Introduction

Welcome to Refresh Debt Services. Your privacy is critically important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you interact with us, including when you visit our website, submit a web form, or engage with our services.

By using our services, you agree to the terms outlined in this policy. If you have any questions, please contact us at info@refreshdebt.co.uk

1. Information We Collect

We collect and process the following personal data:

a. Information You Provide to Us

  • Contact details: Name, email address, phone number, and WhatsApp number.
  • Financial details: Information relevant to your debt situation, including creditors and income details.
  • Other information: Data submitted via web forms or during communication with our team.

b. Automatically Collected Information

  • Device and usage information: IP address, browser type, and browsing behavior on our website.
  • Cookies: Small files that help us enhance your user experience. For more details, see our Cookie Policy.

2. How We Use Your Information

We use your data to:

  • Respond to inquiries and provide our debt advice services.
  • Communicate via phone, email, SMS, and WhatsApp to update you on your account or services.
  • Improve our website, services, and client experience.
  • Comply with legal and regulatory obligations.

3. WhatsApp Communications

We may contact you via WhatsApp to provide service updates, appointment reminders, and other relevant communications. By submitting your information through our web forms and consenting during the opt-in process, you agree to receive WhatsApp messages.

If you prefer not to be contacted via WhatsApp, you can withdraw your consent at any time by contacting us at [insert contact email].

4. How We Share Your Information

We do not sell your personal data to third parties. However, we may share your data with:

  • Third-party service providers: Such as Landbot, which facilitates WhatsApp messaging, to deliver our services effectively.
  • Legal authorities: If required to comply with laws or regulations.
  • Our partners: For processing or service delivery under strict data protection agreements.

All third parties are contractually obligated to handle your data securely and in accordance with applicable laws.

5. How Long We Retain Your Data

We retain your personal data only as long as necessary for the purposes outlined in this policy or as required by law. After this period, your data will be securely deleted.

6. Your Rights

Under applicable data protection laws, you have the following rights:

  • Access: Request a copy of the personal data we hold about you.
  • Correction: Request corrections to inaccurate or incomplete data.
  • Deletion: Request the deletion of your personal data.
  • Objection: Opt-out of specific types of processing, such as marketing.
  • Portability: Request a transfer of your data to another organization.

To exercise your rights, please contact us at [insert contact email].

7. Data Security

We implement robust security measures to protect your personal data from unauthorized access, alteration, or disclosure. These include encryption, secure storage systems, and regular security audits.

8. Cookies and Tracking Technologies

We use cookies to enhance your experience on our website. You can manage your cookie preferences through your browser settings. For detailed information, see our Cookie Policy.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any significant changes will be communicated to you through our website or other appropriate channels. Please review this policy periodically to stay informed.

10. Contact Information

If you have any questions or concerns about our use of your personal information, please contact our Data Protection Officer at:

Data Protection Officer
Refresh Debt Services Ltd.
Milltown House, Milltown Industrial Estate
Warrenpoint, Co. Down, BT34 3FN
Email: info@refreshdebt.co.uk

Changes to This Policy

We may update this policy from time to time. Any changes will be posted on this page, and where appropriate, notified to you by email.