How debtor personal and financial data is collected, used, shared with creditors and retained.
Last updated: 17 September 2026
PRIVACY NOTICE — mydebtclearer (mydebtclearer.com)
1. Who we are
mydebtclearer (mydebtclearer.com) operates an automated direct payment plan manager that prepares and dispatches repayment proposals to creditors on a customer's instruction. We are the data controller for the personal data described below.
2. Data we collect
- Identity data: name, partner name (joint plans), email address, account type.
- Financial data: income, partner income, itemised expenditure, debt balances, creditor details, affordability calculations.
- Authorisation data: electronic signature name, timestamp and IP-derived audit records.
- Plan data: proposals sent, creditor responses, mandates, payment schedules, plan events.
3. Why we use it (lawful bases)
- Performance of a contract: building your budget, calculating pro-rata offers, dispatching proposals, tracking your plan.
- Legitimate interests: service security, fraud prevention, audit logging, product improvement.
- Consent: optional marketing and referral communications (withdrawable at any time).
4. Who we share it with
- Your named creditors and their collections agents, limited to the information needed to assess an offer (income and expenditure summary, debt schedule, pro-rata offer).
- Our hosting, database and email delivery processors, under written processing terms.
We do not sell personal data.
5. Retention
Active plan data is retained for the life of the plan and for six years afterwards to evidence payments and correspondence. Sandbox and test data is deleted on request.
6. Your rights
Access, rectification, erasure, restriction, portability, objection, and the right to withdraw consent. To exercise these, contact the data protection contact below. You may complain to the Information Commissioner's Office (ico.org.uk).
7. Contact
Data protection contact: privacy@mydebtclearer.com
Last updated: 17 September 2026.