- Definitions and Interpretation
What we do
2: Information About Us
2.1 Our Site is owned and operated by us.
2.2 The Debt Advice Service is a trading name of BHDB Associates Ltd.
2.3 Our Data Protection Officer can be contacted by email at email@example.com, by telephone on 01706 404143, or by post at Mills Hill Works Corbrook Road, Chadderton, Oldham, OL9 9SD.
2.4 BHDB Associates Ltd is registered under the Data Protection Act  with the Information Commissioner’s Office (the, “ICO”). ICO Fee Payer Register Number: ZA542533
2.5 We provide debt solution information in anticipation of the appointment of Jason Bowen who is authorised to Act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants of Scotland (ICAS). Licence no. 22150
3.2 By using Our Site, you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for analytical purposes only. For more details, please refer to section 4 below.
3.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:
3.3.1 Strictly Necessary Cookies
A Cookie falls into this category if it is essential to the operation of Our Site, supporting functions such as logging in, your shopping basket, and payment transactions.
3.3.2 Analytics Cookies
It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.
3.3.3 Functionality Cookies
Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalisation and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category.
3.3.4 Targeting Cookies
It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.
3.3.5 Third Party Cookies
Third party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).
3.3.6 Persistent Cookies
Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.
3.3.7 Session Cookies
Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.
3.5 For more specific details of the Cookies that We use, please refer to the tables below.
4: What Cookies Does Our Site Use?
4.1 The following first party Cookies may be placed on your computer or device:
|Name of Cookie||Purpose & Type||Strictly Necessary||Life Span|
|return_user||Checks for returned users to the site – it expires per session||Y||Expires at the end of each session.|
|__cfduid||Used by the content network, Cloudflare, to identify trusted web traffic.||Y||29 days|
|rc::a||This cookie is used to distinguish between humans and bots. This is beneficial for the web site, in order to make valid reports on the use of their website.||Y||Persistent|
|rc::b||This cookie is used to distinguish between humans and bots.||Y||Expires at the end of each session.|
|rc::c||This cookie is used to distinguish between humans and bots.||Y||Expires at the end of each session.|
4.2 Our Site uses analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
4.3 The analytics service(s) used by Our Site use(s) analytics Cookies to gather the required information.
4.4 The analytics service(s) used by Our Site use(s) the following analytics Cookies:
|Name of Cookie||Purpose & Type||Provider||Strictly Necessary||Life Span|
|_ga||This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site’s analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.||Google Analytics||No||
|_gid||This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visited in an anonymous form.||Google Analytics||No||
|_gat||Used by Google Analytics to throttle request rate.
|Google Analytics||No||1 day|
|NID||Registers a unique ID that identifies a returning user’s device. The ID is used for targeted ads.
|Google Marketing||No||6 months|
|_fbp||This cookie is set by Facebook to deliver advertisement when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website.||Facebook Marketing||No||3 months|
|fr||The cookie is set by Facebook to show relevant advertisements to the users and measure and improve the advertisements. The cookie also tracks the behaviour of the user across the web on sites that have Facebook pixel or Facebook social plugin.||Facebook Marketing||No||
|tr||Used by Facebook to deliver a series of advertisement products such as real time b id d in g from third party advertisers.||Facebook Marketing||No||Expires at the end of each session.|
5: Consent and Control
5.1 Before Cookies are placed on your computer or device, you will be shown a pop-up message at the bottom of the page requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended.
5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
5.3 The links below provide instructions on how to control Cookies in all mainstream browsers:
5.3.1 Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB
5.3.2 Microsoft Internet Explorer: https://support.microsoft.com/en-us/kb/278835
5.3.3 Microsoft Edge: https://support.microsoft.com/en-gb/products/microsoft-edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist)
5.3.4 Safari (macOS): https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB
5.3.5 Safari (iOS): https://support.apple.com/en-gb/HT201265
5.3.6 Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-Cookies-website-preferences
5.3.7 Android: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DAndroid&hl=en (Please refer to your device’s documentation for manufacturers’ own browsers)
7: Further Information
To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.