Privacy Policy

We take our ethical responsibilities and your privacy seriously. We provide this Privacy Policy to inform you of our policies and procedures regarding the collection, use and disclosure of personal information we receive through our website. If you use this site, you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our website and enhance your experience on the Internet. Therefore, in compliance with industry standards and regulations enforced typically by the Federal and Provincial Governments, we abide the following Privacy Policy.

Browsing

This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. We may use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

Information We Collect and Its Uses

We gather information, including personal information, through direct marketing. We collect your personal information if you complete an application form, participate in our affiliate marketing program, subscribe to our newsletter, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account.

We will ask you for information such as, but not limited to: name, current and/or billing address, e-mail address, telephone number. At any time, we may ask you to voluntarily supply us with additional information needed. If you purchase products or services through one of our affiliated debt consolidation agencies, you will have to provide a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and loan account information. We may share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35.

We may use your personally identifiable information in other ways, including sending you promotional materials, offers and services which may or may not be related to debt management, and sharing your information with third parties so that these third parties can send you promotional materials. (By “promotional materials,” we mean communications that directly promote the use of websites, or the purchase of products or services.). However, you may opt-out of certain uses of your personal information.

If your personally identifiable information changes, or if you no longer desire debt management solutions, you may correct, update, delete or deactivate by emailing our Customer Support, or contacting us by telephone or postal mail.

Disclosure of Information to Third Parties

We may share information about you with affiliated and/or third-party businesses in order to provide the products and services you have requested. We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of consumerdebtaid.ca. We may be compensated for this disclosure by our third-party partners. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION.

These businesses may contact you regarding any information/service requests made by you through our website and/or their own products and services. Modes of correspondence may include: email, direct mail, telephone marketing and SMS text-messaging. Any company with whom we share information about you will comply with confidentiality standards and obey consumer opt-out rules and regulations.

Opt-out Policy

If you do not wish to have your personal information collected by any third party that is not our agent/service provider, please contact our customer service department to opt-out of having your personal information shared. If you do not want to be contacted by us or any of our affiliates or subsidiaries in the future, email us at support@consumerdebtaid.ca. If you want to opt-out from all communications from any affiliates with whom we share your information, please refer to their specific privacy policies to learn about their opt-out process.

Security Policy and Storage of Information

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as your credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the Internet. After information reaches consumerdebtaid.ca, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of consumerdebtaid.ca . You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. For example, information you provide us by e-mail is not encrypted. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about the security on our website, please feel free to e-mail us.

Log Files

As is true of most websites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

Cookies 

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. We can at your option set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. Some of our business partners (e.g. advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.

Clear Gifs (Web Beacons/Web Bugs)

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and marketing campaigns. If you would like to opt-out of these emails, please see “Opt-out Policy.”

Links to Other Sites

This website may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company’s use and disclosure of your information collected on this site. While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms and conditions of each and every website that collects personally identifiable information. This privacy statement applies only to information collected by this website.

Co-Branded Sites

We may be co-branded with partners and affiliates. These business-to-business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.