with legal obligations or resolve disputes. Once the retention period expires or when no longer required, we delete or anonymize the data securely.

Security Measures

The security of your personal data is a top priority. We implement robust organizational and technical safeguards to protect information from unauthorized access, disclosure, alteration, or destruction. These measures include:

  • Encryption for data in transit and at rest
  • Secure third-party processing partners who adhere to strict privacy standards
  • Regular security audits and updates to protect against emerging threats

Children’s Privacy

We do not intentionally collect personal information from children under 18 years of age. If we learn that a user is a minor, we will take appropriate steps to delete the data associated with that account.

Your Rights

Depending on your location and applicable laws, you may have various rights regarding your personal data:

  • Access and rectification
  • Data erasure or restriction
  • Portability of data
  • Objection to processing
  • Non-discrimination in automated decisions
  • Right to file appeals or complaints with supervisory authorities

To exercise these rights or seek clarification on any aspect of this policy, please contact our privacy team at your earliest convenience.

Changes to Policy

We reserve the right to update this Privacy Policy as needed to reflect changes in practices or regulatory requirements. Any modifications will be posted on this page, and we encourage users to review these updates periodically.

Contact Information

For any inquiries related to privacy, data requests, unsubscribes, or complaints, please contact us via:

We appreciate your trust in handling your personal data, and we are committed to maintaining the highest standards of privacy protection.