​Privacy policy

Thanks for visiting Freedom Debt (“Freedom”, “we”, “us” or “our”) respects your privacy. When it comes to your personal information, we believe in transparency, honesty, and placing you in control. That’s why, here, in our privacy policy, we describe what personal information we collect, what we do with it and your choices and rights.

By using any of Freedom’s Services, you confirm you have agreed to Terms and Conditions and read and understood this Privacy Policy and our Cookie Policy.

1.KEY TERMS

In our Privacy Policy, when we refer to “Users”, we mean our customers who use our Services, including visitors to our site, and users of our mobile application.  

2. HOW DOES THIS PRIVACY POLICY APPLY?

This Privacy Policy describes what we do with personal information that we collect and use for our own purposes (i.e., where we are a controller), such as your site traversal and information about how you use and interact with our services, app, and website. This also includes information you submit to our customer support.

We use cookies and similar technologies. Our Cookie Policy describes what we do in that regard.

3. PERSONAL INFORMATION WE COLLECT

We collect various personal information regarding you or your device. This includes the following:

Information you provide to contact us, specifically email address, first name and last name.

Your marketing preferences.

Information you share with us in connection with surveys, contests or promotions.

Information from your use of our services. This includes IP addresses, preferences, information about your browser, network or device (such as browser type and version, operating system, internet service provider, preference settings, unique device IDs and language and other regional settings), information about how you interact with our services (such as timestamps, clicks, scrolling, browsing times, searches, transactions, referral pages, load times, and problems you may encounter, such as loading errors).

Information we get from our partners to support our marketing initiatives, improve our services and better monitor, manage and measure our ad campaigns, such as details about when our partner shows you one of our ads on or via its advertising platform.

4. HOW WE COLLECT PERSONAL INFORMATION

We obtain personal information from various sources. We do this in three main ways:

You provide some of it directly (such as by registering for our app, contacting us through our site, or calling us).

We record some of it automatically when you use our services (including with technologies like cookies).

We receive some of it from third parties (like when you register for an account using a Third Party Service or when you make payments to us using our payment processor).

5. HOW WE USE YOUR PERSONAL INFORMATION

We use the personal information we obtain about you to:

Provision of the Services. Create and manage your Account, provide and personalise our services, process payments and respond to your inquiries.

Communicating with you. Communicate with you, including by sending you emails about your account and service-related announcements.

Surveys and contests. Administer surveys, contests and other promotions.

Promotion. Promote our Services and send you tailored marketing communications about products, services, offers, programs and promotions of Freedom and our partners and measure the success of those campaigns. For example, we may send different marketing communications to you based on your debt solution or what we think may interest you based on other information we hold about you.

Advertising. Analyse your interactions with our Services and third parties’ online services so we can tailor our advertising to what we think will interest you.

Customising the services. Provide you with customised services. For example, we use your location information to determine your language preferences or display accurate date and time information. We also use cookies and similar technologies for this purpose.

Security. Ensure the security and integrity of our Services.

Third-party relationships. Manage our vendor and partner relationships.

Enforcement. Enforce our Terms of Service and other legal terms and policies.

Protection. Protect our and others’ interests, rights and property (e.g., to protect our Users from abuse).

Complying with law. Comply with applicable legal requirements, such as tax and other government regulations and industry standards, contracts and law enforcement requests.

We process your personal information for the above purposes when:

Consent. You have consented to the use of your personal information in a particular way. When you consent, you can change your mind at any time.  

Performance of a contract. We need your personal information to provide you with services and products requested by you, or to respond to your inquiries. In other words, so we can perform our contract with you or take steps at your request before entering into one. For example, we need your email address so you can sign in to your Freedom Debt account.

Legal obligation. We have a legal obligation to use your personal information, such as to comply with applicable tax and other government regulations or to comply with a court order or binding law enforcement request.

Protecting you and others. To protect your vital interests or those of others. 

6. HOW WE SHARE YOUR PERSONAL INFORMATION

We share personal information in the following ways:

Affiliates. We share personal information with our affiliates when it is reasonably necessary or desirable, such as to help provide services to you or analyse and improve the services we or they provide.

Users.  We share with our Users data regarding usage by End Users of their sites. For example, we provide a User with information about what web page the End User visited before coming to their site and how their End Users interacted with their site. This is so Users can analyse the usage of their sites and improve their services.

Business partners.  We may share personal information with business partners. For example, we may share your personal information when our Services are integrated with their Third Party Services, but only when you have been informed or would otherwise expect such sharing.

Service providers. We share personal information with our service providers that perform services on our behalf. For example, we may use third parties to help us provide customer support, manage our advertisements on other sites, send marketing and other communications on our behalf or assist with data storage.

Process payments. We transmit your personal information via an encrypted connection to our payment processor.  

Following the law or protecting rights and interests. We disclose your personal information if we determine that such disclosure is reasonably necessary to comply with the law, protect our or others’ rights, property or interests (such as enforcing our Terms and Conditions) or prevent fraud or abuse of Freedom or our Users. In particular, we may disclose your personal information in response to lawful requests by public authorities, such as to meet national security or law enforcement requirements.

Business transfers. If we’re involved in a reorganization, merger, acquisition or sale of some or all of our assets, your personal information may be transferred as part of that deal.

7. YOUR RIGHTS AND CHOICES

Where applicable law requires (and subject to any relevant exceptions under law), you may have the right to access, update, change or delete personal information.

You can access, update, change or delete personal information (or that of your End Users) either directly in your Account or by contacting us at admin@freedom-debt.org to request the required changes. You can exercise your other rights (including deleting your Account) by contacting us at the same email address.

You can also elect not to receive marketing communications by changing your preferences in your Account or by following the unsubscribe instruction in such communications.

Please note that, for technical reasons, there is likely to be a delay in deleting your personal information from our systems when you ask us to delete it. We also will retain personal Information in order to comply with the law, protect our and others’ rights, resolve disputes or enforce our legal terms or policies, to the extent permitted under applicable law.

You may have the right to restrict or object to the processing of your personal information or to exercise a right to data portability under applicable law. You also may have the right to lodge a complaint with a competent supervisory authority, subject to applicable law. If you are subject to EU data protection laws, we suggest you lodge any such complaints with our lead supervisory authority:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number

Fax: 01625 524 510
Email: dataprotectionfee@ico.org.uk

Additionally, if we rely on consent for the processing of your personal information, you have the right to withdraw it at any time and free of charge. When you do so, this will not affect the lawfulness of the processing before your consent withdrawal.

Our Cookie Policy explains how you can manage cookies and similar technologies.

8. HOW WE PROTECT YOUR PERSONAL INFORMATION

While no service is completely secure, we have security measures put in place, keeping personal information safe. We maintain administrative, technical and physical safeguards that are intended to appropriately protect against accidental or unlawful destruction, accidental loss, unauthorized alteration, unauthorized disclosure or access, misuse and any other unlawful form of processing of, the personal information in our possession. We employ security measures such as using firewalls to protect against intruders, building redundancies throughout our network (so that if one server goes down, another can cover for it) and testing for and protecting against network vulnerabilities.

9. HOW WE RETAIN YOUR PERSONAL INFORMATION

We retain personal information regarding you or your use of the services for as long as your Account is active or for as long as needed to provide you or our Users with the services. We also retain personal information for as long as necessary to achieve the purposes described in this Privacy Policy, for example, to comply with our legal obligations, to protect us in the event of disputes and to enforce our agreements and to protect our and others’ interests.  

The precise periods for which we keep your personal information vary depending on the nature of the information and why we need it. Factors we consider in determining these periods include the minimum required retention period prescribed by law or recommended as best practice, the period during which a claim can be made with respect to an agreement or other matter, whether the personal information has been aggregated and other relevant criteria.

You may delete your Account by contacting us at admin@freedom-debt.org and Freedom will delete the personal information it holds about you (unless we need to retain it for the purposes set out in this Privacy Policy).

Please note that in the course of providing the services, we collect and maintain aggregated, anonymized or de-personalized information which we may retain indefinitely.

10. UPDATES TO THIS PRIVACY POLICY

We’ll update this Privacy Policy from time to time to reflect changes in technology, law, our business operations or any other reason we determine is necessary or appropriate. When we make changes, we’ll update the “Effective Date” at the top of the Privacy Policy and post it on our sites. If we make material changes to it or the ways we process personal information, we’ll notify you (by, for example, prominently posting a notice of the changes on our sites before they take effect or directly sending you a notification).

We encourage you to check back periodically to review this Privacy Policy for any changes since your last visit.  This will help ensure you better understand your relationship with us, including the ways we process your personal information.

11. HOW TO CONTACT US

If you have questions, comments or complaints about this Privacy Policy or our privacy practices or if you would like to exercise your rights and choices, please email us at admin@freedom-debt.org , or write to us at the address below:

Freedom Debt

Sunrise Money Limited
71-75 Shelton Street,

London, Greater London,

United Kingdom,

WC2H 9JQ

Sunrise Money Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 825959.
Licenced by the Information Commissioners Office under registration number ZA503179

The information contained within the website is subject to the UK Regulatory Regime and is therefore targeted at consumers based in the UK.

Freedom debt is an information-based service only, at no point do we give you advice on which debt solution is best. We provide you with information so you can make an informed decision on which solution fits your needs.

About Us

Freedom Debt is a registered trading name of Sunrise Money Limited, registered in England and Wales under company number 11645880, Registered Office: 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ

Sunrise Money Limited is authorized and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 825959.


Licensed by the Information Commissioners Office under registration number ZA503179

You can contact us via email on admin@freedom-debt.org.

Cookie Policy







You can choose our Cookies, either opt-out or opt-in when you visit our website. You can also change settings on your respective device to accept or reject TP cookies.

We might add or delete the type and number of cookies we use. We shall always update our cookies policy before implementing such changes. Please visit this page to see the type of cookies we are using.

What Are Cookies

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the site’s functionality.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately, in most cases, there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of this site. Therefore it is recommended that you do not disable cookies.

The Cookies We Set

Site preferences cookies

In order to provide you with a great experience on this site, we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences, we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third Party Cookies

In some special cases, we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.

As we sell products it’s important for us to understand statistics about how many of the visitors to our site actually make a purchase and as such this is the kind of data that these cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to monitor our advertising and product costs to ensure the best possible price.

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites. We will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

Terms and Conditions

Greetings! Welcome to Freedom Debt.

We advise you to carefully read and understand our terms and conditions before starting our services. The important things that you need to know about our services are explained in this section.

You accept our terms and conditions by using Freedom Debt website/app, and accept to follow them. You agree to use our services in lawful manner and legal purposes only.

You are restricted to use our services if you do not agree to the following terms and conditions:

1. Who are we?

Freedom Debt is a registered trading name of Sunrise Money Limited, registered in England and Wales (Company number 11645880). Our registered office is located at 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ. Freedom Debt is a credit broker firm regulated and authorized by the FCA (Financial Conduct Authority). We entered on the Financial Services Register under reference number: 825959. Licensed by the Information Commissioners Office under registration number ZA503179.

2. Acceptance of Our Terms and Conditions

All the visitors and users of our website accept our terms and conditions, cookie policy, privacy policy and accept to abide by them.

You are advised to immediately stop using our website and services if you do not agree to our terms and conditions. We have the right to block your access to our website and services in case if you fail to follow our given terms and conditions.

We deal with our clients directly and do not have any obligation to any other party in any case. In case if you are accessing our website and services on behalf of a friend or colleague, our obligation remains with our clients. You are in agreement with us as per the terms and conditions and we are not liable to be connected with any other agent/s or parties.

3. Modifications to the Terms and Conditions

Freedom Debt reserves the right to amend its terms and conditions by modifying this page from time to time. The modifications of our terms and conditions will become effective as soon as they are updated on this website. You will be acceptable of our modifications in terms and conditions by continuing to use the website after modifications are made.

4.    OUR RIGHTS


To operate effectively and protect the security and integrity of Freedom, we need to maintain control over what happens on our services.

4.1. Important Things We Can Do. We reserve these rights, which we may exercise at any time and in our sole discretion, and without liability or notice to you (except where prohibited by applicable law): (a) we may change parts or all of the services and their functionality; (b) we may suspend or discontinue parts or all of the services; (c) we may terminate, suspend, restrict or disable your access to or use of parts or all of the services; (d) we may terminate, suspend, restrict or disable access to your Account or parts, some or all of your solution; and (e) we may change our eligibility criteria to use the services (and if such eligibility criteria changes are prohibited by law where you live, we may revoke your right to use the services in that jurisdiction).

4.2. HTTPS Encryption. We may offer HTTPS encryption for our website. By using our site, you accept that this is suitable encryption and protection against any threats, and accept our services knowing this is the safeguarding in place. We do not limit our security to these measures.

5.    PRIVACY
Our Privacy Policy explains how we collect, use and share your personal information for our own purposes. Be sure to read it carefully, but note it is not part of this Agreement and can change. It is really important that you comply with data protection laws when using the services, such as when you collect others’ personal information or use cookies or similar technologies (including those we drop for you at your request, such as for web analytics). 

5.1. Privacy Policy. By using the services, you confirm that you have read and understood our Privacy Policy. However, it is not a contractual document and does not form part of this Agreement and we may change it from time to time.  

5.2. You Must Comply With Data Protection, Security And Privacy Laws. You agree and warrant that you are solely responsible when using services for complying with applicable data protection, security and privacy laws and regulations (including, where applicable, the EU General Data Protection Regulation and the EU e-Privacy Directive/Regulation), including any notice and consent requirements. This includes without limitation the collection and processing by you of any personal data, when you use the services to send marketing and other electronic communications to individuals and when using cookies and similar technologies on our site and application (including, in particular, those which we place for you at your request as part of the services, such as to undertake a debt solution for you).

5.3. Protect And Improve The Services. You agree that we may protect and improve our services through analysis of your use of the services, in anonymized, pseudonymized, de-personalized and/or aggregated form.

6. Who Can Use Our App and Website?

In order to use our Website and Services, you need to ensure that you are a resident of the UK with a minimum of 18 years’ age. The website should only be visited for personal use and not commercial use. The use of illegal and fraudulent activities on our website is strictly not allowed.

In case if our website is being used on behalf of someone else, the visitors are responsible to make sure that they review and accept our terms and conditions. You confirm that you are authorized to provide information for someone else.

7. Our Communication

We are authorized to contact you via SMS, telephone, post, and email about our products and services. However, you have the right to tell us that you do not wish to be contacted in either of the ways. You are advised to review our privacy policy in order to get more information.

You will need to read and accept the policies of our partners once you are directed to contact them. We are not liable to forward you their terms and conditions. We are not responsible for the communication you have with our partners as you are advised to review their communication policies available on the websites.

8. Rights of Intellectual Property

Freedom-debt.org is the licensee or the owner for the rights of intellectual property on this website and app Freedom Debt. All the content that is published on the site. All of our work is protected by global treaties and copyright laws. Freedom-debt.org reserved all such rights.

Visitors are allowed to print or download one or more page(s) from the Freedom-debt.org website for their personal use and can be used for creating awareness about our services to others. However, you are not allowed to modify digital copies or printed papers in any way. You are also restricted to take into account the use of video, photos, illustrations and graphics from our website as we reserve the rights for it. In case if you wish to use our content for reference purposes, you will need to acknowledge our website in an appropriate manner.

9. External Links in Our Website

If you use any of the weblinks from our website or leave our website for completing an application from our partners, you are strictly advised to read, understand and accept the terms and conditions of the website you are directed to. The external links in our website are provided to facilitate you, therefore, we have no control or accountability over the third-party resources and websites.

10. Your Information and Visit to LendShop.co.uk

Your personal information is taken into use by following our privacy policy. You allow us to use your information as per the privacy policy once you are visiting our website. We always provide accurate and true information on our website that is not misleading. If we are aware of any error in the website’s website information, we modify and fix it on priority. Freedom-debt.org does not guarantee accuracy or errors within the website due to the possibility of human errors.

11. Financial Information

We do not provide financial advice to visitors or clients. Our services are limited to introducing you to our partners that are lenders of financial services. You will need to contact a qualified and registered Financial Adviser if you need financial advice as we do not provide that service.

12. Our Liability

Freedom-debt.org is not accountable or liable for any potential loss for visitors and clients in the following scenarios:

If false, misleading or incomplete information is provided by you.

If the particular service that you applied for does not suit you.

Any possible damage or loss from lenders regarding what services you applied for

Loss caused by factors that are beyond the reasonable control

The above policies do not impact our liability for personal injury or death caused by our negligence. It also does not impact our liability for misrepresentation or fraudulent misrepresentation for fraud matters. Our liability includes but is not limited to the laws of FSMA (Financial Service and Market Act 2000).

13. Cyber Crime

Visitors are restricted from misuse Freedom-debt.org website by intentionally putting trojans, viruses, logic bombs worms or any other hacking, viruses or other offenses. Any attempt to gain control of the website, website’s server, database and computers of LendShop.co.uk will fall under cyber crime and should not be attempted. Anyone who attempts to do so will fall under the Computer Misuse Act 1990’s criminal offence. Such attempts will immediately be reported to the relevant authorities responsible for law enforcement. Your identity will be disclosed to the authorities for further proceedings. Your right to use our services will immediately be ceased.

We are not liable for any damage or loss caused by cyber attack or technological problems that may harm your device, program or data because of using our website. This website is owned by Pride Loan and we reserve complete rights.

14. Applicable Legal System

As we are a UK based service provider, our terms and conditions are governed by the English Law including the access and use of the Freedom-debt.org website. You accept our terms and conditions based on the jurisdiction of England and Wale’s courts.

15. General Agreement

English (UK) is the language used for the agreement of Freedom-debt.org with its customers and the same language will be used for future communications. If any particular point of our terms and conditions is found to be void or unlawful, it will be deleted from our website and should not impact the other terms and conditions.

16. How to Reach Us

If a visitor has any queries or questions about anything related to our website or services, we can be contacted by email by clicking here to submit a contact request.

You may also contact us by post:

Freedom Debt

Sunrise Money Limited

71-75 Shelton Street,

London,

Greater London,

The United Kingdom,

WC2H 9JQ

Last updated: 20/05/2020

Complaints

We are aimed at providing high quality services to our customers. We value and appreciate the feedback from our customers; their criticism provides us the opportunity to resolve the issues and complains of our customers if they are not satisfied with our services and products. The satisfaction of our customers is our first priority and we try our best to resolve their complaints in less amount of time.

We take all the required measures to satisfy our customers and fulfill their demands; following guide will explain procedures and measures that we use to resolve the problems and complaints of our customers. This guide will also explain the measures that our customers should take if their requests are not being fulfilled.

If the customers are having complaints

We request our customers to contact us if they are not satisfied or have some issues with services. Our customers can contact us by sending us a mail at  admin@freedom-debt.org  or writing at:

Complaints Department, Sunrise Money Limited, 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ

Customers should contact the concerned departments in the first place, to help us in the investigation and finding solutions to their problems.

We request our customers to provide us the following information to help us in dealing with their complaints:

First and last name, date of birth, address and contact number

Email and mobile number that is mentioned on their application (if required)

Complete details about the problem

Provide details about what measures do they want us to take

Photocopies of required documents

Normally, we take up to 28 working days to deal with customer complaints.

After resolving their complaints, we contact them through a letter or email and inform them that we have resolved their complaint and guide them about further steps that they need to take. We contact the customers and provide them the details of a concerned person who is responsible for dealing with their complaint, in case we not able to resolve their issues in the given time.

We can also ask for further details from our customers to understand their concerns. This information helps us in finding the root cause of the problem, after identification of a problem, we contact our customers and inform them about the progress in their complaints.

If due to any reason, we are not able to send the last response to our customers within a month, we inform them and explain to them why we are not able to resolve their issues and indicate them that we will contact them further. If there are some complications in the complaint, we inform our customers and keep them updated about the process of investigation.

If due to some reason we are not able to send a final response in two months, we will inform our customers about this delay in writing and provide them a time range during which they can expect a response from us. At this point, our customers can forward their complaint to the Financial Ombudsman Service, if they are not satisfied with our services.

The Financial Ombudsman Service

If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of the final response. You have the right to contact and complain to Financial Ombudsman Service if we are not able to satisfy you with our last response; we have provided the contact details of Financial Ombudsman Service below. We will send a copy of the Financial Ombudsman Service descriptive pamphlet with our last response. Apart from this, customers can get a copy from:

Financial Ombudsman Service, Exchange Tower, London E14 9SR
www.financial-ombudsman.org.uk

Or by Calling: 0800 023 4 567 – there are no charges for calls on this number

Or 0300 123 9 123 – call charges for this number are same as 01/02 numbers on average call charges

Or +44 20 7964 0500 for customers that are not the citizen of UK

European Online Dispute Resolution Platform

European Online Dispute Resolution Platform In relation to your complaint you can also request a review from the European Online Dispute Resolution platform:

http://ec.europa.eu/consumers/odr/
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