Privacy Policy

When you contact us, we may collect: your name (optional - you may remain anonymous), contact details you choose to provide (email, phone), any information you share about your situation during our conversations, and your preferred method and times for contact.

For website usage, we collect basic analytics (pages visited, time spent, general location) and technical information needed to deliver the website to you.

To provide support: We use your contact information solely to communicate with you about your debt situation and provide the free advice you've requested.

To improve our service: We may use anonymised insights to better understand common debt challenges and improve our advice.

To maintain records: We keep confidential notes about our conversations to ensure continuity of support across sessions.

We do not sell, rent, or share your personal information with third parties.

Your conversations with Dr. Ben Houghton are confidential. We will only share information if you explicitly ask us to (for example, to help you contact a specific debt advice organisation) or if we are legally required to do so (which is extremely rare).

All communications are conducted through secure, encrypted channels. Notes from our conversations are stored securely and accessed only by Dr. Houghton. We use industry-standard security measures to protect against unauthorised access. Physical records are stored securely and destroyed when no longer needed.

You have the right to: request copies of any information we hold about you, ask us to correct any information that is wrong or incomplete, request that we delete your information (subject to any legal requirements), withdraw consent for us to contact you at any time, and remain anonymous during our conversations if you prefer.

Our website uses minimal, essential cookies to function properly. We do not use tracking cookies or share data with advertising networks.

We use basic analytics to understand how people use our website (such as which pages are most helpful), but this information cannot be used to identify you personally.

We may update this privacy policy occasionally to reflect changes in our practices or legal requirements. Any significant changes will be clearly communicated, and we will always maintain the same high standards of confidentiality and respect for your privacy.