This is privacy notice of https://ridmydebt.co.uk/.
We respect your privacy and are determined to protect your personal data.
The purpose of this privacy notice is to inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from). We’ll also tell you about your privacy rights and how the data protection law protects you.
This privacy notice is provided in a layered format so you can click through to the specific areas set out below.
What is the purpose of this privacy notice?
This privacy notice aims to give you information on how we collect and process your personal data through your use of this website, including any data you may provide through this website when you sign up as a subscriber to our service.
This website is not intended for children and we do not knowingly collect data relating to children.You must read this privacy notice together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices in connection to this service and is not intended to override or to be superseded by them.
My Debt Genie Limited is the controller and responsible for your personal data. Our company shall be referred to as, Rid My Debt, or https://ridmydebt.co.uk, “we”, “us” or “our” in this privacy notice). Our contact details are My Debt Genie Limited, who are registered in England and Wales (Company number 12806848), Registered Office; Office One, 1 Coldbath Square, Farringdon, London, EC1R 5HL. Licensed by the Information Commissioners Office, (registration number ZA783884).
My Debt Genie Limited is the controller and responsible for this website.
Rid My Debt are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the General Data Protection Regulations (GDPR).
Contained within this statement and set out below are details of the type of information that we at Rid My Debt may hold about “you” our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
We, and our panel of Debt Service Finders (DSF’s) and Debt Service Providers (DSP’s), will keep you informed with the progress of your application. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message. (see further section on ‘How we keep you informed’)
Lawful basis for collecting your personal data
We rely upon a different lawful basis to process your personal data according to the reason for which you have provided your data to us.
Our use of your personal data will always have a lawful basis.
When you submit your online debt help request (Contact Request) with Rid My Debt, we process your personal data on the basis that you have provided your consent to be contacted by Rid My Debt, our panel of Debt Service Finders (DSF) /Debt Service Providers (DSP) in relation to your Contact Request.
We will also rely on your consent to share your personal data with our Debt Service Finders who may offer similar debt help services. These third parties will contact you by the communication channel or channels which you have agreed to, offering products and services that maybe of interest.
Performance Of Contract:
Your personal data will also be processed on the basis that we need this information to fulfil our obligations under the contract we have entered into with you by providing you with a introduction to a Debt Service Finders or Debt Service Providers. Rid My Debt, our panel of Debt Service Finders / Debt Service Providers will contact you regarding your contact request.
This means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such contract.
We have a legitimate interest in processing your data (i.e. to share your application with our panel of Debt Service Finders / Debt Service Providers and Credit Reference Agencies) to obtain the service you have applied for.
It also includes processing your data for ID protection and tracing purposes such as Credit Reference and Fraud Prevention. This is in relation to appropriate agencies which are listed within section 9.
You can object to us processing your data in this way by contacting us at firstname.lastname@example.org or using the contact details stated in section 15 / 16.
PURPOSES FOR WHICH WE WILL USE YOUR PERSONAL DATA:
We have set out below, in a table format, a description of all the ways we plan to use your personal data, with the legal bases we rely on to do so.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.
|Purpose/Activity||Type of data||Lawful basis for processing including basis of legitimate interest|
|To register you as a new customer with us||(a) Identity
|Performance of a contract with you|
|For us to contact you in relation to your contact request||(a) Identity
|Performance of a contract with you|
|Debt Service Providers / Debt Service Finders to contact you
in relation to your contact request
|Performance of a contract with you|
|To promote our other similar offers to you from other
trading styles owned by My Debt Genie Limited
|To promote third party services and products to you based
on your marketing preferences
We may use your Identity, Contact, Technical, Usage and Profile Data 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.
You will receive marketing communications from us if you have consented to received information for products and services from us.
We will get your express opt-in consent before we share your personal data with any company outside My Debt Genie Limited for marketing purposes.
You can withdraw your consent to receive marketing offers we, or any associated third party, send to you any time.
To unsubscribe by email, click the “unsubscribe” link at the bottom of the email.
To unsubscribe by SMS, click the “mobile number” at the bottom of the SMS and reply with any word you choose. Alternatively, you may use our suggested words “Stop” or “Unsubscribe” in your SMS response.
Our opt-out system will recognise your opt-out request, and your details will be stored in a suppression list so that you do not receive future contact.
Alternatively, you can withdraw your consent by contacting us at email@example.com or using the contact details stated in section 15 / 16. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you changed your mind.
You may contact us to request information we hold about you by emailing or writing to:
My Debt Genie Limited
9a Leicester Road, Blaby, Leicester, United Kingdom, LE8 4GR
We may want to make contact with you with your consent at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via SMS, email or telephone. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is trusted to be used for the purpose it is specified for in ‘9.3 Who Do We Share Your Personal Information With?’. Third parties may also use the same means of contact stated above.
We use different methods to collect data from and about you including through:
If you apply with us and have a question about our services, or alternatively choose to send an email to firstname.lastname@example.org we may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
Upon becoming a subscriber to our service and unless you state otherwise we will contact you with consent via telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated then please contact us as soon as possible (details set out below within ‘Contact’ page).
We collect personal information about you when you give this to us when submitting your contact request. This would be, for example, a request to receive information about debt relief or professional guidance surrounding financial help from a service provider. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, personal details, together with details of your financial information, for example, bank account or employer details.
We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
We may use your personal information:
Keeping you informed about the Services: You agree that we and, with your consent, other Debt Service Finders will be entitled to contact you (depending on your contact preferences) via email, post, telephone, SMS, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.
Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.
When you complete an application, you consent to us disclosing your personal information to the following parties:
|Debt Service Providers
(Regulated FCA/IPA firms who may provide to you debt advice)
|Flexible Debt Solutions|
|FNK Legal Ltd|
|The IVA Advisors|
(Firms who provide you with credit profile checking facilities)
|Mobile Phone Services
(Firms that may provide cheaper mobile handsets and tariffs)
FRAUD PREVENTION AGENCIES (FPA’S)
If we reasonably believe false or inaccurate information has been provided, including in relation to a person’s identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering.
Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details.
Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the application) and verify the information that you have provided before providing a quote to you. Some providers may carry out checks with fraud prevention and credit reference agencies. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them.
This information exchange allows providers to verify the information that is provided during the solutions and quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent applications. These checks are not unique to users of our Services – they may also be carried out if you obtain solutions and quotes from other sources.
To find out more about accepting or refusing cookies please visit www.allaboutcookies.org.
Our company uses non-invasive:
– session cookies
– statistic cookies
A cookie is a very small text file placed on your computer or device. Cookies help us to:
understand browsing habits on the Sites;
understand the number of visitors to the Sites and the pages visited.
Most cookies are deleted as soon as you close your browser or mobile application – these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire.
The cookies we use, are ones that do not identify any personal information about you, and they are essential to the operations of this site and our company.
We use the “visitor action pixels” from Facebook Inc (Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland (“Facebook”)) on our website.
This allows user behaviour to be tracked after they have been redirected to the provider’s website by clicking on a Facebook ad. This enables us to measure the effectiveness of Facebook ads for statistical and market research purposes. The data collected in this way is anonymous to us, i.e. we do not see the personal data of individual users. However, this data is stored and processed by Facebook, which is why we are informing you, based on our knowledge of the situation. Facebook may link this information to your Facebook account and also use it for its own promotional purposes, in accordance with Facebook’s Data Usage Policy https://www.facebook.com/about/privacy/. You can allow Facebook and its partners to place ads on and off Facebook. A cookie may also be stored on your computer for these purposes.
The legal basis for the use of this service is Art. 6 paragraph 1 sentence 1 letter f GDPR. You can object to the collection of your data by Facebook pixel, or to the use of your data for the purpose of displaying Facebook ads by contacting the following address: https://www.facebook.com/settings?tab=ads.
Facebook is certified under the Privacy Shield Agreement and thus guarantees compliance with European data protection legislation (https://www.privacyshield.gov/participant?id=a2zt0000000GnywAAC&status=Active).
On our websites functions of the service Instagram are embedded. These functions are offered by the Instagram Inc., 1601 Willow Road, Menlo Park, CA, 94025, USA. If you are logged in to your Instagram account, you can link contents of our websites to your Instagram profile by clicking the Instagram button.
On our website, we use the Conversion Tracking Service of Twitter Inc. (1355 Market Street #900, San Francisco, California 94103, “Twitter”). Twitter stores a cookie on the user’s computer to enable an analysis of the use of our online products and services. Twitter Conversion Tracking tracks the actions of users after they have viewed ads or interacted with ads on Twitter. Twitter’s Conversion Tracking allows you to assign conversions such as link clicks, retweets or “like” data.
The legal basis for the use of this service is Art. 6 paragraph 1 sentence 1 letter f GDPR. If you wish to object to tracking, you can do so using the Digital Advertising Alliance tool at optout.aboutads.info.
Twitter is certified under the Privacy Shield Agreement and thus guarantees its compliance with European data protection legislation: (https://www.privacyshield.gov/participant?id=a2zt0000000TORzAAO&status=Active)
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. Please note that by disallowing cookies some functionality on the site may be restricted.
Our Sites are “Let’s Encrypt Secure Websites” and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.
We do our best to keep the information you disclose to us secure. However, we can’t guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.
Where will your personal data be held?
Your personal data may be held within the European Economic Area (EEA) or outside the EEA. If any personal data is transferred or stored outside of the EEA, we check whether the EU Commission has determined that it will afforded the same level of protection as it would within the EEA (this is called an adequacy decision). If it will not, we will ensure any such transfer is subject to appropriate safeguards (for example by putting appropriate contractual provisions in place with relevant third parties to provide us with reassurance about the security of your personal data) or is otherwise permitted (for example with your express consent to transfer) in accordance with the provisions of the GDPR.
You have certain rights under the General Data Protection Regulations . For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.
The amount of time we retain your information for will depend on the reason it was provided:
If you require further information on our data retention policies please email:email@example.com
You can opt out of future contact from Rid My Debt at any time. All of our marketing messages provide an opt out link as stated in Section 2 Consent – please allow up to 48 hours for us to process your opt out request. Alternatively you can email firstname.lastname@example.org where your details will be removed from any future marketing campaigns.
If you are receiving contact from third parties you will need to contact them directly and request them to remove your details.
Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:
There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.
If you wish to request your “right to be forgotten” please email: email@example.com
Our marketing partners will also be informed of your request where you have stipulated to do so.
https://www.ridmydebt.co.uk (My Debt Genie Limited ) always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways:
Complaints Department, My Debt Genie Limited , 9a Leicester Road, Blaby, Leicester, United Kingdom, LE8 4GR
By Email: firstname.lastname@example.org
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to –
Information Commissioner’s OfficeWycliffe HouseWater LaneWilmslowCheshireSK9 5AF
if you prefer to use a national rate number
Fax: 01625 524 510
Last Updated December 2020