Introduction

Welcome to Refresh Debt Services Ltd. We are committed to protecting and respecting your privacy. This policy explains how we collect, use, and protect your personal data when you interact with us, including when you visit our website, use our services, or contact us through various channels.

1. Information We Collect

We may collect and process the following data about you:

  • Personal Details: Name, date of birth, and other identification details.
  • Contact Details: Phone number, email address, and postal address.
  • Financial Information: Income, expenditure, debts, and other financial details.
  • Special Personal Information: Health information, with your explicit consent.
  • Usage Information: Information about your use of our website and services.

2. How We Collect Information

We collect information:

  • Directly from You: When you apply for our services, contact us, or interact with us through our website or social media.
  • From Third Parties: Such as creditors, introducers, and social media platforms.
  • Automatically: Through cookies and other tracking technologies on our website.

3. How We Use Your Information

We use your information to:

  • Provide Services: Manage and deliver our debt management and related services.
  • Improve Services: Enhance our offerings and customer experience.
  • Communicate: Send updates, respond to inquiries, and provide necessary information.
  • Marketing: Offer additional products and services, with your consent.
  • Legal Compliance: Fulfill our legal and regulatory obligations.

4. Sharing Your Information

We may share your information with:

  • Service Partners: IT service providers, communication services, and others who help us provide our services.
  • Regulatory Bodies: Such as the Financial Conduct Authority and the Information Commissioner’s Office.
  • Third-Party Providers: For marketing and fraud prevention, with appropriate safeguards.

5. International Data Transfers

We may transfer your data outside the UK and EEA. When we do, we ensure it is protected to the same standards as within the UK and EEA, using safeguards like standard contractual clauses.

6. Data Security

We take appropriate measures to protect your personal data, including:

  • Company security policies and standards
  • Encryption and anonymization technologies
  • Regular security monitoring and testing

7. Data Retention

We retain your data only as long as necessary for the purposes for which it was collected, or as required by law. Typically, this is at least 6 years after we cease providing you with services.

8. Your Rights

You have the right to:

  • Access: Request a copy of your personal data.
  • Correction: Request correction of inaccurate data.
  • Deletion: Request deletion of your data, subject to legal obligations.
  • Restriction: Request restriction of processing under certain conditions.
  • Portability: Request transfer of your data to another provider.

9. Cookies

Our website uses cookies to enhance your experience. For more information, please refer to our Cookie Policy.

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.