Cookie Policy

Who are we?

We are Conclusive Financial Ltd (referred to as "we", "us" and "our" within this policy), a company registered in England and Wales registered number 08463668, registered office Conclusive Financial, Office G4, Maxet House, 22 Lansdown Industrial Estate, Gloucester Road, Cheltenham, Gloucestershire, GL51 8PL.

Conclusive Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for regulated claims management services. Our firm reference number is 838617. You can check this on the Financial Services Register register.fca.org.uk.

It is important that you read this privacy policy so that you are fully aware of how and why we use your personal information. This website is not intended for use by anyone under the age of 16 and people below this age should not use this website nor enter any personal information into it.

If you have any questions about our data protection and privacy policies and procedures, we can be contacted by writing to the registered office detailed above, by email to info@conclusivefinancial.co.uk or by telephone on 01242 370 848.

We reserve the right to change, amend or modify this policy as we see fit. Once amended the most current version shall be displayed on our website.

What personal information will we collect and how?

We will only collect information from you that we need in order to provide the service for which you are applying. This includes sufficient information to enable us to perform our legal, regulatory or contractual obligations as required to provide that service.

This will likely include the collection of:

Personal information in order to identify you such as name, address, date of birth and contact details.
Financial and employment details, including Credit Reference Agency data.
Sensitive personal information (sometimes known as special category data), for example health information. We will only collect this data where necessary and with your specific consent.
Behavioural or technical information such as details of how you browse our website and the types of technology you use to access our website. This information is collected using cookies — see below.

We collect information when you use our website, when you speak to us over the phone and when you correspond with us via email or post. Occasionally we may also collect information about you from third parties or publicly available sources.

When you contact us by telephone your call may be recorded for training and monitoring purposes.

How we use your information

We may gather your information and process it using approved partners and third parties prior to you deciding whether to engage our services. This is only done with your consent or in order to comply with legal obligations associated with the advice being provided. Where we process special category data we shall only do this with your specific consent.

We may share information about you with third-party data providers in order to obtain more information in return, for example by utilising open banking or credit reference agency systems. This is only done with your consent or in order to comply with legal obligations.

If you opt in to receive marketing communications from us we may process your information for the purpose of providing such marketing communications to you. We will only process your personal information for marketing purposes with your consent.

If you decide to proceed with a solution we will continue to process your data and may share it with approved partners, third party service providers and other parties. Some of this processing activity may be located outside of the European Economic Area (EEA).

We may supply your information to a partner that can provide you with a solution we do not offer. This would only be done with your consent.

We may process and share your personal information with regulatory authorities. This is necessary so that we can comply with our legal obligations, for example to adhere to anti-money laundering legislation.

Who do we share your information with?

Your creditors and their representatives.
Other companies within our group.
Third-party service providers, including IT software service providers, payment service companies, communication providers, printers, claims management companies/solicitors and back office support providers.
Our regulators / professional bodies, including the Insolvency Service and the Insolvency Practitioners' Association.
Our bond providers / insurers.
Law enforcement and / or fraud prevention agencies.
Any party we may merge with, sell all or part of our business to, or a party we may acquire.
Approved partners that offer alternative solutions.

We have strict contractual terms governing how third parties handle your data and what it may be used for. It should only be used for necessary and legitimate purposes. We will only provide them with the information they need to perform their specific services.

All third parties are contractually required to keep your personal data secure and confidential and only process it in accordance with the legal obligations set out in the UK's General Data Protection Regulation and the Data Protection Act 2018. This also applies to any third party service providers that may be located outside of the European Economic Area.

What communication you might receive from us?

Marketing communications offering products or services we feel you may be interested in. You can let us know if you wish to opt out from marketing communications at any time using the contact details above.
Service communications or communications we are obliged by our regulator to send you from time to time.

How long we hold your information for

If you choose not to proceed with our service after the initial advice has been provided your personal information will normally be deleted after 12 months, unless we have another reason to keep it (for example you have consented to receive marketing information from us).

If you enter into a solution with us your data will be stored for 6 years following the date on which you last used our services. This is required in order to comply with our legal and regulatory obligations. After this time your data will be deleted.

Data security

It is extremely important to us that your information is secure. We have in place security measures to protect personal information being accidentally deleted, lost, or accessed by any unauthorised persons.

Your rights

Right of access — you have a right to know whether we hold your information, if we are processing that information, and to request copies of any information we hold on you and details of any third parties we may have shared it with.
Right of rectification — if you feel we hold any information about you which is incomplete or inaccurate you can request that we rectify this.
Right of erasure — also known as the 'right to be forgotten'. We shall remove any information about you save for where this is required to comply with a legal/regulatory obligation or to establish/defend a legal claim.
Right to data portability — where we process your information with your consent or because it was necessary to provide our service to you, you may request us to move, copy or transfer such information to you or another third party of your choosing in a structured and commonly used machine-readable format.
Right to object — you can object to our processing of your information where we are processing it on legitimate grounds.
Right to withdraw consent — even where we process your information with your consent you can withdraw this consent at any time. This may mean we are unable to offer our service to you.

Cookies

When you use our website we may store some information on your computer in the form of a commonly used file called a 'cookie'. These cookies are used to improve the online experience of most websites, including our own.

Some websites set cookies directly (first-party cookies) and some make use of services which set their own cookies (third-party cookies). We may make use of these types of cookies for purposes including personalisation of the website for returning customers.

Most internet browsers allow you to erase cookies from your computer, block cookies or give you a warning before a cookie is stored on your device. For further information consult the user guide for your particular browser.

Complaints

We request that any complaints are made to us to allow us to investigate and respond. Complaints should be sent to complaints@conclusivefinancial.co.uk. Complaints can also be sent direct to the Information Commissioner's Office: ico.org.uk/make-a-complaint.