Privacy Policy for Release Money Group Limited
Introduction
The Release Money Group Limited and all companies within the Release Money Group Limited, (including but not limited to, Debt Release Direct Limited, Varden Nuttall Limited and Release Money Limited), are committed to protecting your privacy. We comply with the principles of the Data Protection Act 1998 and aim to maintain consistently high levels of best practice in our processing of personal and/or sensitive personal data.
How we use information you provide us
We use the information we receive from you to provide goods and/or services that you request, to communicate with you, and to personalise our information sent to you. We do not sell, trade, or rent your personal information to others.
We store all the information you provide us with, including information provided during verbal communication, via forms, electronic or otherwise, and information which we may collect from you when browsing our websites. Our servers log each page of our websites accessed, as is common with nearly all web servers. For our joint protection and training purposes, telephone calls may be recorded and/or monitored.
Examples of how we may personalise information might include preparing documents for submission to a product provider, or completing any relevant documents when dealing with your creditors on your behalf.
Third parties may deliver some of our products to you or provide all or part of the service requested by you. In these instances, whilst the information you provide will be disclosed to them, it will only be used for the administration of the service provided (including for example claims processing), underwriting and pricing purposes as appropriate, and to maintain management information for business analysis.
If you apply for financial services and/or products, a check of your details with fraud prevention agencies may be necessary. For example, a credit search when applying for a mortgage or loan. The precise nature of these processes is explained fully when you apply.
We ask for your home and mobile telephone numbers, together with your email address to enable us to contact you in relation to an enquiry you have made, to contact you about relevant products or services, to contact you if we require further information or clarification, or if there is any genuine reason for doing so. If you provide us with credit or debit card details in order to pay for a service or product, we will keep such details secure and ensure that the details are only used with your consent and/or for the purposes of any appropriate refunds.
Occasionally, we may also use the information we collect to notify you by post, telephone, mobile telephone, email and/or SMS about new or existing services, products and special offers we think you'll find valuable.
Generally by providing the requested data you consent to Release Money Group Limited using that data for administrative purposes and for informing you of other products and services by letter, SMS, telephone and/or email. We may also use the information we collect to occasionally notify you about important functionality changes to our website(s). Each time you receive marketing information or a message, you have the option to decline to receive further marketing information from us. This is known as an 'opt-out'. If you wish to exercise the opt-out, for any company within the Release Money Group Limited, please write to the Group Compliance Manager at Release Money Group Limited, First Floor, Crown House, Heap Brow, Bury, Lancashire. BL9 7JR. If you have more than one address or email address please make sure to notify us of any changes to your preferences for each address or email address you have registered with us.
As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information you have given to us.
If we provide information to a third party (either a provider of a product or service, or an external data processing agency such as a mailing house) we will exercise the strictest control over the third party contractually, requiring it and any of its agents and/or suppliers to:
- 1) maintain the security and confidentiality of the information and restrict access to those of its own employees;
- 2) use the data for the agreed purpose only and prevent it being used for any other purpose by any other party;
- 3) refrain from communicating with you other than concerning the product in question;
- 4) return the data to us at the conclusion of any contract term and destroy or delete any copies made of all or any part of the information unless copies are needed to be kept to comply with regulations.
In addition, we will restrict the information disclosed to the absolute minimum necessary, for example, to provide the product or service.
Our own security procedures mean that we may occasionally have to request proof of Identity or check your presence on the electoral roll.
In the event of telephone calls to you or from you, we reserve the right to ask relevant and appropriate security questions, in order to identify that you are who you say you are.
Your consent
Before you provide any data to us, we will endeavour to make it clear why we need it. Sometimes we may need sensitive personal data (examples might be past medical history or financial details). When this is required we will obtain your consent first. Otherwise, by providing us with information, either orally or written, or by using our website, you consent to the collection, use and processing of this information by Release Money Group to provide and send you information about their services.
A customer may properly give his or her spouse or partner's consent over the telephone or via the website provided he confirms that he has permission to do so. If the consent is written, the spouse or partner must independently endorse such consent.
How we use cookies
Cookies are files, which identify your computer to our server. Release Money Group Limited will automatically issue your computer with a cookie whenever you register on our website, (or possibly when you browse), in order to track traffic flows and to additionally make our website easier for you to use.
Cookies themselves only record which areas of the site have been visited by the computer in question, and for how long.
You have the opportunity to set your computers to accept all cookies, to notify you when a cookie is issued, or not to receive cookies at any time.
Selecting not to receive cookies can mean that certain services, such as previous registration identification cannot then be provided.
It is worth noting that some of the third parties present on our Website may also issue cookies.
Disclosure of information to third parties
Release Money Group Limited will never disclose information about you to third parties, except to fulfill your specific orders for a product or information in the event that third parties deliver the relevant service. For example, if you take out an insurance policy provided by a third party, they will need your details in order to administer the policy and process any claims. Other circumstances where we are operationally or contractually obliged to pass on your information may be where third parties administer part or all of the service, underwriting, for pricing purposes, testing, and to maintain management information for business analysis.
We may of course be obliged by law to pass on your information to the Police or other Statutory Authority.
Data Protection Act marketing consent
The Release Money Group Limited has adopted the following procedure in gaining your consent to be placed on their marketing lists.
When you first make an enquiry, or buy a product or service from Release Money Group Limited, you consent to receiving marketing about other products and services from us. Your details are placed on our marketing list for the group.
Amendment and retention of information
Please advise us in writing as to any changes in your circumstances. Obviously, it is preferable to only retain up to date information. Release Money Group Limited are obliged and permitted by law and regulation to retain certain types of data for a minimum period of time. The minimum period of time tends to be for six years but can be longer if the statute or regulation requires.
Subject access requests
You have a statutory right of access to accessible personal and/or sensitive personal data that we hold about you. In order to exercise this right, your application must be in writing for security reasons. Please write to the Compliance Manager, Release Money Group, First Floor, Crown House, Heap Brow, Bury, Lancashire. BL9 7JR. Please refer to the information you wish to see, giving dates of any documents if possible, and enclose a cheque for £10 payable to Release Money Group Limited. We will not administer Subject Access Requests by a third party unless accompanied by a written authority of the individual who is the subject of the request.
Changes to our Privacy Policy
If we decide to change our Privacy Policy, we will update all relevant documentation and post any changes onto our websites so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it.
Tell us what you think
Release Money Group Limited, welcome your questions and comments about privacy. Please write to The Compliance Manager, Release Money Group, First Floor, Crown House, Heap Brow, Bury, Lancashire. BL9 7JR .
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