About Our App
This privacy policy applies exclusively to caplapp.org and the personal data we may collect. Debtoffapp.com reserves the right to update this policy from time to time. Any updates will be posted on this website.
Why We Contact You
We, along with our network of lenders and credit brokers, may contact you regarding the progress of your loan application. Unless you opt out, we may use phone calls, SMS, email, postal mail, and automated messages to communicate with you.
Legal Grounds for Processing Your Data
We process your personal data based on the following lawful grounds:
- Consent: By submitting a loan application on caplapp.org, you agree to be contacted by Debtoffapp.com and our partner lenders or brokers about your application. You can withdraw your consent at any time by clicking “Unsubscribe” in any marketing email or by emailing support@debtoffapp.com. Withdrawing consent does not affect the legality of processing carried out before the withdrawal.
- Contract: We process your data to fulfill our obligation to provide you with a loan quote based on your application.
- Legitimate Interest: We have a legitimate interest in sharing your application with our panel of lenders and brokers to provide you with relevant loan options.
How We Contact You
We may use phone, SMS, email, mail, and automated systems to provide updates, alerts, and information about your application. We may also receive personal data from third parties to offer relevant products and verify your details when needed.
Push Notifications
If you enable push notifications on your browser or mobile device, we may send marketing or service-related messages. You can adjust your push notification preferences in your device or browser settings.
Keeping Your Information Updated
You are responsible for ensuring the accuracy of your personal information. Please contact us to correct or update your information if it changes.
What Information We Collect
You can browse debtoffapp.com without submitting personal data. However, to receive a loan offer, we typically collect:
- Name and address
- Residential status
- Date of birth
- Email and phone number
- Income details and bank account information
- IP address
- Website activity data (to better understand usage)
We may also collect personal data when you contact us or use our services to help us respond to your inquiries and improve our offerings.
Additional Data We Track
We may record details such as pages you visit, referral sources, loan application data, and financial information. This helps us provide accurate loan quotes and enhance your experience. We do not keep your information longer than legally necessary and review it periodically.
Data Security
We take appropriate steps, including encryption, to secure your personal data. However, no online data transmission is completely secure. By using our website, you acknowledge and accept the associated risks and agree not to hold us liable for any breaches.
How We Use Your Data
We may use your personal data to:
- Provide access to and use of our services
- Personalize and enhance your experience
- Conduct market research
- Send you updates on products, services, or promotions
- Match your application with suitable lenders
- Analyze sales and compare data from other sources
- Request feedback via surveys
- Share data with marketing partners
Sharing Your Data
By submitting your loan application, you agree to the sharing of your data with:
- debtoffapp.com for communication and service improvement
- Our network of lenders and credit brokers
We may also share your data to comply with legal obligations, during legal proceedings, or if the business is sold. Third-party providers may use your data to evaluate your application and verify its accuracy.
Your Rights
Under data protection laws, you have the right to:
- Be Informed – This policy explains how we collect and use your data
- Access – Request a copy of your data, free of charge, typically within 30 days
- Rectification – Request corrections to inaccurate data (processed within 72 hours of verification)
- Restrict Processing – Limit use of your data during disputes or review
- Object – Refuse data processing based on your rights; marketing objections are processed within 48 hours
- Erasure – Request deletion of your data (fulfilled within 72 hours, subject to legal constraints)
- Data Portability – Receive and transfer your data in a machine-readable format within 72 hours
- Automated Decisions – Object to automated decisions and request human review
To exercise your rights, please contact us at support@debtoffapp.com. Identity verification will be required.
How Long We Keep Your Data
Data retention depends on its purpose:
- Opt-out preferences are stored to respect your communication choices
- Loan application information is retained for at least 6 years for potential complaint handling
How to Opt Out
You may unsubscribe from marketing communications at any time by clicking the unsubscribe link in any message. Processing may take up to 48 hours.
Requesting Data Removal
To request the deletion of your personal data, email support@debtoffapp.com. We will also notify our marketing partners of your request.
Complaints
If you have concerns or complaints regarding our handling of your data, please contact us at support@debtoffapp.com. We are committed to resolving issues promptly and respectfully.