Cookies & Privacy Policy

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UK Debt Service Limited is committed to protecting and respecting your privacy. We respect and value the privacy of everyone who visits this website, www.uk-debtservice.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site and You will be required to read and accept this Privacy Policy when signing up for an Account. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

1. Definitions and Interpretation

In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:

“Cookie” means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site
“Data Protection Regulations” the Data Protection and Privacy Electronic Communications (EU Exit) Regulations 2019, which incorporates the EU Regulation 2016/679 General Data Protection Regulation into UK law (“UK GDPR”).
“personal data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined in the Data Protection and Privacy Electronic Communications (EU Exit) Regulations 2019, which incorporates the EU Regulation 2016/679 General Data Protection Regulation into UK law (“UK GDPR”).
“We/Us/Our” means UK Debt Service Ltd is a limited company registered in England under company number 11671903, whose registered office address is Bank Chambers, 93 Lapwing Lane, Manchester, England, M20 6UR.
“EU” means the European Union.
“UK” means the United Kingdom.

2. Information About Us

2.1 Our Site is owned and operated by us.

2.2 UK Debt Service Ltd is a limited company registered in England under company number 11671903, whose registered office address is Bank Chambers, 93 Lapwing Lane, Manchester, England, M20 6UR.

2.3 UK Debt Service is a trading name(s) of UK Insolvency Services Ltd, a limited company registered in England under company number 11807182, whose registered office address is Bank Chambers, 93 Lapwing Lane, Manchester, England, M20 6UR.

2.4 Our Data Protection Officer can be contacted by email at [email protected], or by post at UK Debt Service, South Court Business Centre, 3rd Floor South Court, Sharston Road, Sharston M22 4BB.

2.5 UK Debt Service specialises in Individual Voluntary Arrangements (IVAs), but we will always review your circumstances and let you know all debt solutions available so you can make an informed decision.

Carl McMullen is authorised to Act as an Insolvency Practitioner, in the UK, by the Insolvency Practitioners Association. UK Insolvency Services provides insolvency solutions to individuals and specialise in IVA’s. Our advice is given in reasonable contemplation of an Insolvency Appointment, once it is established that an IVA is the most appropriate debt solution. If we’re unable to take the anticipated IVA appointment, we may refer you to one of our partnered Insolvency Practitioners to avoid any possible delays processing your case.

2.6 UK Debt Service Ltd is registered under the Data Protection Act 2018 with the Information Commissioner’s Office (the, “ICO”). ICO Fee Payer Registration Number: ZA474502. UK Insolvency Services Ltd is registered under the Data Protection Act 2018 with the Information Commissioner’s Office (the, “ICO”). ICO Fee Payer Registration Number: ZA494984.

3. What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

4. Your Rights

4.1 As a data subject, you have the following rights under the Data Protection Regulations, which this Policy and Our use of personal data have been designed to uphold:

4.1.1 The right to be informed about Our collection and use of personal data;
4.1.2 The right of access to the personal data We hold about you (see section 12);
4.1.3 The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 15);
4.1.4 The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 15);
4.1.5 The right to restrict (i.e. prevent) the processing of your personal data;
4.1.6 The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
4.1.7 The right to object to Us using your personal data for particular purposes; and
4.1.8 Rights with respect to automated decision making and profiling.

4.2 If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 15 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.

4.3 For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.

5. What Data Do We Collect?

Depending upon your use of Our Site and/or our services, We may collect some or all of the following personal and non-personal data (please see Our use of Cookies detailed in Our Cookie Policy, which is available on our website):

5.1    full name;
5.2    home address and residential status;
5.3    date of birth;
5.4    gender;
5.5    job title/profession;
5.6    contact information such as email addresses and telephone numbers;
5.7    demographic information such as postcode, preferences and interests;
5.8    financial information such as, bank name and account details;
5.9  income details;
5.10  IP address;
5.11  cookies and tracker information from your browser and/or device;
5.12  web browser type and version;
5.13  operating system;
5.14  a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;
5.15  where you contact us by phone, email or post a record of that contact;
5.16  Where you contact us by phone we will retain a recording of that call.

6. How Do We Use Your Data?

6.1 All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the Data Protection Regulations at all times. For more details on security see section 8 below.

6.2 Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests (see section 7 below for further information). Specifically, We may use your data for the following purposes:

6.2.1  Providing and managing your Account;
6.2.2  Providing and managing your access to Our Site;
6.2.3  Personalising and tailoring your experience on Our Site;
6.2.4  Supplying Our services to you (please note that We require your personal data in order to enter into a contract with you);
6.2.5  For monitoring of calls made to and from customers to ensure that we are meeting the standards that we set;
6.2.6 personalising and tailoring Our services for you;
6.2.7 replying to emails from you;
6.2.8 supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by emailing us on [email protected]
6.2.9  market research;
6.2.10  analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;
6.2.11  to manage your marketing preferences;
6.2.12  to manage your data processing preferences;
6.2.13  to compile anonymised data for analytical purposes.

6.3 With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email, telephone, text message, and post with information, news and offers on Our products and/or services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the Data Protection Regulations (as may be updated from time to time).

6.4 We may contact you via email to invite you to review any services and/or products you received from us in order to collect your feedback and improve our services (‘the Purpose’). We may use an external company, such as Trustpilot A/S (“Trustpilot”), to collect your feedback which means that we will share your name, email address and reference number with Trustpilot for the Purpose. If you want to read more about how Trustpilot process your data, you can find their Privacy Policy here. We may also use such reviews in other promotional material and media for our advertising and promotional purposes.

6.5 You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.

6.6 We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):

6.6.1 As a general rule, unless we have been requested to delete Your information, Customer personal data will be kept for the duration of the provision of the services and for a period of up to six years after the services have been terminated by You or Us. This is based upon the Limitation Act 1980 for the period in which someone can bring a breach of contract claim;
6.6.2 Where we have not provided You with any products or services (i.e. there has been no contract between You and Us), then we will keep your data for a period of 12 months.
6.6.3 We may keep data longer than stated in 6.6.1 and 6.6.2 where we are required to do so by law or a contractual obligation, however where we can we will anonymise such data so that it no longer identifies a living individual.
6.6.4 Call recordings are retained for a period of five years from the date that the call is made.

7. Legitimate Interest

7.1 Where we use legitimate interest for the basis of our processing of your personal data we shall ensure that we can demonstrate compelling legitimate grounds for the processing, which override the interests, rights and freedoms of the individual.

7.2 You have the right to object to our use of your personal data where we use legitimate interest as the basis of processing. You can do this by contacting us on the details in section 15.

7.3 Our legitimate interests include:

a) the maintenance of our IT/Data Security systems and processes;
b) putting in place fraud prevention mechanisms;
c) keeping our records up to date;
d) working out which of our products and services may interest you and telling you about them (i.e. direct marketing);
e) developing products and services;
f) being efficient about how we fulfil our legal duties;
g) maintaining a marketing suppression list; and
h) complying with laws/regulations that apply to us.

8. How and Where Do We Store Your Data?

8.1 We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.

8.2 All our customer data is sorted and accessed from our servers in the UK / European Economic Area (“the EEA”)

8.3 However, some or all of your data may be stored/transferred outside of the UK. You are deemed to accept and agree to this by using Our Site and submitting information to Us. If We do store data outside the UK, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and in compliance with the Data Protection Regulations including:

8.3.1 Carrying out due diligence on prospective parties to which we wish to transfer the data to;
8.3.2 Carrying out a risk assessment on the country to which we will transfer data to ensure that the protection offered to data subjects is equivalent to those provided in the UK, or accepted by the UK regulator as having adequate levels of protections (i.e. an adequacy decision exists);
8.3.3 Having in place written contracts on the transfer and use of the data (or using model contract clauses) that set out clearly the responsibilities of each party and the rights of data subjects;
8.3.4 Transferring data in an encrypted form or using a secure file transfer protocol;
8.3.5 Limiting the data transfer to only data that needs to be transferred to achieve the purpose.

9. Do We Share Your Data?

9.1 We may share your data with other companies for carrying out/putting in place the debt solution that we recommend and for reporting purposes.

9.2 We may sometimes contract with third parties to supply services to you on Our behalf. These may include search engine facilities, advertising and marketing companies, Google Ads, Google Documents, Office 365, WhatsApp & WATI, Unbounce and Zapier. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.

9.3 In order to provide you with our services (and comply with our contractual obligations) we may need to share some or all of your personal data with our service providers:

  • Hubsolv/Aryza – CRM system
  • Freeman Jones – Insolvency Practitioners
  • Abbotts Insolvency – Insolvency Practitioners
  • Bennett Jones – Insolvency Practitioners
  • IVA Advisor – Insolvency Practitioners
  • CreditFix – Insolvency Practitioners
  • Hanover Insolvency– Insolvency Practitioners
  • Trust Pilot – customer feedback and reviews platform
  • PDP Consultancy Services Limited – Compliance consultant

9.4 We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.

9.5 We may sometimes use third party data processors that are located outside of the UK. Where We transfer any personal data outside the UK, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the Data Protection Regulations including:

9.5.1 Carrying out due diligence on prospective parties to which we wish to transfer the data to;
9.5.2 Having in place written contracts on the transfer and use of the data (or using model contract clauses) that set out clearly the responsibilities of each party and the rights of data subjects; and/or;
9.5.3 Transferring data in an encrypted form or using a secure file transfer protocol;
9.5.4 Limiting the scope of the data transfer to a ‘need to know basis’s only.

9.6 In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.

9.7 We may with your consent, or where it in our legitimate interest, also share some or all of your personal information with the following organisations:

  • Creative Networks – Our technology service provider

9.8 We may share your data with regulators and disputes resolution bodies such as:

  • The Financial Conduct Authority;
  • The Information Commissioner Office;
  • The Financial Ombudsman Service;
  • Advertising Standards Authority; and
  • Local Trading Standards.

9.9 Our service providers as listed in 9.3 and 9.7.

9.10 We use the services of Facebook Ireland Limited (Facebook) to carry out certain marketing activities on the Facebook Platform. Specifically, from time to time we use Facebook’s Audience Insights to help us to create targeted audiences for our advertising campaigns on Facebook. This involves sharing some of our customer personal data with Facebook to allow it to create for us information on the types of audiences (i.e. potential customers) on Facebook platform that would be best suited to see our adverts. In this respect Facebook acts as our joint processor.

For such processing of your personal data we and Facebook also act as a ‘Joint Controller’ this means that both Facebook and us can determine the reasons for processing of your personal data. Facebook has its own privacy policy on how Facebook processes personal data, including the legal basis which Facebook relies on and the ways to exercise Data Subject rights against Facebook. To review Facebook’s privacy policy, you can visit: https://www.facebook.com/about/privacy. You can also obtain full contact details of Facebook or its representative and the details of its Data Protection Officer from this policy.

In order to ensure the rights of data subjects (i.e. you) we have entered into a Controller Addendum with Facebook that sets outs each parties’ respective responsibilities in terms of this processing and our responsibility to inform you of the details in this section 9.10.

Any data subject requests with regard to the Personal Data stored by Facebook Ireland after the Joint Processing described in paragraph one of this section 9.10, is the responsibility of Facebook.

10. What Happens If Our Business Changes Hands?

10.1 We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.

10.2 In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes.

11. How Can You Control Your Data?

11.1 In addition to your rights under the Data Protection Regulations, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you control on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details).

11.2 You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

12. Your Right to Withhold Information

12.1 You may access Our Site without providing any data at all.

12.2 You may restrict Our use of Cookies. For more information, Our Cookie Policy which can be accessed on our website.

13. How Can You Access Your Data?

You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the Data Protection Regulations, no fee is payable and We will provide any and all information in response to your request free of charge. We will do our very best to supply you with the information within 30 days. Please contact Us for more details at [email protected] or using the contact details below in section 17.

14. Our Use of Cookies

Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve services. In addition, Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Our Site. For more details, please refer to Our Cookie Policy which can be accessed on our website.

15. Complaints Handling

Any expression of dissatisfaction about the provision, or failure to provide, a financial service and complaints handling procedure which alleges that the complainant has suffered (or may suffer) financial loss, material distress or material inconvenience is treated as a complaint. This includes correspondence in writing and that made during verbal communication.

Where any customer expresses concern about the service, steps should be taken to resolve that matter and it should be treated as a complaint. Complaints will be resolved within 8 weeks upon receipt and a detailed response will be provided to yourself.

Complaints are initially made to the customer service team and can be done via telephone on a local telephone number (basic rate). Complaints may be received directly from customers or from third-party representatives. In the event of any complaint, the matter must be recorded and logged and referred to the nominated complaints handler in accordance with the complaint handling process. All complaints will be acknowledged within 5 working days. Any complaint received from a third-party representative such as Trading Standards or the Citizens Advice Bureau should be immediately referred to the nominated complaints handler. Customers are provided with Insolvency Practitioners Association (IPA) details (including the website) and a leaflet on raising a complaint to IPA should they wish to do so.

16. Complaints Procedure

The following complaints procedure is made available to every customer upon request, is published on the company’s website, and is included in summary form in our customer documentation. There are several different ways that you can contact us and you can choose from the following: Contact our customer services team by telephone on 0330 320 0827. Lines are open between 10:00am and 7pm Monday to Thursday and 10:00 am to 4:00 pm Fridays (excluding bank holidays). Calls are charged at standard rates for your phone provider. Or by writing to us at:

3rd Floor South Court Business Centre
Sharston Road
Sharston
M22 4BB
Email: [email protected]

If you are contacting us in writing or via email please remember to let us know your name, your contact details, some details about your complaint and how we can help put things right.

How long will it take?

We try to resolve complaints as soon as possible. In most cases, we will be in touch with you within 3 business days with a resolution. If your complaint is complicated it may take longer, but we will keep you regularly updated about our progress and let you know if we need any further information from you. We’ll send you our final response within 8 weeks. If we can’t respond at this time, we’ll contact you to explain the delay and give you an indication of when to expect our response. If you’re unhappy with the progress of your complaint at this point or you are unhappy with our final response, you can refer it to the IPA.

You can contact the IPA at:

Our Insolvency Practitioner (IP) is personally licensed by the Insolvency Practitioners Association. The Insolvency Practitioners Association (IPA) can be contacted at;

Insolvency Practitioners Association
Head of Regulation
Working From Southwark
32 Blackfriars Road
London
SE1 8PB

www.insolvency-practitioners.org.uk

You can refer your complaint to the IPs authorising body at any time or if you remain unhappy following our response. You can do this by completing the online complaints form available at https://www.gov.uk/complain-about-insolvency-practitioner which can be sent by email or by post to the Complaints Gateway. Alternatively, you can call the Insolvency Service Enquiry Line on 0300 678 0015, who will take you through the questions on the form over the phone.

Regulatory Bodies

Our Insolvency Practitioner (IP) are personally licensed by the Insolvency Practitioners Association. The Insolvency Practitioners Association (IPA) can be contacted at Head of Regulation, Working From Southwark, 32 Blackfriars Road, London, SE1 8PB.

17. Contacting Us

If you would like to know more about how We use Cookies, please email us at [email protected] or contact us at UK Debt Service, South Court Business Centre, 3rd Floor South Court, Sharston Road, Sharston, M22 4BB.

Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 13 above).

18. Changes to Our Privacy Policy

We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.

This website www.uk-debtservice.co.uk (“Our Site”) uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve Our Site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur if you continue using Our Site. If you do not agree to Our Cookie Policy, please stop using Our Site immediately.

1. Definitions and Interpretation

In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:

“Cookie” means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. 
“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 incorporated into UK law as the Data Protection and Privacy Electronic Communications (EU Exit) Regulations 2019.
“personal data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined in the Data Protection and Privacy Electronic Communications (EU Exit) Regulations 2019, which incorporates the EU Regulation 2016/679 General Data Protection Regulation into UK law (“UK GDPR”).
“We/Us/Our” UK Debt Service Ltd is a limited company registered in England under company number 11671903, whose registered office address is Bank Chambers, 93 Lapwing Lane, Manchester, England, M20 6UR.
“EU” means the European Union.
“UK” means the United Kingdom.

2. Information About Us

2.1 Our Site is owned and operated by us.

2.2 UK Debt Service Ltd is a limited company registered in England under company number 11671903, whose registered office address is Bank Chambers, 93 Lapwing Lane, Manchester, England, M20 6UR.

2.3 UK Debt Service is a trading name(s) of UK Insolvency Services Ltd, a limited company registered in England under company number 11807182, whose registered office address is Bank Chambers, 93 Lapwing Lane, Manchester, England, M20 6UR.

2.4 Our Data Protection Officer can be contacted by email at [email protected], or by post at UK Debt Service, South Court Business Centre, 3rd Floor South Court, Sharston Road, Sharston M22 4BB.

2.5 UK Debt Service specialises in Individual Voluntary Arrangements (IVAs), but we will always review your circumstances and let you know all debt solutions available so you can make an informed decision.

Carl McMullen is authorised to Act as an Insolvency Practitioner, in the UK, by the Insolvency Practitioners Association. UK Insolvency Services provides insolvency solutions to individuals and specialise in IVA’s. Our advice is given in reasonable contemplation of an Insolvency Appointment, once it is established that an IVA is the most appropriate debt solution. If we’re unable to take the anticipated IVA appointment, we may refer you to one of our partnered Insolvency Practitioners to avoid any possible delays processing your case.

2.6 UK Debt Service Ltd is registered under the Data Protection Act 2018 with the Information Commissioner’s Office (the, “ICO”). ICO Fee Payer Registration Number: ZA474502. UK Insolvency Services Ltd is registered under the Data Protection Act 2018 with the Information Commissioner’s Office (the, “ICO”). ICO Fee Payer Registration Number: ZA494984.

3. How Does Our Site Use Cookies?

3.1 Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.

3.2 By using Our Site, you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for analytical purposes only. For more details, please refer to section 4 below.

3.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:

3.3.1 Strictly Necessary Cookies
A Cookie falls into this category if it is essential to the operation of Our Site, supporting functions such as logging in, your shopping basket, and payment transactions.
3.3.2 Analytics Cookies
It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.
3.3.3 Functionality Cookies
Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalisation and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category.
3.3.4 Targeting Cookies
It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.
3.3.5 Third Party Cookies
Third party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).
3.3.6 Persistent Cookies
Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.
3.3.7 Session Cookies
Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.

3.4 For more details of the personal data that We collect and use, the measures we have in place to protect personal data, your legal rights, and our legal obligations, please refer to our Privacy Policy which can be found on Our Site.

3.5 For more specific details of the Cookies that We use, please refer to the tables below.

4. What Cookies Does Our Site Use?

4.1 The following first party Cookies may be placed on your computer or device:

Name of Cookie Purpose & Type Strictly Necessary Life Span
cookiehub Used by CookieHub to store information about whether visitors have given or declined the use of cookie categories used on the site. Yes 365 days
_auth Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the web site and visitor. Yes 1 year
csrftoken Helps prevent Cross-Site Request Forgery (CSRF) attacks. Yes 1 year
ElfsightAppCore.storageTest Technical cookie. Used to implement third-party widgets on to the website. Yes Persistent
cg_pageview Analytical cookie: This cookie is used to identify the frequency of visits and how long the visitor is on the web site. The cookie is also used to determine how many and which subpages the visitor visits o n a web site – this information can be used by the website to optimize the domain and its subpages. No Session
cg_sessionid Analytical cookie: This cookie is used to identify the frequency of visits and how long the visitor is on the web site. The cookie is also used to determine how many and which subpages the visitor visits on a web site – this information can be used by the web site to optimize the domain and its subpages. No Persistent
cg_sessiontime Analytical cookie: This cookie is used to identify the frequency of visits and how long the visitor is on the website. The cookie is also used to determine how many and which subpages the visitor visits on a web site – this information can be used by the website to optimize the domain and its subpages. No Persistent
_ga Analytical cookie: Contains a unique identifier used by Google Analytics to determine that two distinct hits belong to the same user across browsing sessions. No 1 day
_dc_gtm_* Analytical cookie: Used to throttle request rate. If Google Analytics is deployed via Google Tag Manager. No 1 hour
whatsappChat.startTime Analytics cookie: This cookie is used to collect information about how the visitor interacts with the live chat function on the website. No Persistent
#,# Analytics cookie: Helps us to provide a better user service. No Persistent
#,#_expiresAt Analytics cookie: Helps us to provide a better user service. No Persistent
_pin_unauth Marketing cookie: Used by Pinterest to track the usage of services. No 1 year
_gcl_au Marketing cookie: Used by Google AdSense to understand user interaction with the website by generating analytical data. No 90 days
_uetsid Marketing cookie: This cookie is used by Bing to determine what ads should be shown that may be relevant to the end user perusing the site. No 1 day
_uetvid Marketing cookie: Used by Microsoft Advertising to store a unique, anonymized visitor ID to personalize marketing. No 390 days
_fbp Marketing cookie: Facebook Pixel advertising first-party cookie. Used by Facebook to track visits across websites to deliver a series of advertisement products such as real time bidding from third party advertisers. No 90 days

4.2 Our Site uses third party Cookies such as analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.

4.3 The analytics and marketing service(s) used by Our Site use(s) the following analytics and marketing Cookies:

Name of Cookie Purpose & Type Provider Strictly Necessary Life Span
_auth Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the web site an d visitor. pinterest.ie Yes 1 year
csrftoken Helps prevent Cross-Site Request Forgery (CSRF) attacks. pinterest.ie Yes 1 year
rc::a This a google.com cookie used to distinguish between humans and bots. This is beneficial for the web site, in order to make valid reports on the use of their website. google.com Yes Persistent
rc::a This is a google.com cookie used to distinguish between humans and bots. google.com Yes Session
MUID Analytical cookie: Microsoft User Identifier tracking cookie used by Bing Ads. It can be set by embedded microsoft scripts. Widely believed to sync across many different Microsoft domains, allowing user tracking. bing.com No 390 days
collect Analytical cookie: Used to send data to Google Analytics about the visitor’s device and behaviour. Tracks the visitor across devices and marketing channels. google-analytics.com No Session
_pinterest_sess Analytical cookie: This cookie is set by Pinterest that collects statistical details to track the use of its services. pinterest.ie No 1 year
_p_hfp_client_id Marketing cookie: Elfsight sets this cookie to implement social platforms on the website and enables the social platforms to track the users by assigning them a specific ID. apps.elfsight.com No 1 day
_pin_unauth Marketing cookie: Elfsight sets this cookie to implement social platforms on the website and enables the social platforms to track the users by assigning them a specific ID. pinterest.ie No 1 day
_p_hfp_client_id Marketing cookie: Used by Pinterest to track the usage of services. pinterest.ie No 1 year
_pinterest_referrer Marketing cookie: Detects how the user reached the website by registering their last U RL-address. pinterest.ie No 1 day
_routing_id Marketing cookie: Used by Pinterest to track the usage of services. pinterest.ie No Session
pagead/landing Marketing cookie: Tracks the conversion rate between the user and the advertisement banners on the web site – This serves to optimise the relevance of the advertisements on the web site. googlesyndication.com No Session
_routing_id Marketing cookie: Used by Pinterest to track the usage of services. pinterest.ie No Session
pagead/landing Marketing cookie: Tracks the conversion rate between the user and the advertisement banners on the web site – This serves to optimise the relevance of the advertisements on the web site. googlesyndication.com No Session
v3 Marketing cookie: Used by Pinterest to track the usage of services. pinterest.ie No Session

5. Consent and Control

5.1 Before Cookies are placed on your computer or device, you will be shown a pop-up message at the bottom of the page requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended.
5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

5.3 The links below provide instructions on how to control Cookies in all mainstream browsers:

5.3.1 Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB
5.3.2 Microsoft Internet Explorer: https://support.microsoft.com/en-us/kb/278835
5.3.3 Microsoft Edge: https://support.microsoft.com/en-gb/products/microsoft-edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist)
5.3.4 Safari (macOS): https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB
5.3.5 Safari (iOS): https://support.apple.com/en-gb/HT201265
5.3.6 Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-Cookies-website-preferences
5.3.7 Android: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DAndroid&hl=en (Please refer to your device’s documentation for manufacturers’ own browsers)

6. Changes to this Cookie Policy

6.1 We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
6.2 In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

7. Further Information

If you would like to know more about how We use Cookies, please email us at [email protected] or contact us at UK Debt Service, South Court Business Centre, 3rd Floor South Court, Sharston Road, Sharston, M22 4BB.