Privacy Policy

Information we may collect from you

When you receive a service from our website we may ask you for personal data and other information to allow us to provide you with the services that you require. This could include the following:

• Full name
• Email address
• Telephone number
• Details of your enquiry
• Name of your organisation
• Curriculum vitae details (for those enquiring about jobs)

The internet is not completely secure. We cannot guarantee the security of your personal data transmitted through our website or by email. Any transmission is at your own risk. Some of the information you provide to us may be considered sensitive personal data as defined by data protection laws. This means information about the data subjects ethnic or racial origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life or criminal record. The Carrington Dean Group also considers information relating to bank accounts, national insurance numbers, and other unique documents such as passport numbers as sensitive. We would advise users of this website to send such information by a more secure system such as encrypted email. Sensitive personal data will only be processed following your explicit consent.

How do we intend to use your data?

To provide a service

We may contact you for reasons relating to the service you have made a request for. We would use your contact details to manage this and may retain them for marketing purposes. Please refer to the marketing section below on how we may use your personal data for marketing purposes. We’ll contact you using various methods, including by telephone, email, SMS, WhatsApp and letter.

When you contact us by telephone

If you are interested in working for us we will only use your personal data to process your application, monitor recruitment and provide statistics. Personal data about unsuccessful candidates will be retained for six months after the recruitment process is completed, at which point it will be disposed of securely.

Marketing and promotions

To help us understand you better and provide you with information about other products and promotions which may be suitable and relevant, we will use your personal information to create a profile of you and your circumstances. This allows us to provide more relevant, accurate and tailored services to you. For example, we may assess your income and expenditure to determine whether you would be eligible for a debt solution through us or enrol you into a promotion the company or group is running whilst you are a client. We believe we have a legitimate interest to do this and that it is not against your rights.
However, if you don’t want us to profile your personal information this way, to then better enable us to tailor any marketing communications to you, you can contact us to let us know that you wish for your personal data not to be used in this way.

Internal Analysis

As part of our legitimate interest to develop our business and our products we will use your personal information to assess our performance as a business and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis or personal data with third parties who provide us with services including conducting research for us and/or where we have a contractual obligation to do so.

Will my personal data be shared with other organisations?

Your personal data provided by you via our website will be used by The Carrington Dean Group Ltd, its subsidiaries and partner companies.

Data will also be shared with your creditors, their agents, debt collectors, sheriff officers and solicitors dealing with debts. There is also a statutory obligation to share information with bond providers that insure any cases. Sharing data with these parties is important to allow us to provide the service we have agreed to provide you and also ensures that we comply with our regulatory obligations.

We may also share your personal information with the following organisations:

• IT Service Providers who provide IT platforms or other IT services
• Payment Service companies that process transactions for us (e.g. Direct Debits and card transactions)
• Communication providers (e.g. telephone line providers, and email and text service providers)
• Printers who print the letters and information packs which we send to you
• Advertisers and social media companies such as Meta, Google and Twitter for our social media accounts or where we can contact you using your social media account

In exceptional circumstances such as dealing with fraud, credit risk, dealing with abusive online behaviour, to enforce rights, to protect property, to protect human safety, if the law requires it; or if we sell or merge any part of our business, we may pass your personal data to another person or organisation to use for their own purposes. We will not otherwise disclose your personal data to anyone outside The Carrington Dean Group Ltd to use for their own purpose without telling you, for example, by updating this privacy statement.

Third parties

To allow us to provide advice on all solutions and to ensure the best outcome for your circumstances, you may be transferred to third parties that can best administer guidance, insolvency products or a non-insolvency product suitable to your needs.

We transfer data to our partners to enable our partners to deliver to you, products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data. We may do this because you gave your consent. Once we have delivered your personal data to our partner, that partner becomes the controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to our client, we are no longer responsible for your personal data. Our Partners have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you.

Our Partners are made up of categories of business types. When we talk about our clients in this privacy policy, we mean our partners are authorised and regulated debt solution providers in the United Kingdom.

For the purpose of Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders and secured lending:

• Financial Wellness Group Limited. Incorporated and registered in England and Wales with company number 05254787 whose registered address is at Think Park Mosley Road, Trafford Park, Manchester, M17 1FQ.
• Back2Credit Limited. Incorporated and registered in England and Wales with company number 10508037 whose registered address is at Tricorn House 9th Floor Botanical Suite, Hagley Road, Birmingham, England, B16 8TU.
• MLS Solvency Limited. Incorporated and registered in Scotland with company number SC502966 whose registered address is at 58 West Regent Street, 3rd Floor, Glasgow, Scotland, G2 2QZ
• Finbora Group Limited. Incorporated and registered in Scotland with company number SC545312 whose registered address is at  4 West Regent Street, 3rd Floor, Glasgow, Scotland, G2 1RW
• YIP Financial Services Ltd. Incorporated and registered in Scotland with company number SC644681 whose registered address is at 4 West Regent Street, Glasgow, Scotland, G2 1RW.
• The Insolvency Guys. Incorporated and registered in England and wales with company number 11814670 whose registered address is at Suite 138, Peel House 30 The Downs, Altrincham, Cheshire, England, WA14 2PX.
• Astute Finance Ltd incorporated and registered in England and Wales with company number 11334616 whose registered address is at 93 Lapwing Lane, Manchester, England, M20 6UR.
• Hanover Insolvency Limited incorporated and registered in England and Wales with company number 07204268 whose registered address is at Sale Point 2nd Floor, 126-150 Washway Road, Sale, Manchester, England, M33 6AG.
• Money Plus Group incorporated and registered in England and Wales with the company number 07310059 whose registered address is at Riverside, New Bailey Street, Manchester, M3 5FS.
• Consumer Links incorporated and registered in England and Wales with company number 09689776 whose registered address is 6th Floor 49 Peter Street, Manchester, England, M2 3NG.
• Debt Support Service incorporated and registered in England and Wales with company number 06812829 whose registered address is at 8 Exchange Quay, Manchester, M5 3EJ.

For the purpose of  consolidation loans, protections  and insurances, car finance, banking, utility switching, mobile phone contracts and credit building:

• Your Loan Expert Ltd incorporated and registered in Scotland with company number SC538950 whose registered office is at 89 West Regent Street, Glasgow, Scotland, G2 2BA
• Freedom Finance Ltd incorporated and registered in England and Wales with company number 06297533 whose registered office is at Atlantic House Atlas Business Park, Simonsway, Manchester, M22 5PR
• Simply Money Ltd incorporated and registered in England and Wales with company number 10145269 and FCA number 796023 whose registered address is at the 5th Floor Beckwith House, 1 Wellington Road North, Stockport, United Kingdom, SK4 1AF.
• Norton Finance incorporated in England and Wales with company number 5995692 whose registered at Norton House, Mansfield Road, Rotherham, South Yorkshire, S60 2DR
• Moriarty incorporated and registered in England and Wales with company number  14399401 whose registered address is at Edward Pavilion, Albert Dock, Liverpool, England, L3 4AF.
• TDOT UK Ltd. Incorporated and registered in England and Wales with company number 9225672 whose registered address is at Suite A, Floor 2, Avalon, 26-32 Oxford Road, Bournemouth, England, BH8 8EZ.
• Hype Advice Group Ltd. Incorporated and registered in England and Wales with company number 11649752 whose registered address is at The Old School House Manchester Road, Carington, Manchester, M31 AUG.
• Zuto Ltd. Incorporated and registered in England and Wales with company number 05722976 whose registered address is at Winterton House, Winterton Way, Macclesfield, Cheshire, SK11 0LP
• HD Law Ltd. Incorporated and registered in England and Wales with company number 09328279 whose registered address is at Albion Mills, Albion Road, Bradford, West Yorkshire, BD10 9TQ
• TMG Direct. Incorporated and registered in England and Wales with company number 10100954 whose registered address is at 27-29 Bridgegate, Rotherham, England, S60 1SN
• Seopa Ltd incorporated and registered in Northern Ireland with the company number NI46322 whose registered address is at 5th Floor Link Building, Adelaide Exchange, 24-26 Adelaide Street, Belfast, BT2 8GD.
• LOQBOX Technology UK Limited incorporated and registered in England and Wales with company number 10583182 whose registered address is at  Henleaze Business Centre, Henleaze, Bristol BS9 4PN.
• Financial Wellness Group Limited incorporated and registered in England and Wales with company number 05254787 whose registered address is at Think Park Mosley Road, Trafford Park, Manchester, M17 1FQ.
• Think Money Limited  incorporated and registered in England and Wales with company number – 05530040 whose registered address is Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ
• TalkMobile Limited  incorporated and registered in England and Wales with company number – 04154716 whose registered address is Vodafone House, The Connection, Newbury, Berkshire, RG14 2FN
• Starling Bank Limited  incorporated and registered in England and Wales with company number – 09092149 whose registered address is 3rd Floor, 2 Finsbury Avenue, London, EC2M 2PP
• Clear Score Technology Limited incorporated and registered in England and Wales with company number– 09221862 whose registered address is Vox Studios, Vg 203 1-45 Durham Street, London, SE11 5JH
• Experian Limited incorporated and registered in England and Wales with company number – 00653331 whose registered address is The Sir John Peace Building Experian Way, Ng2 Business Park, Nottingham, NG80 1ZZ
• The Protection Network Limited incorporated and registered in England and Wales with company number – 11001265 whose registered address is 7 Bell Yard, London, WC2A 2JR (Smart Cover Online is a trading style under this Ltd company).
• Clear Legal Marketing Limited. Incorporated and registered in England and Wales with company number 07933243 whose office is at Units 115-119 Timber Wharf 42-50 Worsley Street, Castlefield, Manchester, United Kingdom, M15 4LD
• Monetise Media Limited incorporated and registered in England and Wales with company number 07875484 whose registered office is at Unit J Williams Yard, Derby Road, Melbourne, Derby, DE73 8JR.

How long will Carrington Dean retain my data?

If you do not go ahead with any product or service with us, your personal information will normally be deleted after 12 months unless we have another reason to keep your personal information, for example, if you have given your consent to receive marketing information from us. We will delete your information sooner if you ask us to.

If you sign your proposal and a meeting of creditors is convened, which is later withdrawn, or for whatever reason does not go ahead, your data will be stored for 6 years from the date that we cease to provide you with our services.

If you become our customer by entering a debt solution, we will keep your data to ensure that we provide you with our services and comply with our legal and regulatory obligations. Your data will be stored for 6 years from the date that we cease to provide you with our services. We cannot delete this data if you ask us to because we are required to keep it by law. After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.

Where will my personal data be kept?

Once we have received your personal data we will use recognised industry standard procedures and security features to try to prevent unauthorised access.

Your personal data will be under the control of The Carrington Dean Group Ltd. It will be held on our computer system. Parts of our computer system, including our website and email are provided by our UK suppliers of computer systems, and are provided for The Carrington Dean Group Ltd sole use. When we print your personal data this will be in the possession and control of our employees at all times and will be securely disposed of when it is considered to be of no further use. There may be occasions when we need to transfer a part of your data to our partners outside of the EEA. Their systems fully comply with UK data protection and security standards.

Marketing

We would like to contact our clients for marketing purposes and to promote new services to you. This may be by post, telephone, fax, email, text message, or WhatsApp. If you do not wish to receive direct marketing from us please contact us with your request by emailing [email protected]. Under no circumstances will your personal information be sold or used by any other organisation.

As you browse www.carringtondean.com, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partner, AdRoll, then enables us to present you with retargeting advertising on other sites based on your previous interaction with [company website]. The techniques our partners employ do not collect personal information such as your name, email address, postal address, or telephone number. You can visit this page to opt out of AdRoll’s and their partners’ targeted advertising.

Cookies

Cookies are text files placed by websites onto your computer. They collect standard internet log and visitor behaviour information.

We may obtain information about your general internet usage by using a cookie file which is stored on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve the Website and to deliver a better and more personalised service. Some of the cookies we use are essential for the site to operate.

If you register with us or if you continue to use the Website, you agree to our use of cookies. Cookies are widely used in order to make the Website work, or work more efficiently, as well as to provide information to the owners of the site.

You block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our site. Please see our Cookie Policy for further details on our use of cookies.

For further information please visit the websites www.aboutcookies.org orwww.allaboutcookies.org.

Your rights

Your right of Access – You have the right to request from us a copy of the personal information that we may hold about you. This is called a “Data Subject Access Request”. The service is free of charge, and we have one month from date of receipt to provide this to you. If you have made several requests or your request is complex, then we may need extra time to consider this and are allowed an additional two months to respond. If this this the case, we will let you know and the reason why. Before providing this information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that we are only providing it were you have given your agreement.

Your right of rectification – If the personal information we hold about you is incomplete or incorrect you have the right to request that we correct this.

Your right of erasure – You have the right to ask us to erase your personal information in certain circumstances. There may be occasions where we are unable to delete the data due to our legal or regulatory obligations. We will however discuss this with you if you request for your information to be deleted.

Your right to restriction of processing – You may request that we stop processing the information if we’re no longer entitled to process it. There may be occasions where we are unable to do this due to our legal or regulatory obligations.

Your right to Data Portability – This only applies to information you have given to us. You have the right to ask that we transfer the information you gave us from one organisation to another or give it to you. The right only applies if we are processing information based on your consent or under, or in talks about entering a contract and the processing is automated.

Your right to be informed – You have the right to be informed about the collection and use of your personal data. We will provide you with information including the purpose for processing your personal data, our retention period, and who we share your information with.

Your right to object – You have the right to object to processing your personal data at any time, however we may still be able to do this if we have legitimate reasons to continue to use this data.

Your rights in relation to automated decision making and profiling – You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning the data subject.

Third party live chat

Use of Twilio / Flex Webchat

We use third-party analytics services to help understand your usage of our services. In particular, we provide a limited amount of your information (such as sign-up date and some personal information like your email address) to Twilio Inc. (“Twilio”) and utilise Twilio to collect data for analytics purposes when you visit our website or use our product.

As a data processor acting on our behalf, Twilio analyses your use of our website and/or product and tracks our relationship by way of cookies and similar technologies so that we can improve our service to you. For more information on Twilio use of cookies, please visit: https://www.twilio.com/en-us/legal/privacy

We may also use Twilio’s Flex Webchat as a medium for communications, either through email, or through messages within our product(s). The Twilio Messenger Apps and Apps in Inbox products may also provide you with access to other third party applications such as Stripe. You should consult these third parties’ privacy notices for further information on their use of your personal data.

As part of our service agreements, Twilio collects publicly available contact and social information related to you, such as your email address, gender, company, job title, photos, website URLs, social network handles and physical addresses, to enhance your user experience. For more information on the privacy practices and terms of use at Twilio, please visit https://www.twilio.com/en-us/legal/privacy

If you would like to opt out of having this information collected by or submitted to Twilio, please contact us.

Contact

Please contact Carrington Dean if you have any questions, concerns or suggestions about this Privacy Policy or the Accessibility of this website:

Compliance Team

The Carrington Dean Group Limited

Regent House,

5th Floor,

76 Renfield Street,

Glasgow,

G2 1NQ

Email: [email protected]

If you are not happy with how we process your personal information you should contact us in the first instance. If you remain dissatisfied, you have the right to lodge a complaint with the Information Commissioner’s Office. You can find their details on their website at https://ico.org.uk/

If you click on a link that takes you to a third party website that is not ours we will not be responsible for how they use your personal data. You should read its own privacy policy to understand how they may use your personal data.

Updates

Any updates to this privacy policy will be found on this page. If we make any important or significant changes to the way we may collect and use your personal information we will endeavour to notify you of this change.

Updated: 08/07/21