Our Privacy Statement
Debt Helpline Scotland (trading style of Your Financial Expert Ltd) is not giving advice or recommendation by virtue of having provided information on this website.
Following completion and submission of our form, we will introduce and share your details with Money Finance Group Limited who will contact you via telephone using the information you have provided here on the website.
Money Finance Group Limited is as an Appointed Representative of Your Mortgage Direct Ltd who are fully authorised and regulated by the Financial Conduct Authority. FCA registered number 825818.. Their authorisation can be checked on the Financial Service Register at https://register.fca.org.uk/.
Money Finance Group Limited – Licensed by the Information Commissioner’s Office Under the Data Protection Act. Registration Number: ZA473617. Registered Company Number NI656675.
Registered Office: Regus, 69 Buchanan Street, Glasgow, G1 3HL.
We do not charge for our services however, we may receive commission for this introduction. Should you enter into a debt management and resolution programme, your professional advisor will advise you of any fees which may then apply.
Your Financial Expert Ltd makes every effort to ensure that the information presented on this website is accurate and timely. Whilst Your Financial Expert Ltd takes precautions to prevent the occurrence of errors and omissions, the user of this website should not take the accuracy of the information for granted. None of the material contained in this website is to be relied upon as a statement or representation of fact. Your Financial Expert Ltd does not accept liability or responsibility and it gives no warranty as to the accuracy of this information.
Your Financial Expert Ltd is not giving advice or recommendation by virtue of having provided information on this Website. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Under no circumstances will Your Financial Expert Ltd., its employees, connected parties or qualified third party associates accept liability for any decision made or action undertaken as part of reliance to the information contained on this website. Your use of any information or materials on this website is entirely at your own risk. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. Your statutory rights are not affected by this disclaimer. If you have any questions regarding this disclaimer, please call us on 0131 263 0245.
Your Financial Expert Ltd T/A www.Your-Financial-Expert.Org
The General Data Protection Regulation (GDPR) is effective from 25 May 2018. This document sets our policy regarding the data we will collect, process, share and other relevant information for you. The information we collect is only done so where we genuinely need it, or where we are required to collect it to perform our legal and/or contractual obligations.
What is the lawful basis for collecting and processing my data?
You made an on-line enquiry through Debt Helpline Scotland (via Your Financial Expert) with a view to receiving debt counselling. There are various solutions to our clients within the United Kingdom and it is our job to ensure you receive the right advice.
Under the above legislation we therefore have a legal obligation to collect, process, and share your data. However, to ensure you are completely happy with your data being used, we will also ask you to consent to your data being used as per the document below before we formally act on your behalf.
What data will Your Financial Expert collect from me, and why?
Your Financial Expert Ltd will collect data from you to allow our team to confirm the information provided to one of our debt councillors over the phone.
This will include:
How we use your data
The data you provide is used to establish what debt solution, if any, is the most appropriate for your financial and personal circumstances. We use your data to consider if you meet any of the qualifying criteria, and then we will discuss this with you to determine which option you prefer.
Depending on the solution chosen we will refer you to an approved partner who will propose and administer the solution for you.
Who will Your Financial Expert Ltd share my data with?
In the process of determining your solution you will be referred to one of the licensed providers below. We will share your data with:
Financial Conduct Authority (FCA)
Our regulator who issue our license and therefore monitor our activity
Money Finance Group Limited
Debt Counselling firm, regulated by the FCA
This list is not exhaustive and from time to time we may be required to share your data with other bodies, however, we will obtain your specific consent in these eventualities.
We will only share your data with organisations outside the European Economic Area (EEA) where we have your express consent. However, we do not envisage that this scenario would arise.
We treat the security of your data with upmost importance. Your data is stored via electronic scans or on our case management software. This data is securely stored on both internal and external servers with the relevant level of security to ensure your data is protected. We employ 3rd party contractors who manage our IT security on our behalf and only do so to the highest standard.
When will Your Financial Expert destroy my data?
We are required to keep data in order to satisfy our regulators of our compliance to regulation and therefore we will keep your data for 6 years. After which we will destroy your data.
Your rights regarding your data
GDPR sets outs what rights you have regarding your data. These are outlined below:
The Right to be Informed
This document sets out the relevant privacy information regarding your data.
The Right of Access
You have the right to access the personal data we hold. Should you wish you can request access to your data free of charge, however, we may charge a fee if your request is manifestly unfounded, excessive, or particularly repetitive. We have one month to provide you with access to your data, which would usually be a PDF file of the data we hold.
Should you wish to access your data please write to Data Protection Officer, Your Financial Expert Ltd, Studio 3.1,
111 Union Street,
The Right to Rectification
You have the right for inaccurate data to be rectified or completed if you feel it is incomplete. You can tell us this verbally, or in writing at the address above. We have one month to work with you to correct the data.
The Right to Erasure
You have the “right to be forgotten”, and should you wish this to take place you can either tell us verbally or in writing. We will have one month to comply with your request.
The Right to Restrict Processing
Under this right, you have the ability to request that we still hold your data, but not use it if any of the following apply:
You contest the accuracy of our data and we are working with you to verify it
You are challenging the lawfulness of how we use your data and you would like to restrict us using it rather than erase it
We no longer need the data but we require it to establish, exercise or defend a legal claim
You object to us processing your data under Article 21(1), however, we are considering overriding this objection.
If any of these circumstances apply we will still hold your data, however we will not process it, share it until we have your consent to remove the restriction, or have legitimate grounds to override your restriction.
The Right to Data Portability
You have the right for your data to be transferred from one data controller to another. We are required to complete this within one month unless the data is complex. This is usually used in banking transactions.
The Right to Object
As an individual you have the right to object to your data:
Being processed for legitimate interests or performing a task in the public interest
Being used in direct marketing
Being used for scientific or historic research and statistics
Your Financial Expert only process your data with your express consent, and we never use it for any of the above scenarios.
Rights relating to automated decision making including profiling
Your Financial Expert Ltd do not use data in this way.
You have the right to withdraw consent at any time.
If you have any queries regarding this policy please contact us at:
Data Protection Officer
Your Financial Expert Ltd,
111 Union Street,
If you are not happy with how we have processed your data in the first instance you should contact us. If you’re not happy with how we have dealt with your complaint you have the right to complain to the Information Commissioners Officer. Details are at https://ico.org.uk/
All Rights Reserved. www.debthelpline.scot is a trading style of Your Financial Expert Ltd. – Information Commissioner’s Office, Number ZA439879