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Privacy Policy

How your personal information is used by Assist My Finances

Your information will be held by Finance Lead Tech Limited T/A Assist My Finances.

Our Privacy Policy was last updated on 23rd May 2018

In this privacy notice, “We” “Our”, “Us” and “They” is Assist My Finances.

How do we use your personal information?

This privacy notice is to let you know how we will promise to look after your personal information, as we appreciate the importance of not only, your information but you’re trust in us. This includes what you tell us about yourself, the choices you give us about what marketing you want us to send you and what we learn through having you as our client along the way.

This notice explains how we do this, lets you know about your privacy rights and how the law protects you as a consumer, in accordance with the General Data Protection Regulation (GDPR).

Our Privacy Promise

We promise to:

  • To keep your data private and safe.
  • To never sell any part of your data.
  • To give you the freedom, to manage and review your marketing choices at any time.

Who We Are

Assist my Finances provides help, advice and guidance with Individual Voluntary Arrangements, to individuals that are seeking assistance in this area.

We asses our customers circumstances and needs to identify if they require financial support. Once identified, we can then look at what their best options may be. If, after their initial assessment, we cannot place them with one of our trusted Insolvency Practitioners for an IVA due to their circumstances, we then signpost them to the other solutions that could be more suitable for their circumstances.

We also work alongside a panel of partners who offer different Services and products or Financial Solutions.

Who could collect your data?

During your time with us and dependent upon your requirements and needs, along with speaking to Assist My Finances, you may be in contact with one or more of our preferred partners, who offer a selection of services and products, as follows:-

  • IVA’s
  • Insurance Products i.e. Home or Life Insurance
  • Preferred Debt Partners
  • Re-Mortgaging
  • Equity Release
  • Lending – Secured/Un-secured
  • Scottish Financial Solutions

If you have any questions or want more details about how we use your personal information, you can send us a quick email at info@assistmyfinances.co.uk

How the law protects you

As well as our promise to always protect your Privacy, your privacy is also protected by law. This section explains how that works.

The Data Protection law says that we can use your personal information as long as we have a proper reason to do so. This also includes sharing it outside Assist My Finances. The law says we must ensure we have one or more of these reasons:

  • So we can fulfil a contract we have with you, or
  • When you consent to it.
  • When it is our legal duty to do so, or
  • When it is in our legitimate interest

 

We are obliged to process personal data to comply with the law and therefore have a legal duty to use your personal information.

We rely on our legal obligation under the Insolvency Act 1986 and its subordinated legislation including any rules, regulations or orders, as from time to time re-enacted or amended, the Insolvency (Northern Ireland) Order 1989 and its subordinate legislation.

For what purpose do we use your personal information

Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so.

 

What we use your personal information for

Our reasons

Our legitimate interests

•      To complete individual applications to ascertain   your viability for an IVA Proposal.

•      To work alongside one of our Preferred Insolvency Practitioners to propose an Individual Voluntary Arrangement.

•      With your agreement, put you in contact with one of our Preferred Financial Service Providers.

•      To manage our relationship with you.

•      To develop new ways to meet our customers’ needs and to grow our business.

•      To develop and carry out marketing activities.

•      To provide advice or guidance about our products and services.

•      Fulfilling contracts.

•      Our legal duty.

•      Our legitimate interests.

•      Your consent

•      Keep our records up to date, work out which of our products and services may interest and benefit you and telling you about them.

•      Propose an Individual Voluntary Arrangements.

•      Seeking your consent when we need it to contact you.

•      Being efficient about how we fulfil our legal duties.

•      To develop and manage our brand, products and services.

•      To manage how we work with other companies that provide services to us and our customers.

•      Fulfilling contracts.

•      Our legal duty.

•      Our legitimate interests.

•      Developing products and services, and what we charge for them.

•      Being efficient about how we fulfil our legal and contractual duties.

•      Manage risk for our customers and ourselves.

•      Detect, investigate, report, and seek to prevent financial crime.

•      Obey laws and regulations that apply to us.

To respond to complaints and seek to resolve them.

•      Fulfilling contracts.

•      Our legal duty.

•      Our legitimate interests.

•      Developing and improving how we deal with financial crime, as well as doing our legal duties in this respect.

•      Complying with regulations that apply to us.

Being efficient about how we fulfil our legal and contractual duties.

•      To run our business in an efficient and proper way. This includes managing our financial position, business capability, planning,

•      Our legal duty.

•      Our legitimate interests.

• Complying with regulations that apply to us. • Being efficient about how we fulfil our legal and contractual duties.

 

 

 

Groups of Personal Information

In order for us to look at providing you with potential solutions/services, we do have to collect ‘Personal Information (data)’ that identifies you as an individual. The following table explains the different kinds of personal information we collect and why.

Type of personal information

Description,

including examples:

Why we want the data, and

what we will do with it:

Personal identifiers

Your full name, date of birth, passport/driving licence, National Insurance Number.

We require this to identify you and confirm it is you we are communicating with.

 

You cannot opt out of providing this information.

Contact information

Where you live and how to contact you.

We require this to identify you and communicate with you.

 

You cannot opt out of providing this information.

Financial information

Which will include your income Wage slips/Benefit statements, Tax returns, Bank Statements, assets & Savings Statements, expenditure details, Childcare Payments, Child Maintenance Payments (paid or received), Council Tax Bill, Tenancy Agreement/Mortgage Statement, Proof of Lodgings letter (payment amounts & what is covered under these payments), Life Insurance (Evidence of payments), HP/PCP Agreements (Proof of payments, Full Agreement & Term), Proof of Debt (Full Account Number & Balance. Which can be collected in the following way- Letters, Credit Search, Screen shots, Conference Calls with Creditors), Car Insurance Payments (Evidence of payments on Bank Statements or full Insurance Certificate), Car Tax Payments (Evidence of payments on Bank Statements), default history, legal action, county court judgements, previous credit history, credit

reference information, bank account and debit card details.

This information is requested and required to assess your eligibility for an IVA.

It is a contractual requirement for insolvency services.

You cannot opt out of providing this information.

 

In cases where an IVA would not be the most appropriate solution for you, we may be able to recommend other debt solutions, where the information you have already provided can be used to assess your eligibility for that solution. This information will only be provided to our Preferred Debt Partners with your permission.

Employment information

Which includes your employment status, occupation, pay date, salary amount, professional occupational status (e.g. Company Director, Police Officer).

We require this to assess your eligibility for debt solutions. As some Occupations or statuses can affect the viability of certain Financial Solutions.

It is a contractual requirement for insolvency services.

 

You cannot opt out of providing this information.

Credit Searches

Your full name, any previous names, date of birth, Current Address, last 7 Years Address history.

These are carried out to assess your eligibility for an IVA.

by ascertaining your Creditors, their balances and your total debt level. As it is requirement for IVA’s to have a minimum Debt level of £5,000 to be a legitimate application.

These are “Soft Searches” that do not leave a foot print on your Credit File.  

 

You cannot opt out of providing this information.

Life information

Includes your marital status, number of children and/or dependents, general household details.

We require this to assess your eligibility for debt solutions. It is a contractual requirement for insolvency services.

 

You cannot opt out of providing this information.

Health information

This includes physical or mental disabilities.

For example, if you complete the Debt and Mental Health Evidence Form.

We may request to document and/or collect this information to identify if you are potentially vulnerable or require any further support.

 

This information will only be documented with your consent.

 

You can opt out of providing this information.

Contractual

Details about the products or services we provide to you.

It is a contractual requirement for insolvency services.

You cannot opt out of providing this information.

Behavioural

Details about how you use our products and services.

Marketing may record the details and Management Information may be generated using this information.

 

You can opt out of providing this information.

Technical

Details on the devices and technology you use.

Marketing may record the details and Management Information may be generated using this information.

 

You can opt out of providing this information.

Communications between us

Information we learn about you from letters, emails, and conversations between us.

For example, a change in your circumstances.

These are essential communications, deemed necessary to fulfil our contractual and legal obligations.

 

You cannot opt out of providing this information.

Signable, (Electronic signature)

We can send documents to you by email which you will need to review, consider and where you decide to proceed, sign using an electronic signature. You may be required to provide personal information to electronically sign the document.

We will also collect information such as your name, the date and time of the event, the IP address and other information about the browser or device used to send, sign, approve or take other actions with respect to the document.

All this information is recorded as part of an audit trail that is linked to the electronically signed document.

 

You cannot opt out of providing this information. However, you may choose to opt out of using the electronic signature service and request to receive the documents by post.

Open Data and Public Records

Details about you that could already be on the Insolvency Register.

To assess your eligibility for the IVA application, we are required to check that you are not already listed on the Insolvency Register.

This is a contractual requirement for insolvency services.

 

You cannot opt out of providing this information.

Consents, Opt-in’s & Opt-out’s

For any permissions, consents, or preferences that you give us. This includes things like how you wish to be contacted, permissions for contacting your creditors and if you wish to Opt-out of any format of communications.

We require your consent to keep in contact with you via different lines of communications. To put you in contact with our Preferred Partners and to also act on your behalf through this process.

This is deemed necessary to fulfil our contractual and legal obligations.

 

You cannot opt out of providing this information.

Consumer feedback

Can include, information that you share with us regarding your time and experience using our services, such as personal stories and also complaints.

We may from time to time use this information for marketing purposes but never disclose the personal customers details. This information may also be used to evaluate and develop our services.

It may be shared with regulators and auditors.

 

You can opt out of providing this information.

 

Where we collect your personal information from

We may collect personal information about you from third parties we work alongside with, the data you supply us with, data we collect when you use our services:

  • When you apply for our products and services
  • When you talk to us on the phone
  • When you use our websites or mobile device apps
  • In emails and letters
  • In customer surveys

Data we collect when you use our services.

This includes the amount, frequency, type, location, origin and recipients:

Profile and usage data. This includes the profile you create to identify yourself when you connect to our internet, mobile and telephone services. It also includes other data about how you use those services. We gather this data from devices you use to connect to those services, such as computers and mobile phones, using cookies and other internet tracking software.

Data from third parties we work with:

  • Companies that introduce you to us
  • Creditors
  • Credit reference agencies
  • Fraud prevention agencies
  • Payroll service providers
  • Public information sources such as Companies House
  • Agents working on our behalf
  • Market researchers
  • Government and law enforcement agencies.

Transferring and sharing your information

As previously mentioned, we may share your information with our Panel or Preferred Partners in order to assist you further with your requirements and/or as without doing this we (or they) cannot carry out our legal duty.

We use the services of credit reference agencies for verifying your identity this usually will leave a ‘soft search’ on your credit file. These are carried out to assess your eligibility for an IVA, by ascertaining your Creditors, their balances and your total debt level. As it is requirement for IVA’s to evidence all of your Creditors and their amounts owed. We will share your personal information with credit reference agency and they will give us information about you. The data we provide and receive can include:

  • Name, address and date of birth
  • Details of any company you may still or have previously had a form of Credit with
  • Details of any shared credit
  • Financial situation and history
  • Public information, from sources such as the electoral register and Companies House.

We may share your data with Experian. Experian is one of the largest credit reference agencies in the UK. They already hold data on you. Experian may send to us details of who you owe money to and how much you owe. We’ll use this data in the same way we do from any other Credit Reference Agency, to:

  • Validate what you’ve told us is correct and up to date
  • Trace debts and creditors
  • Purpose your IVA
  • Help detect and prevent financial crime

This information will then be uploaded to your Cases File on our system, which will be shared with your Insolvency Practitioner to put together your Proposal for your IVA application.

When they send us your data they will record this on your credit file as a soft search i.e. it will not affect your credit score. Experian will not use your data for any other purpose.

For more information about this visit www.experian.co.uk

In accordance with our legal obligations we may be required to share information with the police, other law enforcement, government agencies or regulatory bodies.

Someone speaking on your behalf

You also have the option to appoint someone else to act on your behalf such as a spouse, family member or carer with whom we can share your information with. You will need to provide consent (usually Verbally) for us to be able to share your information with them, and you can revoke this consent at any time, verbally or written.

Who we share your personal information with

We may share your personal information with these organisations:

  • Agents and advisers who we use to put your IVA together and to also explore new products and services
  • Your creditors
  • The Insolvency Service
  • HM Revenue & Customs, regulators and other authorities
  • Credit reference agencies
  • Fraud prevention agencies
  • Insurers
  • Any party linked with your product or service
  • Companies we have a joint venture or agreement to co-operate with
  • Organisations that introduce you to us
  • Companies that we introduce you to
  • Market researchers
  • Independent Financial Advisors
  • Price comparison websites and similar companies that offer ways to research and apply for financial products and services
  • Companies you ask us to share your data with.

 

We could need to share your personal information with other organisations to provide you with the product or service you have chosen, with your consent.

We may also share your personal information if the make-up of Assist My Finances changes in the future:

  • We may choose to sell, transfer, or merge parts of our business, or our assets. Or we may seek to acquire other businesses or merge with them.
  • During any such process, we may share your data with other parties. We’ll only do this if they agree to keep your data safe and private.
  • If the change to Assist My Finances happens, then other parties may use your data in the same way as set out in this notice.

Fraud Prevention Agencies

We will need to confirm your identity before we provide products or services to you. Once you have become a customer of ours, we will also share your personal information as needed to help detect fraud and money-laundering risks. We use Fraud Prevention Agencies to help us with this.

Both we and fraud prevention agencies can only use your personal information if we have a proper reason to do so. It must be needed either for us to obey the law, or for a ‘legitimate interest’.

A legitimate interest is when we have a business or commercial reason to use your information. This must not unfairly go against what is right and best for.

We will use the information to:

  • Confirm identities
  • Help prevent fraud and money-laundering
  • Fulfil any contracts you have with us

We or a fraud prevention agency may allow law enforcement agencies to access your personal information. This is to support their duty to detect, investigate, prevent and prosecute crime.

If we, or a fraud prevention agency, decide there is a risk of fraud, we may stop activity on your case and the fraud prevention agency will also keep a record of the risk that you, or your business, may pose.

Fraud prevention agencies can keep personal information for different lengths of time. They can keep your data for up to six years if they find a risk of fraud or money-laundering.

Fraud prevention agencies may send personal information to countries outside the European Economic Area (EEA). When they do, there will be a contract in place to make sure the recipient protects the data to the same standard as the EEA. This may include following international frameworks for making data sharing secure.

Websites

If you use our website we may collect your IP address, cookies, browser information, and use plugins that collect your information (e.g. Google Analytics, WordPress and Yoast SEO). Cookies are text files places on your computer to collect standard internet log information and visitor behaviour information. This is used to track visitor use of the website and to compile statistical reports on website activity.

For further information visit www.about cookies.org or ICO.org.uk/concerns/cookies/

You can set your browser not to accept cookies and can find out more information in the links above, however in some cases our website features may not function as a result.

Our website and communications contain links to other organisations and websites. This privacy notice only applies to Assist My Finances.

Marketing

We may use your personal information to tell you about relevant products and offers. This is what we mean when we talk about ‘marketing’.

The personal information we have for you is made up of what you tell us, and data we collect when you use our services, or from third parties we work with.

We study this 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.

We can only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you.

You can ask us to stop sending you marketing messages by contacting us at any time.

Whatever you choose, you’ll still receive other important, and legally required, information and documents.

We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of our business.

If you change your mind you can update your choices at any time by contacting us.

Security

We will use all reasonable efforts to safeguard the information we collect about you by having security and organisational procedures in place.

All personal information we hold is securely stored, and we conduct regular testing or our cyber and physical security procedures to ensure this is maintained. If at any time we believe there has been a breach of your personal data we will notify you immediately.

If you choose not to give personal information

We may need to collect personal information by law, or under the terms of a contract we have with you.

If you choose not to give us this personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services required to propose your IVA. It could mean that we cancel a product or service you have with us. Any data collection that is optional would be made clear at the point of collection.

Letting us know if your personal information is incorrect

You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this. If you do, we will take reasonable steps to check its accuracy and correct it.

What if you want us to stop using your personal information

You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, or the ‘right to be forgotten’.

There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.

We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted. You can ask us to restrict the use of your personal information if:

  • It is not accurate.
  • It has been used unlawfully but you don’t want us to delete it.
  • It not relevant any more, but you want us to keep it for use in legal claims.
  • You have already asked us to stop using your data but you are waiting for us to tell you if we can keep on using it.

If you want to object to how we use your data, or ask us to delete it or restrict how we use it or, please contact us.

How to withdraw your consent

You can withdraw your consent at any time. Please contact us if you want to do so. If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.

How long we keep your personal information

We will keep your initial personal application information that you provide us with for a period of 6 months if you do not enter into an IVA through our services.

If you enter into an IVA via ourselves, we will hold your personal information for a period of up to 2 years. The reason for this is that all active IVA cases must undergo an annual Income and Expenditure Review, where initial information provided by yourself can at times need to be referred back too. Once this time frame has lapsed there is no legitimate reason for us to hold your information and will be destroyed.

We also retain your information to exorcise the following:

  • Respond to any questions or complaints.
  • To show that we treated you fairly.

Data portability

Data portability means that we can provide you with your personal information in a structured, commonly used and machine-readable form free of charge. This enables other organisations to use your data. If you require, we can supply this information directly to another organisation if technically feasible. You should contact us to exercise this right and we will respond within one month. This may be extended to two months if the request is complex and we will notify you if this is the case.

How to Opt-Out of receiving any form of communication from us

If at any time you decide you no longer wish to receive contact from Assist My Finances through any or all of the below methods:

  1. Landline (if a number has been provided)
  2. Mobile
  3. Text messaging
  4. Email

You can tell us that you don’t want us to contact you by any of the above methods or that you no longer want to receive any form of communication from us altogether, by telling us through any of the following ways:

  1. Verbally
  2. Via Text message
  3. Via Email

How to request a copy of your personal information

You can at any time, request access your personal information that we hold by writing to us at this address:

Finance Lead Tech Limited T/A Assist My Finances

registered office 83 Stockport Road,

Denton, MANCHESTER, M34 6DD.

Co Number: 09446694.

Registered in England and Wales.

DPA No: ZA101225.

This will be provided free of charge and we will respond within one month.

 

How to complain

Please let us know if you are unhappy with how we have used your personal information. You can contact us at info@assistmyfinances.co.uk or write to the above the above address.

You also have the right to complain to the Information Commissioner’s Office. Find out on their website how to report a concern: www.ico.org.uk.

Changes to our privacy notice

If we change how we plan to use your information in the future, we will give you 14 days’ notice of this. You have the right to refuse any such changes but it may result in the termination of our service if the refusal affects our ability to provide the service to you.

 

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Finance Lead Tech Limited T/A Assist My Finances, registered office 83 Stockport Road, Denton, MANCHESTER, M34 6DD.
Co Number: 09446694. Registered in England and Wales.
DPA No: ZA101225.

Finance Lead Tech Limited T/A Assist My Finances are an Appointed Representative of Sterling Green LTD who are authorised under the Financial Conduct Authority under registration number 808320. Finance Lead Tech Limited T/A Assist My Finances do not directly provide solutions. We offer no obligation referrals to trusted providers of appropriate solutions and receive a fee from these providers if you choose to proceed with the solution. Free and Impartial advice, debt counselling, debt adjustment and credit information services are available from the Money Advice Service and you can find out more by contacting them. The solutions on this page are not available if you reside in Scotland.