1. About our privacy notice
This notice tells you, as a StepChange client:
- What personal data we hold about you
- How and why we use that personal data
- Your legal rights
We recommend you read this notice so you can understand your data protection rights and how to manage them.
'Personal data' means any information that:
- Is about you
- And which can be used to find out who you are
In some cases this data could be more sensitive. It may be data that is private to you.
As a debt advice charity we often need to collect and use your sensitive data. We need to do this to provide a full and complete service. Find out more in Section 4.
We will also use your personal data to:
- Review and improve our service
- Collate data to campaign for change
- Find out how to make things better for you
- Meet our goals as a charity
We do not offer products or services to children
When we help you we may collect some personal data about children who live with you or who you are responsible for. We would only do this to make sure our advice is right for you. For example: We need to know how many people live with you when making your budget.
2. Who is responsible for your personal data?
StepChange is made up of three companies. Find out more about them.
The Foundation for Credit Counselling
Trading as StepChange Debt Charity and StepChange Debt Charity Scotland
123 Albion Street
- Registered In England no. 2757055
- Registered charity in England and Wales: 1016630, Scotland: SC046263.
- Authorised and regulated by the Financial Conduct Authority.
- ICO registration No. Z743192X
Consumer Credit Counselling Service Voluntary Arrangements Limited
Trading as StepChange Voluntary Arrangements
- Registered Office as above
- Registered in England no. 5659160
- ICO registration No. Z9690343
Consumer Credit Counselling Service (Equity Release) Limited
Trading as StepChange Financial Solutions
- Registered office as above
- Registered in England no. 6741879
- ICO registration No. Z1721238
These companies are all known as 'Data Controllers'. This means we are responsible for deciding:
- Why we collect data about you
- What data we collect
- How we use your personal data
- How we store your personal data
By law, we have to tell you this and share this privacy notice with you.
To provide our services, we may need to share data across our group.
Colleagues only have access to the data they need to do their job. We have controls in place to ensure this.
Our Data Protection Officer checks we are meeting the law and standards across the group.
Their contact details have been included in Section 12.
3. Where do we collect your personal data from?
In most cases, we will collect your personal data directly from you. This could be through our website, by email, over the phone or by letter.
We may also sometimes get data from other sources.
4. What information do we collect about you and why?
If you do not provide the information we ask for, we may not be able to help you. For example, we need information about you to:
- Give you debt advice that is right for you
- Start, end or change debt management plans
- Make applications for mortgages
- Make sure debt relief orders, IVAs and bankruptcy orders continue
By law, there are some times when we may have to use or share your data without asking you first. For example, to investigate a crime or if there is a court order making us do this.