Your Debt Line is a trading style of BCK (Birmingham) Limited, company number 08263295 and whose registered office is at Suite 1, First Floor, 73-75 Aston Road North, Birmingham, West Midlands, B6 4DA, United Kingdom (‘we’, ‘us’ or ‘our’). For the purposes of the Data Protection Act (‘DPA’). We take the privacy of our customers very seriously. We ask that you read this Privacy Policy (‘the Policy’) carefully as it contains important information about how we will use your personal data. Throughout this privacy policy, ‘you’ means the customer.

For the purposes of the Data Protection Act (‘DPA’), we are the ‘Data Controller’ (i.e. the company who is responsible for, and controls the processing of, your personal data).

Information Commissioner’s Office Registration Information:

Your Debt Line – ICO Registration Number: ZA112125

Contact Information

If you have any comments, queries and requests relating to our use of your information please contact us by post: The Compliance Manager, Your Debt Line, Suite 1, First Floor, 73-75 Aston Road North, Birmingham, West Midlands, B6 4DA, United Kingdom;

by telephone: 0333 880 4405 or by email: info@yourdebtline.com.

Scope of the Policy

Our Privacy Policy applies to our website, www.yourdebtline.com, as well as internal systems, procedures, and processes that govern how your personal information is used. Our website’s goal is to give visitors with useful information on debt remedies. The Policy governs the Data Controller’s use of personal data.

Your privacy is very important to us, and we have detailed how we process any personal data received from you or provided by you below.

Purposes for Processing Personal Data

• To contact you in relation to an online enquiry
• To determine whether we are able to provide you with our services
• To provide you with requested services, including support, updates and communications regarding requested services.
• For identity verification, fraud prevention, detection and anti-money laundering purposes
• To record any information required for the tailoring of our services in consideration of any of your needs and requirements.
• To improve our services and customise our website and its content to your particular preferences

We rely on the following lawful bases for processing:

1. Contract
2. Consent

We also rely upon ‘Legal Obligation’ where we are required to comply with any laws and regulations to which we are subject.

Use of Special Category Data

When you provide us with personal information, we will collect it (e.g. contact us for any reason or proceed with our services). We may hold special category data (commonly known as sensitive personal data) in some instances; we will need this information to adjust our approach to how we can best support you and your needs. For example, you may have a medical condition that requires a third party to handle your affairs, or you may have an impairment that requires us to contact you via a different method.

Any special category data held will be held in strictest confidentially and solely with your informed cooperation to assist us in providing the best service to you. If you do not explicitly consent to any impairment or vulnerability, the information will not be recorded and will not be provided to any third parties.

Data We Collect from You

We acquire personal data about you when you supply it to our firm in order for us to deliver our services to you and for the purposes specified in this Policy.

The Right to Lodge a Complaint with The Supervisory Authority

You have the right to make a complaint with the supervisory authority, the Information Commissioner’s Office (ICO), in the context of your personal data. We would, however, like the opportunity to address any issues before you approach the ICO, so please contact us first. If you wish to file a complaint, please visit our Complaint Policy.

Retention Period

We will only keep your personal information for as long as is necessary to fulfil our obligations under the terms of our service, as well as for any legal, accounting, or reporting needs.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk, of harm of unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, including applicable legal requirements. For example, If you make an enquiry with us, and we are not able to help you, for whatever reason, a record of your enquiry will be retained for 12 months.

Data Security

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential harm of unauthorised use or disclosure of your personal data, the purposes for which we process your personal data, and whether those purposes can be achieved through other means, as well as applicable legal requirements. For example, if you contact us and we are unable to assist you for any reason, a record of your inquiry will be kept for 12 months.

Recipients of The Personal Data

Throughout the provision of our service, we may need to disclose personal data to third parties. The categories of recipients of personal data are as follows:

Our agents and service providers (for example, suppliers of site and chat hosting, maintenance services, or creditors); law enforcement authorities in conjunction with any investigation to assist in the prevention of illegal behaviour;

According to the terms of the Policy, our third-party affiliates are: finance companies with whom we deal for the purposes of providing our services to you; and other third parties with whom we deal in the course of providing our services to you; and any regulators or authorities whose jurisdiction we operate within from time to time.

Links to other websites

As part of the service, our website may contain connections to other websites of interest. However, once you leave our site via these links, you should be aware that we have no control over the other website. As a result, we cannot guarantee the security or privacy of any information you supply when visiting other sites, and these sites are not covered by this privacy statement. You should proceed with caution and carefully read the privacy policy for the website in question.

Cookies

When you visit a website, a cookie is a little file containing letters and numbers that is downloaded to your computer. Many websites use cookies to remember your preferences, track what you’ve put in your shopping cart, and monitor the number of individuals that visit the site. Cookies are used by us. Please visit our Cookie Policy for more details on how we use cookies.

Changes to our privacy policy

Any changes to our privacy policy in the future will be posted to our website. This privacy policy was last updated May 2024.