A cookie is a very small file that is downloaded when you visit a website. See What are cookies.com for more information.
Debt Camel does not use any advertising cookies – there isn’t any advertising.
Debt Camel uses “third-party cookies”, set by an analytics company. The information collected is non-personal information – I cannot identify you from it. It is used for creating statistics which help me to improve the site, for example by knowing which pages are most frequently viewed and the number of visitors who access Debt Camel through their mobile. Debt Camel works perfectly well if you choose to block these cookies through your browser, or by using tools such as Google Analytics Opt Out.
On some pages, there may be “embedded content” from another site such as a YouTube video or Twitter. These sites may set their own cookies.
Privacy, Data Access and Comments Policy
There are three places on the Debt Camel site where you may choose to provide personal information:
1 Leaving a Comment on an article
By leaving a comment, you accept:
- that it will be published it at the bottom of the article;
- that I may use information from your comment in later research;
- that I may also use it in other articles on an anonymous basis where you cannot be identified.
The “Name” field is published, so you should consider using just your first name or an alias if your comment contains sensitive information. If you accidentally used your full name, please leave another comment asking me to delete your surname.
The “Email Address” is not published and I do not verify email addresses.
I can see your IP address when you leave a comment. This is not published. It helps me tell when someone is posting multiple comments; it may sometimes help me to identify trolls, and it can indicate if someone is posting from outside the UK.
It is my decision whether or not to publish comments and whether to edit them. As general guidelines:
- I do not publish comments that I consider are offensive, unhelpful, promoting an unwise course of action, spammy or simply unkind.
- I may shorten long comments or put several of your comments into a single one.
- I operate a policy that commenters are not allowed to name a junior employee at a firm, including the names of Adjudicators at the Financial Ombudsman. I may edit your comment to delete a name.
- I sometimes delete old comments if I consider this will improve the experience of people reading these pages.
- I will sometimes later move your comment to a more relevant page.
2 Subscribing to Debt Camel
If you subscribe to Debt Camel you will receive an email asking you to confirm this. If you agree, you will then receive an email when a new article is published (or when a comment is added to a page if that is what you subscribed to).
If you no longer wish to receive these email notifications, at the bottom of each email there is an Unsubscribe option which will delete your email address from the subscription list.
I do not send any newsletters.
3 Using the Contact form
You do not have to provide your real name. If you don’t provide a real email address I am unable to reply to you.
I do not reply to offensive or marketing Contacts and I do not give debt advice by email, see the Contact page for further details.
By sending me a message you consent to me retaining the information in my email system, and also to retaining any subsequent exchange of emails. I may use this information in later research. I may also use it as background information in articles if it is possible to do so on an anonymous basis so you cannot be identified.
Accessing your data (Subject Access Request)
If you want to see a copy of the information I hold about you, please email me at
and specify the Name and Email Address you used so I can locate your information. I will respond within a month.
Please note that I delete all emails sent to that address unless they relate to data privacy and access to information requests. To contact me about any other matter, please use my contact form.
The email requesting a copy of your data needs to come from the email address you used, so I can be sure that I am not sending personal data to the wrong person.
If you no longer have access to the email account you used, you can email me from a different account but you will need to specify the email address you used or I will not be able to locate the information. I will only send you this information if you used your first name and surname on the data and if you provide me with proof of your identity such as a photograph of your passport or driving license to confirm this name.
The data controller for Debt Camel is Sara Williams. My ICO registration number is: ZA323186.
If you have any concerns about your personal data, please notify me at the above email address and explain what information you would like corrected or deleted.
If you arrived at Debt Camel from a third party site, I am not responsible for the privacy policies and practices of the owners or operators of that third party site.
Debt Camel contains many links to outside sites. I am not responsible for the privacy policies and practices of other sites linked to.
You must check the policy of each site you visit and contact it if you have concerns or questions.
Licensing & Copyright
The Debt Camel name is trademarked.
I have copyright over all the text in the articles.
- If you are a non-commercial organisation, you may quote small pieces from a Debt Camel article (but not reprint whole articles) freely if you credit me appropriately, see Creative Commons Attribution-NonCommercial-NoDerivs for details. If you are unsure please contact me – and I will probably be happy to share what you are producing!
- If you are a commercial organisation, please contact me.
The pictures in Debt Camel come from a wide variety of sources. A few have no copyright restrictions but many of them do. If you want to use a picture in an article you are writing, please contact me. You can share pictures on Pinterest or elsewhere if you link back to the relevant Debt Camel page.
This page is kept updated.