Privacy Policy
Your privacy matters to us. This policy explains how lavniralbeleon collects, uses, and protects your personal information when you use our budget consolidation services.
Information We Collect
When you engage with lavniralbeleon's budget consolidation services, we collect various types of information to provide you with personalised financial guidance and support.
Personal Information
- Your name, email address, and contact telephone number
- Postal address for correspondence and service delivery
- Date of birth to verify your identity and ensure appropriate service provision
- National Insurance number when required for financial assessments
Financial Information
To provide effective budget consolidation services, we collect details about your financial situation, including income sources, monthly expenses, existing debt obligations, and banking relationships. This information helps us create tailored consolidation strategies that work for your specific circumstances.
Technical Information
Our website automatically collects certain technical data through cookies and similar technologies. This includes your IP address, browser type, device information, and how you interact with our website to improve your user experience.
How We Use Your Information
lavniralbeleon uses your personal information exclusively to deliver budget consolidation services and maintain our relationship with you as our client.
Primary Purpose: We analyse your financial information to identify consolidation opportunities, negotiate with creditors on your behalf, and provide ongoing budget management support.
- Creating personalised budget consolidation plans based on your financial situation
- Communicating with your creditors and financial institutions during consolidation processes
- Sending you updates about your consolidation progress and important account information
- Providing customer support and responding to your enquiries
- Complying with legal obligations under UK financial services regulations
- Improving our services through analysis of client outcomes and feedback
We never sell your personal information to third parties or use it for marketing purposes unrelated to your budget consolidation journey with us.
Legal Basis for Processing
Under the UK General Data Protection Regulation (UK GDPR), lavniralbeleon processes your personal data based on several legal grounds depending on the specific purpose.
| Processing Activity | Legal Basis |
|---|---|
| Providing budget consolidation services | Contract performance |
| Communicating with creditors | Legitimate interests |
| Compliance reporting | Legal obligation |
| Service improvement analysis | Legitimate interests |
Information Sharing and Disclosure
lavniralbeleon shares your information only when necessary to deliver our services or when required by law. We maintain strict controls over who can access your data and for what purposes.
Service-Related Sharing
- Your creditors and financial institutions during consolidation negotiations
- Credit reference agencies when conducting affordability assessments
- Third-party payment processors for secure transaction handling
- Professional advisors including solicitors and accountants when required
Legal and Regulatory Sharing
We may disclose your information to regulatory bodies, law enforcement agencies, or courts when legally required. This includes compliance with Financial Conduct Authority requirements and response to valid legal requests.
All third parties we work with are contractually bound to protect your information and use it only for the specific purposes we've authorised.
Your Rights and Choices
As a UK resident, you have comprehensive rights regarding your personal information under data protection law. lavniralbeleon is committed to helping you exercise these rights effectively.
Access and Portability
You can request a copy of all personal information we hold about you, including details about how we've used it. We'll provide this information in a commonly used electronic format within one month of your request.
Correction and Updates
If any of your personal information changes or you believe we have incorrect data, you can ask us to update or correct it. This is particularly important for your financial information to ensure accurate service delivery.
Deletion Rights
You can request deletion of your personal information in certain circumstances, though we may need to retain some data for legal compliance or legitimate business purposes even after our service relationship ends.
How to Exercise Your Rights: Contact our Data Protection Officer at info@lavniralbeleon.com or write to us at our Sheffield office. We'll respond to your request within one month and provide clear information about any actions we've taken.
Data Security and Protection
Protecting your financial and personal information is fundamental to everything we do at lavniralbeleon. We've implemented comprehensive security measures to safeguard your data throughout its lifecycle with us.
Technical Safeguards
- Bank-level encryption for all data transmission and storage
- Secure servers hosted in UK facilities with 24/7 monitoring
- Multi-factor authentication for staff accessing client information
- Regular security audits and penetration testing by independent experts
- Automated backup systems with encrypted off-site storage
Organisational Measures
Our team receives regular training on data protection requirements and handling sensitive financial information. Access to client data is strictly limited to staff members who need it for their specific role in delivering your service.
While we maintain rigorous security standards, we also encourage you to protect your own information by using strong passwords and keeping your login details confidential.
Data Retention
lavniralbeleon retains your personal information only as long as necessary to provide our services and meet our legal obligations under UK financial services regulations.
| Information Type | Retention Period |
|---|---|
| Active client records | Duration of service relationship |
| Financial assessment data | 6 years after service completion |
| Correspondence records | 7 years for regulatory compliance |
| Website interaction data | 2 years from collection |
After these retention periods expire, we securely delete or anonymise your information unless we're legally required to keep it longer for specific regulatory purposes.
International Transfers
lavniralbeleon primarily processes and stores your information within the United Kingdom. However, some of our technical service providers may process data in other countries that provide adequate protection for personal information.
When we do transfer information internationally, we ensure appropriate safeguards are in place through standard contractual clauses approved by UK data protection authorities. You can request details about specific transfers by contacting our Data Protection Officer.
All international transfers comply with UK GDPR requirements and maintain the same level of protection your information receives within the UK.
Cookies and Website Technologies
Our website uses cookies and similar technologies to provide you with a better user experience and help us understand how people interact with our services.
Essential Cookies
These cookies are necessary for our website to function properly and cannot be disabled. They include security cookies that protect your session and functional cookies that remember your preferences during your visit.
Analytics Cookies
We use analytics cookies to understand how visitors use our website, which pages are most helpful, and where we can improve the user experience. This information is collected anonymously and helps us enhance our online services.
You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality.
Changes to This Policy
lavniralbeleon may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. We'll notify you of any significant changes through email or prominent notices on our website.
The current version of this policy is dated January 2025. You can always find the most recent version on our website, and we encourage you to review it periodically to stay informed about how we protect your privacy.
If you continue using our services after we post changes to this policy, you're accepting the updated terms. If you have concerns about any changes, please contact us to discuss your options.
Complaints and Concerns
If you have concerns about how lavniralbeleon handles your personal information, we want to hear from you. Our Data Protection Officer will investigate your concern and work with you to resolve any issues.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection regulator, if you believe we've not handled your information appropriately. However, we encourage you to contact us first so we can try to resolve your concerns directly.
- ICO Website: ico.org.uk
- ICO Helpline: 0303 123 1113
- ICO Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Contact Our Data Protection Officer
For any questions about this privacy policy or how we handle your personal information, please get in touch with our Data Protection Officer.
Email: info@lavniralbeleon.com
Phone: +44 151 708 4567
Post: Unit 14 Waterthorpe Greenway, Crystal Peaks, Sheffield S20 7PJ, United Kingdom