Privacy Policy

Debt Experts Canada ("Debt Experts Canada," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our websites, complete a questionnaire or lead form, submit contact information, interact with our advertising, or otherwise use our services.

1. Information We Collect

Depending on how you interact with us, we may collect information such as:

• Your name, phone number, email address, and province or territory.
• Information about your business structure, including whether your business is incorporated, a sole proprietorship, partnership, or another structure.
• Information about your financial situation, including approximate business and personal debt amounts, types of debt, CRA-related obligations, loans, lines of credit, credit cards, government loans, and other obligations.
• Information about your current financial situation, urgency, desired outcome, homeownership, and approximate home equity.
• Your communications preferences and records of consent.
• Technical and advertising information, such as IP address, browser type, device information, referring page, landing-page URL, cookies, pixels, Meta/Facebook identifiers, UTM parameters, campaign IDs, ad set IDs, ad IDs, placement information, and similar tracking data.
• Any additional information you voluntarily provide to us or to a participating service provider.

2. How We Use Your Information

We may use personal information to:

• Review and process your inquiry.
• Assess which participating service provider may be appropriate for your stated needs.
• Connect or refer you to one or more participating independent business debt professionals or service providers.
• Allow us, Calltastic, or participating partners to contact you regarding your inquiry, where permitted by law and consistent with your consent.
• Operate, maintain, secure, troubleshoot, and improve our websites, quizzes, forms, advertising campaigns, and lead-routing systems.
• Measure advertising performance, attribution, conversion events, and campaign effectiveness.
• Prevent fraud, abuse, duplicate submissions, or security incidents.
• Comply with legal, regulatory, contractual, or record-keeping obligations.

3. Sharing Your Information

Because our service is designed to connect users with service providers, we may disclose relevant personal information to third parties, including:

• Participating business debt professionals, financial service providers, restructuring professionals, consultants, or other providers that may be able to assist with your inquiry.
• Calltastic and other communication, call-management, SMS, CRM, lead-routing, hosting, analytics, advertising, or technology service providers that help us operate our services.
• Advertising and analytics platforms, including Meta, where applicable, for campaign measurement, attribution, optimization, and conversion tracking.
• Professional advisers, regulators, law enforcement, courts, or government authorities when disclosure is required or permitted by law.
• A purchaser, successor, or other party involved in a merger, acquisition, financing, sale of assets, reorganization, or similar business transaction, subject to applicable legal requirements.

4. Consent and Communications

Where required, we obtain consent for the collection, use, and disclosure of personal information. When you submit a form and actively select a communications consent checkbox, the consent language presented at the point of collection governs that communication consent.

If you consent to receive calls or text messages, communications may be made by Debt Experts Canada, Calltastic, or participating service providers, and may include communications sent using automated systems, pre-recorded messages, or AI-generated voice technology, as disclosed at the time you provide consent.

You may withdraw consent to marketing or text communications at any time, subject to legal or contractual restrictions. For text messages, you may typically reply STOP. You may also contact us using the contact information below.

5. Cookies, Pixels, and Advertising Technology

We may use cookies, pixels, tags, local storage, and similar technologies to operate our website, remember information, prevent duplicate submissions, understand how users interact with our pages, and measure advertising performance.

For example, we may use the Meta Pixel and related Meta technologies to measure actions taken after viewing or clicking an advertisement. Information collected through these technologies may be subject to the privacy practices of the relevant platform.

6. Third-Party Service Providers

We may use third-party service providers to process or store information on our behalf. We take reasonable steps to select providers that maintain appropriate administrative, technical, and organizational safeguards. Personal information may be processed or stored in Canada, the United States, or other jurisdictions where our service providers operate, and may therefore be subject to the laws of those jurisdictions.

7. Safeguarding Personal Information

We use reasonable administrative, technical, and organizational measures designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, modification, or destruction. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, operate our services, document consent, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy legal requirements. Retention periods may vary depending on the type of information and the purpose for which it is held.

9. Access, Correction, and Withdrawal of Consent

Subject to applicable law, you may request access to personal information we hold about you and ask that inaccurate or incomplete information be corrected. You may also withdraw consent to certain uses or disclosures, subject to applicable legal or contractual restrictions and reasonable notice.

To make a privacy request, contact us using the information below. We may need to verify your identity before completing certain requests.

10. Children's Privacy

Our services are intended for adults and business owners and are not directed to children. We do not knowingly collect personal information from children through our lead forms.

11. External Websites and Service Providers

Our websites or communications may contain links to third-party websites or services. We are not responsible for the privacy practices of independent third parties. We encourage you to review their privacy policies before providing personal information directly to them.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technologies, business practices, or legal requirements. The updated version will be posted on this page with a revised "Last updated" date.

13. Contact Us

If you have questions, concerns, complaints, or requests relating to this Privacy Policy or our handling of personal information, please contact:

Debt Experts Canada
Privacy Contact
Email: privacy@debtexpertscanada.ca

Replace the email address above before publishing if Debt Experts Canada uses a different privacy contact address.