Privacy and terms

We are committed to protecting the privacy and security of your personal information.

Privacy and terms

The business of www.debtadvisoryhelpline.co.uk is the provision of professional services and involves the collection of Personal Information from individuals who may be interested in a specific type of service. Where appropriate, we share this personal information with who are businesses that also provide services in the area for which the personal information was collected.

We use advertising, for example on social media sites, to attract individuals that may be suited for our business products or services, or those of our carefully selected partners. We are up front and open about what we do, and this Privacy Policy sets out how we collect your personal data, what we do with it, who we give it to, how we keep it safe and how long we store it for. Although we sell personal data, we believe that transparency is important, and we strive to do our best to protect your personal information in accordance with this Privacy Policy.

DEFINITIONS
When we talk about ‘us’, we mean debtadvisoryhelpline.co.uk and the entity detailed in the Schedule at the end of this policy. We are the operator of this website. When we talk about ‘you’, we mean the person using this website or services of this website or participating in any surveys, questionnaires or quizzes produced by this website.

‘Personal data’ or ‘personal information’ is information that directly identifies you, such as your name and email address, or data that could be used, on its own or in combination with other data, to identify you.

It is very important to us to protect your personal data and to use it strictly in adherence with applicable privacy and data protection laws.  When we do, we are regulated under the General Data Protection Regulation, which applies across the European Union (including the United Kingdom), and we are responsible as “controller” of that personal information for the purposes of those laws.

STAYING ANONYMOUS
You can browse our website anonymously, although cookies may be collected. You will not be able to access surveys or questionnaires anonymously.

COLLECTION OF DATA
We collect personal data about you when you give it to us or explicitly consent for it to be given to us. This generally occurs when you complete an online form, survey, quiz or questionnaire in which case you have chosen to consent to the collection and subsequent sale of your personal data.

We may also collect information from publicly accessible sources such as the Insolvency Service Register; Companies House; HM Land Registry and credit reference agencies.

We collect and process the minimum amount of information we need to be able to provide a service to you which you have expressed interest in, or to fulfil a service contract, or to meet a legal obligation. How much data we collect depends on your individual circumstances. This information can include:

  • Your first name and last name
  • Your email address
  • Your phone number
  • Your postal address
  • Your gender and date of birth
  • The number and age(s) of any dependents
  • Your employment status including details of any self-employment, Limited company or corporate partnership you are associated with
  • Your current income and expenditure
  • If you are a homeowner and, if so, your property value and how much you owe which is secured against it
  • Your current and historical assets position including disposals of assets
  • Your liabilities to your creditors and historical information about your indebtedness
  • Any information provided to us by authorised third parties such as partners, civil partners, spouses, friends or relatives who may be assisting you and us in the provision of our professional services to you
  • Your current and historic tax affairs

In order to take account of any particular requirements you may have, we may seek sensitive personal data from you concerning health details, but if we do, we will always ensure we seek your explicit consent to collect such data.  We will not seek to collect information revealing your religious beliefs or ethnic origin.

Other than listed above, we do not collect financial information, such as bank card details, relating to you.

Under Data Protection Law, we can only store and use your personal data if we have a proper reason for doing so.

COOKIES
We may also use ‘cookies’ on our website to provide a way for the website to recognise you and keep a track of your preferences, and to enable you to contact us directly from the website. Cookies may also be used to optimise website speed for your convenience, to allow you to customize our web pages and so that you do not have to keep filling in your details repeatedly. We may collect information about your IP address and how you used our site.

That data collected by cookies does not usually identify you but may be combined with other information to identify you. If we identify you using information from cookies, we may use that information to track how you use our website and send you information more specific to your needs, or to invite you to purchase one of our services.

You can read more about how we use cookies on our Cookies Policy

USE OF DATA
We rely on our contract to provide services to you as the lawful basis on which we can collect and use your personal data and as otherwise noted in this Notice.

We use your personal information:

  • To provide our services to you
  • For the performance of our contract with you or to take steps at your request before entering into a contract
  • For our legitimate interests of those of a third party
  • To comply with our legal and regulatory obligations

We use your personal data primarily to provide services to you but also for related purposes as described within this Privacy Notice including:

  • Conducting any necessary checks to identify you, verify your identity and screen for financial or other sanctions
  • Gathering and providing information required by or relating to audits, enquiries and investigations by regulatory bodies
  • Complying with professional, legal and regulatory obligations that apply to our business
  • Ensuring business policies are adhered to, E.G. policies covering security and internet use
  • Operational reasons, such as improving efficiency, training and quality control
  • Ensuring the confidentiality of commercially sensitive information
  • Statistical analysis to help us manage our practice, E.G. in relation to financial performance, client base, work type and other efficiency measures
  • Updating and enhancing client records
  • Preventing unauthorized access and modifications to systems
  • Preparing and filing statutory returns
  • Ensuring safe working practices and monitoring and managing staff absences and staff access to systems and facilities
  • Staff administration and assessments, monitoring staff conduct and disciplinary matters
  • Marketing our services
  • Any necessary credit reference checks via external credit reference agencies
  • External required audits and quality checks, E.G. ISO or Investors in People accreditation

We may process your data by selling it and transferring it to our partners which have a legitimate interest in receiving it to enable them to deliver to you products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data. We may do this because you gave your consent. Once we have delivered your personal data to a partner, that partner becomes a controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to a partner, we are no longer responsible for their use of your personal data. Our partners have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you.

We may also process your usage data (your IP address, geographical location, manner in which you used our site, etc) for our legitimate business purpose of monitoring and improving our website.

We will also disclose your personal data where legally compelled to do so.

We may share your personal information with:

  • The Insolvency Service for registration of an approved IVA
  • Our case management system software providers to enable your case to be stored and maintained on our case management system
  • Our insurers and auditors
  • Your Creditors where the need arises
  • The Courts Service where the need arises
  • Bailiffs and other enforcement officers where the need arises
  • Any third party who you authorise to deal with us in both providing and being party to your personal information such as partners, civil partners, spouses, friends or relatives who may be assisting you and us in the provision of our legal services to you
  • Law enforcement agencies, government agencies or our professional regulatory body where we are required to do so

This data sharing enables us to perform our legal services to you under the terms of the legal services contract between us.

We may also need to share some personal data with other parties regarding our business. Usually such information will be anonymised, but this may not always be possible. The recipient of any such information will be bound by confidentiality obligations.

STORAGE AND DISCLOSURE OF DATA
Information and data may be held at our office, by authorised third parties, service providers connected to our legal services to you, in our e-mail system, storage providers of our files, accounts and case managements systems.

The personal data you provide to us is stored to ensure data protection, integrity and confidentiality. While we do our best to ensure the security of your data, no storage is 100% secure and we cannot guarantee the safety of your data. When your data is transferred to a partner organisation, such a transfer may include transfer of information across borders depending on where the partner is. This means your data may be transferred to, and stored, in computers outside of your state or country, and the data protection laws may be different from those where you live. By agreeing to this policy, you agree to such a transfer.

We do not propose to transfer any of your personal information to any party or location based outside of the European Economic Area (EEA).
We will not hold the information identified above for longer than we have to. To comply with our legal obligations, we will hold your information for the longer of:

  • The period that we are required to retain this information by applicable UK Tax Law – this is currently 6 years
  • The period for which we are required to retain a copy of files containing the information held within your file – this period is dictated by the Institute of Chartered Accountants in England & Wales (‘ICAEW’) – this is normally 6 years from completion of your matter

KEEPING YOUR INFORMATION SAFE
We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorised way. We limit access to your personal information to those who have a genuine business need to know it. Those processing your personal data will do so only in an authorised manner and are subject to the duty of confidentiality.

We also have procedures in place to deal with any suspected data breach. We will notify you and any applicable regulator of a suspected data breach where we are legally required to do so.

If you want detailed information from “Get Safe Online” on how to protect your personal information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.

COLLECTION OF DATA OF MINORS
We do not intend to collect the personal data of persons under the age of 16 aside from basic information such as their age. If you are the guardian of a minor and suspect they may have provided us with their personal information, please contact us and request to have the minor’s personal information destroyed (use the contact information below).

DATA RIGHTS
At your request, we will tell you what personal data about you is being processed, on what basis, and by whom. If you decide your data should not be processed for one or more purposes, you may withdraw your consent from using your data in that way. Please note that we will action your request as soon as practically possible. However, such a request will not take effect immediately and you may still be contacted by us or our partners in the meantime.
Under the General Data Protection Regulation, you have a number of important rights free of charge. In summary, those include rights to:

  • Fair processing of information and transparency over how we use your personal information
  • Access to your personal information and to certain other supplementary information that this Privacy Notice is already designed to address
  • Require us to correct any mistakes in your information which we hold
  • Require the erasure of personal information concerning you in certain situations
  • Receive the personal information concerning you which you have provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to a third party in certain situations
  • Object at any time to processing of personal information concerning you for direct marketing
  • Object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you
  • Object in certain other situations to our continued processing of your personal information
  • Otherwise restrict our processing of your personal information in certain circumstances
  • Claim compensation for damages caused by our breach of any data protection laws

For further information on each of those rights, including the circumstances in which they apply, see the Guidance from the UK Information Commissioner’s Office (ICO) on individual’s rights under the General Data Protection Regulation

CONTACT US
Please let us know if you have any requests, feedback or concerns regarding the way we manage your personal data. Use the contact details below, providing enough information to enable us to identify you together with proof of your identity. We will respond to you within 30 days and take action, within reason, as quickly as possible.

If you would like to unsubscribe from any marketing including SMS and e-mail alerts it may take up to 48 hours for this to take place

If you are not happy with how we manage your concerns, you can contact your local data protection supervisory office, which in the UK is the Information Commissioners Office.

CHANGES TO THIS PRIVACY NOTICE
It is important to us that our privacy notice is regularly reviewed, and we will do so to keep it relevant and up to date with changing laws. We will notify you of any changes by posting the new policy on this page. This privacy policy was last updated in November 2019.

OUR CONTACT DETAILS

If you have questions about your information we hold or how we use it, please contact us via email at: help@debtadvisoryhelpline.co.uk or by writing to our registered address 1 Park Court, 42 Park Cross Street, Leeds LS12QH and allow us 30 working days to respond.

PROFESSIONAL INDEMNITY INSURANCE PROVIDER

Professional Indemnity Insurance (PII) cover is provided by Aqueous Management Limited, registered office 30 Fenchurch Avenue, London EC3M 5AD, under policy number AQS00333619. The territorial coverage is worldwide excluding professional business carried out from an office in the United States of America (USA) or Canada and excludes any action for a claim bought in any court in the USA or Canada.

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