Consolidation Help

Privacy Policy

Privacy Policy

 

Who are we?

MichaelAlan Limited is a Controller and Processor of Data. Our company is registered in England & Wales under No. 08637832 and our Registered Office is Brooks Drive, Cheadle Royal Business Park, Cheadle, SK8 3TD.  We are registered with the Information Commissioner Office under registration No. ZA029468.  MichaelAlan Ltd is authorised and regulated by the Financial Conduct Authority FRN 690939.

 

We trade under several trading styles including this website, our trading styles are registered with our regulators.

 

How and why we use your Personal Data

We use your Personal Data for the following purposes:

 

  • To provide you with the service you requested and to answer your enquiry.
  • To provide our contracted service to our solution providers
  • To facilitate an open communication channel between you and your finance provider
  • To inform the finance provider with information you have supplied to us to ensuring that your personal information is accurate and up to
  • To ensure all inaccurate information held by your finance provider is rectified as quickly as possible.
  • To liaise with your finance provider to exercise your right to the erasure of your data to prevent further or unnecessary processing that is not relevant to

Sensitive Personal Data

To provide our services to our clients, we may process information that could reveal other such information that is considered “Sensitive Personal Data”. This information includes, data relating to a person’s health mostly to record vulnerability or illness or health information and only when a person has given their explicit consent for us to do so. This could be shared with your finance and solution provider in order for them to understand your personal situation better.

If consent isn’t given to process any Sensitive Personal Data, this may mean we are unable to assist customers with issues that they may wish us to raise with their finance service provider. For Example:  a health issue that resulted in loss of work and then income. That resulted in your finance provider collecting their debt.

 

Communicating with You.

To manage our relationship with you, occasionally we may need to contact you by email and/or SMS for administrative or operational reasons, for example, to collect documents or send you confirmation of an appointment date and time. Please be aware that these communications are business communications, they are not made for marketing purposes and should not be deemed as such.

 

Your feedback

A customer’s opinion is very important to us, so we may send correspondence to customers to seek their feedback on our service provision.

 

We will use the communication methods exchanged with us by the customer or their finance provider. Feedback is used to assess our processes and where applicable they will be amended, and our policies reviewed. We will use this feedback to improve our service and ensure better compliance with legislation. It also helps us to manage our relationship with a customer on behalf of their finance provider and to improve the customer experience.

 

Requesting access to your Personal Data

 

Everyone has a right to request access to their Personal Data that is held about them. This could include email address, telephone numbers and address history.

 

If you would like to request a copy of your personal data, please contact us at the address at the top of this policy.

 

Security of your Personal Data

We are committed to taking appropriate technical and organisational measures to protect Personal Data against unauthorised or unlawful processing and against accidental loss, destruction, or damage. When data is provided through our website this information is transmitted across the internet securely using high-grade encryption.

 

We may in some instances share your Personal Data to a third party. When we take this action, we require that the third party has appropriate technical and organisational measures in place to protect Personal Data. However, in some instances we may be compelled by law to disclose Personal Data, such as law enforcement agencies, and therefore have limited control over how it is protected by that party from therein.

 

The information that you provide to us will be held in our systems, which are located on our premises or those of an appointed contracted third party. We may also allow access to your information by other third parties who act for us for the purposes described in this Privacy Policy or for other purposes approved by you.

 

Your Personal Data may be accessed by and processed outside the European Economic Area (the European Economic Area being the European Union and Iceland, Liechtenstein and Norway, also referred to as the “EEA”) – including by staff operating outside the EEA who work for us or for one of our solution providers (this includes staff engaged in, among other things, the provision of support services). Where your personal data is transferred outside of the EEA, we require that appropriate safeguards are in place.

 

The security of Personal Information is important to us, however, please be aware that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect Personal Information, we cannot guarantee its absolute security.

 

Change of Purpose for Storage of your Personal Data

We will only use Personal Data for the purposes for which we process it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

 

Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

 

Automated decision-making

Our procedures involve automated decision- making processes, therefore the Personal Data we hold about you may result in a soft credit search being undertaken, We will only ever perform a hard search with consent from you provided on a recorded call.

 

Data Retention

We will retain personal information from the date of receipt for no less than a 6-year period in an encrypted format to a maximum period of 10 years. We retain personal information for this period so that we can show that we have not discriminated against anyone on prohibited grounds and that we have also conducted the processing of the data in a fair and transparent way. After this period, unless separately legally required to retain the information, we will securely destroy personal information in accordance with our data retention policy and the applicable laws and regulations.

 

If we wish to retain personal information on file for a period beyond the above, we will write to the people concerned separately, seeking their explicit consent to retain their personal information for a further fixed period on that basis. In some circumstances we may anonymise the personal information so that it can no longer be associated with a living person, in which case we may use such information without further notice.

 

Cookies or other Tracking Technologies

To improve our services, and to analyse how visitors use our website, we may use technologies, such as cookies, pixels or tracking software. Please be aware that in most cases we will not be able to identify a person from the information we collect using these technologies.

 

We also use cookies in our website and in our emails. Cookies are small pieces of information stored by a browser on a person’s computer’s hard drive. They enable a person to navigate our website or any other website.

 

Cookies can be deleted if a person wishes; while certain cookies are necessary for viewing and navigating websites including ours. This means that if the use of cookies is not accepted, a person may not be able to use some portions of our Site.

 

You can amend the cookies we use on first accessing our website via our cookie banner.

 

Links to Other Sites

Our Site may contain links to other sites that are not operated by us. If a person clicks on a third- party link, they will be directed to that third party’s site. We strongly advise that visitors review the Privacy Policy of every site you visit.

 

Your Rights

 

Lawful basis for collecting your personal data.

We rely upon a different lawful basis to process your personal data according to the reason for

which you have provided your data to us. Our use of your personal data will always have a lawful

basis. Our lawful basis for contact is:

 

Consent & Legitimate Interest

Initially when you submit your application with us we will process and store your personal data on the basis that you have provided your consent to be contacted by us in relation to your application.

You can withdraw your consent by contacting us by using the contact details stated in this document. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you changed your mind.

 

Rights of Access

You have the right to a copy of the data we hold about you. To obtain a copy please contact us by using the contact details stated in this document.

 

Rights to Amend

You have the right to amend any data we hold if it is no longer accurate, such as contact details or creditor information. To amend your data please contact us by using the contact details stated in this document.

 

Rights to Cease Processing

You can ask us to stop processing your data by contacting us. If you engaged us and hold a solution with one of our providers, we will continue to contact you but only in relation to your plan and normal business reasons. We would cease to process your data for marketing purposes.

 

Opt Out

We will only contact you about other services or solutions if you have ‘opted in’ to receiving such communications. This consent is captured when we first speak to you by a recorded call. This is because we are required by law to save and record your consent.

Opt In 

Upon completion of your online form the data will be shared with our brokers Simply Money For all unsecured applications and Believe Money for all Secured Loans. Upon receiving a call they will confirm and gather all other information

 

 

Updates to our Privacy Policy

We may make changes to this Privacy Policy from time to time which may include any new data protection legislation. We will publish on our website any new version of this Policy.

 

Contact information for Data Protection matters.

We have allocated the oversight of data protection to our Director Paul Saunders who oversees compliance with this privacy notice and all things related to data protection. If you have any questions about this privacy notice or how we handle your personal information, please contact our director at the address at:

 

Post: MichaelAlan Limited, Brooks Drive, Cheadle Royal Business park, Cheadle, SK8 3TD

Telephone: 01617910763

Email: paul@michaelalangroup.com

 

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for Data Protection Issues.