Privacy Policy

Information We Collect

When you use Wisdoma Bridgia's services, we collect information that helps us provide better debt management solutions. This includes details you provide directly and information we gather automatically through your use of our platform.

Personal Information You Provide

• Contact details including your name, email address, phone number, and mailing address
• Financial information such as income, expenses, debt amounts, and creditor details
• Government-issued identification numbers for verification purposes
• Banking information necessary for payment processing and debt management services
• Employment information including employer details and work history
• Communication preferences and feedback about our services

Information We Collect Automatically

Our website automatically collects certain information when you visit, including your IP address, browser type, device information, and pages visited. This helps us understand how you use our services and improve your experience.

How We Use Your Information

We use the information we collect to provide you with personalized debt management services, communicate with you about your account, and improve our platform's functionality.

• Creating and managing your debt management plan
• Processing payments to your creditors on your behalf
• Negotiating with creditors to reduce interest rates and payment amounts
• Providing customer support and responding to your inquiries
• Sending important updates about your account and payment schedules
• Analyzing usage patterns to improve our services and user experience
• Complying with legal requirements and regulatory obligations
• Preventing fraud and maintaining the security of our platform

Marketing Communications

We may send you educational content about debt management, updates about our services, and promotional offers. You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances to provide our services effectively and comply with legal requirements.

Service Providers

We work with trusted third-party companies that help us deliver our services. These include payment processors, technology providers, and professional service firms. All service providers are required to maintain the confidentiality of your information.

Creditors and Financial Institutions

To manage your debts effectively, we share relevant financial information with your creditors and their representatives. This is essential for negotiating payment plans and processing payments on your behalf.

Legal Requirements

• When required by law, court order, or government regulation
• To protect our rights, property, or safety, or that of our users
• In connection with legal proceedings or investigations
• To prevent fraud or other illegal activities

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, disclosure, or misuse.

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Secure servers with regular security updates and monitoring
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Encrypted data storage with restricted access controls

Administrative Safeguards

Our team receives regular training on privacy and security best practices. Access to your information is limited to employees who need it to perform their job functions, and all staff sign confidentiality agreements.

Physical Safeguards

Our offices and data centers have controlled access, security cameras, and other physical security measures to prevent unauthorized access to systems containing your information.

Your Privacy Rights

Under Australian privacy law, you have several rights regarding your personal information. We're committed to helping you exercise these rights easily and effectively.

Access and Correction

You can request access to the personal information we hold about you at any time. If you find any inaccuracies, you can ask us to correct them. We'll respond to your request within 30 days and provide the information free of charge in most cases.

Data Portability

You can request a copy of your personal information in a structured, commonly used format. This allows you to transfer your data to another service provider if you choose.

Deletion Requests

You can request that we delete your personal information, subject to certain legal and contractual obligations. We'll consider each request individually and explain any limitations that might apply.

• Right to know what personal information we collect and how we use it
• Right to access your personal information
• Right to correct inaccurate information
• Right to request deletion of your information
• Right to object to certain uses of your information
• Right to file a complaint with the Office of the Australian Information Commissioner

Data Retention

We keep your personal information only as long as necessary to provide our services and meet legal requirements. Different types of information are retained for different periods based on their purpose and legal obligations.

Account Information

We retain your account information for the duration of your debt management plan plus seven years after completion, as required by Australian financial services regulations.

Communication Records

Records of communications with you are kept for three years after your last interaction with us, unless longer retention is required for legal or regulatory purposes.

Financial Records

Financial transaction records and payment history are retained for seven years after the transaction date, in compliance with Australian taxation and financial services laws.

Website Usage Data

Website analytics and usage data are typically retained for two years, after which they're either deleted or anonymized so they can't be linked back to you.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and help us understand how visitors use our site.

Types of Cookies We Use

• Essential cookies that are necessary for the website to function properly
• Performance cookies that help us understand how visitors interact with our website
• Functional cookies that remember your preferences and settings
• Targeting cookies that help us show you relevant content and advertisements

Cookie Management

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, some website features may not function properly without cookies.

Children's Privacy

Our services are designed for adults who can enter into legally binding agreements. We don't knowingly collect personal information from children under 18 years of age.

If we discover that we've collected personal information from a child under 18, we'll delete that information immediately. If you're a parent or guardian and believe your child has provided us with personal information, please contact us using the details below.

Parents and guardians should supervise their children's online activities and teach them about sharing personal information safely on the internet.

International Data Transfers

While we primarily store and process your information in Australia, some of our service providers may be located overseas. When we transfer your information internationally, we ensure it receives the same level of protection as it would in Australia.

Safeguards for International Transfers

• We only transfer data to countries with adequate privacy protections
• Service providers must contractually agree to protect your information
• We conduct regular reviews of overseas service providers' security practices
• Data transfers are limited to what's necessary for service delivery

Currently, some of our technology infrastructure is hosted in the United States and European Union, which have been recognized as having adequate privacy protections for personal information transfers from Australia.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We'll notify you of any significant changes in several ways.

How We'll Notify You

• Prominent notice on our website at least 30 days before changes take effect
• Email notification to your registered email address
• In-app notification when you next log into your account
• Update to the "Last Updated" date at the bottom of this policy

We encourage you to review this privacy policy periodically to stay informed about how we protect your information. Your continued use of our services after changes become effective means you accept the updated policy.