Privacy Policy

Dexter Bell Associates Ltd may collect, process and store personal information to provide advice, services and in some cases refer customers to associate companies in order that they can provide more
relevant advice and/or services.

This Privacy Statement explains how and why we collect, store, and process personal information. It also explains consumers rights regarding this information.

When and How We Collect Your Information

We collect your information in several ways.

When you communicate directly with us via email, telephone, text, in writing or when you complete a form on our website.
When your information is provided to us by a third party (if you have given your consent) for them to ‘introduce’ you to our services.
We will also collect your information from third parties such as your creditors (companies you owe money to) to provide our services.
When it is necessary to meet our regulatory or legal obligations.

What Information We May Collect

We will only collect information that it necessary to provide advice and or services relevant to your circumstances or information necessary to meet our regulatory or legal obligations.

Your personal details (name, date of birth, marital status etc)
Address and contact details (telephone number, email)
Financial information (Income, expenditure, creditors, investments etc)
Employment information
Reviews and feedback
Special personal information (any information that may be pertinent such as illness, injury etc)
Information regarding other people (in cases of joint applications or when this information is relevant to the provision of our service e.g., spousal earnings etc)
We may also track how you use our website/services; this may include the use of cookies.

Cookies

Cookies are small files saved on your phone, tablet or computer when you visit a website. We use cookies to make our website work and to collect information on how you use it.

Essential Cookies

Essential cookies keep your information secure while you the website. We do not need to ask permission to use them.

Name

XSRF-TOKEN

svSession

SSR-caching

bSession

fedops.logger.X

consent-policy

Purpose

Used for security reasons

Used in connection with user login

Used to indicate the system from which the site was rendered

Used for system effectiveness measurement

Used for stability/effectiveness measurement

Used for cookie banner parameters

Expires

Session

12 months

1 minute

30 minutes

12 months

Analytics Cookies (optional)

With your permission, we use Google Analytics to collect data about how you use our website. This information helps us to improve the website. Google is not allowed to share our analytics data with anyone.

Name

_ga

_gat_gtag

_gid

Purpose

Used to distinguish individual users on your domain

Used to limit the amount of user requests to maintain website performance

Used to distinguish individual users on your domain

Expires

2 years

1 minute

24 hours

How We Process Your Information

We will only process your personal information if one of the following applies:

We have your specific consent to do so.
It is necessary to provide advice in advance of, or to carry out, our contractual obligations.
It is necessary to meet our regulatory or legal obligations.
It is necessary to protect your vital interests.
It is necessary to perform a task which is in the public interest.
It is in our legitimate interest to do so. Any action taken under this category will not impact your rights.

Providing Our Services

During our initial consultation we will collect the relevant personal information as listed above to offer advice and or establish which debt solution best suits your needs. If you choose to enter into a Debt Management Plan or a Full and Final Settlement Service, we will process your information in order to provide the service (fulfil the contract with you). This will include contacting you via the methods for which you have opted in. It will also be necessary to share your information with your creditors to provide these services. If another service such as an IVA is more appropriate for you, we will, with your specific consent, pass your information to an affiliated third party in order that they can offer advice
and/or provide services.

We will contact you to review the information we hold to ensure it is accurate and up to date. This is necessary to effectively deliver the services we provide and to ensure the advice you receive is appropriate.

Legal or Regulatory Obligation

We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations.

Reviews and Market Research

Where we have a copy of your personal information, we may contact you to ask you to provide a review about the services you’ve received or where we are carrying out market research which may help us design future products and services or to help improve our current services. Although this information would really help us, you wouldn’t be required to provide us with this information unless you were happy to. We consider that this is in our legitimate interests to contact you in this way for market research purposes.

Responding to Complaints or Enquiries

If you make an enquiry or complaint with us, we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.

Internal/External Audit

We may process your information to assess how effectively we are providing our services to our customers.

Fraud Prevention/Money Laundering

The information we have collected from you may be shared with law enforcement agencies and fraud prevention agencies who will use it to prevent fraud, money-laundering and terrorist financing and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

Other Third Parties

It may be necessary to share your information with other third parties who provide the following services to us.

Telephone services
Payment services such as card and BACS processing
IT/software providers

These companies provide services to us that enable us to provide our services to you. In all cases we will have a contract in place with these companies to ensure they comply with their data protection obligations.

How Long We Hold Your Information For

We will hold your information for at least the full duration of any service we are providing you in order that we can fulfil our contractual obligations. We will normally keep your information for 6 years from the date we finish providing you with our service. After this period the data will be deleted or anonymised.

Telephone Recordings

We record all telephone calls for training, monitoring and regulatory purposes. These calls are stored for a 6-year period, after which they are deleted. These calls may be shared with third parties to meet our regulatory or legal obligations.

How We Will Contact You

We will only contact you using the details you have provided to us or that have been provided to us by
a third party with your consent. These will include

Email
WhatsApp
Post
Telephone
Text Message
Third Party Platforms

You can request not to be contacted by specific forms of communication. However, if we are providing a service such as a Debt Management Plan, it is very important that we can contact you in order to deliver the service effectively and meet our regulatory or legal obligations.

How We Store Your Information

We take the security of your information very seriously. The digital information we hold is encrypted and stored within the UK on secure, password protected servers. We have procedures in place to ensure this information is safe and can only be accessed by the appropriate members of staff. All terminals are encrypted, password protected and have anti-virus/malware installed.

Your Rights

If we hold/process your personal information you have the following rights regarding the information we hold/process:

Right to be informed – You have the right to be informed about the collection and use of your personal information. Details of which are included in this Privacy Policy.
Right of access – You have the right to access the information we hold about you via a ‘Subject access request’. You will not be charged for this request, and we will provide the information within 30 days.
Right to rectification – You have the right to request any inaccurate information be changed or any incomplete information completed. You will not be charged for this request, and we will provide the information within 30 days.
Right to erasure – You have the right to request any information be deleted/anonymised. However, if we are providing a service such as a Debt Management Plan it will be necessary for us to hold your information to fulfil the contract, we have with you. You will not be charged for this request, and we will provide the information within 30 days.
Right to object or restrict processing - You have the right to restrict the use of your information. However, if we are providing a service such as a Debt Management Plan it will be necessary for us to process your information to fulfil the contract, we have with you. You will not be charged for this request, and we will provide the information within 30 days.
Right to data portability, you have the right to request your information be ported (transferred) to another organisation.
Rights related to automated decision making/profiling – You have the right to be informed regarding the use of your information for automated decision making or profiling purposes. Details of which are included in this Privacy Policy.

Our Contact Information

In the event you need to contact us regarding the information we hold and or your rights in regards this information please contact us using the information below.
Data Controller
Dexter Bell Associates ltd
500 Kings Road
Manchester
M32 8JT
Tel - 0161 865 8400
Email - Info@dexterbellassociates.co.uk
If you are not happy with how we process your personal information, please contact us and we will endeavour to resolve your complaint. However, if you are not satisfied with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissioner’s Office.
Details can be found on their website at ico.org.uk

Updates to this Policy

If we change our Privacy Policy, we will inform you of this and let you know how you can access the policy.