Become Debt Free is General Data Protection Regulation (GDPR) compliant.<\/p>\n
As one of the leading Personal Insolvency companies in the UK, Re10 employs some of the most skilled and experienced people in the market. We pride ourselves on how we treat our customers. Protecting your privacy is a legal requirement, and your trust is very important to us. This privacy statement explains how Re10 collects personal data from you, and how we will use and store this information.<\/p>\n
This privacy policy will apply to you if you provide your personal information to us, even if you decide not to go ahead with any product or service we offer. It is also used by other companies to whom we may refer you to who provide insolvency solutions\/services. Within this privacy policy we have set out how these companies will use your personal data to provide their product or service to you.<\/p>\n
We can only use your personal information where it falls into one or more of the following categories:<\/p>\n
Where you make an application or enquiry for one of our products or services we\u2019ll use your information to provide you with appropriate information about any solutions we may be able to offer to you. If you cannot provide this information we may not be able to progress with your application or enquiry.<\/p>\n
We may also use this information to contact you about and process your application, for example, sending you an email, text message or letter to welcome you to our services.<\/p>\n
We will process the personal data we collect about you for the purposes set out below at purposes for processing your personal data.<\/p>\n
After you have made you initial application\/enquiry, if you also decide to go ahead with any of the products or services that we offer, we explain below how we will also process your data when we provide that particular product(s) or service(s).<\/p>\n
Where we are providing you with a debt solution, such as an Individual Voluntary Arrangement (IVA) or with claims management services or any other financial services solution, we will process your personal information to administer the services we provide. This may include contacting you where we may need further information, or sending you updates on the progress of the services we provide to you.<\/p>\n
Where we provide ongoing services, we will normally require you to agree to the terms and conditions of the debt solution or service. These will set out how we will provide the services to you and where we will be required, under the terms and conditions, to process your personal information. For example, we would need to share your information with your creditors to enable us to set up and administer an Individual Voluntary Arrangement.<\/p>\n
If you enter into an Individual Voluntary Arrangement (IVA), it will be provided by Re10 (Finance) Limited. The information below specifically explains how and why your personal data will be used so that the services can be provided to you.<\/p>\n
To be able to provide our services we will need to collect certain categories of personal data. This will include:<\/p>\n
Your Creditors and their Representatives<\/strong>: Your personal data will be shared with your creditors, their agents, debt collectors, bailiffs and solicitors dealing with the debts. This is key to allow us to provide the service we have agreed to provide you and also ensures that we comply with our regulatory obligations.<\/p>\n The Insolvency Service<\/strong>: If your IVA is accepted then details of about you and your IVA will be recorded on the Insolvency Register which is accessible by the public. The information we share includes your name, gender, date of birth and address. We have a legal obligation to supply this information.<\/p>\n Our Regulators<\/strong>: From time to time we may have to share your information with regulatory bodies. These include the Insolvency Practitioners Association, the Information Commissioners Office or any other regulatory body or authority who may request certain information as part of their supervisory role. We are under legal and regulatory obligations to provide this.<\/p>\n Solicitors:<\/strong> We may from time to time need to instruct solicitors to assist with the administration of your IVA or to assist us with legal, regulatory and contractual obligations.<\/p>\n IT Providers:<\/strong> We use third party software companies to help manage your data. These include:<\/p>\n These companies help us to provide our services to you. We have contracts in place with all providers to ensure that they comply with their data protection obligations and ensure that they have appropriate security measures in place.<\/p>\n Agents:<\/strong> Where we have a duty to investigate any potential compensation claims that you may be entitled to, for example payment protection insurance mis-selling claims, we will share some of your information with claims management companies.<\/p>\n Other Third Parties<\/strong>: We may also share your personal information where we have your consent to do so, or where we are required to do so under a legal or regulatory obligation, for example where we are required to do so by a court order, the police, local authorities or the courts. We might share some of your information with the emergency services if you are in any immediate danger.<\/p>\n 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.<\/p>\n 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. We will delete your data after the 6 year period. After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.<\/p>\n We will only collect information that we actually need, or where we are required to collect the information to enable us to perform our legal, regulatory or contractual obligations necessary to provide you with the products or services, or where we have your permission.<\/p>\n This will likely include the collection of:<\/p>\n Data protection law defines some personal information as \u201cspecial categories of data\u201d. This includes information about physical or mental health, sexual life, religious beliefs, race or ethnic origin, political opinions, trade union membership or biometric data. This information may be necessary to collect when understanding the reason for your financial circumstances, or where it may help us to provide a better service to you. For example, a period of ill health could have caused you to fall behind with your regular payments to your creditors.<\/p>\n 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.<\/p>\n Any personal information about you relating to criminal convictions or offences may only be used by us when authorised by law.<\/p>\n If you provide personal information about someone else, for example when a joint application is made, you must do so with the permission of the other person. If you enter into a service jointly with another person (for example, linked Individual Voluntary Arrangements), your personal information and any information about the service provided to you will be shared with the other person.<\/p>\n We will use the personal information about the other person in the ways as described in this privacy policy.<\/p>\n We collect your information in a number of ways:<\/p>\n To help us understand you better and provide you with information about other products 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. We believe we have a legitimate interest to do this and that it is not against your rights.<\/p>\n However, if you don\u2019t want us to profile your personal information in 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.<\/p>\n Where we have a copy of your personal information we may contact you to ask you to provide a review about the services you\u2019ve received or where we are carrying out market research which may help us design future products and services or to help improve our current services. Although this information would really help us, you wouldn\u2019t be required to provide us with this information unless you were happy to. We consider that this is in our legitimate interests to contact you in this way for market research purposes.<\/p>\n We are 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 or our regulatory obligations.<\/p>\n 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.<\/p>\n 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 with third parties who provide us with services and where we have a contractual obligation to do so.<\/p>\n We may also share your personal information with the following organisations:<\/p>\n 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 direct services to ensure that they comply with their data protection obligations and ensure that they have appropriate security measures in place.<\/p>\n We may also share your personal information where we have your consent to do so or where we\u2019re required to do so under a legal or regulatory obligation or court order, such as the police, local authorities or the courts.<\/p>\n 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. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information is used by us and these fraud prevention agencies, and your data protection rights, can be found by contacting us or email us at customerservices@re10.org.uk.<\/p>\n 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:<\/p>\n We will only share your personal information outside the European Economic Area (EEA), where we have your consent; to comply with a legal obligation; or where we work with a business partner to enable us to provide you with our services, and they process information outside of the EEA.<\/p>\n If we do 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 (this may include defined model clauses), or only share the data to a business partner in a non-EEA country where the privacy laws provide the same protection as within the EEA or where they are part of a Privacy Shield.<\/p>\n 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:<\/p>\n To help us keep you up to date about the products and services that we provide to you, and to ensure that you\u2019re 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.<\/p>\n If you start an application for a product or service through us we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.<\/p>\n If you do not want to be contacted in a particular way then you can request this at any time, 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.<\/p>\n 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.<\/p>\n You have the right to request from us a copy of the personal information that we may hold about you. This is often called a \u201cData Subject Access Request\u201d. You can request this information by contacting us as set out below. We won\u2019t charge you to provide you with this information.<\/p>\n 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\u2019re only providing it were you have given your agreement.<\/p>\n If the personal information we hold about you is incorrect you have the right to request that we correct this.<\/p>\n You may request that your personal information is deleted or that we stop processing the information if we\u2019re no longer entitled to process it. 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.<\/p>\n In some cases you may be able to request for your information to be provided to you or to another company in a format that can be processed electronically by you or the other company. If you want to request this you\u2019ll need to contact us.<\/p>\n 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\u2019re required to keep your personal information to meet our legal and regulatory obligations. The product specific information above sets out how long your personal information will normally be kept for. Telephone calls will be retained for at least 6 years from the date the call was made.<\/p>\n If you do not go ahead with any product or service offered by us, your personal information will normally be deleted after 2 years unless we have another reason to keep your data, for example, if you have given your consent to receive marketing or promotional messages from us.<\/p>\n If you have provided us with your consent or where we are legally entitled to do so, we may contact you to let you know about other offers, products and services that we provide which we think you may be interested or that may benefit you. We may do this through post, emails, text messages, telephone, push notifications, social media or other electronic means.<\/p>\n 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, emailing us at customerservices@re10.org.uk or unsubscribing using the link or information within the message.<\/p>\n 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. More information about cookies can be found below.<\/p>\n 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 Preference Manager.<\/p>\n We may record some of the 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.<\/p>\n We may keep a copy of the telephone calls for up to 6 years from the date the telephone call was made.<\/p>\n 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:<\/p>\n Data Protection Officer Email: customerservices@re10.org.uk<\/p>\n If you are not happy with how we process your personal information you should contact us in the first instance. If you\u2019re not happy with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissioner\u2019s Office. You can find their details on their website at https:\/\/ico.org.uk\/<\/p>\n 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.<\/p>\n 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.<\/p>\n When using this website, some information may be collected automatically using \u2018cookies\u2019. These are small text files that facilitate the processing of your data and enable us to analyse how the website is being used. Cookies can be temporary or permanent.<\/p>\n Temporary cookies form part of the security process while you are using the website; permanent cookies identify the link you used to find our website, check your browser so that we can make sure that our website and services work well with your computer and to help us monitor traffic on our website.<\/p>\n They help visitors. Cookies allow sites to do things like provide personalised content and remember their log-in details and settings. You can turn them off \u2013 this won\u2019t stop a website from working, but it might mean it won\u2019t work as well as it could, or that you have to do the same thing more than once.<\/p>\n They help website owners. Cookies tell website owners things like: what search engine a visitor used to find the website, how often they\u2019ve visited it, how long they\u2019ve spent on it, and so on.<\/p>\n We\u2019ve set out below the cookies that we may use and those that are set by third parties on our website.<\/p>\n Except for essential cookies, all cookies will expire after 10 years.<\/p>\n You have the ability to accept or decline cookies by modifying the settings on your browser and by clicking on the disable button below. Please remember though that disabling certain cookies may affect the functionality of our website.<\/p>\n None of the features of our website will be affected \u2013 giving you the full experience.<\/p>\n If you are using Microsoft Windows Explorer:<\/p>\n If you are not using Microsoft Windows Explorer, then you should select \u2018cookies\u2019 in the \u2018Help\u2019 function for information on where to find your cookie folder.<\/p>\n At Become Debt Free, we make use of cookies so that we can ensure our website works in the most effective and efficient manner. They help us to understand how users access our website so we can develop and improve the design, layout, content and function of the site.<\/p>\n A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don\u2019t have to keep re-entering them whenever you come back to the site or browse from one page to another.<\/p>\n Our cookies on this website are used to simply collect information about how visitors use our website and these types of cookies collect the information in an anonymous form.<\/p>\n If you are uncomfortable with the use of cookies, you can disable cookies on your computer by changing the settings in the preferences or options menu in your browser. You can set your browser to reject or block cookies or to tell you when a website tries to put a cookie on your computer. You can also delete any cookies that are already stored on your computer\u2019s hard drive. However, please be aware that if you do delete and block all cookies from our website, parts of the site will not then work. This is because some of the cookies we use are essential for parts of our website to operate. Likewise, you may not be able to use some products and services on other websites without cookies.<\/p>\n To find out more about cookies, including to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.<\/p>\n If you do not wish to accept cookies from our website, please leave this site immediately and then delete and block all cookies from this site.<\/p>\n We analyse it to determine what is most useful about our website, to help us identify ways to improve it. We use it to find out things such as the number of visitors to the site, the pages they visited, where they came to the site from, the numbers of downloads of documents from the site, etc. This information is then used to compile general traffic analysis and statistical reports.<\/p>\n We may also use personal data for other purposes, which we would describe to you at the point we collect the information.<\/p>\n","protected":false},"excerpt":{"rendered":" Become Debt Free is General Data Protection Regulation (GDPR) compliant. As one of the leading Personal Insolvency companies in the UK, Re10 employs some of the most skilled and experienced people in the market. We pride ourselves on how we treat our customers. 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External printing company, who print correspondence that we send to you.<\/li>\n<\/ul>\nHOW LONG DO WE KEEP YOUR DATA?<\/h2>\n
WHAT PERSONAL INFORMATION DO WE COLLECT?<\/h2>\n
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Special personal information<\/h3>\n
Information about other people<\/h3>\n
How do we collect your personal information?<\/h3>\n
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OTHER PURPOSES FOR PROCESSING YOUR PERSONAL DATA<\/h2>\n
Websites and marketing<\/h3>\n
Reviews and Market Research<\/h3>\n
Legal or Regulatory Obligation<\/h3>\n
Responding to complaints or enquiries<\/h3>\n
Internal Analysis<\/h3>\n
WHO DO WE SHARE YOUR INFORMATION WITH?<\/h2>\n
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FRAUD PREVENTION AGENCIES<\/h2>\n
SOCIAL MEDIA<\/h2>\n
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SHARING YOUR INFORMATION OUTSIDE OF THE EEA<\/h2>\n
SECURITY<\/h2>\n
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How we may contact you about the products and services we provide to you<\/h2>\n
YOUR RIGHTS<\/h2>\n
Access to your personal information<\/h3>\n
Right to have your personal information corrected<\/h3>\n
Right to stop or limit the processing of the data we carry out<\/h3>\n
Portability<\/h3>\n
HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION FOR?<\/h2>\n
HOW WE MAY CONTACT YOU ABOUT OTHER PRODUCTS OR SERVICE THAT WE MAY OFFER<\/h2>\n
OTHER TYPES OF ADVERTISING<\/h2>\n
RECORDING CALLS<\/h2>\n
CONTACT US<\/h2>\n
Re10 (Finance) Limited
York House, Unit 4
Gemini Business Park
Leeds
LS7 3JB<\/p>\nUPDATES TO THIS PRIVACY POLICY<\/h2>\n
COOKIES<\/h1>\n
Why are cookies used?<\/h2>\n
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Disabling\/Enabling Cookies<\/h2>\n
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COOKIE POLICY<\/h1>\n
What Are Cookies?<\/h3>\n
How Do We Use This Information?<\/h3>\n