Privacy Policy

Last updated: October 2026

1. Introduction

Talk Debt ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website.

By using our website, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

We may collect information you voluntarily provide, including:

  • Messages submitted to our positivity wall (message content and optional name)
  • Any information you provide when contacting us

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information, including:

  • Pages visited and time spent on pages
  • Referring website (how you found us)
  • Browser type and device information
  • Approximate geographic location (country level only)
  • Anonymised IP address (we hash your IP address for privacy)

3. How We Use Your Information

We use the information we collect to:

  • Display approved positivity messages on our website
  • Understand how visitors use our website to improve our content
  • Monitor which resources are most helpful to our visitors
  • Ensure the security and proper functioning of our website

We do not sell, trade, or rent your personal information to third parties.

4. Data Storage and Security

Your data is stored securely on servers located in the United Kingdom. We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction.

Positivity wall messages are reviewed before publication and may be stored indefinitely unless you request removal.

5. Your Rights

Under UK data protection law (UK GDPR), you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Object to processing of your information
  • Request restriction of processing
  • Data portability

To exercise any of these rights, please contact us using the details below.

6. Third-Party Links

Our website contains links to external organisations such as debt advice charities, mental health services, and regulatory bodies. We are not responsible for the privacy practices of these external websites. We encourage you to read their privacy policies.

7. Cookies

We use cookies and similar technologies to improve your experience on our website. For more information, please see our Cookie Policy.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

9. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us at:

Email: [email protected]