Privacy Policy
Privacy Policy
Who are we?
We are My Debt Plan Limited (referred to as “we”, “us” and “our” within this policy), a company registered in England and Wales registered number 10992838 registered office Blenheim Court, Carrs Road, Cheadle, SK8 2JY. Our ICO registration number is ZB284067 and can be checked at https://ico.org.uk/ESDWebPages/Entry/ZB284067
It is important that you read this privacy policy so that you are fully aware of how and why we use your personal information. This website if not intended for use by anyone under the age of 16 and people below this age should not use this website nor enter any personal information into it.
If you have any questions about our data protection and privacy policies and procedures, we can be contacted by writing to the registered office detailed above, by email to info@mydebt-plan.co.uk or by telephone on 0161 359 4535.
We reserve the right the change, amend or modify this policy as we see fit. Once amended the most current version shall be displayed on our website.
What personal information will we collect and how?
We will only collect information from you that we need in order to provide the service for which you are applying. This includes sufficient information to enable us to perform our legal, regulatory or contractual obligations as required to provide that service.
This will likely include the collection of:
- Personal information in order to identify you such as name, address, date of birth and contact details
- Financial and employment details, including Credit Reference Agency data
- Sensitive personal information (sometimes known as special category data), for example health information. We will only collect this data where necessary and with your specific consent
- Behavioural or technical information such as details of how you browse our website and the types of technology you use to access our website. This information is collected using cookies, for more details on these see below.
We collect information when you use our website, when you speak to us over the phone and when you correspond with us via email or post. Occasionally we may also collect information about you from third parties or publicly available sources.
When you contact us by telephone your call may be recorded for training and monitoring purposes.
How we use your information, the grounds for doing so and why
Who do we share your information with?
We may share your information with:
- Your creditors and their representatives
- Other companies within our group
- Third-party service providers, for example
- IT software service providers
- Payment Service companies
- Communication providers
- Printers
- Claims management companies/Solicitors
- Back office support providers
- Our regulators/professional bodies, including the Insolvency Service and the Insolvency Practitioners’ Association
- Our bond providers/insurers
- Law enforcement and/or fraud prevention agencies
- Any party we may merge with, sell all or part of our business to or a party we may acquire.
- Approved partners that offer alternative solutions
We have strict contractual terms governing how third parties handle your data and what it may be used for. It should only be used for necessary and legitimate purposes, as set out in the table above. We will only provide them with the information they need to perform their specific services.
All third parties are contractually required to keep your personal data secure and confidential and only process it in accordance with the legal obligations set out in the UKs General Data Protection Regulation and the Data Protection Act 2018. This also applies to any third party service providers that may be located outside of the European Economic Area.
If you choose to pursue an alternative solution with one of our chosen partners we recommend you read the terms of that partner’s privacy policy as well for full details of how they may handle your information.
What communication you might receive from us?
You may receive 2 types of communication from us if you have given your consent:
- Marketing communications offering products or services we feel you may be interested in. You can easily let us know if you wish to opt out from marketing communications at any time by using the contact details above.
- Service communications or communications we are obliged by our regulator to send you from time to time.
How long we hold your information for
If you choose not to proceed with our service after the initial advice has been provided your personal information will normally be deleted after 12 months, unless we have another reason to keep your personal information (for example you have consented to receive marketing information from us).
If you enter into a solution with us we your data will be stored for 6 years following the date on which you last used our services. This is required in order to comply with our legal and regulatory obligations. After this time your data will be deleted.
Data security
It is extremely important to us that your information is secure, as such we have in place security measures to protect personal information being accidentally deleted, lost, or accessed by any unauthorised persons.
Your rights
- You have a right of access, meaning you have a right to know whether we hold your information, if we are processing that information as well as a right to request copies of any information we hold on you and details of any third parties we may have shared it with.
- You have a right of rectification, meaning if you feel we hold any information about you which us incomplete or inaccurate you can request that we rectify this.
- You have a right of erasure, meaning that you can ask us to erase your information. This is also known as the ‘right to be forgotten’. Upon receipt of such a request we shall remove any information about you save for where this is required to comply with a legal/regulatory obligation or to establish/defend a legal claim. In which case you have the right to restriction of processing meaning you can require us to restrict processing where we shall put your information beyond normal use restricting it to the purposes for which it was retained.
- You have a right to data portability, meaning where we process your information with your consent or because it was necessary to provide our service to you then you may request us to move, copy or transfer such information to you or another third party of your choosing in a structured and commonly used machine-readable format.
- You have a right to object, meaning you can object to our processing of your information where we are processing it on legitimate grounds. We will stop processing this information save for where this is required to comply with a legal/regulatory obligation or to establish/defend a legal claim.
- You have a right to withdraw consent, meaning that even where we process your information with your consent you can withdraw this consent at any time. This may mean we are unable to offer our service to you, where this is the case we shall notify you of that.
Cookies
When you use our website we may store some information on your computer un the form of a commonly used file called a ‘cookie’. These cookies are used to improve the online experience of most websites, including our own.
Some websites set cookies directly (first-party cookies) and some make use of services which set their own cookies (known as third-party cookies). We may make use of these types of cookies for purposes including personalisation of the website for returning customers.
Most internet browsers allow you to erase cookies from your computer, block cookies or give you a warning before a cookie is stored on your device. For further information consult the user guide for your particular browser.
Complaints
We request that any complaints are made to us to allow us to investigate and respond. Complaints should be sent to complaints@mydebt-plan.co.uk . Complaints can also be sent direct to the Information Commissioners Office who can be contacted here https://ico.org.uk/make-a-complaint/
