Privacy Policy

PRIVACY POLICY AND OTHER KEY TERMS

At Debt Advisory Group Limited one of our main priorities is the privacy of our clients and website visitors. This Privacy Policy document contains types of information that is collected and recorded by Debt Advisory Group Limited and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

The business of Debt Advisory Group Limited (trading as www.debtliberty.co.uk) is the provision of professional services and involves the collection of Personal Information from individuals who may be interested in a specific type of service. Where appropriate, we share this personal information with who are businesses that also provide services in the area for which the personal information was collected.

We use advertising, for example on social media sites, to attract individuals that may be suited for our business products or services, or those of our carefully selected partners. We are up front and open about what we do, and this Privacy Policy sets out how we collect your personal data, what we do with it, who we give it to, how we keep it safe and how long we store it for. Although we sell personal data, we believe that transparency is important, and we strive to do our best to protect your personal information in accordance with this Privacy Policy.

At all times we are bound by the Insolvency Code of Ethics and have a zero-tolerance policy regarding any form of bribery.

DEFINITIONS

When we talk about ‘us’, we mean Debt Advisory Group Limited, of which www.debtliberty.co.uk is a trading style. We are the operator of this website. When we talk about ‘you’, we mean the person using this website or services of this website or participating in any surveys, questionnaires or quizzes produced by this website; or alternatively someone with a relevant financial relationship to such as person, whose details have been provided by that person for the purpose of fulfilling contractual or pre-contractual requirements.

‘Personal data’ or ‘personal information’ is information that directly identifies you, such as your name and email address, or data that could be used, on its own or in combination with other data, to identify you.

It is very important to us to protect your personal data and to use it strictly in adherence with applicable privacy and data protection laws.  When we do, we are regulated under the General Data Protection Regulation, which applies across the European Economic Area (including the United Kingdom), and we are responsible as “controller” of that personal information for the purposes of those laws.

General

 These Terms are governed by and shall be construed in accordance with English law. Disputes in connection with Debt Advisory Group Limited and our policies shall be subject to the jurisdiction of English Courts.

STAYING ANONYMOUS


You can browse our website anonymously, although cookies may be collected. You will not be able to access surveys or questionnaires anonymously.

USE OF WEBSITE

 This Website is intended for use by residents of the United Kingdom of Great Britain and Northern Ireland only. By using the Website, users are deemed to have full knowledge of the following terms and conditions and to accept them.

 Copyright

 All information on this Website is protected by copyright. Users may view Website pages on screen and may print or download extracts for personal use or for use by others within their organisations. Users may supply a copy of any such extract to any third party provided that:

  • the extract is for their own personal use; 
  • the extract is not supplied as part of or incorporated in another work, website or publication;
  • the extract is not supplied either directly or indirectly in return for commercial gain; and
  • the third party is made aware that the source of the copy of this website and that these terms and conditions apply equally to them.

 No part of this Website may be reproduced, transmitted to, or stored on any other website or in any other form of electronic medium without Debt Advisory Group Ltd’s written consent.

Continuity and quality of service

 Debt Advisory Group Ltd will use its reasonable endeavours to provide users with a prompt and continuing service. Debt Advisory Group does not, however, warrant that the service it provides will continue uninterrupted or without delay or that it will remain unchanged. In particular, Debt Advisory Group Ltd reserves the right to bring the Website down as and when necessary for the purposes of maintenance.

 Whilst Debt Advisory Group Ltd will use its reasonable endeavours to ensure that the information contained in the Website is correct and reliable, no warranty, either express or implied, is given as to the accuracy or completeness of that information.

 The Website is intended to provide users with general information relating to debt and debt solution as well as Debt Advisory Group Ltd, its various products and services and other financial information which may be of relevance or interest to users. The Website is not intended to provide exhaustive details in respect of any of the issues or matters referred to on it, and should be treated by users as non-binding guidance.

 Prior to making any decision or taking any action which may potentially affect users’ personal finances or business, users are urged to take independent advice from suitably qualified advisors. 

External site links

 Our Website may from time to time contain hypertext links to a number of websites owned, operated and controlled by third parties, Debt Advisory group Ltd has no control over or proprietary interest in any of these websites and, as such, makes no warranties with regard to the quality, security, accuracy or any other aspect of such sites, and excludes any and all liability arising from use of the same.

Advertising Partners Privacy Policies

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Debt Advisory Group, which are sent directly to users’ browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalise the advertising content that you see on websites that you visit.

Note that Debt Advisory Group has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

Debt Advisory Group’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites.

  Disclaimer

 Debt Advisory Group Ltd shall not be liable for any third-party claims or losses of any nature, including, but not limited to, loss of profits, indirect or consequential loss or loss due to circumstances beyond its reasonable control.

 Debt Advisory Group Ltd does not accept any liability for any acts or omissions resulting from users’ decisions or opinions formed on the basis of use of the Website

  Debt Advisory Group Ltd makes every effort to ensure that the information and data contained on the Website is correct. Debt advisory group Ltd, however, accepts no liability and does not guarantee that the information and data provided is up to date, correct and complete. This also applies for all other websites referred to by means of a hyperlink from time to time. Debt Advisory Group Ltd is not responsible for the contents of such websites reached by means of such a link and reserves the right to modify or supplement the information or data provided without prior notice.

 COLLECTION OF DATA

We collect personal data about you when you give it to us or explicitly consent for it to be given to us. This generally occurs when you complete an online form, survey, quiz or questionnaire in which case you have chosen to consent to the collection and subsequent sale of your personal data.

We may also collect information about you from a client or prospective client of ours because you have a relevant financial relationship to that client or from publicly accessible sources such as the Individual Insolvency Register; Companies House; HM Land Registry and credit reference agencies.

We collect and process the minimum amount of information we need to be able to provide a service to you which you have expressed interest in, or to fulfil a service contract, or to meet a legal obligation. How much data we collect depends on your individual circumstances. This information can include:

  • Your first name and last name;
  • Your email address;
  • Your phone number;
  • Your postal address;
  • Your gender and date of birth;
  • The number and age(s) of any dependents;
  • Your employment status including details of any self-employment, Limited company or corporate partnership you are associated with;
  • Your current income and expenditure;
  • If you are a homeowner and, if so, your property value and how much you owe which is secured against it;
  • Your current and historical assets position including disposals of assets;
  • Your liabilities to your creditors and historical information about your indebtedness;
  • Any information provided to us by authorised third parties such as partners, civil partners, spouses, friends or relatives who may be assisting you and us in the provision of our professional services to you;
  • Your current and historic tax affairs.

We will also collect information by maintaining records of:

  • etails of contact we have had with you in relation to the provision, or the proposed provision, of our services;
  • .

In order to take account of any particular requirements you may have, we may seek sensitive personal data from you concerning health details, but if we do, we will always ensure we seek your explicit consent to collect such data.  We will not seek to collect information revealing your religious beliefs or ethnic origin.

Other than listed above, we do not collect financial information, such as bank card details, relating to you.

Under Data Protection Law, we can only store and use your personal data if we have a proper reason for doing so.

LOG FILES AND COOKIES

Log Files

Debt Advisory Group uses log files to log visitors when they visit our websites. The information collected by log files include internet protocol (IP) addresses, browser type, date and time stamp, referring/exit pages. These are not linked to any information that is personally identifiable. The purpose of the information is for analysing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.

Cookies and Web Beacons

We may also use ‘cookies’ on our website to provide a way for the website to recognise you and keep a track of your preferences, and to enable you to contact us directly from the website. Cookies may also be used to optimise website speed for your convenience, to allow you to customize our web pages and so that you do not have to keep filling in your details repeatedly. We may collect information about your IP address and how you used our site.

That data collected by cookies does not usually identify you but may be combined with other information to identify you. If we identify you using information from cookies, we may use that information to track how you use our website and send you information more specific to your needs, or to invite you to purchase one of our services.

Please read our Cookies Policy for more information.

USE OF DATA

We may process your personal data for purposes necessary for the performance of our contract with you, or pursuant to a proposed contract with you, or to comply with our legal obligations.

We may also process your personal data for the purposes of our own legitimate interests provided that those interests do not override any of your own interests, rights and freedoms which require the protection of personal data. This includes processing for marketing, business development, statistical and management purposes.

We may also process your personal data because you have given your consent for us to do so.

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

We use your personal data primarily to provide services to you but also for related purposes as described within this Privacy Notice including:

  • Conducting any necessary checks to identify you, verify your identity and screen for financial or other sanctions;
  • Gathering and providing information required by or relating to audits, enquiries and investigations by regulatory bodies;
  • Complying with professional, legal and regulatory obligations that apply to our business;
  • Ensuring business policies are adhered to, E.G. policies covering security and internet use;
  • Operational reasons, such as improving efficiency, training and quality control;
  • Ensuring the confidentiality of commercially sensitive information;
  • Statistical analysis to help us manage our practice, E.G. in relation to financial performance, client base, work type and other efficiency measures;
  • Updating and enhancing client records;
  • Preventing unauthorized access and modifications to systems;
  • Preparing and filing statutory returns;
  • Ensuring safe working practices and monitoring and managing staff absences and staff access to systems and facilities;
  • Staff administration and assessments, monitoring staff conduct and disciplinary matters;
  • Marketing our services;
  • Any necessary credit reference checks via external credit reference agencies;
  • External required audits and quality checks, E.G. ISO or Investors in People accreditation;
  • Provide, operate, and maintain our website
  • Improve, personalise, and expand our website
  • Develop new products, services, features, and functionality;
  • Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes;
  • Find and prevent fraud;
  • Notifying you of any changes to our services or policies as necessary.

We may also process your usage data (your IP address, geographical location, manner in which you used our site, etc) for our legitimate business purpose of monitoring and improving our website.

In some circumstances we may anonymise or pseudonymise the personal data so that it can no longer be associated with you, in which case we may use it without further notice to you.

We may also process your personal data without your knowledge or consent, in accordance with this notice, where we are legally required or permitted to do so.

Where we need to use your personal data for a reason, other than the purpose for which we originally collected it, we will only use your personal data where that reason is compatible with the original purpose. If we need to use your data for a new purpose we will notify you and communicate our legal basis for this new processing.

DATA SHARING

We may process your data by selling it and transferring it to our partners which have a legitimate interest in receiving it to enable them to deliver to you products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data.

We may do this under more than one lawful basis depending on the specific purpose for which we are using your data and this may include processing your personal data where you are an employee, subcontractor, supplier or customer of our client:

  • necessary for the performance of our contract with you or pursuant to a proposed contract with you (or our client) or to comply with our legal obligations;
  • .

Once we have delivered your personal data to a partner, that partner becomes a controller or joint controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to a partner, we are no longer responsible for their use of your personal data. Our partners have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you.

We may also share your personal information with:

  • The Insolvency Service for registration of an approved IVA;
  • Our case management system software providers to enable your case to be stored and maintained on our case management system;
  • Our insurers and auditors;
  • Your Creditors where the need arises;
  • The Courts Service where the need arises;
  • Bailiffs and other enforcement officers where the need arises;
  • Any third party who you authorise to deal with us in both providing and being party to your personal information such as partners, civil partners, spouses, friends or relatives who may be assisting you and us in the provision of our legal services to you;
  • Law enforcement agencies, government agencies or our professional regulatory body where we are required to do so.

This data sharing enables us to perform our legal services to you under the terms of the legal services contract between us or the proposed contract. We may also disclose your personal data where required to do so under legal or regulatory obligations.

The recipient of any such information will be bound by confidentiality obligations and where possible such information will be anonymised.

STORAGE AND DISCLOSURE OF DATA

Information and data may be held at our office, by authorised third parties, service providers connected to our legal services to you, in our e-mail system, storage providers of our files, accounts and case managements systems.

The personal data you provide to us is stored to ensure data protection, integrity and confidentiality. While we do our best to ensure the security of your data, no storage is 100% secure and we cannot guarantee the safety of your data. When your data is transferred to a partner organisation, such a transfer may include transfer of information across borders depending on where the partner is. This means your data may be transferred to, and stored, in computers outside of your state or country, and the data protection laws may be different from those where you live. By agreeing to this policy, you agree to such a transfer.

We do not propose to transfer any of your personal information to any party or location based outside of the European Economic Area (EEA), save where necessary to deliver the service to you for which we have been instructed.

RETENTION OF DATA

We will not hold the information identified above for longer than we have to.  When assessing what retention period is appropriate for your personal data, we take into consideration the requirements of our business and the services provided, any statutory, regulatory or legal obligations and the purposes for which we originally collected the personal data.  In accordance with these considerations, we will hold your data for the applicable period(s) as follows, commencing on the date of cessation of the service(s) provided by us:

KEEPING YOUR INFORMATION SAFE

We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorised way. We limit access to your personal information to those who have a genuine business need to know it. Those processing your personal data will do so only in an authorised manner and are subject to the duty of confidentiality.

We also have procedures in place to deal with any suspected data breach. We will notify you and any applicable regulator of a suspected data breach where we are legally required to do so.

If you want detailed information from “Get Safe Online” on how to protect your personal information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.

COLLECTION OF DATA OF MINORS

We do not intend to collect the personal data of persons under the age of 16 aside from basic information such as their age. If you are the guardian of a minor and suspect they may have provided us with their personal information, please contact us and request to have the minor’s personal information destroyed (use the contact information below).

DATA RIGHTS

Under the General Data Protection Regulation, subject to relevant criteria being met, you have a number of important rights free of charge. In summary, those include rights to:

  • Fair processing of information and transparency over how we use your personal information;
  • Access to your personal information and to certain other supplementary information that this Privacy Notice is already designed to address;
  • Require us to correct any mistakes in your information which we hold;
  • Require the erasure of personal information concerning you in certain situations;
  • Receive the personal information concerning you which you have provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to a third party in certain situations;
  • Object at any time to processing of personal information concerning you for direct marketing;
  • Object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you;
  • Object in certain other situations to our continued processing of your personal information;
  • Otherwise restrict our processing of your personal information in certain circumstances;
  • Claim compensation for damages caused by our breach of any data protection laws.

For further information on each of those rights, including the circumstances in which they apply, see the Guidance from the UK Information Commissioner’s Office (ICO) on individual’s rights under the General Data Protection Regulation.

At your request, we will tell you what personal data about you is being processed, on what basis, and by whom.

If you decide your data should not be processed for one or more purposes for which we require your consent, you may withdraw your consent from using your data in that way. Please note that we will action your request as soon as practically possible. However, such a request will not take effect immediately and you may still be contacted by us or our partners in the meantime.  Where the withdrawal of consent has material implications for the provision of services you have requested from us or our partners we will advise you of this fact prior to acting on your withdrawal instruction, and processing of your data is performed under an alternative legal basis we will similarly advise you of this fact and discuss what alternatives are available to you.

CONTACT US

Please let us know if you have any requests, feedback or concerns regarding the way we manage your personal data. Use the contact details below, providing enough information to enable us to identify you together with proof of your identity. We will respond to you within 30 days and take action, within reason, as quickly as possible.

If you have questions about your information we hold or how we use it, please contact us via email at: compliance@debtadvisorygroup.co.uk or by writing to our registered address Adamson House, Ground Floor, Towers Business Park, Didsbury, Manchester M20 2YY and allow us 30 working days to respond.

If you would like to unsubscribe from any marketing including SMS and e-mail alerts it may take up to 48 hours for this to take place.

If you are not happy with how we manage your concerns, you can contact your local data protection supervisory office, which in the UK is the Information Commissioners Office. For more information on this please see our complaints policy.

CHANGES TO THIS PRIVACY NOTICE

It is important to us that our privacy notice is regularly reviewed, and we will do so to keep it relevant, in line with our policies and up to date with changing regulation and laws. We will notify you of any changes by posting the new policy on this page. This privacy policy was last updated in October 2020.

PROFESSIONAL INDEMNITY INSURANCE PROVIDER

Professional Indemnity Insurance (PII) cover is provided by MG Insurer Brokers Ltd, under policy number Q201670. The territorial coverage is worldwide excluding professional business carried out from an office in the United States of America (USA) or Canada and excludes any action for a claim bought in any court in the USA or Canada.