Privacy Policy
1. Introduction
This Privacy Policy describes how DebtForward.ca (“DebtForward,” “we,” “us,” or “our”) collects, uses, discloses, stores, and protects personal information when you visit this website or submit a debt-related inquiry. Canadian privacy laws may apply to this processing, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.
2. Information We Collect
We may collect personal and contact information such as your first name, last name, email address, phone number, postal code, and preferred language. We may also collect debt-related information you provide, including your approximate total unsecured debt amount, the types of unsecured debt you select, and whether you have regular monthly income. In addition, we may collect technical and website information such as your IP address, browser and device information, referring source, pages viewed and interactions on the site, date and time of visit, advertising or attribution identifiers, and cookies or similar technologies.
We do not currently collect your full residential address, homeownership status, property value, mortgage balance, employment status, employer, exact or household income, credit score, banking information, Social Insurance Number, date of birth, government student-loan information, or SMS verification codes.
3. How We Use Information
We may use the information you submit to process your inquiry, evaluate the information provided, determine which services or options may be relevant to your situation, and facilitate a referral to an appropriate independent third-party provider. We may also use this information to allow a provider to contact you about your inquiry, operate and improve this website, prevent fraud and protect security, measure advertising and website performance, support attribution and analytics, and comply with applicable legal obligations. DebtForward does not itself approve consumers for any program and does not itself provide credit counselling or debt-management services.
4. Sharing and Disclosure
We may disclose the information you submit to independent credit counselling, debt-management, and related service providers for the purpose of responding to your inquiry, assessing available options, and contacting you regarding services relevant to your request. Once your information has been provided to an independent provider, that provider’s own privacy practices will govern its handling of your information.
We may also share information with service providers that help operate this website, including categories such as website hosting and infrastructure, form and data-processing services, analytics, advertising attribution, and security providers.
We may also disclose information where reasonably required by law, legal process, to investigate potential fraud or security issues, or to protect the rights, property, or safety of DebtForward, our users, or others.
5. Cookies and Tracking Technologies
This website may use cookies, pixels, attribution identifiers, and similar technologies to support website functionality, analytics, measurement of advertising performance, conversion attribution, and security. You can typically control or disable cookies through your browser settings, though doing so may affect certain features of this website.
6. Consent
By submitting information through this website, you authorize DebtForward to collect, use, and disclose that information for the purposes described in this Privacy Policy and in the consent presented to you at the point of submission.
You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. To withdraw consent or ask a question about this Privacy Policy, contact us at support@debtforward.ca.
7. Communications
If you submit an inquiry, we or a referred provider may contact you regarding that inquiry using the contact information you provided. If we send any commercial electronic messages, we will follow applicable identification and unsubscribe requirements.
8. Security
We use reasonable administrative, technical, and organizational safeguards appropriate to the sensitivity of the personal information we handle, and this website uses HTTPS encryption for information submitted in transit. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
9. Data Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to meet applicable legal, security, accounting, or operational requirements. After this period, information may be deleted, anonymized, or securely disposed of.
10. Access, Correction and Privacy Requests
You may contact us to request access to the personal information we hold about you, ask us to correct inaccurate information, request information about how your data has been used or disclosed, or withdraw your consent where applicable. Requests can be directed to our Privacy Officer at support@debtforward.ca, or by mail to 222 The Esplanade, Toronto, ON M5A 4M8, Canada.
11. International Processing
Some of the service providers who assist in operating this website may process information outside your province or outside Canada. As a result, your information may be subject to the laws of those jurisdictions.
12. Children’s Privacy
This website is not intended for use by individuals below the age of majority in their province of residence, and we do not knowingly collect personal information from children.
13. Changes and Contact
We may update this Privacy Policy from time to time. Material changes will be reflected by updating the date below.
Privacy Officer — DebtForward.ca
support@debtforward.ca
222 The Esplanade, Toronto, ON M5A 4M8, Canada
Last Updated: August 2026
DebtForward.ca is an independent referral website and does not provide loans. Individual suitability for credit-counselling services depends on your circumstances.
