Regulatory Notice



When you make an application or enquiry for one of our products or services we’ll use your information to provide you with appropriate information about any solutions we may be able to offer to you. If you cannot provide this information we may not be able to continue with your application or enquiry.

We may also use this information to contact you about your application, for example, sending you an email, text message or letter to welcome you to our services.

We will process the personal data we collect about you for the purposes set out below.

After you have made your initial application/enquiry, if you also decide to go ahead with any of the products or services that we offer, we explain below how we will also process your data when we provide that particular product(s) or service(s).




Where we are providing you with a debt solution, such as an Individual Voluntary Arrangement (IVA), we will process your personal information to administer the services we provide. This may include contacting you where we may need further information or sending you updates on the progress of the services we provide to you.




The information below specifically explains how and why your personal data will be used so that the services can be provided to you.



To be able to provide our services we will need to collect certain categories of personal data. This will include:

  • Contact Details: Your full name, address, contact number, e-mail address etc. We need this so that we can keep you updated on the progress of your IVA and contact you when necessary. We also need this information to draft your proposal to creditors.

  • Personal & Financial Details: Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependants, creditor details (including the names of your creditors, reference numbers and balances) and your payment information. We need this so that we can decide which debt solution is appropriate for you so that we can draft and send a proposal to insolvency practitioners.

  • Income and Expenditure: Details of your financial position including all sources of income and your household expenditure. We need this so that we can assess the proposal to insolvency practitioners and select the best one for your needs.

  • Special Personal Data: In some circumstances, we may need to collect special personal data however we will not do so without express consent from yourself and we will only do so where it is necessary for the purposes of assisting with your financial situation.

  • Creditor Reference Agency Data: We will ask for your consent to obtain information from a credit reference agency to obtain information about your financial situation, including information about your creditors, their status, outstanding balances and account numbers. We will also use this information to confirm your identity and to comply with anti-money laundering legislation.


  • Your Creditors and their Representatives: Your personal data will be shared with your creditors, their agents, debt collectors, bailiffs and solicitors dealing with the debts. This is key to allow us to provide the service we have agreed to provide you and also ensures that we comply with our regulatory obligations.

  • The Insolvency Service: If your IVA is accepted then details about you and your IVA will be recorded on the Insolvency Register which is accessible by the public. The information we share includes your name, gender, date of birth and address. We have a legal obligation to supply this information.

  • Our Regulators: From time to time we may have to share your information with regulatory bodies. These include the Insolvency Practitioners Association, the Information Commissioners Office or any other regulatory body or authority who may request certain information as part of their supervisory role. We are under legal and regulatory obligations to provide this.

  • Solicitors: We may from time to time need to instruct solicitors to assist with the administration of your IVA or to assist us with legal, regulatory and contractual obligations.

  • IT Providers: We use third-party software companies to help manage your data. These include:

    • IPS, a case management system.

    • Secure Bank, a payment processor.

    • Telephone companies, so we can communicate with you.

    • The external printing company, who print correspondence that we send to you.

    • IPS, a case management system.



If you do not go ahead with any product or service with us, your personal information will normally be deleted after 12 months unless we have another reason to keep your personal information, for example, if you have given your consent to receive marketing information from us. We will delete your information sooner if you ask us to.


If you become our customer by entering a debt solution, we will keep your data to ensure that we provide you with our services and comply with our legal and regulatory obligations. Your data will be stored for 6 years from the date that we cease to provide you with our services. We cannot delete this data if you ask us to because we are required to keep it by law. We will delete your data after the 6 year period. After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.



We will only collect information that we actually need, or where we are required to collect the information to enable us to perform our legal, regulatory or contractual obligations necessary to provide you with the products or services, or where we have your permission.

This will likely include the collection of:

  • Your personal details (e.g. name, date of birth)

  • Address details

  • Contact details (e.g. phone number, email)

  • Special personal information* (e.g. health information)

  • Financial information

  • Employment information



Data protection law defines some personal information as “special categories of data”. This includes information about physical or mental health, sexual life, religious beliefs, race or ethnic origin, political opinions, trade union membership or biometric data. This information may be necessary to collect when understanding the reason for your financial circumstances, or where it may help us to provide a better service to you. For example, a period of ill health could have caused you to fall behind with your regular payments to your creditors.

When we need to collect and process this type of data about you, you give your explicit consent for us and any other third party to process this special data as set out in this privacy policy, unless we have a legal obligation to process this type of data.

Any personal information about you relating to criminal convictions or offences may only be used by us when authorised by law.



If you provide personal information about someone else, for example when a joint application is made, you must do so with the permission of the other person. If you enter into a service jointly with another person (e.g. linked Individual Voluntary Arrangements), your personal information and any other information about the service provided to you will be shared with the other person.

We will use personal information about the other person in the ways as described in this privacy policy.



We collect your information in a number of ways:

  • When you make an application or enquiry to us either by the mobile app, WhatsApp, phone, email, our website, by a third party or by any other means.

  • Information received from a third party, for example, a creditor providing information about an account you hold with them, or where you have previously agreed for your information to be shared with us, for example, if you have been introduced to us by another company.

  • When you participate in market research, competitions and promotions provided by us or on our behalf.

  • By adding reviews or interacting with us using social media such as Twitter or Facebook etc.

  • When you use online platforms, such as an online portal.

  • When we may need to obtain up to date information about you to meet our legal or regulatory obligations.

  • Where you have given permission for your information to be provided to us.





To help us understand you better and provide you with information about other products which may be suitable and relevant, we will use your personal information to create a profile of you and your circumstances. This allows us to provide more relevant, accurate and tailored services to you. For example, we may assess your income and expenditure to determine whether you would be eligible for a debt solution through us. We believe we have a legitimate interest to do this and that it is not against your rights.

However, if you don’t want us to profile your personal information in this way, to improve any marketing communications to you, you can contact us to let us know that you wish for your personal data not to be used in this way.



We may contact you to ask you to provide a review about the services you’ve received or to carry out market research which may help us design future products and services or to help improve our current services. Although this information would really help us, you wouldn’t be required to provide us with this information unless you were happy to. We consider that this is in our legitimate interests to contact you in this way for market research purposes.



We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations.



If you make an enquiry or complaint with us, we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.



As part of our legitimate interest to develop our business and our products we will use your personal information to assess our performance as a business and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis with third parties who provide us with services and where we have a contractual obligation to do so.


We may also share your personal information with the following organisations:


  • IT Service Providers who provide IT platforms or other IT services

  • Payment Service companies that process transactions for us (e.g. Direct Debits and card transactions)

  • Communication providers (e.g. telephone line providers, email and text service providers)

  • Printers who print the letters and information packs which we send to you

  • Advertisers and social media companies such as Facebook, Google and Twitter for our social media accounts or where we can contact you using your social media account


These companies help us to provide our services to you. We will have a contract in place with any provider who directly provides us with such direct services to ensure that they comply with their data protection obligations and ensure that they have appropriate security measures in place.

We may also share your personal information where we have your consent to do so or where we’re required to do so under a legal or regulatory obligation or court order, such as the police, local authorities or the courts.



The personal information we have collected from you may be shared with law enforcement agencies and fraud prevention agencies who will use it to prevent fraud, money-laundering and terrorist financing and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information is used by us, the fraud prevention agencies, and your data protection rights, can be found by contacting us through our website or emailing at



We use publicly available social media platforms to promote our services, to provide updates and to share any news and promotional updates. We may collect personal information from these social media platforms, for example, if you post a message on our Facebook page. By providing any of your information to us through these platforms you should be aware that:

  • The social media web pages are publicly available and you must not provide any personal or sensitive information on our pages that are accessible to the public, such as your account information. We may ask you for your account information via a private message to identify you and to service any request you make.

  • Each social media platform will process any personal information you provide through the platform and will be processed in accordance with its own privacy policy. The privacy policies are available to view on each social media platform.


We will only share your personal information outside the European Economic Area (EEA):

  • Where we have your consent.

  • To comply with a legal obligation.

  • Where we work with a business partner to enable us to provide you with our services and they process information outside of the EEA.

If we do share your information outside of the EEA we will make sure that it is protected in the same way as if it was being used in the EEA to ensure appropriate safeguards are in place. This may include putting in place a contract with the business partner that means they must protect the personal data to the same standards as the EEA (this may include defined model clauses), or only share the data to a business partner in a non-EEA country where the privacy laws provide the same protection as within the EEA or where they are part of a Privacy Shield.


We take the protection of personal information very seriously and we will take appropriate measures to maintain the confidentiality, integrity and availability of the information you have provided. Such measures include:

  • Company security policies and standards

  • Staff security awareness

  • Role-based and biometric access controls to prevent unauthorised access to the information

  • Encryption and anonymisation technology

  • Anti-malware technologies

  • Security monitoring

  • Security testing

  • Secure archiving and deletion

  • Compliance with industry regulation and legislation

How we may contact you about the products and services we provide to you


To help us keep you up to date about the products and services that we provide to you and to ensure that you’re kept fully informed, we may contact you by letter, telephone, email, text message, push notifications, social media or may send you messages by any online customer platforms or other electronic means.


If you start an application for a product or service through us we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.


If you do not want to be contacted in a particular way then you can request this at any time, but if we are providing a service to you, we do need to be able to send you communications. This can often be due to a legal or regulatory requirement.


It is important that you keep us up to date when you change your contact details to ensure that we use your up to date contact information.



You have the right to request from us a copy of the personal information that we may hold about you. This is often called a “Data Subject Access Request”. You can request this information by contacting us as set out below. We reserve the right to charge you to provide you with this information.

Before providing this information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that we’re only providing it where you have given your agreement.



If the personal information we hold about you is incorrect you have the right to request that we correct this.



You may request that your personal information is deleted or that we stop processing the information if we’re no longer entitled to process it. There may be occasions where we are unable to delete the data due to our legal or regulatory obligations. We will, however, discuss this with you if you request for your information to be deleted.



In some cases, you may be able to request for your information to be provided to you or to another company in a format that can be processed electronically by you or the other company. If you want to request this you’ll need to contact us.



Whilst you continue to be our customer, we will keep a record of your personal information to ensure that we provide you with the best service possible and where we’re required to keep your personal information to meet our legal and regulatory obligations. The product-specific information above sets out how long your personal information will normally be kept for. Telephone calls will be retained for at least 6 years from the date the call was made.


If you do not go ahead with any product or service offered by us, your personal information will normally be deleted after 2 years unless we have another reason to keep your data, for example, if you have given your consent to receive marketing or promotional messages from us.



If you have provided us with your consent or where we are legally entitled to do so, we may contact you to let you know about other offers, products and services that we provide which we think you may be interested or that may benefit you. We may do this through post, emails, text messages, telephone, push notifications, social media or other electronic means.


You can easily let us know at any time if you would no longer like to receive these messages. You can contact us using the details below, emailing us or unsubscribing using the link or information within the message.



When you visit our website or similar websites Google may use our advertisements to promote our products and services on other third-party websites you visit across the internet for remarketing purposes, including cross-device remarketing. Google and other third parties will use cookies to tailor advertisements for website users based on their previous visit to our website.


We do not have any control over the advertisements you see on other third party websites however you can request to opt-out or customise these advertisements by using the Google Ads Preference Manager



We may record some of the telephone calls you make to us or we make to you. This is for training, monitoring and quality purposes and to meet our legal and regulatory obligations. Some telephone calls may be observed by staff for training and development purposes.


We may keep a copy of the telephone calls for up to 6 years from the date the telephone call was made.



If you have any questions or queries about how we use your personal information you can contact us or our Data Protection Officer using the address below:


Data Protection Officer

Ambler House

Trevelyan Square



If you are not happy with how we process your personal information you should contact us in the first instance. If you’re not happy with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissioner’s Office. You can find their details on their website at


If you click on a link that takes you to a third-party website that is not ours we will not be responsible for how they use your personal data. You should read its own privacy policy to understand how they may use your personal data.




Any updates to this regulatory notice will be found on this page. If we make any important or significant changes to the way we may collect and use your personal information we will endeavour to notify you of this change. 


Freeze Debt Ltd is registered in England and Wales. Registered Number 11842271. Incorporated in England and Wales, with company number 11842271 and having its registered office at Ambler House, Trevelyan Square, Leeds LS1 6ED.  Freeze Debt Ltd is an Appointed Representative of Blackberry Finance Limited. Our Firm Reference Number is 840092. You can check these details on the register:

Jason Peter Bowen is Authorised to Act as an Insolvency Practitioner, in the UK, by the Insolvency Practitioners Association, IP Number 22150. All Insolvency services are provided in partnership with The Debt Resolution Service. The Debt Resolution Service is registered in England and Wales. Registered Number12692223 and having its registered office at Mills Hill Works, Corbrook Road, Chadderton, Oldham, OL9 9SD.


Freeze Debt provides insolvency solutions to individuals throughout the UK. 

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