Privacy Policy

1. Introduction

ClearPaths Finance (“we,” “our,” “us,” or Company”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at clearpathsfinance.com, use our services, or otherwise interact with us. Please read this Privacy Policy carefully. By accessing our website or using our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

Register for our services or create an account
Request a consultation or contact us
Enroll in our debt settlement program
Subscribe to our newsletters or marketing communications
Otherwise communicate with us

This personal information may include:

Full name and contact details (email address, phone number, residential address)
Date of birth and age
Government-issued identification numbers (PAN, Aadhaar, etc.)
Employment information and income details
Bank account details and payment information

2.2 Financial Information

To provide our debt settlement services, we collect detailed financial information, including:

Credit card statements and account numbers
Loan agreements and outstanding debt amounts
Creditor information and collection agency details
Monthly income and expense information
Credit reports and credit scores
Assets and liabilities information

2.3 Automatically Collected Information

When you access our website, we automatically collect certain information about your device and browsing behavior, including:

IP address and device identifiers
Browser type and version
Operating system
Pages visited and time spent on our website
Referring website addresses
Clickstream data and browsing patterns

2.4 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your use of our website. Cookies are small data files stored on your device that help us improve your experience, analyze website traffic, and deliver personalized content. You can control cookie settings through your browser, but disabling cookies may limit your ability to use certain features of our website.

3. How We Use Your Information

3.1 Service Delivery

To assess your eligibility for our debt settlement programs
To create and manage your account
To develop customized debt settlement strategies
To negotiate with creditors on your behalf
To process payments and settlements
To provide customer support and respond to your inquiries

3.2 Communication

To send you important updates about your account and settlement progress
To notify you of changes to our services, policies, or terms
To provide educational content about debt management
To send marketing communications (with your consent)

3.3 Legal and Compliance

To comply with legal obligations and regulatory requirements
To protect our rights and interests
To prevent fraud and ensure security
To respond to legal requests and court orders

3.4 Business Operations

To improve and optimize our website and services
To analyze trends and user behavior
To conduct research and development
To maintain records and generate reports

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties. However, we may share your information in the following circumstances:

4.1 Creditors and Financial Institutions

We share necessary financial information with your creditors, banks, and financial institutions as required to negotiate debt settlements on your behalf. This information is limited to what is necessary for the negotiation process.

4.2 Service Providers

We engage trusted third-party service providers to assist with business operations, including:

Payment processors and banking partners
IT and data storage providers
Customer relationship management platforms
Marketing and analytics services
Legal and professional advisors

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.3 Legal Requirements

We may disclose your information when required by law, legal process, litigation, or government authorities. This includes:

Complying with court orders, subpoenas, or legal proceedings
Responding to requests from law enforcement or regulatory bodies
Protecting our legal rights and enforcing our terms
Investigating fraud, security issues, or violations of law

4.4 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the successor entity. We will notify you of any such change and ensure that your information remains protected under this Privacy Policy.

5. Data Security

We implement industry-standard security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction. Our security practices include:

Encryption of sensitive data during transmission and storage using SSL/TLS protocols
Secure servers with firewall protection
Role-based access controls limiting employee access to your information
Regular security audits and vulnerability assessments
Multi-factor authentication for account access
Employee training on data protection and confidentiality

Important Note: While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, and you transmit information to us at your own risk. We encourage you to use strong passwords and keep your account credentials confidential.

6. Data Retention

We retain your personal and financial information for as long as necessary to:

Provide our services and fulfill the purposes described in this Privacy Policy
Comply with legal, regulatory, tax, and accounting obligations
Resolve disputes and enforce our agreements
Maintain business records and documentation

Typically, we retain your information for a period of 7 years after the termination of our services, or as required by applicable law. Once the retention period expires, we will securely delete or anonymize your information.

7. Your Privacy Rights

You have certain rights regarding your personal information, subject to applicable laws:

7.1 Right to Access

You have the right to request access to the personal information we hold about you and obtain a copy of such information.

7.2 Right to Correction

You have the right to request correction of any inaccurate or incomplete personal information we hold about you.

7.3 Right to Deletion

You have the right to request deletion of your personal information, subject to certain exceptions (such as legal retention requirements or ongoing settlement negotiations).

7.4 Right to Object

You have the right to object to certain processing of your personal information, including for marketing purposes.

7.5 Right to Data Portability

You have the right to request that we transfer your personal information to another service provider in a structured, commonly used format (where technically feasible).

7.6 Right to Withdraw Consent

Where we process your information based on your consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the information provided in Section 13. We will respond to your request within 30 days. Please note that certain rights may be subject to limitations or exceptions under applicable law.

8. Third-Party Websites and Services

Our website may contain links to third-party websites, plugins, or services that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party websites you visit. This Privacy Policy applies only to information collected by ClearPaths Finance.

9. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete such information promptly.

10. International Data Transfers

Your information is primarily stored and processed in India. If we transfer your information to other countries, we will ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.

11. Marketing Communications

With your consent, we may send you promotional emails, newsletters, or SMS messages about our services, special offers, and educational content. You can opt out of marketing communications at any time by:

Clicking the “unsubscribe” link in our emails
Replying “STOP” to our SMS messages
Contacting us directly to update your preferences

Please note that even if you opt out of marketing communications, we will still send you essential service-related communications about your account and debt settlement program.

12. 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 will notify you of material changes by posting the updated Privacy Policy on our website with a new effective date and, where appropriate, by sending you an email notification. We encourage you to review this Privacy Policy periodically. Your continued use of our services after the effective date of the updated Privacy Policy constitutes your acceptance of the changes.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, or if you wish to exercise your privacy rights, please contact us at:

Website: clearpathsfinance.com
Email: info@clearpathsfinance.com
Phone: +91 9819032846 | +91 9617392846
Address: 1017 B Wing, Saifee Burhani Park, Anjeerwadi, Mazgaon, Mumbai 400010

We will investigate and attempt to resolve complaints and disputes regarding use and disclosure of personal information in accordance with this Privacy Policy and applicable data protection laws.