1. Introduction
At Pacific Debt University (“PDU,” “we,” “our,” or “us”), we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, and safeguard the information you provide when accessing our website and services. By using our site, you agree to the practices described in this policy.
2. Information We Collect
We may collect two types of information from users:
- Personal Information
- Name, email address, phone number, or other details provided through forms, surveys, or direct communication with us.
- Non-Personal Information
- Data such as your IP address, browser type, device information, and site usage patterns, collected automatically through cookies or analytics tools.
How We Collect Information:
- Through direct user input (e.g., sign-ups, contact forms)
- Automatically via cookies and tracking technologies
3. How We Use Your Information
We use the information collected for the following purposes:
- To provide and improve our educational services and resources
- To respond to inquiries and support requests from users
- To analyze site performance and enhance user experience
- To send newsletters, updates, or promotional materials (only with your consent)
4. Sharing and Disclosure of Information
We respect your privacy and only share your information under the following circumstances:
- Third-Party Service Providers
- We may share information with trusted service providers who help us operate our website or deliver services (e.g., hosting, analytics, or email communication platforms). These providers are contractually obligated to keep your information secure and use it only for the purposes specified by us.
- Legal Obligations
- We may disclose your information when required by law, such as in response to a court order, subpoena, or other legal processes.
- Protection of Rights
- If necessary, we may share information to protect our legal rights, enforce our terms of service, or prevent potential fraud or security threats.
5. Cookies and Tracking Technologies
Cookies and similar tracking technologies help us improve user experience and analyze site performance.
- Types of Cookies We Use:
- Essential Cookies: Necessary for website functionality.
- Performance Cookies: Help monitor site traffic and optimize usability.
- Functional Cookies: Enhance user experience by remembering preferences.
- Targeting Cookies: Used for delivering personalized content or advertisements.
- Managing Cookies
- You can manage or disable cookies through your browser settings. Note that disabling cookies may affect site functionality.
6. Data Security
We take the protection of your information seriously. Measures include:
- Encryption protocols to safeguard sensitive data
- Secure servers and access controls to prevent unauthorized access
- Regular monitoring for vulnerabilities and threats
However, no method of data transmission over the internet can guarantee absolute security. By using our site, you acknowledge this inherent risk.
7. User Rights
As a user of Pacific Debt University, you have the following rights regarding your personal information:
- Access and Correction
- You can request access to the personal information we hold about you and ask for corrections if it is inaccurate or incomplete.
- Deletion
- You may request that we delete your personal data, subject to any legal obligations requiring us to retain certain records.
- Opt-Out Options
- You have the right to opt out of receiving newsletters or promotional communications by following the unsubscribe instructions in our emails or contacting us directly.
- GDPR/CCPA Rights (if applicable)
- Users under the GDPR or CCPA have additional rights, such as data portability or restricting the processing of personal information. Contact us for assistance.
8. Third-Party Links
Our website may contain links to third-party websites or services for your convenience. These third-party sites operate independently of Pacific Debt University and are governed by their own privacy policies.
We are not responsible for the privacy practices or content of these external sites. We encourage you to review their policies before providing any personal information.
9. Children’s Privacy
Pacific Debt University does not knowingly collect personal information from children under the age of 13 (or as defined by applicable laws). If we become aware that we have inadvertently collected such data, we will take steps to delete it promptly.
Parents or guardians who believe their child has provided personal information should contact us immediately.
10. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices or for other operational, legal, or regulatory reasons.
- Notification of Changes
- Significant updates to the policy will be announced on our website or via email (if you have subscribed to communications).
- Encouragement to Review
- We encourage you to periodically review this page to stay informed about how we are protecting your information.
11. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy, please feel free to contact us:
Email: [email protected]
We are committed to resolving any issues and ensuring your privacy concerns are addressed promptly.
12. Consent
By using our website, you consent to this Privacy Policy and agree to its terms. If you do not agree, please discontinue use of our site and services immediately.