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Privacy, Cookies & Complaints Policy

General principles

Debt Solution Advisor the trading brand of J3 Debt Solutions Limited is committed to protecting and respecting your privacy.

This policy sets out the basis on which any personal data (“We”, “Us”, “J3 Debt Solutions”) 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 will treat it. By visiting www.debtsolutionadvisor.co.uk you are accepting and consenting to the practices described in this policy. For the purpose of the Data Protection Act 2018 (the Act), the data controller is J3 Debt Solutions Limited, 67 Glassford St, Glasgow, G1 1UP. Company Number: SC612868.

Information we collect from you

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 site www.debtsolutionadvisor.co.uk 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. Whilst we have an on-going business relationship your records will remain active. Data will be deleted 90 days after the end of client activity.
  • 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.

 

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:

  1. Clear your browser cookies
  2. Refresh your browser
  3. Click “Adjust your settings” in our cookie popup
  4. 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:

  1. Clear your browser cookies
  2. Refresh your browser
  3. Click “Adjust your settings” in our cookie popup
  4. 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:

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

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. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to 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).

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.

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 for as long as we have an active business relationship. Data will be deleted 90 days after the end of client activity.

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.

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@debtsolutionadvisor.co.uk

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

You can request to revoke your information from our records at any time. To do this contact us at info@debtsolutionadvisor.co.uk

Access to information

The Data Protection Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. We will supply you with the information within one month from the requested date. To do this please contact our head office on info@debtsolutionadvisor.co.uk and the SAR procedure will be followed.

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

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info@debtsolutionadvisor.co.uk

 

 Complaints

We value each and every customer. In the unlikely event that you are not happy with the service provided by us, we shall do our best to put things right. Any complaint will be dealt with in an efficient, fair and positive way as described below.

How to make a complaint

Contact us:

  • By phone on 0141 816 0394
  • By email at info@debtsolutionadvisor.co.uk
  • By post: J3 Debt Solutions Limited, 67 Glassford St, Glasgow, G1 1UP. Company Number: SC612868

Please tell us:

  • Your name and address
  • Your Debt Solution Advisor client reference number
  • Your daytime phone number
  • A clear description of your complaint or concerns
  • Details of how you would like us to rectify the situation

What we will do

We will try to resolve your complaint within three business days of receipt. If this is achieved we will write to you, by email or letter as appropriate, to confirm that your complaint has been resolved and to explain your next steps. If it is not resolved, we will acknowledge your complaint and explain that further contact will be made within eight weeks.

Keep you updated with our progress.

We aim to resolve complaints within 4 weeks. If we are not able to do so, we will always write to you explaining what is happening and when we expect to sort out your complaint.

Once an assessment and full investigation of your concerns have been made, we will send you a final response letter within eight weeks. Or, we will contact you with and extension letter to explain that we need additional time to investigate the matter.

If you are dissatisfied with our response

If you still remain dissatisfied with our final response or eight weeks have passed since you first let us know about your concerns, you can ask the Financial Ombudsman Service to review your complaint.

The Financial Ombudsman Service provides a free independent service for customers to solve disputes with financial companies. They will only deal with your complaint if you have given us the opportunity to resolve the situation first, so please contact us and we will do all we can to help you.

Contacting the Financial Ombudsman Service (FOS).

Information Commissioner’s Office

Our data protection reference number is: ZA474414

ICO contact details:

Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
T. 0303 123 1113 F. 01625 524510
www.ico.org.uk

Debt Solution Advisor® is a trading style of J3 Debt Solutions Ltd. Visit J3 Debt Solutions – www.j3debt.co.uk.

J3 Debt Solutions (FRN933715) is an appointed representative of MoneyPlus Group Limited which is authorised and regulated by the Financial Conduct Authority. MoneyPlus Group Limited (07310059) registered office: Riverside, New Bailey Street, Manchester, M3 5FS

To find other sources of free advice visit MoneyHelper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by the government.

J3 Debt Solutions Limited is registered in Scotland, registered company address: Suite 144, 1 West Regent Street, Glasgow, g2 1rw, SCOTLAND company registration number SC612868, Information Commissioner’s Office registration number ZA474414. J3 Debt Solutions Limited is a firm of Licensed Insolvency Practitioners. Jamie Carmichael is authorised to act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants of Scotland. Our Professional Indemnity Insurer is CNA Insurance Company Limited, 13th Floor, 20 Fenchurch Street, London, EC3M 3BY and our Professional Indemnity Insurance policy number is 10321330. The territorial coverage is worldwide. The solutions on this page are only applicable if you reside in Scotland. We will only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for one of our insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency solution

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