Privacy Policy | fixdebt.in

1. Introduction

Welcome to fixdebt.in ("we," "our," or "us"). 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 visit our website or use our debt relief services.

By using our services, you agree to the collection and use of information in accordance with this policy. We encourage you to read this privacy policy carefully before providing any personal information.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

Fill out our contact form or consultation request form
Contact us via phone, email, or other communication channels
Enroll in our debt relief programs

The personal information we collect may include:

Full name
Phone number
Email address
City/Location
Debt amount (range)
Employment status
Monthly income (range)

2.2 Financial Information

If you enroll in our services, we may collect additional financial information necessary to assess your debt situation and negotiate with creditors on your behalf. This may include:

Details of outstanding debts and creditors
Bank account information
Credit card statements
Loan documents

2.3 Automatically Collected Information

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

Device information (browser type, operating system)
IP address
Pages visited and time spent on pages
Referral source

3. How We Use Your Information

We use the information we collect for the following purposes:

To provide, operate, and maintain our debt relief services
To contact you regarding your consultation request
To assess your financial situation and recommend appropriate solutions
To negotiate with creditors on your behalf
To send you updates about your case and our services
To improve our website and services
To comply with legal obligations
To protect against fraud and unauthorized transactions

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 With Creditors

If you enroll in our debt settlement or consolidation program, we will share necessary information with your creditors as part of the negotiation process. This is essential for us to provide our services.

4.2 Service Providers

We may share information with third-party service providers who assist us in operating our website, conducting our business, or servicing you. These parties are obligated to keep your information confidential.

4.3 Legal Requirements

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 government agency).

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

We do not sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of data in transit and at rest
Secure servers and databases
Regular security assessments
Employee training on data protection
Access controls and authentication protocols

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

7. Your Rights Under DPDP Act 2023

Under the Digital Personal Data Protection Act, 2023 (DPDP Act), you have the following rights regarding your personal data:

Right to Access: You can request information about the personal data we hold about you.
Right to Correction: You can request correction of inaccurate or incomplete personal data.
Right to Erasure: You can request deletion of your personal data, subject to certain conditions.
Right to Grievance Redressal: You have the right to have your complaints addressed.
Right to Nominate: You can nominate an individual to exercise your rights in case of your death or incapacity.

To exercise any of these rights, please contact us using the information provided in Section 10.

8. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to improve your experience on our website. Cookies are small files stored on your device that help us understand how you use our site.

You can control cookies through your browser settings. However, disabling cookies may affect some functionality of our website.

9. Changes to This Privacy Policy

We may update this 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. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, or if you wish to exercise your rights, please contact us:

Email: privacy@fixdebt.in
Phone: 1800-XXX-XXXX (Toll Free)
Address: [Your Business Address]

We will respond to your inquiry within a reasonable timeframe and in accordance with applicable laws.

11. Grievance Officer

In accordance with the Information Technology Act, 2000 and DPDP Act, 2023, the name and contact details of our Grievance Officer are:

Name: [Grievance Officer Name]
Email: grievance@fixdebt.in
Address: [Your Business Address]