Privacy Policy

ClearDebt Pathway is committed to safeguarding your privacy. This Privacy Policy outlines the information we collect, how we use it, and your rights under applicable data protection laws.

Legal Compliance

This Privacy Policy is published in compliance with the following regulations:

  • Section 43A of the Information Technology Act, 2000
  • Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPI Rules”)
  • Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011

Information We Collect

1. Types of Information Collected

  • Personal Information: Name, contact details (email, phone), business information, and other identifiers.
  • Sensitive Personal Data: Financial details such as debt records and bank account information, collected only with explicit consent for debt settlement services.

2. Purpose & Processing

  • Provide tailored debt negotiation and financial stability solutions.
  • Verify identity, comply with legal obligations (KYC), and improve service efficiency.
  • Data collected via secure forms, emails, calls, or correspondence during service engagement.

3. Disclosure

  • Service providers: Licensed negotiators, auditors, or legal advisors (under strict confidentiality).
  • Legal compliance: When required by law enforcement or regulatory authorities.

4. Security Measures

  • Encryption, access controls, and regular audits.
  • Sensitive financial data processed only for agreed-upon services.

Personal Data

While using ClearDebt Pathway’s Services, we may ask for personally identifiable information to contact or identify you (“Personal Data”).

Definitions

  • Personal Information: Any data relating to you directly or indirectly (e.g., name, contact details).
  • Sensitive Personal Data: Includes financial or health-related information requiring higher protection.

Types of Data Collected

  • Email address, first/last name, phone number, company name.
  • Business details (address, state, postal code, city).
  • Usage data such as cookies and IP addresses (see Cookies Policy).

Sensitive Personal Data

  • Financial Information: Bank account details, outstanding debt records.
  • Legal & Contractual Data: Settlement agreements and related documents.

Public Domain Information

We may use publicly available information (e.g., business contact details from public websites) without additional consent.

Log Files

When you use our services, we may automatically collect technical data such as:

  • IP address, browser type, domain names, ISP
  • Files viewed (HTML pages, graphics, etc.)
  • Operating system, clickstream data, access times

This information helps us operate, secure, and improve our services.

How We Use the Information We Collect

  • We use your information only in compliance with this Privacy Policy.
  • We will never sell your Personal Information to third parties.

Uses of Personal Information

  • Enhance your experience and improve services.
  • Send relevant service updates and financial tips.
  • Occasionally share carefully-selected offers from trusted partners (without disclosing sensitive data).

Legal Basis for Processing (EEA Visitors Only)

ClearDebt Pathway processes personal information in compliance with GDPR. We rely on:

  • Your explicit consent (especially for sensitive data).
  • Contractual necessity (to deliver debt resolution services).
  • Legal obligations (financial regulations).
  • Legitimate interests (without overriding your rights).

Security of Your Personal Information

We use encryption, secure servers, and strict access controls to protect your data. Sensitive financial data is safeguarded through Secure Socket Layer (SSL) protocols.

External Websites

Our website may contain links to third-party sites. We are not responsible for their practices, content, or policies.

Public Forums

Information you share in public forums (blogs, message boards, etc.) may be used by others. You may request corrections or deletions.

Retention of Personal Information

We retain your data only as long as necessary for business, legal, or compliance purposes. Usage Data is retained for shorter periods unless needed for security or service improvements.

Transfer of Data

Your data may be transferred and stored outside your jurisdiction. We ensure secure transfers and compliance with applicable laws.

Business Transactions

If ClearDebt Pathway undergoes a merger or acquisition, your Personal Data may be transferred with advance notice.

Cookies and Similar Technologies

We use cookies, tracking technologies, and analytics tools to improve your experience. You may manage cookie settings in your browser.

Your Rights

  • Request access, correction, or deletion of your data.
  • Restrict or object to data processing.
  • Withdraw consent at any time.
  • File complaints with relevant authorities.

Contact us at privacy@cleardebtpathway.com to exercise these rights.

Service Providers

We engage trusted financial and technical partners under strict confidentiality to facilitate debt resolution services.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “effective date.” Continued use of services constitutes acceptance of changes.