This privacy policy will apply to you if you provide your personal information to Compare Debt Solutions & comparedebtsolutions.co.uk, a trading style of Insolvency Onboarding Limited even if you decide not to go ahead with any services offered.
As a trading style of Insolvency Onboarding Limited, the information you provide on this site will also be used within the company.
This privacy policy states how the company will use your personal data to provide products and services.
HOW WILL YOUR PERSONAL INFORMATION BE USED?
It is only permitted to use personal information where it falls into one or more of the categories below:
it is necessary to enter into or fulfil a contract we have with you;
You have provided your consent; we have a legal or regulatory obligation to do so; it is necessary to carry out a task which 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. Initial application and advice When you make an application for help or submit a product enquiry, we will use the information and your details to provide you with appropriate solutions we may be able to offer. If you cannot provide this information, we may not be able to progress with your application or enquiry. We may also use this information to contact you about and process your application, including email, text, telephone and written correspondence.
We will process the personal data we collect about you for the purposes set out below at purposes for processing your personal data.
After you have made you initial application/enquiry, if you also decide to go ahead with any of the products or services that we offer, the sections below explain how we will also process your data when we provide that particular product(s) or service(s).
In the event that a service that we offer is not appropriate, or you do not wish to proceed with it, however, there is another service which we are unable to provide, but work with a third party who is able to provide it we will collect the information detailed below, to enable us to introduce you to the relevant third party.
NON-ONGOING SERVICES
Where Insolvency Onboarding Limited has identified a service that you are interested in proceeding with, but it does not currently offer, Insolvency Onboarding Limited will pass your details to the relevant third party after obtaining your consent. As part of this process, Insolvency Onboarding Limited will be required to collect the below information to enable them to introduce you to the relevant third party. Once you have been introduced to the relevant third party, and decide to proceed with a service provided by them, then they will confirm the information they collect, how they will deal with it, and for how long they will keep it. Should you wish to proceed to be introduced to a third party we will get recorded consent from you prior to referring you to the third party.
WHAT PERSONAL DATA WILL WE NEED TO COLLECT?
To be able to introduce you to the relevant third party we will need to collect certain categories of personal data. This will include:
CONTACT DETAILS:
Your full name, address, contact number, e-mail address etc. This will be needed for the third party to contact you, and provide the relevant service.
PERSONAL AND FINANCIAL DETAILS:
Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependents, creditor details (including the names of your creditors, reference numbers and balances), details of any assets you hold and your payment information. We need this to determine if a relevant service is appropriate for you, and then for the third party to do the same, and subsequently provide the service, should you decide to proceed.
INCOME AND EXPENDITURE:
Details of your financial position including all sources of income and your household expenditure. We need this to determine the appropriateness of the service you have been referred to.
SPECIAL PERSONAL DATA:
In some circumstances we may need to collect special personal data however we will not do so without express consent from you and we will only do so where it is necessary for the purposes of assisting with your financial situation.
CREDITOR REFERENCE AGENCY DATA:
We will ask for your consent to obtain information from a credit reference agency to obtain information about your financial situation, including information about your creditors, their status, outstanding balances and account numbers.
Call recordings, chat logs and e-mails: When you contact us by telephone, your call may be recorded for training and monitoring purposes. We also keep any e-mail correspondence and online chat logs for the same purposes.
HOW LONG DO WE KEEP YOUR DATA?
If you do not go ahead with any product or service with us, your personal information will normally be deleted after 12 months unless we have another reason to keep your personal information, for example, if you have given your consent to receive marketing information from us. We will delete your information sooner if you ask us to, as detailed below.
DELETING YOUR INFORMATION
Should you, for any reason, become concerned the personal information and details we hold about you is incorrect or would like your personal information to be removed from our records, please contact us by email at setup@comparedebtsolutions.co.uk. We will be happy to review, update or remove information as appropriate. It’s important to note that we will keep your information unless you ask us to remove it.
If you are an Insolvency Onboarding Limited client, we will be unable to delete your information for six years – even after your debt arrangement is complete. However, you should note the information held can be amended if required.
To request a copy of the personal data we hold on you, please get in touch using the email address above.
HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
We collect your information in a number of ways:
- When you make an application or enquiry to us either by phone, email, our website, by a third party or by any other means 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, competitions and promotions provided by us, or on our behalf By adding reviews or interacting with us using social media such as Twitter or Facebook etc When you use online platforms, such as an online portal When we may need to obtain up to date information about you to meet our legal or regulatory obligations Where you have given permission for your information to be provided to us OTHER PURPOSES FOR PROCESSING YOUR PERSONAL DATA Websites and marketing
- To help us understand you better and provide you with information about other products which may be suitable and relevant, we will use your personal information to create a profile of you and your circumstances. This allows us to provide more relevant, accurate and tailored services to you. For example, we may assess your income and expenditure to determine whether you would be eligible for a debt solution through us. We believe we have a legitimate interest to do this and that it is not against your rights.
- However, if you don’t want us to profile your personal information this way, to then better enable us to tailor any marketing communications to you, you can contact us to let us know that you wish for your personal data not to be used in this way.
REVIEWS AND MARKET RESEARCH
Where we have a copy of your personal information we may contact you to ask you to provide a review about the services you’ve received or where we are carrying out market research which may help us design future products and services or to help improve our current services. Although this information would really help us, you wouldn’t be required to provide us with this information unless you were happy to. We consider that this is in our legitimate interests to contact you in this way for market research purposes.
LEGAL OR REGULATORY OBLIGATION
We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations.
Responding to complaints or enquiries
If you make an enquiry or complaint with us, we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.
INTERNAL ANALYSIS
As part of our legitimate interest to develop our business and our products we will use your personal information to assess our performance as a business and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis with third parties who provide us with services and where we have a contractual obligation to do so.
FRAUD PREVENTION AGENCIES
The personal information we have collected from you may be shared with law enforcement agencies and fraud prevention agencies who will use it to prevent fraud, money-laundering and terrorist financing and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.
SOCIAL MEDIA
We use publicly available social media platforms to promote our services, to provide updates and to share any news and promotional updates. We may collect personal information from these social media platforms, for example, if you post a message on our Facebook page. By providing any of your information to us through these platforms you should be aware that:
the social media web pages are publicly available and you must not provide any personal or sensitive information on our pages that are accessible to the public, such as your account information. We may ask you for your account information via a private message to identify you and to service any request you make; and each social media platform will process any personal information you provide through the platform and will be processed in accordance with its own privacy policy. The privacy policies are available to view on each social media platform.
SHARING YOUR INFORMATION OUTSIDE OF THE EEA
We will only share your personal information outside the European Economic Area (EEA), where we have your consent; to comply with a legal obligation; or where we work with a business partner to enable us to provide you with our services, and they process information outside of the EEA.
If we do share your information outside of the EEA we will make sure that it is protected in the same way as if it was being used in the EEA to ensure appropriate safeguards are in place. This may include putting in place a contract with the business partner that means they must protect the personal data to the same standards as the EEA (this may include defined model clauses), or only share the data to a business partner in a non-EEA country where the privacy laws provide the same protection as within the EEA or where they are part of a Privacy Shield.
SECURITY
We take the protection of personal information very seriously and we will maintain appropriate measures to maintain the confidentiality, integrity and availability of the information you have provided. Such measures include:
Company security policies and standards staff security awareness role-based and biometric access controls to prevent unauthorized access to the information encryption and anonymization technology anti-malware technologies security monitoring security testing secure archiving and deletion compliance with industry regulation and legislation How we may contact you about the products and services we provide to you To help us keep you up to date about the products and services that we provide to you and to ensure that you’re kept fully informed, we may contact you by letter, telephone, email, text message, push notifications, social media or may send you messages by any online customer platforms or other electronic means.
If you start an application for a product or service through us we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.
If you do not want to be contacted in a particular way then you can request this at any time, but if we are providing a service to you, we do need to be able to send you communications. This can often be due to a legal or regulatory requirement.
It is important that you keep us up to date when you change your contact details to ensure that we use your up to date contact information.
YOUR RIGHTS
Access to your personal information You have the right to request from us a copy of the personal information that we may hold about you. This is often called a “Data Subject Access Request”. You can request this information by contacting us as set out below.
Before providing this information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that we’re only providing it were you have given your agreement.
Right to have your personal information corrected
If the personal information we hold about you is incorrect you have the right to request that we correct this.
Right to stop or limit the processing of the data we carry out
You may request that your personal information is deleted or that we stop processing the information if we’re no longer entitled to process it. There may be occasions where we are unable to delete the data due to our legal or regulatory obligations. We will however discuss this with you if you request for your information to be deleted.
PORTABILITY
In some cases you may be able to request for your information to be provided to you or to another company in a format that can be processed electronically by you or the other company. If you want to request this you’ll need to contact us.
Who do we share your information with?
The companies to which we may share your details with are as follows:
Pacific Financial Solutions
HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION FOR?
Whilst 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 personal information to meet our legal and regulatory obligations. The product-specific information above sets out how long your personal information will normally be kept for. Telephone calls will be retained for at least six years from the date the call was made.
If you do not go ahead with any product or service offered by Compare Debt Solutions, your personal information will normally be deleted after 2 years unless we have another reason to keep your data, for example, if you have given your consent to receive marketing or promotional messages from us.
HOW WE MAY CONTACT YOU ABOUT OTHER PRODUCTS OR SERVICE THAT WE MAY OFFER
If you have provided us with your consent or where we are legally entitled to do so, we may contact you to let you know about other offers, products and services that we provide which we think you may be interested or that may benefit you. We may do this through post, emails, text messages, telephone, push notifications, social media or other electronic means.
You can easily let us know at any time if you no longer want to receive these messages. You can contact us using the details below, email us at setup@comparedebtsolutions.co.uk, or unsubscribe using the link or information in the message.
OTHER TYPES OF ADVERTISING
When you visit our website or similar websites Google may use our advertisements promoting our products and services which may appear on other third party websites you visit across the internet for remarketing purposes, including cross-device remarketing. Google and other third parties will use cookies to tailor advertisements for website users based on their previous visit to our website. More information about cookies can be found below.
We do not have any control over the advertisements you see on other third party websites however you can request to opt-out or customize these advertisements by using the Google Ads Preference Manager
RECORDING CALLS
We record some of the telephone calls you make to us or we make to you or any other third party. This is for training, monitoring and quality purposes and to meet our legal and regulatory obligations. Some telephone calls may be observed by staff for training and development purposes.
We may keep a copy of the telephone calls for up to 6 years from the date the telephone call was made.
CONTACT US
If you have any questions or queries about how we use your personal information you can contact us or our Data Protection Officer using the address or email below:
setup@comparedebtsolutions.co.uk
If you are not happy with how we process your personal information you should contact us in the first instance. If you’re not happy with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissioner’s Office. You can find their details on their website at https://ico.org.uk/
If you click on a link that takes you to a third party website that is not ours we will not be responsible for how they use your personal data. You should read its own privacy policy to understand how they may use your personal data.
COOKIES
When using this website, some information may be collected automatically using ‘cookies’. These are small text files that facilitate the processing of your data and enable us to analyse how the website is being used. Cookies can be temporary or permanent.
Temporary cookies form part of the security process while you are using the website; permanent cookies identify the link you used to find our website, check your browser so that we can make sure that our website and services work well with your computer and to help us monitor traffic on our website.
You can view our full cookies policy here
Date last updated: October 2024
UPDATES TO THIS PRIVACY POLICY
Any updates to this privacy policy will be found on this page. If we make any important or significant changes to the way we may collect and use your personal information we will endeavor to notify you of this change.