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.
Contacting us about Data Privacy
Please use these details to contact us about any of the topics set out in this Privacy notice, if you have any questions or want more information about how we manage your data.
First Floor, The Reel House
7 West Regent Street
0141 221 0999
What Information we collect and why
This section sets out the legal reasons we rely on, for each of the ways we may use your personal information.
Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so, via the new General Data Protection Regulation (GDPR) rules:-
- When you consent to it, or
- When it is our legal duty, or
- When it is in our legitimate interest
When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.
The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. We will not collect or use these types of data without your consent unless the law allows us to do so.
Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.
Processing your online enquiry
When you complete the online enquiry form we take this as your explicit and informed consent to collect the information and contact you to discuss it further. We use your contact information, and the limited amount of financial information you provide to prioritise our work. You don’t have to complete the online form, you can choose to contact us by phone instead.
We may send you SMS & email marketing communications or send you service related SMS & email marketing reminders, such as to remind you of an upcoming annual review.
You can withdraw your consent at any time by contacting us using the details shown above and we will cease processing your enquiry.
When you access our website, your Internet Protocol (IP) address, operating system and browser type is automatically collected and is placed in our internet access logs, which we use for system administration and statistical analysis. We collect information directly from you in a number of ways. One way is through our use of “cookies” (see section on Cookies here)
Preparing your case for referring to our Insolvency Practitioners
When we contact you by telephone to progress your enquiry our calls may be recorded for our legitimate interest and to protect us against legal claims.
We will continue to use your consent to collect more detailed information about your financial situation. We will ask you to send us documentary proof of your information, that may include National Identifiers such as your National Insurance number. You may withdraw your consent at any point that you are on the phone with our advisor.
Special Category Data
Information related to your health, or the health of other people in your household, is particularly relevant to your financial situation or your ability to manage your debts. We will therefore collect relevant health information as part of your case.
Managing Our Business
Areas of Financial Services are highly regulated and as such we may need to keep records including your personal information and occasionally share them with regulators in our legitimate interest or as a legal obligation.
Security of your information
We take the security of your information very seriously. We have access controls in place and all our staff are trained on the importance of data privacy and security. If you send us documentation it is scanned and the image is stored in our case management system. The original documents are placed in secure bins and shredded by a reputable firm.
Who we share your information with
When we have completed the initial fact find information on your case, we will use our legitimate interest to assess your suitability for a debt solution.
We may also share your personal information with the following organisations:
IT Service Providers who provide IT platforms or other IT services
Payment Service companies that process transactions for us (e.g. Direct Debits and card transactions)
Communication providers (e.g. telephone line providers, and email and text service providers)
Third party companies whom we instruct to contact our customers on our behalf for marketing and communication purposes
Advertisers and social media companies such as Facebook, Google and Twitter for our social media accounts or where we can contact you using your social media account
With your consent we may pass your email address to Trustpilot who will invite you to complete a review of our service, your review may be posted on this website, or our social media channels, along with your name if you have entered this on your Trustpilot review.
We will not pass your information to any other organisation without your consent.
We work with a number of data processors such as telecoms and software providers to provide our service. All of these firms operate under written agreements.
How long we keep your personal information
We only keep information for as long as necessary and in accordance with the Data Protection Act 2018.
If you make an enquiry via our website (trustdeedscotland.net) or by email/telephone that does not progress beyond the first advice stage, we will delete your information after 2 years, or sooner at your request.
The 2-year period does not apply if our insolvency practitioner acts or has acted as your Trustee under a Trust Deed, Trustee in Sequestration or Money Adviser under the Debt Arrangement Scheme.
If so, we will delete your information 5 years after your case has been closed. If you request your information to be deleted sooner, we will confirm if this is possible subject to the legislation that governs your debt solution.
Withdrawing your consent
If we are processing your personal information with your consent you may withdraw it at any time. Contact us using the information shown above.
If your personal information is incorrect
You can ask us to correct any of the personal information we hold you believe is incorrect. We may ask you to verify this.
If you want to restrict the processing
If you want us to pause the processing of your enquiry, please contact us. You may wish to do this if you want to correct information or whilst you decide whether to withdraw your consent.
If we have referred your case to an Insolvency Practitioner, you will have to contact them directly about restricting processing.
Deleting your Information
If you want us to delete your information we may be able to do this if you contact us. We can only delete personal information if it does not conflict with our retention policy.
Getting a copy of your personal information
You may request a copy of the information we hold about you. We will respond to this request within one month. You can contact us using the details shown above.
Portability of Information
You may ask us for a machine-readable copy of the information you entered into our online enquiry form. We will provide this via a secure method.
You may view the current pages of our website by browsing our sitemap. You can contact us if you think we may need additional content at any time.
Trust Deed Example
Example Unsecured Debts
|2||Credit card 1||£6,812|
Your Monthly Repayments Would Be
a Scottish Trust Deed £748
(total contractual repayments)
a Scottish Trust Deed £295
(total contractual repayments)
* Subject to creditor acceptance
* Payment subject to individual circumstances
* Credit rating may be affected
* Fees apply, subject to individual's circumstances. For more information on our fees click here