A young couple in conversation with the consultant

PRIVACY POLICY

Name: Your Debt Advice LTD

Address:21 Gordon Street g1 3pl

Phone Number: 01416484991

www.yourdebtadvice.com

The type of personal information we collect

The information we collect from you depends on the product or service you apply for, or the service that we provide to you. We will only collect information that we actually need, or where we’re required to collect the information to enable us to perform our legal, regulatory or contractual obligations necessary to provide you with the products or services, or where we have your permission.

This will likely include the collection of:
your personal details (e.g. name, date of birth) address details
contact details (e.g. phone number, email)
special personal information* (e.g. health information)
financial information (e.g. details of your income and expenditure) employment information
information about your creditors
information on how you use our website(s) and products and services

Special personal information*

Data protection law defines some personal information as “special categories of data”. This includes information about physical or mental health, sexual life, religious beliefs, race or ethnic origin, political opinions, trade union membership or biometric data. This information may be necessary to collect when understanding the reason for your financial circumstances, or where it may help us to provide a better service to you and obtain a better understanding of your financial situation. For example, a period of ill health could have caused you to fall behind with your regular payments to your creditors.

Where we need to collect and process this type of data about you, by providing this information to us you give your explicit consent for us and any other third party to process this special data as set out in this privacy policy, unless we have a legal obligation to process this type of data.

Any personal information about you relating to criminal convictions or offences may only be used by us when authorised by law. Information about other people:

If you provide personal information about someone else, for example when a joint application is made, you must do so with the permission of the other person. If you enter into a service jointly with another person (for example, a joint Individual Voluntary Arrangement), your personal information and any information about the service provided to you will be shared with the other person.

We will use the personal information about the other person in the ways as described in this privacy policy. We may obtain personal information from you in a number of ways:

When you make an application or enquiry to us either by email, phone, via our website, by a third party or by any other means By adding reviews or interacting with us using social media such as Twitter or Facebook etc • When we may need to obtain up to

date information about you to meet our legal or regulatory obligations

Information received from a third party, for example a creditor providing information about an account you hold with them, or where you have previously agreed for your information to be shared with us, for example, if you have been introduced to us by another company

When you participate in market research
Where you have given permission for your information to be provided to us
We have a legal or regulatory obligation to do so
It is necessary to carry out a task that is in the public interest It is necessary to protect your vital interests or
It is in our legitimate interest to do so and it is not against your rights
MoneyPlus Group – we work with them and share your data for direct marketing purposes, Transferring and sharing your information We may share the information you have given us with third parties in order to offer our services.

Third parties we share your information with: -

MoneyPlus Group. They provide regulated debt advice.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are: Your consent. You are able to remove your consent at any time. You can do this by contacting 01416484991 or info@yourdebtadvice.com

A. We have a contractual obligation.

B. We have a legal obligation.

How we store your personal information

Your information is securely stored.

If you continue to be our customer, we will keep a record of your personal information to ensure that we provide you with the best service possible and where we’re required to keep your data to meet our legal and regulatory obligations. This will normally be kept for at least 6 years, starting from the date when we are no longer providing you with a service. Telephone calls will be retained for at least 6 years from the date the call was made.

If you do not go ahead with any product or service offered by us, your personal information will normally be deleted after 2 years (except for any recorded telephone calls) unless we have another reason to keep your personal information, for example, if you have given your consent to receive marketing or promotional messages from us.

After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.

Your data protection rights:

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you. Please contact us at 01416484991 or info@yourdebtadvice.com if you wish to make a request.

How to complain:

If you have any concerns about our use of your personal information, you can make a complaint to us at 21 Gordon Street g1 3pl or by contacting us at info@yourdebtadvice.com

You can also complain to the ICO if you are unhappy with how we have used your data. The ICO’s address:

Information Commissioner’s Office Wycliffe House

Water Lane

Wilmslow Cheshire SK9 5AF

Helpline number: 0303 123 1113 ICO website: https://www.ico.org.uk