Privacy Policy 

Debt Advice Line www.debtadviceline.org.uk we are committed to ensuring that your privacy is protected. This Policy explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy.

Data Protection Act 1998Under the Data Protection Act, we (National Debt Relief) have a legal duty to protect information we collect from you, and tell you how we use this information.

The information we collect
We collect two kinds of information from visitors to this website

• Personal Information via submitted enquiries using web forms on our site.
• Site Usage Information from cookies and log files to help us provide a better service to our visitors

The provision of the services to you may also require us to store your details, together with details of your financial information. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.

Personal Information – How we use your personal information

In making an enquiry on this website, you are accepting our need to share your information. We may need to contact other companies within our group to service your enquiry. Your information will not be passed to any third parties without your prior consent. Any requirement to do this is rare as we offer most of the services you should require.Once we have replied to your initial enquiry, we keep it on record for 12 months for reference, marketing and auditing purposes. If you enter into further discussion with us, your information will be kept indefinitely and we will contact you annually to update it.

Marketing Preferences

You have a legal right to instruct us not to contact you for marketing purposes. 
To do so, please contact us on info@debtadviceline.org.uk

Access To Your Information

You have a legal right to see any information we hold about you. 
For a copy of your record there is an £20 admin fee. 
To see your records, please contact us on info@debtadviceline.org.uk

Site Usage Information - How we use Site Usage Information

Cookies – What is a cookie

A cookie is a small amount of data, which often includes an anonymous identifier that is sent to your browser from a website's computer and stored on your computer's hard drive. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent by other sites.

Our Use of Cookies

This website may use a cookie to track individual users around our site and to recognise them should they visit this site on more than one occasion. This does not track nor record personal information that could be used to identify you. We use this information for analytical purposes only. Most browsers can be set not to accept cookies within their privacy settings.

The table below explains the cookies we use and why.

__atuvc
This cookie allows you to add Collections Link to your browser favourites, and for your browser to remember this selection. We do not add anything to your browser selections.

 __utmx
__utmxx
This cookie is used by Google Analytics Website Optimiser. The cookie stores information regarding visitor variation, so the visitor has a consistent experience on our site

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civicAllowCookiesCookie Control:
When you click "ok" on the Cookie Control user interface, a cookie is set in order to remember your preference. These cookies are set only after the user has given consent to us to use cookies.

WRUID
WRIgnore
These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, details of which can be found by following the relevant link.

__utma
__utmb
__utmc
__utmz
All of these are additional standard Google Analytics cookies.
They allow us to find out which search engine and search term you used to find us, roughly how long you stayed, whether this is your first visit and some other basic information about you.

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wp-settings-time-1
These cookies are required by our Blogging software and hold no personally identifiable information.

Retargeting

We occasionally use Google for paid advertising. When you visit this site by this channel a cookie is stored on your computer (subject to your privacy settings, as above), which can allow us to re-target you with ads once you leave this site and visit other websites which use Google to display ads. Google calls this retargeting, the more general name is re-marketing. You may opt-out of this method of advertising from Google - visit Google Privacy.

Log Files

Like Cookies, log files allow us to record usage of this site. We use this information for analytical purposes as understanding patterns of user behaviour helps us improve our website. Log files do not contain personal information and they are not used to identify individual patterns of use of the site.

-How can you remove your information from our records

If you would like us to remove your information from our records then please send an email to einfo@debtadviceline.org.uk with the Subject: "Information Removal Request" and we will remove it as soon as possible.

-Third party providers and data privacy

On occasion we may need to refer you to a third party who is not related to our company. When we are doing this you will be informed prior to referral. This is only relevant on the rare occasion where we are recommending a solution that we do not offer and where we have a third party who can deal with this on your behalf. W here we need to pass information to a third party we will send only the information provided to us by the visitor via the online form or any other information that we discuss over the phone. We do not use any other database or services to find out further information other than that provided.If you decide to enter into a contract with a third party provider through a channel on our website, the information you have provided to us, together with any further information requested and supplied by you to the third party provider will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information once you have contracted with that provider.

Security

Our website is hosted on a secure server with 1and1 internet hosting company. Keeping information about you securely is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. As a result, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us and you do so at your own risk.

Please read this Privacy Policy carefully as once you use our website you will be regarded as having read and accepted this Privacy Policy. You must not use our website or our services if you do not accept this Privacy Policy.For more information about the Privacy Policy please feel free to contact us.

All advice is free. A fee is only payable where further services are requested. All fees will be explained in detail and discussed prior to commencement of any service or debt repayment plan. In the IVA our fees are included in your monthly payment to your creditors so you will not have to pay anymore than you can afford. More suitable debt solutions may be offered which may result in different fees applying and we will discuss those with you during your initial consultation. Creditors may still contact you with promotional material or to fulfil contractual obligations to you but they should deal with us in all aspects relating to the outstanding debts. Acceptance of your IVA cannot be guaranteed but we will do our best. You must meet certain criteria which will be discussed with  debt advice line advisors. Where we put a client forward for an IVA we believe they have an excellent chance of being accepted. Debts will only be written off where a client has made an agreed payment for a fixed period. In return the creditors agree to write off the remaining balance. Typically, our clients average debt write off is between 60-70% of the debt. What debt you have written off will depend on your individual circumstances and is subject to creditor approval and completion of the IVA. Your credit rating may be impacted for up to six years from the commencement of you IVA. Homeowners may be required to introduce equity if available. IVAs are setup and supervised by our Insolvency Practice through our partners. Phone calls: Calls from a landline are normally free. Please consult your provider if you are unsure. Calls from a mobile may be subject to charges. If you get charged just ask us to call you back for free.