MichaelAlan Ltd is a company registered in England & Wales under No. 08637832 Registered Office: Adamson House, Tower Business Park, Wilmslow Road, Didsbury, Manchester, M20 2YY. Registered with Information Commissioner ( Data Protection ) Office under registration No. ZA029468. MichaelAlan Ltd is authorised and regulated by the Financial Conduct Authority ( Registration No. 690939 )
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 October 2018.
MichaelAlan Ltd 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 MichaelAlan Ltd and our third-party partners (including Insolvency Practitioners) may contact you via telephone, email, post, SMS, automated messages, fax and WhatsApp.
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, web chat, WhatsApp or post this information may be held securely by ourselves for training, quality and regulatory purposes.
Protecting your privacy is important to us. The basis on which you are entitled to access the website is set out below:
Data Protection Act 2018
We know how important it is to protect your personal information. Any Personal Information we hold will be subject to the appropriate legal safeguards under the Data Protection Act 2018. We will process your Personal Information in accordance with the terms and for the purposes of this agreement. You confirm that you have the consent of any third party whose details you may disclose to us to discuss such details and to authorise us and such third parties referred to below to process such details for the purposes of assessing your enquiry.
We work closely with a small number of specialist companies offering debt services. Where we need to pass your personal details to a third party, those companies are bound by this agreement.
We may also disclose personal information about you to the extent required by law, court order, by government order or decree. Except as described above, we will not disclose your personal information to any third parties without your consent.
Data Privacy and Personal Details
The personal details which you submit to us (Personal Data) are held by us. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. By submitting your Personal Data you CONSENT to it being processed by us, and any associate companies as notified in this Policy.
Information We Collect From You
The Information we collect from you depends on the product or service you apply for, or the service that we provide to you. We will only collect information that we actually need, or where we’re required to collect the information to enable us to perform our legal, regulatory or contractual obligations necessary to provide you with the products or services, or where we have your permission.
This will likely include the collection of:
- your personal details (e.g. name, date of birth)
- address details
- contact details (e.g. phone number, email)
- special personal information* (e.g. health information)
- financial information
- employment information
- information on how you use our website(s) and products and services
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.
2. 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
From May 2018, you will have a right to object to our use of your personal information for these legitimate interests including where we may use your personal information to create a profile to inform customer demographics. If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we are continuing to process your personal information. Please contact our Compliance Team at firstname.lastname@example.org should you wish to exercise this right.
Disclosure of your Information
The information you provide to us will be held on our computers and may be accessed by or given to third parties and our staff for the purposes set out in this policy or for other purposes approved by you. Those parties process information and provide support services on our behalf. We may also pass aggregate information on the usage of our site to third parties, but this will not include information that can be used to identify you.
Information may be transferred to third parties who may be located outside the European Economic Area. We will ensure that your personal information is protected to the level of standards in accordance with the General Data Protection Regulations. If your information is shared with a third party, we will instruct and state restrictions as to will protect your information. Our third-party partners will also have their own privacy policies, which we recommend you refer to.
If our business enters into a joint venture with or is sold to or merged with another business entity, your information may be disclosed to our new business partners or owners.
We may share your data with The Financial Conduct Authority (FCA) and/or other regulatory bodies, for the purposes of compliance monitoring. Unless required to do so by law, we will not otherwise share, sell or distribute any of the information you provide to us without your consent.
All comments, queries and requests relating to our use of your information are welcomed and should be addressed to:
The Compliance Manager, MichaelAlan Ltd, Adamson House, Tower Business Park, Wilmslow Road, Didsbury, Manchester, M20 2YY