Privacy & Cookie Policy

We are committed to safeguarding and preserving the privacy of our visitors.

This privacy policy will explain how our organisation uses the personal data we collect from you when you use our websites.

This privacy policy will apply to you if you provide your personal information to us, even if you decide not to go ahead with any product or service we offer.

WHO WE ARE

Netchwood Finance Limited
Atlantic Business Centre
Atlantic Street
Altrincham
WA14 5NQ

Registered Number: 06937144
Data Protection Licence: Z1810628

WHAT DATA DO WE COLLECT?

We will only collect information that we actually need, or where we are required to collect the information to enable us to perform our legal, regulatory or contractual obligations necessary to provide you with our service.

This will include the collection of:

  • Your personal details (name, date of birth)
  • Your address details
  • Your preferred contact details
  • Details of your employment/self-employment
  • Financial information

DATA REQUIRED FOR AN INDIVIDUAL VOLUNTARY ARRANGEMENT

If you enter into an Individual Voluntary Arrangement (IVA), it will be provided by Netchwood Finance Limited.  To be able to provide this service we will need to collect the following:

Contact Details:
Your full name, address, contact number, e-mail address etc. We need this so that we can keep you updated on the progress of your IVA and contact you when necessary. We also need this information to draft your proposal to creditors.

Personal/Financial Details:
Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependants, and creditor details (including the names of your creditors, reference numbers and balances). We need this so that we can decide whether an IVA is appropriate for you and so that we can draft and send a proposal to your creditors. Once you enter into an IVA, we need this information to ensure that we can receive payments and take any changes in circumstances into consideration when administering the IVA.

Income and Expenditure:
Details of your financial position including all sources of income and your household expenditure. We need this so that we can draft your proposal to creditors and set the correct level of payments to be paid into your IVA.

HOW WE GET THE INFORMATION AND WHY WE HAVE IT

Most of the personal information we process is provided to us directly by you for one of the following reasons:

When you make an application or enquiry to us either by phone, email, our website, by a third party or by any other means.

• Information received from a third party, for example a creditor providing information about an account you hold with them, or where you have previously agreed for your information to be shared with us, for example, if you have been introduced to us by another company
• By adding reviews or interacting with us using social media such as Facebook
• When we may need to obtain up to date information about you to meet our legal or regulatory obligations
• Where you have given permission for your information to be provided to us
Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting the office.
(b) We have a contractual obligation.
(c) We have a legal obligation.

WHO WILL THE DATA BE SHARED WITH?

Creditors and their Representatives:
Your personal data will be shared with your creditors, their agents, debt collectors, bailiffs and solicitors dealing with the debts.

The Insolvency Service:
If an IVA is accepted then details of about you and your IVA will be recorded on the Insolvency Register which is accessible by the public. The information we share includes your name, gender, date of birth and address. We have a legal obligation to supply this information.

Regulators:
We may have to share your information with regulatory bodies. These include the Insolvency Practitioners Association, the Information Commissioners Office or any other regulatory body or authority who may request certain information as part of their supervisory role. We are under legal and regulatory obligations to provide this.

Legal Advice:
We may need to instruct solicitors to assist with the administration of your IVA or to assist us with legal, regulatory and contractual obligations.

Insurers:
If an IVA is accepted then details of about you and your IVA will be sent to our insurers to enable us to bond the case.

WHO DO WE SHARE YOUR INFORMATION WITH?

We may share your personal information with the following organisations:
• Printers who print the letters which we send to you
• 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
• Third parties who may have introduced you to our services

If you provide personal information about someone else, for example when a joint application is made, you must do so with the permission of the other person. If you enter into a service jointly with another person (for example, linked Individual Voluntary Arrangements), your personal information and any information about the service provided to you will be shared with the other person. We will use the personal information about the other person in the ways as described in this privacy policy.

HOW WE STORE YOUR INFORMATION

We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements.

YOUR DATA PROTECTION RIGHTS

Under data protection law, you have rights including:

Your right of access – You have the right to ask us for copies of your personal information.

Your right to rectification – You have the right to ask us to rectify information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure – You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing – You have the right to ask us to restrict the processing of your information in certain circumstances.

Your right to object to processing – You have the right to object to the processing of your personal data in certain circumstances.

Your right to data portability – You have the right to ask that we transfer the information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at if you wish to make a request.

CONTACT US

If you have any questions or queries about how we use your personal information you can contact us using the address or email below:

Netchwood Finance
Atlantic Business Centre
Atlantic Street
Altrincham
WA14 5NQ

Email:

Phone number: 0161 914 6580

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline number: 0303 123 1113

Information We Collect
In running and maintaining our website we may collect and process the following data about you:

  1. Information about your use of our site including details of your visits such as pages viewed and the resources that you access. Such information includes traffic data, location data and other communication data.
  2. Information provided voluntarily by you. For example, when you register for information or make a purchase.
  3. Information that you provide when you communicate with us by any means.

Use of Cookies
Cookies provide information regarding the computer used by a visitor. We may use cookies where appropriate to gather information about your computer fin order to assist us in improving our website. We may gather information about your general internet use by using the cookie.  Where used, these cookies are downloaded to your computer and stored on the computer’s hard drive. Such information will not identify you personally. It is statistical data. This statistical data does not identify any personal details whatsoever. You can adjust the settings on your computer to decline any cookies if you wish.  This can easily be done by activating the reject cookies setting on your computer.  Our advertisers may also use cookies, over which we have no control.  Such cookies (if used) would be downloaded once you click on advertisements on our website.

Use of Your Information
We use the information that we collect from you to provide our services to you.  In addition to this we may use the information for one or more of the following purposes:

  1. To provide information to you that you request from us relating to our products or services.
  2. To provide information to you relating to other products that may be of interest to you. Such additional information will only be provided where you have consented to receive such information.
  3. To inform you of any changes to our website, services or goods and products.

If you have previously purchased goods or services from us we may provide to you details of similar goods or services, or other goods and services, that you may be interested in.
Where your consent has been provided in advance we may allow selected third parties to use your data to enable them to provide you with information regarding unrelated goods and services which we believe may interest you.  Where such consent has been provided it can be withdrawn by you at any time.

Storing Your Personal Data
In operating our website it may become necessary to transfer data that we collect from you to locations outside of the European Union for processing and storing. By providing your personal data to us, you agree to this transfer, storing or processing. We do our upmost to ensure that all reasonable steps are taken to make sure that your data is treated stored securely. Unfortunately the sending of information via the internet is not totally secure and on occasion such information can be intercepted. We cannot guarantee the security of data that you choose to send us electronically, Sending such information is entirely at your own risk.

Disclosing Your Information
We will not disclose your personal information to any other party other than in accordance with this Privacy Policy and in the circumstances detailed below:

  1. In the event that we sell any or all of our business to the buyer.
  2. Where we are legally required by law to disclose your personal information.
  3. To further fraud protection and reduce the risk of fraud.

Third Party Links
On occasion we include links to third parties on this website. Where we provide a link it does not mean that we endorse or approve that site’s policy towards visitor privacy. You should review their privacy policy before sending them any personal data.

Access to Information
In accordance with the Data Protection Act 1998 you have the right to access any information that we hold relating to you. Please note that we reserve the right to charge a fee to cover costs incurred by us in providing you with the information.

Contacting Us
Please do not hesitate to contact us regarding any matter relating to this Privacy Policy