Secure Website

Terms & Conditions

Website Terms and Conditions of Use

Our Terms

  1. These Terms explain how you may use this website (‘the Site’), which is provided by us free of charge.
  2. References in these Terms to the Site includes the following websites and all associated subdomains and web pages:
    www.reducemydebt.org.uk
  3. You should read these Terms carefully before using the Site.
  4. By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and Conditions, and policies referred to in them.
  5. If you do not agree with or accept any of these Terms and Conditions and/or Privacy Policy, you should stop using the Site immediately.
  6. If you have any questions about the Site, please contact us by:

    e-mail: info@reducemydebt.org.uk

  1. Our Services
    1. Debt Daddy is an introductory firm whom provides a free service to the public.
    2. Customers may use this free service in accordance to the terms set out within http://reducemydebt.org.uk/terms-conditions/ and http://reducemydebt.org.uk/privacy-policy/
    3. The information within this site must not be interpreted as financial or legal advice, and is only written for informational purposes.
    4. Upon receiving your customer enquiry for debt help. We may contact you to ensure the information we hold for you is accurate.
    5. Upon validation of your information provided, we may transfer your data with your consent to a service provider.
    6. The service provider shall provide you with regulated financial or legal advice, and may further advise the most relevant debt solution suitable to your needs based on your personal circumstance.
    7. For the avoidance of doubt, Debt Daddy acts solely as an introducer and shall not provide you with any form of regulated advice whatsoever.
    8. In some instances we may receive a commission for introducing you to the service provider. The remuneration paid to our company allow us to provide this service for free to the public and additionally allows us to maintain the upkeep of this site for your use.
  1. Definitions

    Content
    means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;

    Terms
    means these terms and conditions of use as updated from time to time;

    Intellectual property rights

    means rights such as copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world);

    Unwanted Submission

    has the meaning given to it in the section entitled “Submitting information to the site”;

    Privacy policy

    means the policy (http://reducemydebt.org.uk/privacy-policy/), which governs how we process any personal data collected from you;

    Site
    has the meaning given to it in clause 1.1;

    We, us or our

    means Debt Daddy Company registration number 11371066 the registered office of which is at:

    27 Old Gloucester Street
    London
    WC1N 3AX

    Debt Daddy is an introducer firm.

    References to us in these Terms also includes any group companies which we may have from time to time.

    You or your

    means the person accessing or using the Site or its Content.

    Partner Advisor

    means a 3rd party entity who is appropriately regulated to provide financial advice in relation to your online enquiry.

  1. We are regulated by
    1. Your use of the Site means that you must also comply (where applicable) with:our Privacy policy
    1. We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

    Using the Site

    1. The Site is for your personal, non-commercial and non-exclusive use only. As long as you comply with these Terms of Use, Debt Daddy Ltd grants you a personal, non-exclusive, non-transferable, and non-commercial limited privilege to enter and use the Site.
    2. You may not use any “page-scraper”, “robot”, “spider”, “deep-link” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, copy, acquire, or monitor any part of the Site, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site.
    3. You may not attempt to gain unauthorized access to any part or feature of the Site, or any other systems or networks connected to the Site or to any of our servers, or to any of the services offered on or through the Site, by password “mining”, hacking or any other illegitimate means.
    4. You may not scan, probe or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site.
    5. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or any other customer of ours, to its source, or exploit the Site or any service or information made available or offered by or through the Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Site.
    6. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or our systems or networks, or any systems or networks connected to the Site.
    7. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.
    8. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to us on or through the Site or any service offered on or through the Site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
    9. You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes our rights or those of others.
    10. The Site is intended for use only by those who can access it from within the UK. If you choose to access the Site from locations outside the UK, you are responsible for compliance with local laws where they are applicable.
    11. You agree that you are solely responsible for all costs and expenses you may incur in relation to any 3rd party agreements you consensually enter into such as an Insolvency Practitioners fees.
    12. Our services are not targeted towards, nor intended for use by, anyone under the age of 18. If you are under the age of 18, you are not permitted to use our services.
    13. The services offered on this Site are completely free to use you and we do not charge you whatsoever. However we may receive a commission from our selected partners for referring you to them as an introducer.
    14. You are under no obligation to use our, nor our selected partners services by using this Site.
    15. A list of our selected partners can be found here: http://reducemydebt.org.uk/privacy-policy/#9
    16. We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at: info@reducemydebt.org.uk
    17. We may prevent or suspend your access to the Site if you do not comply with any part of these Terms, any terms or policies to which they refer or any applicable law.

    Ownership, use and intellectual property rights
    1 This Site and all intellectual property rights in it, including but not limited to any Content, are owned by us, our licensors or both (as applicable). We and our licensors reserve all of our and their rights in any intellectual property in connection with these Terms. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.

    2 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to lawfully access the Site as intended and authorized by us. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.

    Submitting information to the Site

    1. While we try to make sure that the Site is secure, we cannot guarantee the security of any information that is transferred or potentially intercepted over the internet. We therefore cannot guarantee that it will be kept confidential. For that reason, you should not submit any information that you regard as sensitive information or valuable (Unwanted Submissions) to the Site. While we value your feedback, you agree not to submit any Unwanted Submissions.
    2. We may use any Unwanted Submissions as we see reasonably fit in relation to servicing your online enquiry (bear in mind that we have no way of knowing whether such information is confidential or valuable because we do not monitor the Site to check for these specific matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.

    Accuracy of information and availability of the Site

    1. While we try to make sure that the Site is accurate, up-to-date and free from bugs, we cannot guarantee that it will be. Furthermore, we cannot guarantee that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on this Site is at your own risk.
    2. We may suspend or terminate operation of the Site at any time as we see fit.
    3. Content is provided for your general information purposes only and to inform you about us, news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.
    4. While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.

    Hyperlinks and third party sites

    The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.

    Limitation on our liability

    Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury), we are not legally responsible for any losses or incorrect financial advice provided by the referred regulated 3rd party. This exclusion shall include, but not be limited to:

    (a) losses that:

    1. were not foreseeable to you and us when these Terms were formed; or
    2. that were not caused by any breach on our part

    (b) business losses; and

    (c) losses to non-consumers.

    Events beyond our control

    We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

    Rights of third parties

    No one other than a party to these Terms has any right to enforce any of these Terms.

    Treating Customers Fairly

    At Debt Daddy, we are committed to providing our customers with the highest standards of service throughout the customer journey. In so doing, we are committed to ensuring that the Financial Conduct Authority’s Principle of “treating customers fairly” is adhered to at all times.

    We recognise that both our customers and ourselves have everything to gain if we are looking out for your best interests and treat you fairly in all aspects of our dealings with you.

    Our commitment to you

    We vet our associated companies to ensure they:

    Provide you with clear information about the products and services they offer, including fees and charges.

    Establish your individual needs, preferences and circumstances before allowing any application or enquiry for a particular debt solution is made via their services.

    Advise you on sources of information that would help you understand your situation and potential impacts of their services.
    Encourage you to ask if there’s something you don’t understand.

    Give you access to a formal complaints procedure should you become unhappy with their service.

    How you can help us

    To help us give you the most appropriate advice, we will ask you to:

    Let us know about your individual needs, circumstances and preferences.

    Let us know if there is any aspect of our service, or of a product our partners have discussed or recommended, that you don’t understand.

    Tell us if you think there are ways we can improve our service.

    Our Cookies

    Debt Daddy’ website(s) (our website(s)) uses cookies to distinguish you from other users of our website(s). This helps us to provide you with a good experience when you browse our website(s) and also allows us to improve our website(s). This policy explains what we mean by “cookies”, the cookies we use on our website(s), what the cookies do, how long they last for and where you can find out more information about them.

    What are cookies?

    Cookies are pieces of data created when you visit a website, and contain a unique, identification number. Some cookies are stored in the cookie directory of your hard drive, and do not expire at the end of your session. Cookies do not contain any personal information about you and cannot be used to identify an individual user.

    Cookies have a lifetime. Many only last until you close your browser or for a short time. These are called ‘session cookies’. Some last far longer though, for example, to enable a website to recognise you when you return to them. These are called ‘persistent cookies’. Where possible, we’ll let you know how long these cookies last for.

    Cookies set directly by a website owner (like us) are generally known as ‘first party cookies’. Many (if not most) modern websites also use bits of hidden technology provided by other parties. Online advertising is a particularly common example. These other parties may also set cookies when you use our website. If they do so, their cookies are generally known as ‘third party cookies’.

    There are some other computer technologies which are technically different to cookies but are used to perform very similar jobs and function in a very similar way. For example, ‘locally stored objects'(or ‘flash cookies’) are used to power some online video content, and ‘web bugs'(or ‘web beacons’) are used for many of the same purposes as cookies. When we provide services to you through our website, we want to make them easy to use, useful and reliable. Cookies are used to improve services for you through, for example:

    enabling a service to recognise your device so you don’t have to give the same information several times during one task;
    recognising that you may already have given a username and password so you don’t need to do it for every web page requested; and measuring how many people are using services, so they can be made easier to use and there is enough capacity to ensure they are fast. Now that we have explained what cookies are, please read “Our use of cookies” to understand why we use them.

    First party cookies

    These are cookies we set and that our website needs in order to function and if they are not accepted by you, parts of the site won’t be usable. Example would be for us to save a visitor filter selection from our homepage. These cookies may be used to enable us to identify a visitor’s current browsing session and allows our website to function as intended. These cookies can also let us know what web channel you used to find us, along with the keyword you used.

    Third party cookies

    These are cookies which are set by other people. Aside from setting cookies ourselves, we also allow carefully-selected third parties to set cookies during your visit to our website. These organisations provide us with information on how you use our website(s). They may also use cookies to promote our newest products and latest offers to you on other websites based on your previous activity at with us. For example, you may see products that you viewed on our website(s) presented on other websites as you move around the internet.

    We regularly review the cookies we use and which our suppliers use to keep them to the minimum we think we need. In doing so, we aim to respect your right to privacy in your online life, which is very important to us, but also ensure you have a good browsing experience and ensure we have enough of the right kind of information to improve our website and the services which we offer. During your visit to our website(s) you may notice some cookies that are not related to our website(s). This happens when you visit a page with content embedded from a third party or use some of the links to social networking websites (e.g. FaceBook). We love it when you share information through a social media network but when you do so, please be aware that, these websites may place cookies on your device. We do not control how a third party uses their cookies. You should check these third party websites’ privacy policies for more information about their cookies if you are concerned about this.

     

    Analytics cookies

    We use various software tools that allow us to study, and then improve, how customers interact with our website(s) – this is known as website analytics. Examples of analytical tools that we use are: Google Analytics, Adobe Analytics and User Replay.

    Analytics cookies allow us to understand more about how many visitors we have to the website(s), how many times they visit us and how many times a user viewed specific webpages within our site. Although analytics cookies allow us to gather specific information about the pages that you visit and whether you have visited our site(s) multiple times, we cannot use them to find out details such as your name or address.

    How you can manage cookies

    We hope you are happy with our cookie policy, but if you do not want to accept cookies from our website(s) you can change your browser settings so that cookies are not accepted. If you choose to do this, please be aware our website(s) may no longer function as intended.

    All popular browsers (e.g. Chrome, Internet Explorer, Edge and Safari) allow you to amend your cookie settings so that cookies are no longer enabled across all websites that you visit. For further information about cookies and how to disable them please go to the Information Commissioner’s webpage on cookies; https://ico.org.uk/for-the-public/online/cookies/.

    Updates to our cookie policy

    We review our use of cookies and similar technologies regularly. In doing so, we may change the cookies and other technologies we use, and how we use them. As a result, we will need to change this Cookie Policy from time to time to keep it accurate and up to date.

    Contact us

    If you want any further information about our approach to cookies and similar technologies, our website in general or have any other privacy questions relating to us, we’d be happy to help you. Please write to us by post to Debt Daddy, 27 Old Gloucester Street, London, LE31HR

    Other Resources

    The Insolvency Service

    https://www.gov.uk/government/organisations/insolvency-service

    OTHER ‘FREE ADVICE’ RESOURCES

    Money Advice Service

    https://www.moneyadviceservice.org.uk

    Citizens Advice Bureau

    www.citizensadvice.org.uk

    Debt Advice Foundation

    www.debtadvicefoundation.org

    Debt Support Trust

    www.debtsupporttrust.org.uk

    National Debtline

    www.nationaldebtline.co.uk

    Disputes

    It is our promise that Debt Daddy Ltd will act in a fair, lawful, and honest manner in everything we do, and so if you have a complaint about any aspect of our service, we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways:

    By Post:
    Complaints Department, Debt Daddy, 27 Old Gloucester Street, London, LE31HR
    By Email: complaints@reducemydebt.org.uk (Usually The Fastest Method)

    We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 8 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.

    If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –

    Financial Ombudsman Service

    Exchange Tower

    London

    E14 9SR

    Telephone: 0800 023 4567

    Web site: www.financial-ombudsman.org.uk

    You can report any of your concerns to the Information Commissioner’s Office (ICO)

    Information Commissioner’s Office

    Wycliffe House

    Water Lane

    Wilmslow

    Cheshire

    SK9 5AF

    Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number

    Fax: 01625 524 510

    European Online Dispute Resolution Platform in relation to your complaint you can also request a review from the European Online Resolution Platform: http://ec.europa.eu/consumers/odr

    Subject Access Request

    1. You can obtain a copy of the Information we hold about You under the Data Protection Act.
    2. An individual who makes a written request is entitled to be:
      1. Told whether any personal data is being processed;
      2. Given a description of the personal data, the reasons it is being processed, and whether it will be given to any other organisations or people;
      3. Given a copy of the information comprising the data; and given details of the source of the data (where this is available).

    More information about Subject Access Request can be found here:

    https://ico.org.uk/your-data-matters/your-right-to-get-copies-of-your-data/preparing-and-submitting-your-subject-access-request/

    If you wish to send us your Subject Access Request, please email: compliance@reducemydebt.org.uk

    We aim to respond to you within 8 weeks dependant on complexity of Your request.

    Your Right to be Forgotten / Erasure Of Your Personal Information
    Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:

    1. Where the personal data is no longer necessary in relation to the purpose for which it was originally collected/processed.
    2. When the individual withdraws consent.
    3. When the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
    4. The personal data was unlawfully processed (i.e. otherwise in breach of the GDPR).
    5. The personal data has to be erased in order to comply with a legal obligation.
    6. The personal data is processed in relation to the offer of information society services to a child.
    7. There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.

    If you wish to request your “right to be forgotten” please email: compliance@reducemydebt.org.uk

    Governing Law

    By continuing to use the Site, you explicitly agree that the Terms and Conditions within this website shall be construed and governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English courts.

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This Privacy Notice

This is privacy notice of https://www.reducemydebt.org.uk .

We respect your privacy and are determined to protect your personal data.

The purpose of this privacy notice is to inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from). We’ll also tell you about your privacy rights and how the data protection law protects you.

This privacy notice is provided in a layered format so you can click through to the specific areas set out below.

Debt Daddy Privacy Policy

  1. Who Are We?
  2. How We Process Your Personal Data In Relation To Your Data Submission
  3. How You May Contact Us
  4. How We Keep You Informed
  5. Obtaining Your Personal Data/Information
  6. Customer Communication
  7. What Personal Information Do We Collect?
  8. How Do We Use Your Personal Information?
  9. Who Do We Share Your Personal Information with?
  10. Who Might Our Panel Of Debt Service Providers and Debt Service Finders Share Your Personal Information with?
  11. What Cookies Do We Use?
  12. How Secure Is Our Site And What Steps Do We Take To Keep Your Personal Information Safe?
  13. Rights Of Access To Your Personal Information
  14. How long Will We Retain Your personal Information For?
  15. Your Right To Opt Out of Future Contact From Us Or Any Listed Third Party
  16. Your Right To Be Forgotten / Erasure Of Your Personal Information
  17. How to make a complaint

1. Who Are We?

What is the purpose of this privacy notice?

This privacy notice aims to give you information on how we collect and process your personal data through your use of this website, including any data you may provide through this website when you sign up as a subscriber to our service.

This website is not intended for children and we do not knowingly collect data relating to children.You must read this privacy notice together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices in connection to this service and is not intended to override or to be superseded by them.
Data controller(s)

is the controller and responsible for your personal data. Our company shall be referred to as, Debt Daddy, or https://www.reducemydebt.org.uk, "we", "us" or "our" in this privacy notice). Our contact details are, who are registered in England and Wales (Company number 11371066), Registered Office; Business Box 27 Old Gloucester Street, Brailsford Industrial Estate, London, Londonshire, WC1N 3AX. Licensed by the Information Commissioners Office, (registration number ZA414371).

is the controller and responsible for this website.

Debt Daddy are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the General Data Protection Regulations (GDPR).

Contained within this statement and set out below are details of the type of information that we at Debt Daddy may hold about “you” our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.

This privacy policy is only applicable to Debt Daddy and personal information which may be collected and obtained by us. Debt Daddy may choose to amend the content of this privacy policy on occasion. If this occurs, then we will update the policy and the revised policy will be posted on this website.

2. How We Process Your Personal Data In Relation To Your Data Submission

We, and our panel of Debt Service Finders (DSF’s) and Debt Service Providers (DSP’s), 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 on 'How we keep you informed')

Lawful basis for collecting your personal data

We rely upon a different lawful basis to process your personal data according to the reason for which you have provided your data to us.

Our use of your personal data will always have a lawful basis.

Consent:

When you submit your online debt help request (Contact Request) with Debt Daddy, we process your personal data on the basis that you have provided your consent to be contacted by Debt Daddy, our panel of Debt Service Finders (DSF) /Debt Service Providers (DSP) in relation to your Contact Request.

We will also rely on your consent to share your personal data with our Debt Service Finders who may offer similar debt help services. These third parties will contact you by the communication channel or channels which you have agreed to, offering products and services that maybe of interest.

Performance Of Contract:

Your personal data will also be processed on the basis that we need this information to fulfil our obligations under the contract we have entered into with you by providing you with a introduction to a Debt Service Finders or Debt Service Providers. Debt Daddy, our panel of Debt Service Finders / Debt Service Providers will contact you regarding your contact request.

This means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such contract.

Legitimate Interest:

We have a legitimate interest in processing your data (i.e. to share your application with our panel of Debt Service Finders / Debt Service Providers and Credit Reference Agencies) to obtain the service you have applied for.

It also includes processing your data for ID protection and tracing purposes such as Credit Reference and Fraud Prevention. This is in relation to appropriate agencies which are listed within section 9.

You can object to us processing your data in this way by contacting us at compliance@reducemydebt.org.uk or using the contact details stated in section 15 / 16.

PURPOSES FOR WHICH WE WILL USE YOUR PERSONAL DATA:

We have set out below, in a table format, a description of all the ways we plan to use your personal data, with the legal bases we rely on to do so.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.

Purpose/Activity Type of data Lawful basis for processing including basis of legitimate interest
To register you as a new customer with us (a) Identity
(b) Contact
(c) Financial
Performance of a contract with you
For us to contact you in relation to your contact request (a) Identity
(b) Contact
(c) Financial
Performance of a contract with you
Debt Service Providers / Debt Service Finders to contact you
in relation to your contact request
(a) Identity
(b) Contact
(c) Financial
Performance of a contract with you
To promote our other similar offers to you from other
trading styles owned by
(a) Identity
(b) Contact
Consent
To promote third party services and products to you based
on your marketing preferences
(a) Identity
(b) Contact
Consent

Our Marketing

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you.

You will receive marketing communications from us if you have consented to received information for products and services from us.

Third-party marketing

We will get your express opt-in consent before we share your personal data with any company outside for marketing purposes.

Opting out

You can withdraw your consent to receive marketing offers we, or any associated third party, send to you any time.

Email:

To unsubscribe by email, click the “unsubscribe” link at the bottom of the email.

SMS:

To unsubscribe by SMS, click the “mobile number” at the bottom of the SMS and reply with any word you choose. Alternatively, you may use our suggested words “Stop” or “Unsubscribe” in your SMS response.

Our opt-out system will recognise your opt-out request, and your details will be stored in a suppression list so that you do not receive future contact.

Alternatively, you can withdraw your consent by contacting us at compliance@reducemydebt.org.uk or using the contact details stated in section 15 / 16. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you changed your mind.

3. How You May Contact Us

You may contact us to request information we hold about you by emailing or writing to:

E-mail: sar@reducemydebt.org.uk

Post:


27 Old Gloucester Street
London
WC1N 3AX

4. How We Keep You Informed

We may want to make contact with you with your consent at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via SMS, email or telephone. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is trusted to be used for the purpose it is specified for in ‘9.3 Who Do We Share Your Personal Information With?’. Third parties may also use the same means of contact stated above.

As part of the application process, if our Debt Solutions Providers are unable to help you with a debt solution you are looking for, we may pass your details onto another company listed within our privacy policy, who may be able to help you. Please note, third parties will have their own privacy policy, and it is recommended you refer to their policy to understand how they may process your data.

5. Obtaining Your Personal Data/Information

We use different methods to collect data from and about you including through:

  1. Directly. You may give us your personal contact information and financially related information by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
    • Apply for our products or services;
    • Subscribe to our service or publications;
    • Request marketing to be sent to you.
  2. The personal information/data that we would normally collect from you is as follows:
    • Name
    • Country
    • Value of debt
    • Date of birth
    • Number of Creditors
    • Employment Status
    • How much you could roughly afford to pay your creditors
    • Mobile number
    • Email address
    • IP Address

If you apply with us and have a question about our services, or alternatively choose to send an email to compliance@reducemydebt.org.uk we may also collect the above personal information/data in this instance in order for us to respond to your enquiry.

6. Customer Communication

Upon becoming a subscriber to our service and unless you state otherwise we will contact you with consent via telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.

Ensuring your personal details & or preferences are kept up to date.

It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.

If you require your preferences to be updated then please contact us as soon as possible (details set out below within 'Contact' page).

7. What Personal Information Do We Collect?

We collect personal information about you when you give this to us when submitting your contact request. This would be, for example, a request to receive information about debt relief or professional guidance surrounding financial help from a service provider. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, personal details, together with details of your financial information, for example, bank account or employer details.

In order to provide you with a introduction to a Debt Service Provider or Debt Service Finder we will need to collect personal information. By proceeding with submitting to us your personal detail so that we may introduce you to either a Debt Service Provider or Debt Service Finder, you give your explicit consent to such information being processed by us and our third-party providers such as Debt Service Providers and Debt Service Finders for the purposes stated in this Privacy Policy.

We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.

8. How Do We Use Your Personal Information?

We may use your personal information:

  1. to enable you to access and use the Services;
  2. to personalise and improve aspects of our Services;
  3. for research, such as analysing market trends and customer demographics;
  4. to communicate with you, including some or all of the following:
    1. sending you information about products and services which we think may be of interest to you - this may include new product launches such as debt solutions, services that offer money saving offers, cheaper tariff services, credit reporting services, newsletters and opportunities to participate in market research;
    2. b. introducing you to Debt Service Provider or Debt Service Finder - in order to provide this service to you, we may also send that information to our partners such as our panel of Debt Service Providers and, or Debt Service Finders so that they can help find a solution that you may see fit to proceed with. When they do this, some of our partners may carry out credit checks on you to help you locate and realise any debts that may be present on your credit profile (see section 9 Who do we share your information with? below for further information on the type of checks that may be undertaken);
    3. c. sending you a confirmation email of your contact request - when you submit an application with us, you may automatically be sent confirmation of your application by email or SMS so that you have a record of it;
  5. to process an application between you and a third party such as a Debt Solutions Provider or Debt Solutions Finder;
  6. to match our data with data from other sources - we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and as well-organised as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our Services continue to be as personalised and focused as possible;
  7. to circulate our customer survey review which are available to customers once an application has been completed;
  8. to enable you to share our content with others, e.g. by using any 'Email a friend' or 'Share this' functionality on our Sites.
  9. to potentially pass on your data to third parties for marketing purposes as per section 9 where you have consented to do so.

Keeping you informed about the Services: You agree that we and, with your consent, other Debt Service Finders will be entitled to contact you (depending on your contact preferences) via email, post, telephone, SMS, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.

Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.

9. Who Do We Share Your Personal Information With?

When you complete an application, you consent to us disclosing your personal information to the following parties:

  1. ‘www.reducemydebt.org.uk’ Debt Daddy:: (i) to communicate with you, including sending you information about products and services which may be of interest to you; (ii) to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy.
  2. Debt Service Providers and Debt Service Finders as detailed below. You can view details to how they will process your personal data within their privacy polices below.
  3. Debt Service Finders but only where you have opted in to allow us to do so and they are detailed below. They will contact you with regards to Mobile Phone Tariff Saving Offers, Credit Score Reporting and Improvement Products, Energy Switching For Cheaper Tariffs, Discount Coupons. You can opt out at any time from receiving these communications.
    Services Provided Company Details: Privacy Policy:
    Debt Service Providers

    (Regulated FCA/IPA firms who may provide to you debt advice)
    Blackberry Finance Solutions Limited Privacy Policy
    Bridgestone Finance Privacy Policy
    Credit Fix Please Request from Provider
    Clear Money Solutions Privacy Policy
    Hanover Insolvency Privacy Policy
    Pathway Advice Privacy Policy
    Gregory Pennington Privacy Policy
    Andrew Wilson Privacy Policy
    Freeman Jones Privacy Policy
    UK Debt Advisors Privacy Policy
    Forest King Insolvency Privacy Policy
    Right Hand Finance Privacy Policy
    Pareto Please Request from Provider
    Money Advisor Privacy Policy
    Personal Insolvency Advice Limited No Company Website
    Pacifc FS No Company Website
    Debt Help Ltd Privacy Policy
    Clarity Debt Solutions No Company Website
    Hanover Insolvency Privacy Policy
    VS System Ltd Privacy Policy
    Debt Service Finders

    (Firms who may provide you with the opportunity to receive contact from other debt service providers at a later date)
    National Debt Help is a trading name of Money Tree Media Ltd Privacy Policy
    National Debt Support is a trading name of Money Tree Media Ltd Privacy Policy
    Debt Daddy is a trading name of Money Tree Media Ltd Privacy Policy
    We Stop Bailiffs is a trading name of Money Tree Media Ltd Privacy Policy
    Debt Defenders is a trading name of Money Tree Media Ltd Privacy Policy
    Dads Debt Support is a trading name of Clever Debt Solutions Ltd Privacy Policy
    Trusted Third Parties Company Details: Privacy Policy:
    Credit Reports

    (Firms who provide you with credit profile checking facilities)
    IMT Technologies Limited trading as Scores Matter Privacy Policy
    Mobile Phone Services

    (Firms that may provide cheaper mobile handsets and tariffs)
    Duke Leads Ltd trading as Mega Mobile Deals Privacy Policy
  4. Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
  5. if required or permitted to do so by law;
  6. if required to do so by any court, the Information Commissioners Office, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
  7. if necessary in connection with legal proceedings or potential legal proceedings; and/or
  8. in connection with the sale or potential sale of all or part of our business.
  9. collect your data and will share it for commercial gain with third parties. These organisations will have a relationship with you or it may be used where they have a lawful reason, which may include these organisation's own legitimate interest. Use includes tracing of individuals, verification and/or validation of the identity of individuals for the purposes of, but not limited to, anti-money laundering regulations, national security, crime prevention and detection, anti-fraud processes, asset recovery and asset reunification.

FRAUD PREVENTION AGENCIES (FPA'S)

If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering.

Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details.

10. Who Might Our Panel Of Debt Service Providers and Debt Service Finders Share Your Personal Information with?

Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the application) and verify the information that you have provided before providing a quote to you. Some providers may carry out checks with fraud prevention and credit reference agencies. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them.

This information exchange allows providers to verify the information that is provided during the solutions and quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent applications. These checks are not unique to users of our Services - they may also be carried out if you obtain solutions and quotes from other sources.

If you decide to enter into a debt solution offered to you by the Provider, the information you have provided to us, together with any further information requested by, and supplied by you or us to the third party provider, will be held by the provider for the purposes set out in that provider’s privacy policy or terms and conditions. Therefore, you are strongly advised to read your chosen provider’s privacy policy or terms and conditions and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the prescribed debt solution. We have no responsibility for the uses to which a provider puts your personal information.

11. What Cookies Do We Use?

Cookies and Web Beacons

This section sets out our use of Cookies when you use our sites. Please read it carefully as it explains how we and third parties may make use of your data collected by such Cookies. If you wish to understand how we make use of your data, more generally please refer to section 8.

To find out more about accepting or refusing cookies please visit www.allaboutcookies.org.

Our company uses non-invasive:

- session cookies

- statistic cookies

A cookie is a very small text file placed on your computer or device. Cookies help us to:

understand browsing habits on the Sites;

understand the number of visitors to the Sites and the pages visited.

Most cookies are deleted as soon as you close your browser or mobile application – these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire.

The cookies we use, are ones that do not identify any personal information about you, and they are essential to the operations of this site and our company.

FACEBOOK (VISITOR ACTION PIXEL)

We use the "visitor action pixels" from Facebook Inc (Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland ("Facebook")) on our website.

This allows user behaviour to be tracked after they have been redirected to the provider's website by clicking on a Facebook ad. This enables us to measure the effectiveness of Facebook ads for statistical and market research purposes. The data collected in this way is anonymous to us, i.e. we do not see the personal data of individual users. However, this data is stored and processed by Facebook, which is why we are informing you, based on our knowledge of the situation. Facebook may link this information to your Facebook account and also use it for its own promotional purposes, in accordance with Facebook's Data Usage Policy https://www.facebook.com/about/privacy/. You can allow Facebook and its partners to place ads on and off Facebook. A cookie may also be stored on your computer for these purposes.

The legal basis for the use of this service is Art. 6 paragraph 1 sentence 1 letter f GDPR. You can object to the collection of your data by Facebook pixel, or to the use of your data for the purpose of displaying Facebook ads by contacting the following address: https://www.facebook.com/settings?tab=ads.

Facebook is certified under the Privacy Shield Agreement and thus guarantees compliance with European data protection legislation (https://www.privacyshield.gov/participant?id=a2zt0000000GnywAAC&status=Active).

Privacy Policy for the use of Instagram

On our websites functions of the service Instagram are embedded. These functions are offered by the Instagram Inc., 1601 Willow Road, Menlo Park, CA, 94025, USA. If you are logged in to your Instagram account, you can link contents of our websites to your Instagram profile by clicking the Instagram button.

For further information, please review the Privacy Policy of Instagram: http://instagram.com/about/legal/privacy/

TWITTER CONVERSION TRACKING

On our website, we use the Conversion Tracking Service of Twitter Inc. (1355 Market Street #900, San Francisco, California 94103, "Twitter"). Twitter stores a cookie on the user's computer to enable an analysis of the use of our online products and services. Twitter Conversion Tracking tracks the actions of users after they have viewed ads or interacted with ads on Twitter. Twitter's Conversion Tracking allows you to assign conversions such as link clicks, retweets or "like" data.

The legal basis for the use of this service is Art. 6 paragraph 1 sentence 1 letter f GDPR. If you wish to object to tracking, you can do so using the Digital Advertising Alliance tool at optout.aboutads.info.

Twitter is certified under the Privacy Shield Agreement and thus guarantees its compliance with European data protection legislation: (https://www.privacyshield.gov/participant?id=a2zt0000000TORzAAO&status=Active)

Cookie settings

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. Please note that by disallowing cookies some functionality on the site may be restricted.

12. How Secure Is Our Site And What Steps Do We Take To Keep Your Personal Information Safe?

Our Sites are "Let's Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.

We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.

Where will your personal data be held?

Your personal data may be held within the European Economic Area (EEA) or outside the EEA. If any personal data is transferred or stored outside of the EEA, we check whether the EU Commission has determined that it will afforded the same level of protection as it would within the EEA (this is called an adequacy decision). If it will not, we will ensure any such transfer is subject to appropriate safeguards (for example by putting appropriate contractual provisions in place with relevant third parties to provide us with reassurance about the security of your personal data) or is otherwise permitted (for example with your express consent to transfer) in accordance with the provisions of the GDPR.

13. Rights of Access To Your Personal Information

You have certain rights under the General Data Protection Regulations . For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.

  • Right to be informed when we collect your data we have to tell you what we are going to do with it primarily though this Privacy Policy and within the opt in /consent statement.
  • Right to Object- because you have asked us to help you find a financial product or service, we need to process the personal information you give us to enable us to a service available amongst our panel of Debt Service Providers and Debt Service Finders. You can object to this processing at any time by sending us an email at compliance@reducemydebt.org.uk, or by writing to the Customer Services Team at, 27 Old Gloucester Street, London, WC1N 3AX. We will action any request you make promptly, although this will mean that we will not be able to help you find the financial product or service that you asked us to search for.
  • Right of Access - you can ask us at any time to confirm whether we hold your personal information, and if so, you can access it by writing to us at: Compliance Department. Debt Daddy, 27 Old Gloucester Street, London, WC1N 3AX or by sending us an email at compliance@reducemydebt.org.uk
  • Right to rectification - if we hold personal information about you that is inaccurate, you can ask us to correct it, and we will do this as quickly as possible.
  • Right to erasure - if it is no longer necessary for us to hold your personal information bearing in mind the reason why you provided it to us, you can ask us to delete it. If you ask us to do this, we will delete your personal information as soon as possible although this will mean that we may not be able to help you find the financial product or service that you asked us to search for.
  • Right to restrict our use of your information - you can ask us to restrict our processing of your personal information if you think for example that the personal information you gave us is inaccurate. This may mean that we may not be able to help you find the financial product or service that you asked us to search for.
  • Right to data portability - this gives you the right to ask a holder of your information to transfer that information to another business. This right would most commonly be used if you were switching banks, insurance companies and utility companies.
  • Right to complain to the Information Commissioner's Office (ICO) - we will try to resolve any complaint that you may have in relation to data protection issues. If you are not happy with our final response you have the right to have your complaint dealt with by the ICO. Please refer to our Complaints section How To Make a Complaint below for further information.

To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team at compliance@reducemydebt.org.uk.

 

14. How Long Will We Retain Your Personal Information For?

The amount of time we retain your information for will depend on the reason it was provided:

  • If you request to opt out of marketing, we will still need to retain your information in order to evidence your preferences.
  • We will need to retain, for a minimum period of 6 years, any information relating to applications you have entered into on our website. This period will commence once your relationship with us has ended. We need to keep your information for this length of time to assist with any potential future complaints.
  • Your information/data will not be used for marketing purposes once 24 months has passed following your application.

If you require further information on our data retention policies please email: compliance@reducemydebt.org.uk.

15. Your Right To Opt Out of Future Contact From Us Or Any Listed Third Party

You can opt out of future contact from Debt Daddy at any time. All of our marketing messages provide an opt out link as stated in Section 2 Consent - please allow up to 48 hours for us to process your opt out request. Alternatively you can email compliance@reducemydebt.org.uk where your details will be removed from any future marketing campaigns.

If you are receiving contact from third parties you will need to contact them directly and request them to remove your details.

16. Your Right to be Forgotten / Erasure Of Your Personal Information

Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:

  • Where the personal data is no longer necessary in relation to the purpose for which it was originally collected/processed.
  • When the individual withdraws consent.
  • When the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
  • The personal data was unlawfully processed (i.e. otherwise in breach of the GDPR).
  • The personal data has to be erased in order to comply with a legal obligation.
  • The personal data is processed in relation to the offer of information society services to a child.

There are some circumstances where the right "to be forgotten" does not apply i.e. where we need to comply with a legal obligation.

If you wish to request your "right to be forgotten" please email: compliance@reducemydebt.org.uk

Our marketing partners will also be informed of your request where you have stipulated to do so.

17. How to make a complaint

https://www.reducemydebt.org.uk always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways:

By Post:
Complaints Department,, 27 Old Gloucester Street, London, WC1N 3AX

By Email: complaints@reducemydebt.org.uk

We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Tel: 0303 123 1113 (local rate) or 01625 545 745

if you prefer to use a national rate number

Fax: 01625 524 510

Last Updated January 2019

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You will be contacted by one of our partners shown below:

  • Aperture
  • Blackberry Finance Solutions
  • Bridgestone Finance
  • Credit Fix
  • Curtis Faraday
  • Clear Money Solutions
  • Hanover Insolvency
  • Harrows Insolvency
  • Positive Debt Solutions
  • Pathway Advice
  • Gregory Pennington
  • Andrew Wilson
  • Freeman Jones
  • Forest King Insolvency
  • Right Hand Finance
  • Pareto
  • Money Advisor
  • Personal Insolvency Advice Limited
  • Pacifc FS
  • Debt Help Ltd
  • RCO Financial
  • Clarity Debt Solutions
  • Hanover Insolvency
  • VS System Ltd
  • LottoGo
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Tiny Star Media Ltd Registered Office: 27 Old Gloucester Street, London, United Kingdom, WC1N 3AX Company Reg No. 14634353 ICO Reg. ZB508224

Our service involves connecting you with a solicitor who may offer you guidance regarding your financial circumstance. We are on your side and here to help you.