Privacy Policy

DebtWise Financial Solutions Inc. ("DebtWise," "we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website debtwisepath.com and use our services.

This policy applies to all information collected through our website, services, and any related communications. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or 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 amounts, credit scores, banking information
• Demographic Information: Age, gender, employment status, family size
• Account Information: Username, password, preferences, communication history
• Payment Information: Credit card details, billing address, transaction history

Automatically Collected Information

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, click patterns, referring websites
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Information stored through cookies, web beacons, and similar technologies

We use the information we collect for the following purposes:

• Service Provision: To provide debt elimination coaching, create personalized plans, and deliver our educational programs
• Communication: To contact you about your account, appointments, program updates, and customer support
• Payment Processing: To process transactions and manage billing for our services
• Improvement: To analyze usage patterns and improve our website, services, and user experience
• Marketing: To send promotional emails and information about our services (with your consent)
• Legal Compliance: To comply with legal obligations and protect our legal rights
• Security: To protect against fraud, unauthorized access, and other security threats

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our website and providing our services, including:

• Payment processors and financial institutions
• Cloud hosting and data storage providers
• Email communication platforms
• Analytics and website optimization services
• Customer support platforms

Legal Requirements

We may disclose your information if required by law or in response to:

• Court orders, subpoenas, or legal processes
• Government investigations or regulatory requirements
• Protection of our rights, property, or safety
• Prevention of fraud or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to confidentiality agreements.

We implement comprehensive security measures to protect your personal information:

• Encryption: All sensitive data is encrypted in transit and at rest using industry-standard protocols
• Access Controls: Strict access controls limit who can view your information
• Regular Audits: We conduct regular security audits and vulnerability assessments
• Staff Training: Our employees receive regular training on data protection and privacy
• Secure Infrastructure: We use secure, monitored data centers with physical and digital protections

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but commit to industry best practices.

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information under certain circumstances
• Portability: Request a copy of your data in a machine-readable format
• Objection: Object to certain types of data processing
• Restriction: Request restriction of data processing under certain circumstances

To exercise these rights, please contact us using the information provided in Section 10. We may need to verify your identity before processing your request.

We use cookies and similar tracking technologies to enhance your experience on our website:

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality. For more information, see our Cookie Policy.

We retain your personal information only as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law.

Specific retention periods include:

• Account Information: Retained while your account is active and for 7 years after closure
• Financial Records: Retained for 7 years as required by Canadian tax laws
• Communication Records: Retained for 3 years for quality assurance purposes
• Website Usage Data: Anonymized after 2 years

Your information is primarily stored and processed in Canada. If we transfer data outside of Canada, we ensure appropriate safeguards are in place, including:

• Adequacy decisions by Canadian authorities
• Standard contractual clauses
• Certification schemes and codes of conduct
• Binding corporate rules

We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our website

The updated policy will be effective immediately upon posting unless otherwise specified.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We will respond to your inquiry within 30 days of receipt.