Privacy Policy

Last Updated 23 July 2024

General Principles

Scottish Debt Help® and Debt Solution Advisor are trading styles of J3 Debt Solutions Ltd (J3). J3 are committed to protecting and respecting your privacy. Any reference to “we”, “are” or “us” in this privacy policy shall mean J3 Debt Solutions Ltd.

This privacy policy sets out the basis on which and personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we treat it. By visiting www.j3debt.co.uk, www.debtsolutionadvisor.co.uk or www.scottish-debthelp.co.uk you are accepting and consenting to the practices described in this policy. For the purposes if the Data Protection Act 2018 (the Act), the data controller is J3.

Our Registered office is:

144 No. 1 West Regent Street,

Glasgow,

Scotland,

G2 1RW

Company Number: SC612868

We are registered under the Data Protection Act with the Information Commissioners Office (ICO), register number: ZA474414.

Information we collect

We will collect and process the following data about you:

Information you give us.

This is information about you that you give us by filling in forms on our or by corresponding with us by phone, e-mail or otherwise. It includes information you provide when you register to use our site, subscribe to our service or search for a product. The information you give to us may include your name, address, e-mail address and phone number, financial and credit card information, personal description and photograph.

Information we collect about you.

With regard to each of your visits to our site we will automatically collect the following information:

Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet.
Browser type and version, time zone setting, browser plug-in types and versions, operating system and platform.
Information about your visit, including the full Uniform Resource Locators (URL), clickstream to, through and from our site including date and time, products you viewed or searched for’ and page response times. Download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, and any phone number used to call our customer service number.

Information we receive from other sources.

This is information we receive about you if you use any of the other websites we operate or the other services we provide. In this case we will have informed you when we collected that data if we intend to share those data internally and combine it with data collected on this site.

We will also have told you for what purpose we will share and combine your data. We are working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies). We will notify you when we receive information about you from them and the purposes for which we intend to use that information.

Uses made of the information

Information you give to us. We will use this information:
- To carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
- To provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
- To provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you (for marketing purposes). If you are an existing customer, we will only contact you by electronic means (e-mail, Whatsapp or SMS) with information about goods and services similar to those which were the subject of a previous engagement or negotiations of an engagement with you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data;
- To notify you about changes to our service;
- To ensure that content from our site is presented in the most effective manner for you and for your computer.
Information we collect about you. We will use this information:
- To administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
- To improve our site to ensure that content is presented in the most effective manner for you and for your computer;
- To allow you to participate in interactive features of our service, when you choose to do so;
- As part of our efforts to keep our site safe and secure;
- To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
- To make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.
Information we receive from other sources.
- We will combine this information with information you give to us and information we collect about you. We will use this information and the combined information for the purposes set out above (depending on the types of information we receive).

Transferring and sharing your information

We will keep your personal information confidential and only share it with others for the purposes explained in this policy where we have gained consent to do so.

If we provide you with a recommendation for your case to be passed on to a 3rd party we will always gain your permission before doing this.

We may share your information with companies we work with in order to offer services which may benefit you.

We may share information about you:

With any firm, organisation or person who provides us with products or services or who we provide products and services to;
With any payment system we may use;
With regulatory and governmental authorities’ ombudsmen, or other authorities, including tax authorities, including those overseas, where we are requested by them to do so.

The types of companies that we may share your data with are;

Regulators
Debt Management Companies
Software providers
Other Insolvency Practitioners

The companies with whom we may share your details with are as follows:

MoneyPlus Group – We work with them and share your data for direct marketing purposes. They provide regulated debt advice.
Total Processing Ltd (for the purpose of processing payments)
Aryza (software provider)
Finnius Intelligence Limited (software provider)
ICA Connect
Clickd Solutions Ltd (training and call monitoring)
Affinity (customer service provider)
We Make Data (data analyst)
Insolvency Cashiers Ltd (cashiering services)
The Insolvency Service/Accountant in Bankruptcy
Gillson Gray LLP
Keller Williams UK (property valuers)
Select Surveyors (property valuers)
Shepherd Chartered Surveyors (property valuers)
GW Debt Solutions Limited (Debt Management provider)

Disclosure of your information

You agree that we have the right to share your personal information with:

Any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
Selected third parties including:
- Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you;
- Analytics and search engine providers that assist us in the improvement and optimisation of our site;
- Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.

We will disclose your personal information to third parties:

In the event that we sell or buy any business or assets, in which case we will disclose your personal data to the prospective seller or buyer of such business or assets.
If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and conditions of supply and other agreements; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Why we process your data (lawful bases)

When you engage J3 Debt Solutions Ltd, our lawful basis for processing your personal information is ‘contractual’. In some cases, we may also process information where we have a legitimate interest to do so, as explained in this Notice. If you share any special category data with us (such as information about your health or medical needs), we will only process this with your explicit consent.

We have different reasons for processing your personal data, depending upon the nature of our relationship with you (e.g. business contacts, advice clients, those involved in insolvency matters) and the law requires us to state what we consider to be our reasons (known as “lawful bases”).

In all cases, you are legally entitled to request details of the personal information we hold about you and you are able to keep your personal information accurate and up-to-date by contacting us on the email noted above.

Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at info@J3Debt.co.uk.

Your rights will vary depending upon the nature of the relationship we have with you. We are happy to explain these to you by telephone, although any request to exercise your rights needs to be made in writing (“writing” for these purposes includes sending us an email with your request).

The right to be informed about our collection and use of your personal data.
The right to access the personal data we hold about you. this is called a Subject Access Request (SAR). We will supply you with the information within one month from the requested date. In the first instant a request for information is free of charge. We may charge an administrative fee when a request is manifestly unfounded or repetitive in nature.
The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete.
The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we hold. If you have entered into a formal debt solution then we may have a legal obligation to retain your data even if you request to invoke the right to be forgotten.
The right to restrict (i.e. prevent) the processing of your personal data. If you have entered into a formal debt solution then we may have a legal obligation to continue to process your data.
The right to object to us using your personal data for a particular purpose or purposes.
The right to withdraw consent. This means that, if we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.
The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
Rights relating to automated decision-making and profiling.

If you wish to exercise any of these rights, please contact us at info@J3Debt.co.uk with details of your request.

Links to other websites

Our website may contain links to other sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices used by other sites. Please review the privacy policy of each web site you visit before submitting any personal information to it.

Children

This website is not intended for use by children. We understand the importance of protecting children’s information, especially in an online environment, and we do not knowingly collect or maintain information about children.

Data Retention

How long we keep your data for will depend on the service we provide for you:

Where you have contacted us but have not entered a debt solution with our help 2 years.
Where you have contacted us, and we have administered a debt solution for you, 6 years from the end of the solution.

Transfer of Information Outside of the UK

We may use third party firms to help us provide our services, such as initial vetting of enquiries, quality monitoring, scanning and customer service, some of whom may be located outside of the European Economic Area (EEA). Where we share your information 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 to ensure appropriate safeguards are in place. This may include putting in place a contract with the business partner that means they must protect the personal data to the same standards as the EEA.

Where we store your personal data

All information you provide to us is stored on our secure servers. We will store the information we collect about you online in accordance with our data retention policy.for as long as we have an active business relationship. Data will be deleted in line with our data retention policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

Facebook Remarketing (Facebook, Inc.)

Facebook Remarketing is a Remarketing and Behavioural Targeting service provided by Facebook, Inc. that connects the activity of this Application with the Facebook advertising network.

Personal Data collected: Cookies and Usage Data.

Place of processing: US

In order to opt-out, please:

Clear your browser cookies
Refresh your browser
Click “Adjust your settings” in our cookie popup
Disable 3rd party cookies here

Adwords Remarketing (Google, Inc.)

AdWords Remarketing is a remarketing and behavioral targeting service provided by Google Inc. that connects the activity of this Application with the AdWords advertising network and the DoubleClick Cookie.

Personal Data collected: Cookies and Usage Data.

Place of processing: US

In order to opt-out, please:

Clear your browser cookies
Refresh your browser
Click “Adjust your settings” in our cookie popup
Disable 3rd party cookies here

Bing Remarketing (Microsoft, Inc.)

Bing Remarketing is a remarketing and behavioral targeting service provided by Microsoft Inc. that connects the activity of this Application with the Bing advertising network.

Personal Data collected: Cookies and Usage Data.

Place of processing: US

In order to opt-out, please:

Clear your browser cookies
Refresh your browser
Click “Adjust your settings” in our cookie popup
Disable 3rd party cookies here

Changes to our privacy policy

Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Contact & Complaints

If you have questions, comments or complaints about our handling or protection of your personal data, or if you feel that this site is not following its stated information policy, please contact us by post, telephone or email:

144 No. 1 West Regent Street,

Glasgow,

Scotland

G2 1RW

0141 501 0541

info@J3Debt.co.uk

If you have any concerns about how we have handled or protected your information, we would hope that you contact us to discuss this but you can also escalate your concerns to the UK’s data protection regulator, the Information Commissioner’s Office (ICO). Their contact details are:

Information Commissioner’s Office

Wycliffe House,

Water Lane,

Wilmslow,

Cheshire

SK9 5AF

0303 123 1113
01625 524510