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Protecting your personal data is important to us. This notice explains how we collect, use and store your personal information.
Loan Consolidation is a trading style of Dee Valley Finance Limited and is committed to protecting the privacy and security of your personal data. This privacy notice explains how we collect, use and store your personal information.
This privacy policy applies to you if you provide your personal information to us.
If you have any questions about how we may use your personal information you can contact us at:
Please note that this website and our products and services are not intended for children and we do not proactively collect their personal information. However, we are sometimes given information about children as part of providing advice and setting up products and services. The information in the relevant parts of this notice applies to children as well as adults.
If you are not happy with how we process your personal information you should contact us in the first instance. If you’re not happy with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissioner’s Office. You can find their details on their website at ico.org.uk.
Dee Valley Finance is a “Data Controller”. This means that we are responsible for deciding how we hold and use personal information about you. We are required under data protection legislation to notify you of the information contained in this privacy notice.
At times Dee Valley Finance acts as a “Data Processor”. This means that we process personal information about you on another Data Controller’s behalf and instruction. We will only do so where the Data Controller has explicit consent to share your information with us for a specified purpose(s).
It is important that you read this notice, together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal information about you, so that you are aware of how and why we are using such information.
We will only collect information that we genuinely need, or where we’re required to collect the information to enable us to perform our legal or contractual obligations necessary to provide you with the products or services, where we have a legitimate interest to do so, or where we have your permission. This will likely include the collection of:
Data protection law defines some personal information as “special categories of data”. This includes information about physical or mental health, sexual orientation, religious beliefs, race or ethnic origin, political opinions, trade union membership or biometric data. Some of this information may be necessary to collect when seeking to understand the reason for your financial circumstances, or if it may help us to provide a better service to you. For example, a period of ill health could be the reason for your financial difficulties.
Where we need to collect and process this type of data about you, by providing this information to us you give your explicit consent for us and any other third party to process this special data as set out in this privacy policy, unless we have a legal obligation to process this type of data.
If you provide personal information about someone else or a joint application is made, you must do so with the permission of the other person. Your personal information may be shared with the other person on the application. We will use the personal information about the other person in the ways as described in this privacy policy.
We collect your information in several ways:
We can only use your personal information where it falls into one or more of the following categories:
Any personal information provided and collected as part of your enquiry will be under the lawful basis of our legitimate interest and it is necessary to provide you with the best service possible.
To be able to service and provide the best possible service we need to collect certain categories of personal data. This includes:
Our regulators, such as the Financial Conduct Authority, the Information Commissioner’s Office or any other regulatory body or authority may request certain information as part of supervising us. We have a legal or regulatory obligation to provide this.
Where you make an enquiry on our website, social media or advertising platforms, your information is securely stored on our CRM system. The information provided will be shared with our panel of trusted 3rd party companies who will use this information to service your enquiry. They will use this information to provide all appropriate information about any products or solutions available to help gain the best outcome for your individual circumstances.
The trusted 3rd party companies are:
Your data may be passed to T Dot UK Limited in order to assist you in your search for a loan. Please find their privacy policy here: t.uk/b-privacy
If you do not go ahead with a debt solution your information will normally be deleted after 2 years. However, if we introduce you to one of our debt partners to proceed with a debt solution then your information will be retained for six years. Telephone calls will be retained for 180 days.
We will be 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 regulations, financial crime, fraud and terrorist financing detection and prevention purposes, and our regulatory commitments set out by the Financial Conduct Authority.
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.
In addition to the companies, organisations and other third parties set out above, we may also share your personal information with the following organisations:
These companies help us to provide our services to you. We will have a contract in place with any provider who directly provides us with such services to ensure that they comply with their data protection obligations and ensure that they have appropriate security measures in place.
We may also share your personal information where we have your consent to do so or where we’re required to do so under a legal or regulatory obligation or court order, such as the police, local authorities or the courts.
The personal 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.
We use publicly available social media platforms to promote our services, to provide updates and to share any news and promotional updates. We may collect personal information from these social media platforms, for example, if you post a message on our Facebook page. By providing any of your information to us through these platforms, you should be aware that:
the social media web pages are publicly available, and you must not provide any personal or sensitive information on our pages that are accessible to the public, such as your account information. We may ask you for your account information via a private message to identify you and to service any request you make; and
each social media platform will process any personal information you provide through the platform and will be processed in accordance with their own privacy policy. The privacy policies will be available to view on each social media platform.
We will only send your data outside of the European Economic Area (EEA) to:
If we do transfer information to our agents or advisers outside of the EEA, we will make sure that it is protected in the same way as if it was being used in the EEA. We’ll use one of these safeguards:
Please note that we currently out-source some of our operations to a third-party company in South Africa who have provided their data policies and security arrangements with us. They are subject to internal checks and scrutiny.
We take the protection of personal information very seriously, and we will maintain appropriate measures to maintain the confidentiality, integrity and availability of the information you have provided. Such measures include:
To help us keep you up to date about the products and services that we provide to you and to ensure that you’re kept fully informed, we may contact you by letter, telephone, email, text message, push notifications, social media or may send you messages by any online customer platforms or other electronic means.
If you don’t want to be contacted in a particular way, then you can request this at any time by contacting us, but if we are providing a service to you, we do need to be able to send you communications. This can often be due to a legal or regulatory requirement.
It is important that you keep us up to date when you change your contact details to ensure that we use your up to date contact information.
Whilst you continue to be our customer, we will keep a record of your personal information to ensure that we provide you with the best service possible and where we’re required to keep your personal information to meet our legal and regulatory obligations.
If you do not go ahead with a debt solution your information will normally be deleted after 2 years. However, if we introduce you to one of our debt partners to proceed with a debt solution then your information will be retained for six years. Telephone calls will be retained for 180 days from the date the call was made.
After this time we will delete the information or anonymise the information so that it cannot be linked back to you.
If you have provided us with your consent or if we are legally entitled to do so, we may contact you about other products and services that we offer which we think may interest you. We may do this through post, emails, text messages, telephone, social media or other electronic means.
You can easily let us know at any time if you would no longer like to receive these messages. You can contact us using the details below or by emailing us at info@deevalleyfinance.org.
When you visit our website or similar websites, Google may use our advertisements promoting our products and services which may appear on other third-party websites you visit across the internet for remarketing purposes, including cross-device remarketing. Google and other third parties will use cookies to tailor advertisements for website users based on their previous visit to our website.
We do not have any control over the advertisements you see on other third party websites, however you can request to opt out or customise these advertisements by using the Google Ads Preferences Manager.
We will record any telephone calls you make to us, or we make to you or any other third party. This is for training, monitoring and quality purposes and to meet our legal and regulatory obligations. Some telephone calls may be observed by staff for training and development purposes.
We will keep a copy of the telephone calls for 180 days from the date the telephone call was made.
If you have any questions or queries about how we use your personal information you can contact us or our Data Protection Officer using the address or email below:
If you are not happy with how we process your personal information you should contact us. If you’re not happy with how we have dealt with your complaint, you have the right to make a complaint with the Information Commissioner’s Office. You can find their details on their website at ico.org.uk.
Any updates to this privacy policy will be found on this page. If we make any important or significant changes to the way in which we collect and use your personal information we will endeavour to notify you of this change.
