top of page

Privacy Policy

Privacy Policy

Solving Your Debts is a trading style of ACAP123 Ltd (Company registration number: SC650467). We are registered with the Information Commissioner’s Office (ICO) as a Data Controller under registration number ZA631088.

Who Collects Your Information?

ACAP123 Ltd is the primary Data Controller responsible for your information. If you engage with another organisation through our services (such as a regulated debt advice firm), they may also act as a joint or independent Data Controller. Your contract will confirm the relevant parties involved.

How We Receive Your Information

We may receive your information directly from you or from third parties acting on your behalf, such as:

  • Creditors, banks, legal professionals, credit reference agencies, healthcare professionals

  • Your appointed representatives (e.g., spouse or carer)

  • Law enforcement and regulatory bodies

  • ​

What Information Do We Collect and Why?

To deliver our services, we collect the following categories of personal information under the lawful basis of ‘contractual necessity’. Where required, we will request your explicit consent, particularly for special category data (e.g., health information) or marketing purposes.

​

Personal Identifiers: Name, DOB, ID documents - To identify and communicate with you - opt out available ❌

​

Financial Info: Income, expenses, bank statements, credit history, Required for debt advice or insolvency services ,opt out available ❌

​

Employment Info:  Job title, income, employment status, To assess eligibility for debt solutions, opt out available ❌

​

Life Info: Marital status, dependents, household details, To calculate affordability, opt out available ❌

​

Health Info: Disabilities, mental health conditions,To assess vulnerability and support needs

opt out available ✅

​

Website Data: IP address, browser info, cookies,To improve user experience opt out available ✅

​

We may collect information via cookies and analytical tools (e.g., Google Analytics). Cookies are text files used to monitor user behaviour on our website. You may opt out via your browser settings or by using our cookie banner.

For more information:

​

Third-Party and International Data Sharing

To fulfil our contractual services, we share your information with regulated debt advice providers:

  • Lawson Fox

  • Fresh Start UK

  • The Debt Advice Service

  • MoneyPlus Group

​

We may also share your information with vetted external service providers for auditing, printing, compliance monitoring, marketing, or technical support. Some providers may operate outside of the UK. In such cases, appropriate safeguards (e.g., Standard Contractual Clauses) are in place to protect your data.

We may also disclose your data when required by law to:

  • The police

  • Regulatory bodies

  • Government agencies

​

Your Rights Under UK GDPR

You have the following rights:

  • Access: Request a copy of the data we hold about you (free of charge unless excessive)

  • Rectification: Ask us to correct inaccurate or incomplete information

  • Erasure: Request deletion of data where it is no longer necessary or you withdraw consent

  • Restriction: Ask us to limit how we use your data in certain circumstances

  • Data Portability: Receive your data in a structured, commonly used format

  • Withdraw Consent: Opt out of marketing or special category processing at any time

To exercise your rights, contact us using the details below. We will respond within one month (or two months for complex requests).

​

How Long We Keep Your Data

We retain your data for:

  • The duration of our service relationship

  • Up to six years after closure, to comply with legal and regulatory obligations

Once the retention period ends, your data is securely deleted.

How We Protect Your Information

  • All personal data is securely stored

  • Physical and cyber security measures are regularly tested

  • Documents may be scanned into secure systems

If there is a personal data breach, we will:

  • Notify the ICO within 72 hours (as required by law)

  • Notify you promptly if your rights or freedoms are at high risk

​

Marketing Preferences

If you consent, we may contact you about relevant products and services. You can opt out at any time by contacting us.

We will not share your personal details for marketing purposes outside of the Solving Your Debts group without your explicit consent.

You will still receive necessary service-related updates, such as account notifications and regulatory information.

​

Contact Us

If you have any questions or wish to exercise your data rights, contact:

Email: info@solvingyourdebts.com
Phone: 0141 264 2786
Post: Compliance Department
Clyde Offices, 2nd Floor
48 West George Street
Glasgow, G2 1BP
United Kingdom

​

How to Complain

We encourage you to contact us first if you have any concerns. You also have the right to complain to the Information Commissioner’s Office (ICO):

Website: www.ico.org.uk
Phone: 0303 123 1113
Address:
Information Commissioner’s Office
Wycliffe House, Water Lane
Wilmslow, Cheshire
SK9 5AF

​

Changes to this Privacy Notice

If we make any significant changes to how we use your personal information, we will notify you at least 14 days in advance. You have the right to refuse these changes, which may impact our ability to continue providing our services.

bottom of page