1. Information We Collect

We collect personal information from you, including information about your:

• Identity: Name, date of birth, and photographic identification (if required for verification).
• Contact Details: Email address, physical address, and telephone numbers.
• Financial Information: Details regarding your current debts, creditors, income, expenses, assets, liabilities, and overall financial position.
• Interactions: Records of communications you have with us or our authorized licensees.

We collect this information directly from you when you fill out forms on our website, communicate with us via email or phone, or engage our services. With your explicit consent, we may also collect information about you from third parties, such as your creditors.

2. How We Use Your Information

We use your personal information strictly for the following purposes:

• To assess your financial situation and provide you with tailored debt restructuring and management services.
• To communicate with your creditors on your behalf (only with your explicit authorization).
• To connect you with an authorized Debt Rescuers licensee in your region who can assist you.
• To verify your identity and meet any legal or regulatory obligations.
• To improve our website, services, and internal operating procedures.

3. Sharing Your Information

Due to the nature of our business, we may need to share your information with trusted third parties to provide our services effectively. We may disclose your information to:

• Creditors and Financial Institutions: Only where you have authorised us to negotiate or communicate on your behalf.
• Authorized Licensees: Independent operators operating under the Debt Rescuers brand who are bound by strict confidentiality and privacy agreements to assist with your case.
• Service Providers: Third-party providers that host our website, manage our customer relationship management (CRM) systems, or provide secure data storage.
• Legal Authorities: If required by law, court order, or to protect our legal rights.

 

We will never sell your personal or financial information to third parties.

4. Storage and Security

We take the security of your data seriously. Your personal information is stored in secure, access-controlled digital environments. We employ industry-standard security measures to protect your information from unauthorized access, modification, disclosure, or loss.

5. Your Privacy Rights

Under the Privacy Act 2020, you have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong.

• Right to Access: You may request details of the personal information we hold about you.
• Right to Correction: If you believe that any information, we hold about you is inaccurate, out of date, incomplete, or misleading, you may request that it be amended.

6. Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in our standardized operating procedures or legal requirements. Any updates will be posted on this page, and we encourage you to review it periodically.

7. Contact Us

If you have any questions about this Privacy Policy, or if you would like to request access to or correction of your personal information, please contact our Privacy Officer at:

• Email: privacy@debtrescuers.co.nz