Privacy Policy

1. Introduction

Welcome to DebtCat ("we", "us", or "our"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, including our website and chatbot (collectively, the "Services").

By accessing or using our Services, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

By accessing or using our Services, you consent to our use of cookies and tracking technologies, including the Metapixel (on certain pages), as described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when registering for the Services, expressing an interest in obtaining information about us or our products and services, or otherwise contacting us. This may include:

• Name
• Email address
• Postal address
• Account information (including account numbers and balances)
• Any other personal information you choose to provide

2.2 Usage Data

We automatically collect certain information when you visit, use, or navigate the Services. This may include:

• IP address
• Browser type and version
• Operating system
• Referring URLs
• Pages viewed and the order of those pages
• Dates and times of access

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, pixels (including the Metapixel provided by Meta Platforms, Inc. on certain pages), and other tracking technologies to collect information about your interactions with our Services. These technologies help us understand user behavior, analyze trends, and improve our Services. The Metapixel, used on certain pages, may collect information such as your IP address, browser type, pages visited, and time spent on pages. This information is used for analytics purposes and may be shared with Meta Platforms, Inc. in accordance with their Data Policy.

2.4 Use of Analytics and Tracking Technologies

We use third-party analytics tools, including the Metapixel provided by Meta Platforms, Inc. (on certain pages), to understand how visitors interact with our website. These tools collect information sent by your device or our Service and other information that assists us in improving the Service. The collected data is used solely for internal analytics purposes and to enhance the functionality and user experience of our website.

3. How We Use Your Information

We use your personal information for a variety of business purposes, including:

• Service Delivery: To provide, maintain, and improve our Services, including creating dispute letters and offering customer support.
• Personalization: To personalize your experience and deliver content and product offerings relevant to your interests.
• Tracking and Improvement: To collect data for tracking purposes to improve our website and Services.
• Training and Development: To use anonymized data for training purposes to improve our algorithms and services.
• Marketing and Communications: To send you promotional materials and updates with your consent.
• Analytics: To analyze usage patterns and improve our Services.
• Security and Fraud Prevention: To monitor and protect the security of our Services and detect and prevent fraudulent activities.
• Legal Compliance: To comply with legal obligations and respond to lawful requests from public authorities.

4. Legal Bases for Processing

We process your personal information based on the following legal grounds:

• Consent: Where you have given explicit consent for a specific purpose.
• Contractual Necessity: To fulfill our contractual obligations to you.
• Legal Obligations: To comply with legal and regulatory requirements.
• Legitimate Interests: To pursue our legitimate interests in a manner that does not override your rights and freedoms.

5. Disclosure of Your Information

5.1 Third-Party Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services on our behalf. These third parties are obligated to protect your information and are prohibited from using it for any other purpose.

5.2 Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

5.3 Legal Obligations

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

5.4 No Sharing of Personal Data

We will not sell, rent, or share your personal data with third parties for their marketing purposes.

5.5 Data Sharing with Meta Platforms, Inc.

We use the Metapixel provided by Meta Platforms, Inc. ("Meta") on certain pages of our website to collect analytics data about your interactions with those pages. This data may include non-personally identifiable information such as your IP address, browser type, pages visited, and timestamps. The information collected is transmitted to Meta and used to provide us with aggregated insights. We do not share personally identifiable information such as your name, email address, or financial details with Meta.

6. Data Security

We are committed to protecting your personal information and use reasonable security measures appropriate to our small company size and resources. However, please be aware that no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security, especially when third-party tracking technologies are involved.

7. Data Retention

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. If you wish to have your data deleted, you can contact us at any time, and we will delete your data upon request.

8. Your Rights and Choices

8.1 Access, Correction, and Deletion

You have the right to request access to, correct, or delete your personal information. To exercise these rights, please contact us at .

8.2 Opt-Out of Marketing Communications

You may opt-out of receiving promotional emails from us by following the unsubscribe instructions in those emails or contacting us directly.

8.3 Cookies and Tracking Technologies

Our website uses cookies and tracking technologies to enhance your user experience. On certain older pages, we have implemented a cookie consent banner that provides an "Okay, I got it" option to acknowledge your understanding of our use of cookies. Please note that you cannot opt-out of these technologies through our website. If you do not agree to their use, please discontinue using our Services.

8.4 Do Not Track Signals

Our Services do not respond to Do Not Track signals due to the lack of industry standards for these signals. If you do not wish to be tracked, please discontinue using our Services.

9. International Data Transfers

The information collected through the Metapixel on certain pages may be transferred to and processed by Meta Platforms, Inc. and its affiliates, which may be located outside of your state, province, country, or other governmental jurisdiction. By using our Services, you consent to such international transfers of your data.

When we transfer your personal information internationally, we will ensure appropriate safeguards are in place to protect your data.

10. Third-Party Services

Our Services may include third-party tracking technologies from service providers like Meta Platforms, Inc. (used on certain pages). These third parties may use cookies, pixels, and other technologies to collect information about your online activities. We do not control these third-party technologies, and their use is governed by the privacy policies of the third parties. We encourage you to review Meta's Data Policy to understand how they handle your information.

11. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. While we do not knowingly collect personal information from individuals under the age of 18, the use of the Metapixel may inadvertently collect certain data from all website visitors. If you believe we might have any information from or about a child under 18, please contact us so we can take appropriate action.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email or through a notice on our website prior to the change becoming effective.

Your continued use of our Services after the effective date constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

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

Email:

Address:

14. Your California Privacy Rights

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act ("CCPA") and California Civil Code Section 1798.83:

14.1 Right to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.

14.2 Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.

14.3 Right to Opt-Out

You have the right to opt-out of certain data collection practices. However, since our website requires the use of cookies and tracking technologies for its operation and analytics, we do not offer an opt-out mechanism for these essential services. If you do not consent to this, please discontinue using our website.

14.4 Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.

To exercise your rights under the CCPA, please contact us at .

15. European Economic Area (EEA) and UK Residents

If you are located in the EEA or the UK, please note that by using our Services, you consent to the processing of your data as described in this Privacy Policy. If you do not agree with this, we advise you to stop using our Services. While we primarily operate in the United States, data collected through our website may be transferred internationally, including to the United States.

• Right to Access: Request access to your personal information.
• Right to Rectification: Request correction of inaccurate or incomplete data.
• Right to Erasure: Request deletion of your personal information.
• Right to Restrict Processing: Request restriction of processing your personal information.
• Right to Data Portability: Request transfer of your personal information to you or a third party.
• Right to Object: Object to processing of your personal information.
• Right to Withdraw Consent: Withdraw consent at any time where we are relying on consent to process your personal information.

To exercise these rights, please contact us at .

16. Governing Law

This Privacy Policy and any disputes related thereto shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law principles.

17. Acceptance of This Policy

By accessing or using our Services, you agree to this Privacy Policy, including our use of cookies and tracking technologies like the Metapixel. If you do not agree with any part of this policy, your choice is to not use our Services.

Notice About Cookies Consent Banner

We have implemented a cookie consent banner on certain older pages of our website to provide transparency about our use of cookies and tracking technologies. The banner provides an "Okay, I got it" option to acknowledge your understanding of our use of cookies. Please note that you cannot opt-out of these technologies through our website. If you do not agree to their use, please discontinue using our Services.