Privacy policy
1.1 Users shall register online on debtcatcher.com, following which a User’s Account will be created. The User shall choose a User name and a password during Registration. User names and passwords shall be kept confidential and shall not be transferred or ceded to third parties for use.
1.2 Debtcatcher.com will be accessible only to whom the information demanded during Registration has been truthfully, completely and verifiably furnished. Registration information comprises information relating to the User and contact data, particularly as far as they relate to postal address and information regarding a valid email address and if applicable, other information and declarations.
1.3 Debtcatcher.com reserves the right to verify Registration information through the submission of adequate documents as well as reject incomplete or non-verifiable Registrations.
2.1 Debtcatcher.com may temporarily or permanently exclude a User from using debtcatcher.com site and/or deprive it of access on a temporary or permanent basis as well as delete the Registration, if:
(a) there are sufficient indications implying that the User is violating statutory provisions, third-party rights or the Terms and conditions of usage or that such a breach is impending, and the User fails to correct the breach immediately in spite of warning,
(b) the Prohibition of circumvention has been breached,
(c) Debtcatcher.com has called on the User to furnish proof of its identity and the User fails to furnish such proof within an adequate period in spite of having been warned of an impending exclusion,
(d) the User has furnished incomplete or false information during Registration and fails to complement or correct such information within an adequate period in spite of being requested to do so.
2.2 Exclusion from usage shall be without prejudice to the obligation of the User to pay agreed Fees and other rights of Debtcatcher.com.
Data protection declaration
Debtcatcher.com protects your privacy and your personal data. Debtcatcher.com collects, processes and uses your personal data in accordance with the content of these data protection provisions and the applicable data protection laws.
It is regulated under this data protection declaration, which personal data about you are collected, processed, and used. For this reason, Debtcatcher.com urgently asks you to read the subsequent explanations thoroughly.
3.1) Personal data in terms of this data protection declaration are individual items of data about your private or factual circumstances. This includes in particular your name, your email address, your address, and your telephone number as well as your account data.
3.2) Personal data includes also information about your usage of our website. In this context, Debtcatcher.com collects personal data about you as follows: information about your visits of the website such as the amount of data transferred, the location from where you retrieve data from the website, as well as other communication data and sources that you retrieve. Normally, this is done through the application of logfiles and cookies. More information about logfiles and cookies is given in clause 5.
Debtcatcher.com uses your personal data for the following purposes:
4.1) In order to provide the following services:
– for responding user requests,
– for billing purposes
– for technical administration
4.2) In order to ensure that our website is presented in a way that is as effective and interesting as possible to you, e.g. storage of displaying preferences.
4.3) In order to guarantee the operation of our website, in particular to determine and resolve mistakes of the website, to observe the occupancy rate of the website and to perform adjustments or improvements.
4.4) In order to meet our legal obligations, e.g. determination of a violation against penal provisions, competition law, third-party rights, protection of minors, consumer protection.
4.5) In order to inform you about modifications of our services.
5.1) With every access to our page, we collect the following information about your computer: the IP-address of your computer, the inquiry of your browser as well as the time of this inquiry. Besides that, the status and the data volume transferred in the course of this inquiry are captured. [We also collect product and version information about the utilized browser and the operating system of your computer. We furthermore capture from which website the access to our page occurred.] Thereby, the IP-address of your computer is saved only for the duration of your utilization of the website and is thereafter instantaneously deleted or anonymized by truncation. The remaining data is saved for a limited duration.
5.2) Moreover, we possibly collect information about your utilization of our website by applying so-called browser-cookies. These are small text files, which are saved on your data carrier and save certain settings and data necessary for the exchange with our system via your browser. A cookie normally contains the name of the domain from where the cookie-data was sent as well as information about the age of the cookie and an alphanumeric identification character. Cookies enable our systems to recognize the device of the user and to immediately make eventual default settings available. As soon as a user accesses the platform, a cookie is transmitted to the hard drive of the user’s computer. Cookies help us to improve our website and that we can offer you a better service that is even more tailored to you. They allow us to recognize your computer, if you return to our website and as a result:
(a) To save information about your preferred activities on the website and thereby align our website with your individual interests. This includes for instance advertisement, which complies with your personal interests;
(b) To accelerate the speed of the execution of your inquiry.
5.3) In the cookies that we use, only the above exemplified data about your utilization of the website are saved up to one year. This does not happen through an allocation to you personally, but through assignment of an identification number to the cookie (“Cookie-ID”). A merger of the cookie-ID and your name, your IP-address, or similar data, which would enable an allocation of the cookie and you, does not take place. How you can prevent the application of browser-cookies, you find out in clause 10.
5.4) We collaborate with Google Analytics, who support us in designing our internet offering and the website more interesting for you. Therefore, also cookies from those partner companies are saved on your hard drive at a visit on the webpage. Here it involves cookies that get deleted automatically after a prescribed time. Also through the cookies of our partner companies, data are collected only using a cookie-ID, which enables our advertising partners to address you with advertisement that you could actually be interested in. How you can prevent the application of such cookies, you find out in clause 10.
6.1) All information that you transmit to us, are saved on servers within the European Union. Unfortunately, the transmission of information via the internet is not completely safe, wherefore we cannot guarantee the security of the data that is transmitted to our website via the internet. However, we secure our website and other systems through technical and organizational measures against loss, damage, access, alteration, or distribution of your data through unauthorized persons. In particular, your private data is transmitted encrypted with us. In doing so, we help ourselves with the coding system SSL (Secure Socket Layer).
6.2) Insofar as Debtcatcher.com engages external service providers, Debtcatcher.com ensures that they are obligated to the compliance with data protection regulations. Besides that, the employees of Debtcatcher.com are obligated to maintain confidentially.
Debtcatcher.com will not pass on your personal data to third parties unless you have consented to the transfer of data or we are authorized or obliged to transfer the data due to legal regulations and/or official or judicial orders. This can be, in particular, the provision of information for purposes of law enforcement, security or to enforce intellectual property rights.
The website can contain hyperlinks to and from websites of third parties. If you follow a hyperlink to one of these websites, please note that we do not assume responsibility or guarantee for external content or data protection regulations. Please make sure of the respectively current data protection regulations, before you transmit personal data to these websites.
We reserve the right to modify these data protection regulations at any time with future effect. A recent version is always available on the website. Please visit the website regularly and inform yourself about the current data protection regulations.
10.1) If you do not wish an application of browser-cookies, you can adjust your browser so that a storage of cookies is not accepted. Please note that in this case, you can use our website only limited or not at all. If you want to accept our cookies only, and not the cookies of our service providers and partners, you can choose the setting “block cookies from third-party providers” in your browser.
10.2) It is drawn to your attention that the collection, processing, and use of your data takes place on a voluntary basis. You can, at any time and free of charge, access your personal data, request disclosure and if necessary request its correction and/or inhibition. For this purpose and/or to receive more information about this, contact us via the support-email-address: legal@debtcatcher.com.
If you have questions, comments, or requests regarding the collection, processing, and use of your personal data through us, please contact us at the indicated contact details as well.
10.3) Furthermore, you can refuse your agreement to the collection, processing, and use of your data or revoke it at any time with future effect with the consequence that you are excluded from the usage of Debtcatcher.com.
Declarations of revocation are to be directed to: legal@debtcatcher.com
Your rights as a data subject (user of our website)
You have the right to know which data we have stored about you and for what purpose (information). You may have incorrect data corrected (rectification). You also have the right to request the deletion of data if, for example, the data is not required to achieve the purposes for which it was stored or if we are not permitted to store the data for other reasons (deletion). However, if a law allows us to store data or even prescribes it, we are typically unable to comply with the request for deletion. You have the right to have data blocked if, for example, the correctness of data has not been determined and still needs to be checked (restriction of processing). You can object to the processing (objection). This objection must contain an explanation of the particular situation on the basis of which further processing is unacceptable to you. The objection will be carefully examined and the data will be blocked for the duration of the examination. You have the right to request data which you have made available to us and which is processed automatically in a common, machine-readable format from us (data portability).
If you wish to exercise one or more of these rights, please use the following e-mail address:
legal@debtcatcher.com
At Debtcatcher.com we take the security and protection of your personal data very seriously. This Privacy Policy (“Privacy Policy”) describes how we, Debtcatcher.com will manage any personal data that you may provide to us via your use of our websites, social media sites, application form, request brochure form, forms, or other methods (collectively, “Sources”). By using the Sources, you are acknowledging that you have read and understand and are agreeing to the terms and conditions of this Privacy Policy and expressly consent to our collection, use and disclosure of your personal information, as described in this Privacy Policy.
We may use the personal information collected through the Sources to email you newsletters and other relevant information from time to time.
We reserve the right to change this Privacy Policy. Any such changes will be posted here, and such changes will be effective immediately. Your continued use of the Sources constitutes your acceptance of such changes and agreement to be bound by the modified Privacy Policy. Accordingly, we recommend that you review this Privacy Policy periodically when accessing or using the Sources.
This Privacy Policy was updated on: 28th April 2020
What information we collect and how
When you access and use the Sources, we may directly or indirectly collect information that identifies or relates to you, which includes, without limitation:
Contact and Demographic Information
Information on how to contact you, including your e-mail address, your name, mailing address, zip code, mobile or other phone number and certain demographic information such as date of birth, age and gender.
We most commonly collect your contact and demographic information directly from you, when you chose to provide it with us – for example, by registering or emailing our Company with question – or when you chose to interact with our Sources – for example, by publishing an ad. We may also collect your contact and demographic information through social media networks.
Usage Information
Information about your Internet connection, browser, computer or mobile or other device, your IP address or device ID, device or geographic location, traffic sources, and information on how you use and interact with the Sources, such as the pages, features or content you access. When you access the Sources, we may also collect certain information such as website usage patterns and statistics automatically through the use of cookies and other technologies.
Comment Information
Information you choose to provide when using features of the Sources which allow you to comment on content or otherwise submit commentary, feedback, recommendations, ratings or other items through the Sources (collectively, “Comment Features”). Please use caution when posting through Comment Features, as all information posted to these portions of our Sources, including any user ID or profile picture associated with your comment, is public information and may be read, collected and used by other users.
Social Media and Third Party Apps
If you link your social media profiles and accounts to the Sources, or otherwise interact with the Sources through social media networks (e.g., by sharing content through your social media account), information may be made available to, and collected by, the Sources and furthermore through those social media profiles and accounts.
How we use personal information
We use the personal information collected to provide you with the content, services and offerings you request, to deliver a more relevant experience and to satisfy our business purposes and needs. This may include, without limitation, using that information in connection with:
Transaction Fulfillment
Providing you with the offerings, content, services, or information you have requested, and responding to your inquiries, requests and comments. This may include, without limitation, sending you the Debtcatcher.com content that you have requested and responding to your inquiries.
Business Purposes and Research
Analysing and improving our content and other offerings, as well as our business and audience, evaluating products and services that may be of interest to you, and carrying out internal purposes and research and otherwise operating our business. This may include aggregating information regarding you across our entire user base or part of our user base.
Promotional Purposes
Providing you with special offers, promotions and information about Debtcatcher.com and offerings to you, primarily via email. We may also send you newsletters, information and promotions regarding our services, products and offerings, If you wish to stop receiving promotional emails from us, you can opt out of future mailings by requesting us to unsubscribe you. Although we strive to update our email list as frequently as possible, you might receive another promotional email before we are able to remove you from our lists.
Compliance and Protection
Complying with our obligations under law and protecting the rights, property or safety of Debtcatcher.com, employees, subscribers, users and others. This may include enforcing or applying our Terms of Use and other agreements and cooperating with any legal process or investigate or governmental requires.
How we share information
Except as described in this Privacy Policy or in other situations where we have provided you with clear prior notice, Debtcatcher.com does not sell, rent or otherwise share your name, e-mail address, or any other personal information regarding you to unaffiliated third parties. We may, however, share information for the following reasons and with the following persons:
Affiliates
We may share your personal information with Debtcatcher.com affiliates, and or suppliers as part of our and our affiliates’ efforts to provide a more personalized experience. These affiliates may combine the personal information we have shared with other personal information they have collected regarding you. This may include receiving and using information about your Debtcatcher.com registrations and preferences
Social Media and Third Party Apps
We may share information with social networks when you interact with the Sources (e.g., a clicking a Facebook “like” button) or connect your social media accounts to the Sources. If you elect to connect Third Party Apps to the Sources, your information may also be shared with these third parties. Please see below for more information on this, as we do not control these third parties or their privacy practices.
Corporate Transactions
In the event of a reorganization, merger or sale of Debtcatcher.com or any of its affiliates, we may transfer any and all personal information we have collected to the relevant third party.
Agents and Service Providers
We employ other companies and individuals to perform functions on our behalf. Examples include, without limitation, creating and maintaining our Sources, sending e-mails, managing and updating subscriber lists, analyzing data, providing marketing assistance. These service providers may have access to your personal information in order to perform their functions, but are not permitted to use it for other purposes.
Compliance and Protection
We reserve the right to disclose any personal information we have concerning you if we determine doing so is necessary or desirable to: comply with our obligations under the law or in connection with any legal process or investigative or governmental requests; enforce or apply our Terms of Use and other agreements; or protect the rights, property, or safety of Debtcatcher.com, its affiliates, employees, subscribers, users, or others. This includes exchanging information with other companies and organizations for fraud protection, as well as providing information to law enforcement and governmental authorities.
Aggregated Information
We may also share aggregated statistical data with partners that includes your demographic or other information but does not identify you. We reserve the right to provide any and all such aggregated and de-identified data to third parties.
Third party and apps
While the Sources may contain links to other sites, products or services, please note that when you click on one of these links, you are ‘clicking’ away from the Sources and accessing a third party’s website, app or other digital property. Please understand that these third parties may collect information about you which will be used under their privacy policies. We encourage you to read the privacy polices of these third parties, as their practices may differ from ours. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OR THE COLLECTION OR USE OF YOUR INFORMATION FROM ANY SUCH THIRD PARTIES.
Unsubscribing from marketing activities
For the purposes of marketing, Debtcatcher.com is relying on consent and/or legitimate interest. You can exercise the right to unsubscribe from these activities, or to change or delete your personal information at any time by writing to us at info@debtcatcher.com. Include ‘Data’ in the subject heading and your full name in the content of your email.
How to contact debtcatcher.com
If you have questions regarding our Privacy Policy or our Sources, please contact us by emailing info@debtcatcher.com. Your feedback is always welcome and appreciated.