Privacy policy

Who we are

MoneyEase is a trading style of SLWB Ltd (company number 16451543), whose registered office is at Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX. SLWB Ltd is the “controller” of your personal information: we decide how it’s used, and we’re responsible for looking after it.

We follow the UK GDPR and the Data Protection Act 2018. We are registered with the Information Commissioner’s Office (ICO) under number ZB401693.

This policy explains what we collect, how we use it, who we share it with, and the rights you have.

What we collect

When you fill in the form on our website, we ask for:

roughly how much you owe, how many debts you have and what kinds, your monthly income and spending, and your work status
your first and last name, mobile number and email address
the 6-digit code we text to your mobile, which shows the number is yours

When we look at your situation with you, and if you go ahead with a debt solution, we may also need:

your date of birth and gender, your home address and previous addresses, your marital status and how many people depend on you
details of your debts, your creditors and your account numbers
your income, your job, and your monthly spending and household budget
your bank details, to set up payments
information from your credit file

Our website’s logs may also record basic technical information, such as your IP address, browser and device, to keep the site running and secure.

Sometimes you might tell us about your health, or other sensitive matters, because they affect your finances. We only use this with your explicit consent, or where the law allows it for reasons of substantial public interest.

How we use it

To show you the right question and keep your answers as you move through our form.
To text you a code, and check that your phone number and email address are real.
To contact you about your enquiry.
To understand your financial situation and give you advice that suits it.
To set up and run your debt solution, including Individual Voluntary Arrangements (IVAs).
To keep in touch with you about your case.
To meet our legal and regulatory obligations.
To keep our website safe, and to improve our website and services.
To send you information about our services, but only if you’ve agreed to it.

Our form uses your answers to check whether we’re likely to be able to help. For example, we can only help people with two or more debts, so the form stops if you have one. This isn’t a decision about your finances. MoneyHelper can give you free advice whatever your answers (moneyhelper.org.uk).

Our lawful reasons

The law says we need a valid reason to use your information. Ours are:

Contract: we need it to provide our service to you, or to take steps you’ve asked for before you sign up.
Legal obligation: we need it to meet our legal duties, including under insolvency law and data protection law.
Legitimate interests: we need it to run and improve our services, check form entries are genuine and prevent fraud. We only rely on this where your own rights don’t outweigh it.
Consent: where you’ve given us clear permission, for example to send you information about our services or to use sensitive information such as details about your health.

We only share your information with people who need it to help you, or where the law requires it:

Insolvency Practitioners: Adam Southard, our licensed Insolvency Practitioner (licensed by the Insolvency Practitioners Association, Office Holder No. 11930), and anyone appointed as the nominee or supervisor of your arrangement.
Your creditors: so we can deal with them for you and run your debt solution.
Credit reference agencies: to confirm who you are and understand your financial situation.
Regulators and public bodies: including the Insolvency Service, the Financial Conduct Authority (FCA) and the Insolvency Practitioners Association (IPA). If you enter an IVA, the law requires some details to be published on the Individual Insolvency Register.
Our IT and service providers: the companies that host our website, send our text messages and run our systems. They work under strict data processing agreements and only on our instructions.
Professional advisers: such as lawyers, auditors and accountants, when we need them.

We will never sell your personal information to anyone for marketing.

How long we keep it

We only keep your information for as long as we need it:

While you fill in our form, your answers are kept in a cookie in your browser for up to 7 days. It’s deleted once you confirm your phone number. Our cookie policy has the details.
If you take out a debt solution with us: for as long as it lasts, then six years after it ends, whether it’s completed, ended early or fails.
If you get in touch but don’t go ahead: up to three years from the last time you contacted us.
If you’ve agreed to hear from us about our services: until you withdraw your consent, or up to two years from the last time you were in touch.

After that, we delete your information securely or make it anonymous.

Keeping it safe, and where it’s stored

Our website uses an encrypted connection, so what you type travels securely. Only the people and providers who need your information can see it.

We mainly store and use your information in the UK. If a service provider handles it outside the UK, we make sure it’s protected to the same standard as UK law requires, for example by sending it only to countries the UK recognises as safe, or under approved contract terms.

Your rights

Your information belongs to you. You have the right to:

get a copy of the information we hold about you
ask us to correct anything that’s wrong or incomplete
ask us to delete it, in some circumstances
ask us to limit how we use it
get a copy in a format you can take elsewhere
object to us using it where we rely on our legitimate interests
withdraw your consent at any time, where we rely on it

To use any of these rights, contact us using the details below. It’s free, and we’ll reply within one month. We may ask you to prove who you are first, so we never give your information to someone else.

Cookies

We use one cookie, only on our form, to keep your answers while you fill it in. We don’t use analytics or advertising cookies. Our cookie policy explains more.

Questions, complaints and changes

If you have a question about your information, or want to use your rights, contact us:

Email: [email protected]
Phone: 0161 854 0850 (standard rate, Monday to Friday, 9am to 5pm)
Post: Data Protection, SLWB Ltd, Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX

If you’re unhappy with how we’ve handled your information, please tell us so we can try to put it right. You also have the right to complain to the Information Commissioner’s Office at ico.org.uk or on 0303 123 1113.

We may update this policy to reflect changes in how we work or in the law. We’ll publish any significant change on this page and change the date at the top.