Privacy Policy
This Privacy Policy describes how DebtForward.ca (“DebtForward,” “we,” “us”) collects, uses and discloses information in connection with the DebtForward.ca free assessment and referral service.
Information We Collect
We collect the information you choose to provide when you complete the DebtForward.ca assessment, including your approximate unsecured debt range, the general types of debt you select, whether you have a regular source of monthly income, and the contact details you submit on the final step (first name, last name, phone number, email address, postal code and preferred language).
We do not ask for your full street address, date of birth, Social Insurance Number, credit score, employer, exact income, monthly expenses, or any government identification. Those fields are intentionally not part of this assessment.
Information Submitted Through the Assessment
Your answers to the assessment questions (debt amount range, debt type selections, and income response) are used to route your inquiry and are not treated as a final qualification decision. [PLACEHOLDER: describe any additional processing once the Consolidated Credit Canada integration is finalized.]
Contact Information We Collect
On the final step of the assessment, we collect your first name, last name, phone number, email address, postal code and preferred language so that a Consolidated Credit Canada counsellor can reach you if you choose to submit a request.
Tracking and Attribution Information
When you arrive at DebtForward.ca, we may capture standard marketing and attribution parameters present in the page URL (for example utm_source, utm_medium, utm_campaign, click identifiers, and partner sub-IDs) so that referral partners can be credited correctly. These values are technical identifiers only — they are kept separate from the personal information you submit and are never combined with your name, email, phone number or postal code inside the browser, written back into the page URL, or written to browser storage.
How Information Is Used
We use the information you submit to operate the assessment, to refer your inquiry to Consolidated Credit Canada for a free consultation, and to maintain the security and integrity of this website. [PLACEHOLDER: expand with any additional internal use cases once finalized.]
Referral to Consolidated Credit Canada
DebtForward.ca is an independent referral website. If you submit the assessment, the information you provide is shared with Consolidated Credit Canada so that a credit counsellor may contact you to review your situation and discuss options that may be available. DebtForward is not Consolidated Credit Canada, is not a lender, and does not make credit or enrollment decisions.
Service Providers and Technical Processing
We may use third-party service providers to host this website and process submitted information on our behalf. [PLACEHOLDER: name specific processors, e.g. hosting provider, form-delivery provider, once finalized.] Any such providers are expected to handle information consistent with this policy.
Cookies and Analytics
This site may use cookies or similar technologies for basic functionality and analytics. [PLACEHOLDER: list specific analytics tools once an analytics integration is finalized.] Analytics events used by this site are designed not to include your name, email, phone number or postal code.
Data Retention
[PLACEHOLDER: retention period has not yet been determined. This section will state how long submitted information is retained and the basis for that retention period once approved.]
Security
We use reasonable technical and organizational measures intended to protect the information you submit. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Your Choices and Privacy Requests
You may choose not to provide certain information, though doing so may prevent you from completing the assessment. To ask a question about this policy or to make a privacy-related request, see Contact Us below.
Changes to This Policy
We may update this policy from time to time. Material changes will be reflected by updating the effective date below. [PLACEHOLDER: add notice method once determined.]
Contact Us
[PLACEHOLDER: business legal name, mailing address, and privacy contact email have not yet been supplied and will be added here before this page is treated as final.]
Effective Date
[2026]
DebtForward.ca is an independent referral website and does not provide loans. Individual suitability for credit-counselling services depends on your circumstances.