Privacy Policy
Conditions for Processing
Information will be stored on systems so that relevant members of Navigate staff may access your personal and sensitive information in order to provide you with advice.
Any information submitted by you to Navigate is provided in order to:
- Assess your application for money and/or debt advice.
For your own legitimate interests or those of other persons and organisations, such as:
- Sharing your information with credit agencies should it be necessary to access a credit reference report to provide money and/or debt advice
- To monitor emails, calls, other communications and activities relating to our services you access
- For market research, analysis and developing statistics. This will always be anonymised unless we are reporting on information to the organisations mentioned below in Sharing Data
As necessary to comply with a legal obligation and where you have given consent, such as:
- When you have requested for us to record health information to assist with money/debt advice
- Sending you marketing communications
Data Categories
| Category | Examples |
| Identifier | Reference no, IP address, cookies |
| Personal- i.e About you | Contact information, gender, name, address, email, phone number, DOB, previous addresses |
| Financial | Income & Expenditure, Debts & Assets, Insurances, |
| Financial History | CCJs, past debts, disputed debts etc |
| Housing Status | Ownership, property status etc |
| Employment Information | NI Number, Employment Status, Employer, Tax Code |
| Sensitive Data | Disabilities, health, mental health, applicable benefits, |
| Proof of ID | Passport, driving licence, utility bill, Marriage Cert, Birth Cert etc |
| Future Plans | Will, future job plans, property plans, Debt options |
| Client Feedback | Complaints, comments, compliments, survey, notes |
| Subject Access Requests | Requests to view information we store |
| Erasure Requests | Request to erase information we store |
| Explicit Consent | Any consent to store sensitive data such as health information |
| Client Disclosed | Anything other than listed that you disclose that is relevant to your application |
Sharing Data
Subject to applicable data protection law we may share your personal data with:
- Sub-contractors and other persons who help provide our products and services
- A Credit Reference Agency, in order provide us with information in relation to money and/or debt advice
- Any organisation you have given consent for us to work with to assist with money and/or debt advice, for example: your creditors, your GP and any organisation who may have referred you to us
- Legal and other professional advisers, including auditors of Navigate CIO
Navigate will only share information with any other 3rd party if you give permission to do so or if Navigate CIO are required to do so by law or other regulation.
General Information
- Personal information about you may be kept in a file or on computer.
- You have the right to see this information on request. It will be kept for 6 years after the file for money and/or debt advice is closed, and then destroyed.
- If money and/or debt advice doesn’t proceed, personal data will be destroyed after 2 years.
How to get a copy of your personal information
You can access your personal information we hold by writing to us at this address:
Navigate CIO, 4 King Square, Bridgwater, Somerset, TA6 3YF
Letting us know if your personal information is incorrect
Please let us know if we have any information about you that you think is wrong or incomplete. If you do, we will take reasonable steps to check its accuracy and correct it.
What if you want us to stop using your personal information?
There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.
We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted.
Concerns
If you have any concerns about the way your data is to be handled, or any concerns in the future, please contact us on 01823 299050 without delay. We will do all we can to assist you.
If you feel that we have not addressed your concerns, you have the right to complain to the Information Commissioners Office (ICO).
More information is available on their website: https://ico.org.uk/concerns/ Alternatively, their contact number is 0303 123 1113.
