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Privacy Policy

What information we collect.

When you our client, apply for or enquire about our service we will collect information about you, such as your identity and contact details. How we collect it will depend on how you communicate with us, mostly controlled by options you choose such as online, telephone, post or email.

In some situations, we may have access to sensitive information about your clients if we are required to collect documentation for debt advice, loans or other regulated services.

If you apply, or enquire online you will not be subject to automated decision making.

How we collect and use this information.

Information is collected with a view to offering you our service whilst satisfying regulatory requirements.

The first part of processing information will be by our agent who will collect the information you have requested us to collect and your customer provides. We do not process your customers information we merely pass it to the service provider on their behalf.

The information is stored electronically within our servers and is retained only for our internal business processes. The documents are compliantly destroyed after a period of three months. Some of your information is segregated to reduce risk, access is controlled, and our systems are backed up regularly to ensure integrity.

We do not market our client’s customers they will only be contacted with regard to the collection of information you have agreed with us. We will only pass this data to the provider of your choice. If you do not proceed the data will be deleted in accordance with our Record Keeping Policy.

Who might we share your information with?

We do not share your customer’s data with any other company other than the one you arranged collection with.

We are also required to share your information with our regulators or any government agency if they make the appropriate request or if we are required to do so by law.

How long do we keep hold of your information for?

How long we keep your information for depends on the type of information provided. Generally, however, we will keep the information that is necessary to enable us to provide you with a service that you have requested for as long as it takes us to provide that service.

We will generally keep records of any transactions you enter into for a minimum of three months. This is so that we can respond to any complaints or disputes that arise in that period. Otherwise we will only keep the information where appropriate for legitimate business needs.

We will keep other information about you if it is necessary for us to do so to comply with the law, regulations, or where appropriate for legitimate business needs. We do not retain your data for marketing purposes.

If you wish to find out how long your information is held for with the third parties you must contact them directly and request the information.

How can I access the information you hold about me?

You can see what information we hold about you by asking us for a copy at any time. We will also tell you where the information was obtained from.

After the 25th May 2018 there will no longer be a charge for this information service. From 25th May 2018 we will reply within one calendar month.

The Information Commissioner provides a useful leaflet which explains your rights. The easy to read leaflet includes examples of letters and details of various actions you may take to amend your data.

Information is available at www.dataprotection.gov.uk

What are your rights?

Please contact us if you have any reason to believe the data we hold on you is inaccurate. You may review, correct, update or change your personal information at any time by contacting us as set out at the end of this Privacy Notice

Should you wish to obtain a copy of the personal data we hold on you please contact us. As soon as we are satisfied as to your identity we will send you, and within the legislated time, depending on the date of your request, send to you a copy of all the data we hold concerning you. If we have deleted the data we will tell you.

Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voter’s roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. Creditors share information through the agencies providing a history of how punctually your payments are being made or have been made. Credit information is usually held on file for 6 years once settled. Details of the electoral roll may be held for much longer. Information about credit searches is kept for 12 months.

The Information Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions you may take to amend a file.

Information is available at www.dataprotection.gov.uk

Cookies

Cookies help us to provide you with a good experience when you browse our website and allows us to improve our site. In agreement with the European Privacy and Electronic Communications Regulations we will regularly conduct an Audit of Cookies used on our website. The cookies we may use are:

Strictly necessary cookies

These are cookies that are required for the operation of our website. They may include, for example, cookies that enable you to log into secure areas of our website.

Analytical/performance cookies

These are cookies that allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies

These are used to recognise you when you return to our website. This enables us to personalise our content for you and remember your preferences.

You can find more information about the individual cookies we use and the purposes for which we use them in the details below:

The cookies used on this website are Google Analytics (used to generate statistics about visitors) & Add This (Used for social media sharing)

How to prevent the use of cookies

If you want to prevent the use of cookies or restrict them whilst browsing websites, you can do this via the settings on your internet browser.

For more information about managing cookies, please see http://www.aboutcookies.org/

Changes to this Notice

If our privacy notice changes in any way, we will place an updated version on this page. Regularly reviewing this page ensures that you are always aware of what information we collect, how we use it and under what circumstances, if any, we will share it with other parties. This Privacy Policy was last updated in April 2018.

How to Contact us

Compliance Manager

Email: Ian Jarvie

Tel: 01625 506870



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