Last updated: January 15, 2026
1. Introduction
Debtsgo.ca and Ken Rowan (“we”, “us”, or “our”) operate the website debtsgo.ca, including the BIA Navigator service. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in accordance with Canadian privacy laws.
By using this website, you consent to the practices described in this policy.
2. Information We Collect
a) Chatbot interactions
When you use BIA Navigator, we may temporarily retain:
- Questions submitted to the chatbot
- Responses generated by the chatbot
These interactions are anonymous and are retained only for purposes such as quality assurance, troubleshooting, analytics, and improving the service. These interactions may be reviewed by the site operator for those purposes. Users should not include personal, confidential, or sensitive information in chatbot submissions.
We do not require users to provide names or contact information to use the chatbot.
b) Contact form information
If you contact us through a form on the site, we may collect:
- Your name
- Your email address
- The content of your message
This information is used only to:
- Respond to your inquiry
- Improve the website or BIA Navigator
c) Email communications
If you choose to subscribe to updates or communications:
- Your email address may be used to provide site updates, service announcements, or related information
- You may unsubscribe at any time
We do not sell or rent email addresses.
d) Analytics and usage data
We may collect non-identifying information about site usage, including:
- Pages visited
- Time spent on the site
- General geographic location
- Device and browser information
This information may be collected using tools such as Google Analytics and Botpress analytics.
e) Cookies
We may use cookies or similar technologies to:
- Enable basic site functionality
- Understand how visitors use the site
- Improve performance and user experience
You can control or disable cookies through your browser settings.
3. Paid Services
If we introduce paid access to BIA Navigator in the future:
- Users may be required to create an account
- Payments will be processed by a third-party payment processor (such as Stripe)
- We will not store credit card or payment information
Any additional data collection will be described at that time.
4. How We Use Information
We use collected information to:
- Operate and maintain the website
- Improve BIA Navigator and site functionality
- Respond to inquiries
- Communicate updates (where consent is given)
- Monitor usage and performance
5. Disclosure of Information
We do not sell personal information.
Information may be shared:
- With service providers who assist in operating the site (e.g., analytics, hosting, payment processing)
- Where required by law
Service providers are required to handle information in a manner consistent with this policy.
6. Data Retention
Information is retained only as long as reasonably necessary for the purposes described above, unless a longer retention period is required by law.
7. Security
We take reasonable measures to protect information from unauthorized access, disclosure, or misuse.
However, no internet transmission or storage system is completely secure.
8. Changes to This Policy
We may update this Privacy Policy from time to time.
Changes will be posted on this page with an updated revision date.
9. Contact
Questions about this Privacy Policy may be directed through the contact form on this site.