Trust Deed Scotland Privacy Policy

Trustdeedscotland.net is a registered trading name of Kelsom Ltd and are committed to ensuring that your privacy is protected. This Policy explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy.

Please read this Privacy Policy carefully as once you use our website you will be regarded as having read and accepted this Privacy Policy. You must not use our website or our Services if you do not accept this Privacy Policy.

The information we collect

We will collect personal information about you which you give to us when you provide information as part of our product aggregation service, for example, in order to obtain a quote for a Trust Deed. The provision of the services to you may also require us to store your details, together with details of your financial information. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.

Purposes for which we use information about you

We may use your personal information for the following purposes:

  • To enable you to access and use the services; and/or
  • To personalise aspects of our overall service to you; and/or
  • To communicate with you; and/or
  • To process a transaction between you and a third party.
  • We will not sell or pass your details on to any companies out with Kelsom Ltd

Sensitive information

We may need to pass some of the information you have provided to our panel of Insolvency practitioners such as your financial details and disposable income. These details are essential in order to provide you with the quotes you have requested from our service.

Passing on information about you

Please be aware that once you use our website or our Services, you will be regarded as having given your consent to us disclosing your personal information to the following parties:

  • Third party providers whose products or services are listed on the results pages of the channels on our website, for the purposes of obtaining an online quotation for you or comparing different products and services as requested by you;
  • Other third parties that might be able to offer, either an alternative product in the event that your preferred choice of third party provider does not approve your application or offers a less attractive product or service than you had originally applied for, or simply a product that meets the basic criteria of the type of product for which you have searched on.

Third party providers and data privacy

If you decide to enter into a contract with a third party provider through a channel on our website, the information you have provided to us, together with any further information requested and supplied by you to the third party provider will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information once you have contracted with that provider.

Security

Our website is on a dedicated secure server with a secure socket layer 128bit encryption and keeping information about you securely is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. As a result, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us and you do so at your own risk. Sensitive information, for example your information, is encrypted to minimise to risk of interception during transit.

Cookies

A cookie is a very small text file placed on your computer by a web browser, which has been sent by a web server. It is essentially an "identification card" relating to you. The main purpose of our cookies is to identify you when you visit our website. Each time your browser requests a web page from our server, the browser sends the information in the text file back to the server and lets the server know that you have returned to that web page. We use cookies to provide you with a better service tailored to suit you. We will store your cookies for a maximum of three months.

Cookies help you to save time. For example, if you register for our services, a cookie helps us to remember who you are and what your preferences are. The next time you return, we can fill in any questions that you have already answered. The more you tell us about yourself, the more we can help to find information or products you want.

If you do not accept incoming cookies then the performance of our website on your system will not be to full standard or our website may not serve at all.

Your Rights

You have certain rights under the Data Protection Act 1998. For example, we will always let you have a copy of all personal information we have about you should you request it. We may charge you a fee for a copy of such information.

Unsecured DebtsThis includes unsecured loans, credit cards, council tax arrears, bank overdrafts etc.

Note - student loans cannot be included in a Trust Deed.
Net IncomeThis is your monthly take home pay including any other income

Example
Take home pay £1200
Child tax credit £200
Total net income £1400
ExpenditureThis includes all rent or mortgage payments and all other fixed outgoings that you pay each month.

Excluding your payments for your unsecured debt.
Nearest CityWe have a network of Trust Deed providers throughout Scotland

Your location will help us recommend the best providers.