PrivacyPolicy.

01

Who we are

Your Debt Advisor Limited is a company registered in England and Wales under company number 15677038. Our registered office is at 2 City Approach, Albert Street, Eccles, Manchester, England, M30 0BL.

We specialise in assisting individuals experiencing financial difficulties, including the preparation and administration of Individual Voluntary Arrangements (IVAs).

For the purposes of applicable data protection legislation, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, Your Debt Advisor Limited is the controller of the personal information described in this policy unless otherwise stated.

02

How we collect your information

We may obtain personal information directly from you when:

• you contact us through this website;
• you telephone, email or write to us;
• you ask us to consider your financial circumstances;
• you provide documents or other information to us; or
• you become a client and we provide services to you.

We may also receive information about you from third parties, including businesses that have previously discussed your financial circumstances with you and introduce you to us.

Where appropriate, we may obtain information from publicly available sources and organisations for purposes including identity verification, anti-money laundering checks, property ownership checks and verification of information relevant to your financial circumstances.

03

Information we may collect

The information we collect depends on your relationship with us and the services you require. It may include:

• your name and contact details;
• your address and previous addresses;
• your telephone number and email address;
• information you provide in messages or correspondence;
• information about your income, expenditure and financial circumstances;
• bank account and payment information;
• details of assets and property ownership;
• details of your creditors and amounts owed;
• documents supporting your income, expenditure, assets and liabilities;
• information about your household or family circumstances where relevant to your financial position; and
• information required to verify your identity and comply with legal or regulatory obligations.

Website enquiries

When you use the contact form on this website, we collect your first name, last name, telephone number, email address and the message you provide.

We may also record information associated with the submission, such as the date and time, the page from which the enquiry was submitted and campaign or referral information contained in the website address.

04

How and why we use your information

We only use personal information where we have a lawful basis for doing so. Depending on the circumstances, the purposes and lawful bases we rely upon may include the following.

05

Website contact enquiries

Information submitted through the contact form on this website is sent securely to our website systems and stored in our enquiry database.

We use service providers to help us operate the enquiry process. This currently includes cloud database infrastructure used to store enquiries, workflow automation services used to transfer enquiries between our systems, and our customer relationship management systems.

These providers process personal information on our behalf for the purpose of receiving, storing, transferring and managing your enquiry.

The consent confirmation displayed with the contact form confirms that you have read how we will use the information you submit. We do not use submission of the contact form as consent to send you unrelated marketing.

06

Who we may share information with

We do not sell or rent your personal information to third parties and we do not share your information with third parties for their own direct marketing purposes.

Where necessary, we may share information with:

• service providers and technology suppliers that process information on our behalf;
• professional advisers, agents and subcontractors where necessary to provide services;
• organisations involved in verifying identity, property or financial information;
• regulators, government bodies, courts or law enforcement organisations where required or permitted by law;
• your creditors where information is required as part of an IVA proposal or its administration; and
• another organisation in connection with a sale, restructuring or transfer of all or part of our business, where appropriate safeguards are in place.

Where another organisation processes personal information on our behalf, we require it to handle that information appropriately and only for the purposes for which it has been provided.

07

Your creditors and an IVA

If you propose an IVA, your creditors will receive information contained within your IVA proposal. This will include personal and financial information relevant to the proposal.

In some circumstances, and where appropriate, additional supporting information or documentation may also be provided to creditors in connection with the proposal or administration of the IVA.

These disclosures are made where necessary to carry out the IVA process and comply with applicable statutory, regulatory and professional requirements.

08

The Individual Insolvency Register

If an IVA is approved, information about the IVA is required to be entered on the Individual Insolvency Register maintained by the Insolvency Service.

The register is publicly accessible. Information concerning insolvency arrangements may also be made available to credit reference agencies in accordance with the applicable insolvency framework.

09

International transfers

Some of the organisations that provide technology or other services to us may process personal information in countries outside the United Kingdom.

Where personal information is transferred outside the UK, we take steps to ensure that the transfer is made in accordance with applicable data protection law. Depending on the circumstances, this may include relying on UK adequacy regulations or using appropriate contractual or other safeguards recognised under UK data protection law.

You can contact us if you would like further information about the safeguards relevant to your personal information.

10

How long we keep your information

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected and to meet applicable legal, regulatory, accounting and reporting requirements.

Retention periods vary depending on the nature of the information and your relationship with us.

Information and records relating to an IVA may need to be retained for a number of years following completion or termination of the arrangement in accordance with applicable insolvency, regulatory and record-keeping requirements.

Enquiries that do not result in an ongoing client relationship are retained only for an appropriate period having regard to the purpose of the enquiry, our record-keeping requirements and any legal or regulatory obligations.

11

Keeping your information secure

We use appropriate technical and organisational measures designed to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.

Access to personal information is limited to people and service providers who need it for legitimate business purposes, and our systems and suppliers are selected and managed with data security in mind.

Although we take reasonable steps to protect information, no transmission of information over the internet or electronic storage system can be guaranteed to be completely secure.

12

Your data protection rights

Depending on the circumstances and the lawful basis on which your information is processed, you may have rights including the right to:

• request access to personal information we hold about you;
• ask us to correct inaccurate or incomplete information;
• ask us to erase personal information in certain circumstances;
• ask us to restrict the processing of your information in certain circumstances;
• object to certain processing of your personal information;
• receive certain information in a portable format where the right to data portability applies; and
• withdraw consent where we rely on consent for a particular processing activity.

If you wish to exercise a data protection right, contact us at help@yourdebtadvisor.org.uk.

13

Complaints about your personal information

If you have concerns about how we have handled your personal information, please contact us first so that we have the opportunity to investigate your concerns.

You also have the right to raise a concern with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection.

14

Cookies and website information

This website may use cookies and similar technologies that are necessary for the operation, security and functionality of the website.

If we introduce analytics, advertising or other non-essential cookies, we will provide appropriate information and consent controls where required before those technologies are used.

15

Links to other websites

Our website may contain links to websites operated by other organisations. This privacy policy applies only to Your Debt Advisor Limited.

We are not responsible for the privacy practices of third-party websites and recommend that you review their privacy information when visiting them.