Help With Debt Ltd (Company Number: 14730067) operates helpwithdebt.co.uk. We are registered with the Information Commissioner’s Office (ICO Number: ZB543094) as a data controller.

This policy explains how we collect, use, and protect your personal information and sets out your rights under UK GDPR and the Data Protection Act 2018.

1. Information We Collect

When you complete our enquiry form, we may collect:

• Your name and contact details (email address, phone number)
• Details of your financial situation, as provided by you
• Technical data such as your IP address and browser type (via cookies)

2. How We Use Your Information

We collect and use your personal data for the following purposes, with the lawful basis for each:

• To conduct a fact-finding enquiry – to understand your circumstances and identify which authorised debt solutions providers may be able to help you. Lawful basis: Legitimate interest and consent (UK GDPR Article 6(1)(a) and (f)).
• To refer your enquiry to an authorised partner – once you submit your details, your information will be passed to one or more FCA-authorised, IPA-regulated, or ICAEW-regulated debt solutions providers. Lawful basis: Legitimate interest (Article 6(1)(f)).
• Lead generation and referral services – helpwithdebt.co.uk is a marketing website. We do not provide debt advice ourselves. We may receive a referral fee from the partner company we introduce you to. Lawful basis: Legitimate interest (Article 6(1)(f)).

3. Sharing Your Data

When you submit an enquiry, your personal information will be:

• Reviewed by our team as part of an initial fact-finding process
• Passed to one or more authorised debt solutions providers, regulated by the FCA, IPA, or ICAEW, who will contact you to discuss your options

We do not sell your personal data to unrelated third parties. We do not share your data with any party that is not connected to the purpose of your enquiry.

4. How Long We Keep Your Data

We retain your personal data for a maximum of 24 months from the date of your enquiry, unless a longer retention period is required by law. You can request deletion at any time (see Your Rights below).

5. Your Rights

Under UK GDPR, you have the right to:

• Access – request a copy of the personal data we hold about you
• Correction – ask us to correct inaccurate or incomplete data
• Erasure – request that we delete your personal data (“right to be forgotten”)
• Withdraw consent – where we rely on consent, you can withdraw it at any time
• Object to processing – where we rely on legitimate interest, you can object
• Restriction – request that we restrict how we use your data
• Portability – receive your data in a structured, commonly used format

To exercise any of these rights, please contact us at: [email protected]

6. Cookies

Our website uses cookies to improve your experience and analyse traffic. By continuing to use our website, you consent to the use of cookies in line with our cookie settings.

7. Third-Party Websites

Our website may contain links to external websites. We are not responsible for the privacy practices of those websites. Please review their own privacy policies before submitting any personal information.

8. How to Complain

If you feel we have not handled your personal data correctly, you have the right to raise a complaint with the Information Commissioner’s Office (ICO):

• Website: www.ico.org.uk
• Phone: 0303 123 1113

9. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

10. Contact Us

Help With Debt Ltd
Company Number: 14730067
ICO Registration: ZB543094
Email: [email protected]