1. Introduction

HappyDebt (“we,” “us,” “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our platform and services. By accessing or using HappyDebt, you acknowledge that you have read, understood, and agree to the practices described in this Policy.

2. Information We Collect

We collect various types of information in order to provide and improve our services, including:

a) Information You Provide Directly

• Personal identifiers: first name, last name, email address and phone number

• Account credentials: username, password

• Meeting-related data: scheduled appointments, communication details

• Other information you submit through forms, messages, or support requests

b) Information Collected Automatically

• Device and browser information (type, version, IP address)

• Usage data (pages visited, features used, timestamps)

• Cookies and tracking technologies (see Cookie Policy section)

• Location data (where permitted by your device)

3. How We Use Your Information

We use your data for the following purposes:

• To provide, maintain, and improve our platform and services

• To send booking confirmations, meeting reminders, follow-ups, and other communications via SMS, email, or other channels

• To personalize your experience and communicate relevant updates

• To analyze usage trends and enhance functionality

• To comply with legal and regulatory obligations

• To detect and prevent fraud, abuse, or other malicious activity

4. Sharing and Disclosure of Information

We do not sell your personal information. However, we may share your data with:

• Service providers and partners who assist us in operating and improving the platform (e.g., hosting providers, messaging services)

• Legal authorities or other third parties when required by law, subpoena, or to protect our rights and safety

• Business transfers: in the event of a merger, acquisition, or sale of assets, your information may be transferred accordingly

All third parties are contractually obligated to protect your data and use it only for authorized purposes.

5. Your Rights and Choices

Depending on your jurisdiction, you have certain rights regarding your personal data. These include:

a) Access and Correction
You can request access to the personal information we hold about you and ask us to correct any inaccuracies.
b) Deletion
You may request that we delete your personal data, subject to certain legal exceptions.
c) Opt-Out of Marketing Communications
You can opt out of receiving marketing messages at any time by replying STOP to SMS, sending HELP for help, or following unsubscribe links in emails.
d) California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected, used, shared, or sold

• Right to request deletion of personal information

• Right to opt-out of the sale of personal information (note: we do not sell personal data)

• Right to non-discrimination for exercising your privacy rights

You may submit requests via partners@happydebt.com.

e) European Users (GDPR)

Where applicable, users in the European Economic Area (EEA) have rights under the General Data Protection Regulation (GDPR), including access, correction, deletion, restriction of processing, data portability, and objection to processing. Contact us for assistance.

6. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, alteration, and disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure.

7. Data Retention

We retain your personal data only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. When data is no longer needed, we securely delete or anonymize it.

8. Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience, analyze usage, and deliver relevant communications. See our [Cookie Policy] for detailed information and management options.

9. International Data Transfers

If you access HappyDebt from outside the United States, your data may be transferred to, stored, and processed in the USA. By using our services, you consent to such transfers.

10. Children’s Privacy

Our services are not directed to individuals under 18 years old. We do not knowingly collect personal information from children. If we become aware of data collected from minors, we will take steps to delete it.

11. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for their privacy practices or content. We encourage you to review their policies before providing personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When changes are made, we will revise the “Last Updated” date and notify you via the platform or email as appropriate. Continued use of our services constitutes acceptance of the updated Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at: partners@happydebt.com