Privacy Policy

1. Who This Policy Applies To

This policy is for individuals seeking debt relief, debt settlement, or related services through Creditor Consulting. It applies whether you contact us by phone, email, online, or in person.

2. Information We Collect

To help you reduce or restructure your debt, we may collect the following:

Any communication records between you and our team

• Your full name and contact details (phone, email, address)
• Government-issued identification (to confirm your identity)
• Details about your debts (creditors, balances, payment status)
• Employment and income information
• Banking details (for payment scheduling if applicable)

3. How We Use Your Information

We use your information to:

• Assess your eligibility for debt relief services
• Develop a personalized debt solution
• Communicate with creditors on your behalf (with consent)
• Facilitate and track repayment plans
• Provide ongoing support and updates
• Comply with legal or regulatory obligations

We only use your information for the purposes you’ve agreed to.

4. Consent

By using our services, you consent to the collection, use, and disclosure of your information as described in this policy. You can withdraw your consent at any time — although this may affect our ability to assist you.

5. Sharing Your Information

We only share your information with:

• Creditors or collectors (with your permission)
• Payment processors or third-party service providers involved in servicing your debt
• Regulatory authorities, if required by law

We do not sell your personal data.

6. Data Protection and Security

We safeguard your information using:

• Encrypted online forms and secure data storage
• Access controls and privacy training for staff
• Periodic reviews to ensure compliance with Canadian privacy laws

7. Your Rights

You have the right to:

• Access or correct your personal data
• Request that we delete your information (subject to legal limitations)
• Withdraw your consent to communications or data sharing
• File a complaint with the Office of the Privacy Commissioner of Canada (OPC)

8. How Long We Keep Your Data

We only retain your personal information for as long as needed to fulfill the purposes outlined in this policy, or as required by law.

9. Contact Us

If you have any questions or would like to access or update your information, please contact us at:

Creditor Consulting
 Email: support@creditorconsulting.com
 Phone: 1-888-301-0311