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Privacy Policy

Please read the following privacy policy to understand how we use and protect the information that you provide to us.

National Debt Advice is committed to protecting the privacy or your personal information and is registered with the Information Commissioners Office (ICO), to make transparent our data handling practices and complies with the General Data Protection Regulations (GDPR) effective from May 2018.

National Debt Advice may choose to amend the content of this policy on occasion which will be posted on this website. Please visit this policy on a regular basis to make sure you understand what we do with your information.

Please note that this website and our products and services are not intended for children and we do not proactively collect their personal information. However, we are sometimes given information about children as part of providing advice and setting up products and services. The information in the relevant parts of this notice applies to children as well as adults.

By registering on this site, you consent to the collection, use and transfer of your information under the terms of this policy.

National Debt Advice may also share your data with 3rd parties to assist in debt solutions. 

We, and our panel of FCA regulated advisory firms / Insolvency Practitioner firms, will keep you informed with the progress of your application. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message - (see further section about 'How we keep you informed').

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Basis for collecting your personal information:​​

We process your personal data on different basis, according to the reason for which you have provided your data to us. When you are browsing the website, we process your data on the basis that you have given consent to such processing by accessing the website (non-sensitive information, for example; IP address). When you have submitted your details within our form(s) to receive debt advice from one of our FCA regulated partners, we process the personal data you have submitted to us on the basis that you have provided us with legitimate interest in processing your data (i.e to put you in contact with a debt adviser whom may offer you their advice)/.


You can withdraw your consent to us processing your personal data for marketing purposes at any time by clicking the 'unsubscribe' option in any marketing SMS, email we or any associated partner send to you. Alternatively, you can withdraw your consent by contacting us via the stated details in our 'contact us' section. If you change your mind about agreeing to us processing your personal data, this will not have ant effect on the lawfulness of any processing we have carried out before you change your mind.

The full details for the firm are as follows:

NATIONAL DEBT ADVICE LIMITED

Registered Office

14 Exchange Quay,

Salford Quays

Manchester

England

M5 3EQ

Registered in England Co Number: 09470932

ICO registration No. ZB552620

How can I contact you with questions or comments about how you use my data?

We have appointed a Data Protection Officer (DPO) to oversee compliance with this privacy notice.

If you have any questions about this privacy notice or how we handle your personal information please contact Danielle.carden@national-debtadvice.co.uk

What information do our 3rd parties collect and when?
Correspondence
Records of communications including emails, live chat, and social media communications; records of advice and recommendations. How it is obtained? Records of communications including emails, live chat, and social media communications; records of advice and recommendations.
How is it obtained?

Records of communications including emails, live chat, and social media communications; records of advice and recommendations.

Behavioural
Information about your device or the software you use e.g. its IP address
How is it obtained?

From your use of our website and online services

Medical
Details of any health and medical related matters
How is it obtained?

From you - during advisory discussion over the phone

Documentary
Copies of documents such as passport, drivers’ licence, utility bills, credit arrangements
How is it obtained?

From you - after recommendations are accepted and we set up a plan on your behalf. These are obtained via email or post

Financial
Bank Account Details & Debit Card Details
How is it obtained?

From you - during advisory discussion over the phone

Budget
Your income and expenditure Details of existing credit arrangements including mortgage and unsecured credit
How is it obtained?

From you - during advisory discussion over the phone

Assets
Savings, Investments and Pensions, Vehicles
How is it obtained?

From you - during advisory discussion over the phone

Protection Plans
Existing insurance arrangements - life, health, buildings and contents insurance
How is it obtained?

From you - during advisory discussion over the phone

Personal
Your requested loan amount and term Details of beneficiaries, executors, trustees, attorneys, related person for estate planning purposes (e.g. Wills, Trusts and Lasting Powers of Attorney).
How is it obtained?

From you - online and during advisory discussion over the phone

Personal
Previous names Previous address(es) Your marital status Property details, value and remaining mortgage Nationality Your employment details/status Details of assets, investments and pensions The number of children or dependents in your household Your residential status (whether you own or rent your home) Gender, Race or Ethnicity
How is it obtained?

From you - online and during advisory discussion over the phone

Contact
Your full name Your postal address Your date of birth Your contact telephone numbers (daytime and evening) Your e-mail address
How is it obtained?

From you - online and during advisory discussion over the phone

What do our partners use your personal data for?
We use your data for:

Improving our products and services

Why we use it:
Legitimate interest - to enable us to better understand your circumstances and preferences so we can provide you with the best advice and offer you a tailored service.
We use your data for:

Marketing

Why we use it:
Legitimate Interest - to provide you with information on our products and services to you such as newsletters where you take up certain debt solutions. Consent - In some circumstances we will ask for consent for marketing purposes e.g. where you have subscribed to or signed up to some of our financial help initiatives such, or before using your feedback as testimonials or your situation as a case study.
We use your data for:

Financial Crime matters

Why we use it:
Legal requirement - we are required by law to detect, investigate, report, and seek to prevent financial crime.
We use your data for:

Monitoring and recording of telephone calls and email communications where necessary for compliance with regulatory rules or self-regulatory practices or procedures relevant to our business including quality and training purposes and customer satisfaction surveys

Why we use it:
Legitimate interests - to monitor and improve the quality of our products and service offerings (which may involve using your data in quality and performance training) and to ensure we comply with regulatory requirements.
We use your data for:

Record keeping

Why we use it:
Legitimate interests - we need to have a need to retain to comply with regulatory rules and ensuring we are implementing quality checking and compliance processes.
We use your data for:

Setting up and administering a Debt Relief Order, an Individual Voluntary Arrangement or Bankruptcy

Why we use it:
Legal obligations - the setting up and administering these types of debt solutions forms a legally binding agreement and we are there required to process your data to achieve this.
We use your data for:

To verify your identity

Why we use it:
Legal obligations - we have a legal responsibility to carry out checks to ensure we are dealing with you.
We use your data for:

To contact you in connection with any enquiries that you raise

Why we use it:
Legitimate interests - of responding to questions and comments raised when you contact us.
We use your data for:

To provide you with advice and recommendation on the products and services available from National Debt Advice

Why we use it:
Legitimate Interest - the provision of advice and recommendation for a debt solution requires us to process your data to ensure we have a full understanding of your personal and financial situation in order for us to be able to assist you effectively and meet our regulatory requirements. Explicit Consent – we will ask you to give explicit consent to process data relating to health at the time we ask for it, if it is relevant to retain it to support you with the service going forward.
We use your data for:

To initially contact you to provide you with information on the products and services available from National Debt Advice

Why we use it:
Legitimate Interest – the provision of this information will generally be due to a request made by yourself about our products and services.
How we may contact you

Unless you state otherwise National Debt Advice (including Insolvency Practitioners/FCA regulated firms) may contact you via telephone, email, post, SMS, automated messages, fax and WhatsApp.

How you contact us

If you contact us by telephone using the specified numbers on our website or advertising/marketing correspondence, your call may be recorded for training, quality and regulatory purposes.

If you contact us via email, web chat, WhatsApp or post this information may be held securely by ourselves for training, quality and regulatory purposes

Do I have a right to withdraw consent?

The majority of our processing of your personal data is not based on consent however, where we do rely on your consent to process personal data, you have the right to withdraw this at any time. You can do this via phone, email or post.

How long will you keep my data for?

We will only retain your personal information for as long as necessary. For example, if you proceed with setting up a debt solution, we will normally keep your core data for a period of 6 years from the end of our relationship with you. We may however need to retain some information for a longer period where we need to comply with regulatory, legal, accountancy or reporting requirements. There may be some information however that we do not need to retain for this period of time and we may destroy, delete or anonymize it more promptly.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

How do we keep your data secure?

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, inappropriately altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so. We regularly review our information collection, storage and processing practices, including physical security measures.

Do you share or disclose my personal data with third parties in order to provide your services?

We need to share your data with certain third parties, including third-party service providers and in order to deliver the services and products to assist you. When you complete an application, you consent to us disclosing your personal information to the following parties:

Phoenix Insolvency

Pacific Financial Solutions

Astute Finance Ltd

J3 Debt Solutions

This includes:

  • Searching the files of external data bureaus in order to verify your identity

  • Where disclosure is made at your request or consent

  • Our third party security partner that provides software programs to support us with access arrangements for your account with us

  • We will disclose your personal data to third parties if we are under a duty to disclose or share your personal data in order for us to comply with any laws, regulations or good governance obligations, or in order to enforce or protect our rights, property or safety, or that of our customers or other persons with whom we have a business relationship. These parties will include (without limitation) the Financial Conduct Authority (FCA), the police, Action Fraud, The National Crime Agency, HMRC, HM Treasury and the Department of Work and Pensions

Contact

All comments, queries and requests relating to our use of your information are welcomed and should be addressed to:

The Compliance Manager

National Debt Advice

St James House

8th Floor

Pendleton Way

Manchester, M6 5FW

 

From May 2018 you will have the following rights:

1. Right to access: the right to request copies of your personal information from us;

2. Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;

3. Right to erase: the right to request that we delete or remove your personal information from our systems;

4. Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;

5. Right to data portability: the right to request that we move, copy or transfer your personal information;

6. Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests or where we use your personal information to carry out profiling to inform our market research and customer demographics.

How to contact us

We keep our privacy notice under regular review. Any future updates to this privacy notice will be found on this page.

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