Last updated: 19 October 2026
This privacy policy explains how tion finance LLC (“we“, “us“, “our“), trading as Consolidate Credit (“Consolidate Credit“, “the Site“), collects, uses and protects your personal data when you visit [Consolidate Credit website URL] (the “Site“) or otherwise contact us.
Please read this policy carefully. By using the Site or submitting your details to us, you acknowledge that you have read and understood how we handle your information.
1. Important information about what we do
Consolidate Credit is a trading style of tion finance LLC, identified by Filing ID 2026-002109117, with its mailing address at 1309 Coffeen Avenue STE 1200, Sheridan, Wyoming 82801, USA.
We operate strictly as a non-advice introducer (lead generator) and do not directly provide financial advice, debt adjusting or debt counselling services. We are not a debt adviser, law firm, insolvency practitioner or lender, and we do not recommend or endorse any particular debt solution.
All enquiries and customer details collected on this website are securely passed to our UK partners. Our partners will contact you to discuss your circumstances and, where appropriate, provide your details to regulated debt advice solution providers
We may receive a marketing or introduction fee from our partner for introducing you to its services. We are not authorised or regulated by the FCA. We take our responsibilities around how we advertise our service and handle your data extremely seriously, and this policy sets out exactly what we do.
2. Who we are (the data controller)
The data controller responsible for your personal data is:
tion finance LLC
Filing ID: 2026-002109117
1309 Coffeen Avenue STE 1200
Sheridan, Wyoming 82801
USA
Trading as: Consolidate Credit / [Consolidate Credit website URL]
Because we are established outside the UK but offer our service to, and monitor the behaviour of, individuals in the UK, we are subject to the UK General Data Protection Regulation (“UK GDPR“) and the Data Protection Act 2018, in addition to any data protection laws that apply to us in the UAE.
ICO registration number: ZC278247
Data protection contact:
Email: privacy@consolidate-credit.co.uk
Post: tion finance LLC, 1309 Coffeen Avenue STE 1200, Sheridan, Wyoming 82801, USA
3. Personal data we collect
Depending on how you interact with us (web form, live chat, phone call, or email), we may collect:
- Identity data: title, first name, last name, date of birth
- Contact data: address, email address, telephone number
- Financial and debt data: approximate total debt, number and type of creditors, monthly income and outgoings, employment/benefit status, homeowner status, and similar information you give us so we can identify a suitable Partner
- Special category data: in some cases, information about your health (for example if you tell us about an illness, disability or mental health difficulty affecting your finances) may be collected where you choose to share it, or where it is needed to identify whether you may be a vulnerable customer. We only collect this with your explicit consent and use it solely to help match you with a Partner who can support your needs appropriately
- Technical data: IP address, browser type and version, device information, time zone setting, and other data collected via cookies and similar technologies (see our [Cookie Policy]([Cookie Policy URL]))
- Usage data: information about how you use our Site
- Marketing data: your preferences regarding marketing from us and our Partners, and how you heard about us
- Call data: if you speak to us by phone, calls may be recorded for training, quality and compliance purposes
We do not knowingly collect any more information than is necessary for the purposes set out in this policy.
4. How we collect your data
We collect data:
- directly from you, when you complete a form on our Site, use our online eligibility tool, request a callback, chat with us online, email us, or speak to us on the phone;
- automatically, through cookies and similar tracking technologies when you use our Site (see our [Cookie Policy]([Cookie Policy URL])); and
- occasionally from third parties, such as marketing/affiliate partners who have separately obtained your consent to pass your details to us for this purpose.
5. How and why we use your data, and our legal basis
| Purpose | Type of data | Legal basis under UK GDPR |
|---|---|---|
| To assess your circumstances and identify which Partner(s) may be able to help you | Identity, contact, financial | Consent (Article 6(1)(a)) |
| To pass your details to one or more of our Partners (named in section 6) so they can contact you | Identity, contact, financial | Consent (Article 6(1)(a)) |
| To process special category data about your health or vulnerability | Special category data | Explicit consent (Article 9(2)(a)) |
| To contact you about your enquiry, including by phone, SMS or email | Identity, contact | Consent / legitimate interests in responding to your enquiry |
| To send you marketing about our own service, where you have agreed to this | Identity, contact, marketing preferences | Consent (Article 6(1)(a)) and, for electronic marketing, the Privacy and Electronic Communications Regulations (PECR) |
| To improve and administer our Site, and keep it secure | Technical, usage | Legitimate interests (Article 6(1)(f)) |
| To record calls for training, quality assurance and complaint handling | Call data | Legitimate interests (Article 6(1)(f)) |
| To comply with legal and regulatory obligations, and to respond to the ICO or other regulators | Any category | Legal obligation (Article 6(1)(c)) |
| To establish, exercise or defend legal claims | Any category | Legitimate interests (Article 6(1)(f)) |
Where we rely on your consent, you can withdraw it at any time by contacting us at privacy@consolidat-credit.co.uk . This will not affect the lawfulness of anything we did with your data before you withdrew consent.
We do not use your personal data to make decisions about you based solely on automated processing which produce legal or similarly significant effects. Any matching of your details to a Partner involves a human review step.
6. Who we share your data with
We may share your personal data with:
- Our Partners — firms authorised and regulated by the Financial Conduct Authority (FCA) to give debt advice, and licensed insolvency practitioners. Partners receive your details only with your consent so that they can contact you, provide advice and, if appropriate, arrange a debt solution. We carry out due diligence on the Partners we work with, but once a Partner receives your details it becomes the data controller for its own use of your data, and its own privacy policy will apply. We encourage you to read the privacy policy of any Partner who contacts you.
- Service providers who help us run our business, such as website hosting providers, CRM and telephony providers, cloud storage providers, analytics providers and IT support providers, who process data on our behalf under contract and only in accordance with our instructions.
- Marketing and advertising partners, such as Google and Meta, where you have consented to marketing cookies (see our [Cookie Policy]([Cookie Policy URL])).
- Regulators, law enforcement and professional advisers, where we are required to do so by law, or to establish, exercise or defend our legal rights.
- A buyer, if we sell, transfer or merge parts of our business — in which case we will tell you before your personal data is transferred and becomes subject to a different privacy policy.
How we are paid. You do not pay us for our introduction service. Our Partners pay us a fee for each introduction we make. We do not sell your personal data to anyone else, and we only pass your details to a Partner with your consent, which we ask for before you submit your details.
8. Data retention
We keep your personal data only for as long as necessary for the purposes we collected it for, including to satisfy any legal, accounting or reporting requirements. As a general rule:
- If you do not proceed with an introduction to a Partner, we will delete or anonymise your data after 12 months, unless you have asked us to keep it for longer or we are required to retain it by law.
- If you are introduced to a Partner, we retain a record of the introduction and your consents for 6 years to meet our legal and regulatory record-keeping obligations, and to be able to demonstrate compliance if challenged.
- Call recordings are retained for 6 years, so that we and our Partners can evidence your consent and how your enquiry was handled.
9. How we protect your data
We use appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure or destruction, including encryption of data in transit, access controls, and staff training. While we take reasonable steps to protect your data, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
10. Your rights
Under UK data protection law, you have the right to:
- Access the personal data we hold about you;
- Rectify inaccurate or incomplete data;
- Erase your data in certain circumstances (“right to be forgotten”);
- Restrict our processing of your data in certain circumstances;
- Object to processing based on legitimate interests or for direct marketing purposes;
- Data portability — receive a copy of data you have provided to us in a structured, machine-readable format;
- Withdraw consent at any time, where we rely on consent; and
- Not be subject to decisions based solely on automated processing which have a legal or similarly significant effect on you.
To exercise any of these rights, contact us at privacy@consolidate-credit.co.uk. We will respond within one month, as required by law. We may need to ask you for information to confirm your identity before we can act on your request.
11. Marketing preferences
If you have agreed to receive marketing from us, you can opt out at any time by:
- clicking “unsubscribe” on any marketing email;
- replying “STOP” to any marketing text message; or
- emailing us at privacy@consolidate-credit.co.uk
If you opt out, we may still contact you to progress an enquiry you have already made, or where we are required to do so by law.
12. Complaints
We hope we never give you cause to complain, but if something has gone wrong, please tell us so we can put it right.
How to complain to us:
Email: privacy@consolidate-credit.co.uk
Post: tion finance LLC, 1309 Coffeen Avenue STE 1200, Sheridan, Wyoming 82801, USA
We will acknowledge your complaint within 5 working days, and aim to provide a full response within 8 weeks.
Please note: if your complaint relates to advice or a solution provided by one of our Partners (rather than to how we have handled your data or introduction), you should raise it directly with that Partner first, using its own complaints procedure. If you remain unhappy with the Partner’s response, you may be able to refer your complaint to the Financial Ombudsman Service.
Complaining to the regulator:
If your complaint relates specifically to how we have handled your personal data, and you are not satisfied with our response, you have the right to complain to the UK’s supervisory authority:
Information Commissioner’s Office (ICO)
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline: 0303 123 1113
Website: www.ico.org.uk
If you believe one of our adverts is misleading, you can also report it to the Advertising Standards Authority.
13. Children
Our Site and service are intended for adults aged 18 and over. We do not knowingly collect personal data from anyone under 18. If you believe a child has provided us with personal data, please contact us so we can delete it.
14. Changes to this policy
We may update this policy from time to time to reflect changes in our practices or for legal reasons. We will post the updated version on this page with a revised “last updated” date. Please check back periodically.
15. Contact us
If you have any questions about this policy or how we handle your personal data, please contact us:
Email: privacy@consolidate-credit.co.uk
Post: tion finance LLC, 1309 Coffeen Avenue STE 1200, Sheridan, Wyoming 82801, USA