Privacy Policy

You can be assured that all personal information will only be used in accordance with this privacy policy, the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Consent to be contacted

In making an enquiry on this website, you are consenting to Guardian Insolvency Ltd to contact you by phone, email or text message.

What We Collect

How We Use Your Data

• The personal data you supply to us is used to assess your suitability for a debt solution. Should you qualify for a solution we offer, information about your financial situation may be shared (with your prior consent) with your creditors so they can all understand your situation.
• We may refer your case to one of our business partners. This is only done with your prior explicit consent.
• We may be required to share your data with law enforcement agencies and our regulators.
• We may use your data for demographic profiling as part of marketing analysis. You have the right to request we cease this.

Our Lawful Basis for Using Your Data

Data protection law only allows us to use your personal data where we have a lawful reason to do so. The table below shows what we use your data for and the lawful basis we rely on.

If you tell us about your health or other personal circumstances that make you vulnerable, we will only use this to support you and tailor our service, and only with your explicit consent. [confirm]

Who We Share Your Data With

We never sell your personal data. We only share it where needed for the purposes above, with:

• your creditors, when preparing and running your arrangement;
• Valid8 IP Ltd and the credit reference agencies (Equifax, Experian and TransUnion) – see below;
• the Insolvency Service, our regulators (including the Insolvency Practitioners Association) and law enforcement agencies where we are required to;
• business partners, only with your prior explicit consent;
• service providers who help us run our business, such as IT, case management and telephone providers, under contracts that require them to keep your data secure. [list or confirm]

Your data is stored and processed in the UK. [confirm – if any provider stores data outside the UK, say where and what safeguards apply]

Preparing an IVA Proposal

When preparing an IVA proposal, we use credit reference agencies to obtain creditor and balance information for the debts included. We use a service provided by Valid8 IP Ltd to integrate this information into our IT systems.

We will disclose personal data to our partner Valid8 IP Ltd for the provision of a soft credit search which may include Equifax Ltd, Experian Ltd and TransUnion, with no impact on your credit score. View Valid8 IP’s privacy policy.

Entering Into An IVA

Review, correction, and deletion of your data

If you are concerned that the data we hold about you is incorrect, or if you would like your data removed from our records to please contact us and we will be happy to review, update or remove information as appropriate.

Requests will only be accepted in writing. Please write to us explaining what personal data you require.

There may be occasions where we are unable to delete your data due to our legal or regulatory obligations. We will discuss this with you if you request for your information to be deleted.

We will keep your information unless you ask us to remove it.

We take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.

Your Rights

You have the following rights over your personal data:

You can make a request in writing, by phone or using our contact form. There is normally no charge. We will respond within one month, which may be extended by up to two further months for complex requests – we will tell you if this happens.

We take all reasonable steps to confirm your identity before providing you with details of any personal information we may hold about you.

There may be occasions where we are unable to delete your data due to our legal or regulatory obligations – for example, IVA records we must keep. We will explain this to you if it applies.

Complaints About How We Use Your Data

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect.

We may record incoming and outgoing telephone calls for training and monitoring purposes. At the start of a conversation, you will be asked to provide certain information in order for us to confirm your identity before any information is disclosed.

Cookies

Our website uses cookies. You can find out which cookies we use and how to manage them in our cookie policy.

Links to Other Websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement.

You should exercise caution and look at the privacy statement applicable to the website in question.

How to Contact Us About Your Data