We can only use your personal information where it falls into one or more of the following categories:
- 1. it is necessary to enter into or fulfil a contract we have with you;
- 2. you have provided your consent;
- 3. we have a legal or regulatory obligation to do so;
- 4. it is necessary to carry out a task which is in the public interest;
- 5. it is necessary to protect your vital interests; or
- 6. it is in our legitimate interest to do so and it is not against your rights.
We will use the information provided in your initial enquiry by passing it to a Financial Conduct Authority regulated debt solution provider, we may contact you by sending you an email, text message or letter to welcome you to our services.
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 enquiry, if you also decide to go ahead with any of the products or services that the debt solution provider offers, the sections below explain how we will also process your data when they provide that particular product(s) or service(s).
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.
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.
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 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