Dexter Bell Associates Ltd may collect, process and store personal information in order 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.
When and how we collect your information
We collect your information in a number of different 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) in order 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) in order 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 ect)
Address and contact details (telephone number, email)
financial information (Income, expenditure, creditors, investments etc)
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)
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 in order 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 in order to offer advice and or establish which debt solution best suits your needs. If you choose to enter in to 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 in order to provide these services. In the event that 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 periodically contact you in order to review the information we hold to ensure it is accurate and up to date. This is necessary in order 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.
We may process your information in order 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 whom provide the following services to us-
Payment services such as card and BACS processing
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.
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 in order 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-
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 are able to 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.
In the event that we hold/process your personal information you have the following rights in regard to the information we hold/process –
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 in order 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 in order 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.
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.
Dexter Bell Associates ltd
500 Kings Road
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 https://ico.org.uk/
Updates to this policy