Privacy Policy & Terms of Business
Tacao Limited trading as www.debt-helpline.com is committed to preserving the privacy of all visitors to www.debt-helpline.com.
Please read the following privacy policy to understand how we use and protect the information that you provide to us.
Our organisation is committed to protecting the privacy or your personal information and is registered with the Information Commissioners Office (ICO), in order to make transparent our data handling practices and complies with the General Data Protection Regulations (GDPR) effective from May 2018.
Debt Helpline may choose to amend the content of this policy on occasion which will be posted on this website. Please visit this policy on a regular basis to make sure you understand what we do with your information.
By registering on this site, you consent to the collection, use and transfer of your information under the terms of this policy.
How we may contact you
Unless you state otherwise Tacao Limited trading as www.debt-helpline.com and our third-party partners (including our Insolvency Practitioners) may contact you via telephone, email, post, SMS, automated messages, fax and WhatsApp. We transfer data to our partners to enable our partners to deliver to you, products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data. We may do this because you gave your consent. Once we have delivered your personal data to our partner that partner becomes the controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to our client, we are no longer responsible for your personal data. Our Partners have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you. For the purpose of Debt Management Plans, Individual Voluntary Arrangements our partners include The Debt Advice Service - Trading as BHDB Associates Limited FRN 912475, BHDB Associates Ltd is a company incorporated in England and Wales, with company number 10534486 and having its registered office at Ram Mill, Gordon Street, Chadderton, Oldham, OL9 9RH.How you contact us
If you contact us by telephone using the specified numbers on our website or advertising/marketing correspondence, your call may be recorded for training, quality and regulatory purposes. If you contact us via email, webchat, WhatsApp or post this information may be held securely by ourselves for training, quality and regulatory purposes.Information that We Collect from You
We may obtain personal information from you through websites, mobile applications or other similar devices, channels or applications operated by or on behalf of any of the following brands: Tacao Limited trading as www.debt-helpline.com. When you visit, register or access services on www.debt-helpline.com you may be asked to provide certain information about yourself including your name, contact details, email address and telephone number. In the course of providing the services to you, we may also store information about how you use our sites, for example the pages viewed, the website from which you came to visit our site, details of your financial circumstances including the level of your debt and amount you can afford towards repaying your debts. We may also collect information about your usage of our Website as well as information about you from messages you post to the website and e-mails or letters you send to us. Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the sites is correct, complete, accurate and not misleading and that you disclose all relevant facts If you are providing us with another person’s information you should first ask them to read this Privacy Policy. By giving us information about another person you are confirming that they have given you consent to provide the information to us and that they understand how their details will be used.Informing you about products and services
By providing us with your contact details, you consent to being contacted by mail, telephone, fax, email, SMS/MMS and Wattsapp to let you know about any services offered by ourselves or carefully selected business partners or other third parties, which may be of interest to you. You can of course withdraw this consent at any time by contacting us to let us know. We will not contact you, or pass your information to our business partners or 3rd parties; unless you have indicated your agreement that we may do so (you have ticked our privacy statement box). Where we are making arrangements on your behalf we may need to pass your information to third parties to conclude those arrangements. For example, we may refer you to a finance broker if it appears that debt consolidation could form part of the solution to your debt issues.Lawful basis for collecting your personal data
We process your personal data on different bases, according to the reason for which you have provided your data to us. When you are browsing the Website, we process your data on the basis that you have given your consent to such processing by accessing the Website. When you have submitted your debt enquiry with the Tacao Limited, we process this personal data on the basis that we have a legitimate interest in processing your data (i.e. to share your information with our debt solution providers) in order to find the best debt solution for you. When you have submitted the debt enquiry, we process your personal data on the basis that we need this information to answer your queries and provide you with the best possible advice for your debt hep enquiry.Use of your Information
We will only collect and use your personal information in accordance with data protection laws. Our grounds for processing your personal information are as follows:Consent
Where necessary we will only collect and process your personal information if you have given your consent for us to do so, for example, we will only send you certain marketing emails and process any sensitive information about you if we have your consent. By ticking and accepting our privacy policy and terms of business you agree to giving us consent to contact you and carry out any marketing campaigns.Legitimate Interests
We may use and process some of your personal information where we have sensible and legitimate business grounds for doing so. Under European privacy laws there is a concept of “legitimate interests” as a justification for processing your personal information. Our legitimate interests for processing your personal information are to:- Verify your identity and credit standing to enable us to provide debt counselling.
- Assist in completing your application for an Individual Voluntary Arrangement (IVA)
- Extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market product analysis).
- Detect, prevent and investigate actual and potential fraud and related activities.
- Develop, manage and market products and services to meet your needs and to contact you for products and services that may be of interest.
- Determine your eligibility for different products and services that you may be interested in.
- Contact you in connection with your enquiry.
- Update this website to better meet your needs in the future.