Personal Data Management Customer Privacy Policy
Background
- Name: Personal Data Management Ltd
- Trading Name: IE Hub
- Registered Address: Tramshed Tech, Pendyris Street, Cardiff, CF11 6BH, United Kingdom.
- Email: customer.support@iehub.co.uk
- Website: https://www.iehub.co.uk
- Data privacy notice updated: 25/08/2026
1. Who are we
Our site is owned and operated by Personal Data Management Limited, a limited company registered in England under company number 11324154 and ICO number ZA378793.
We help you create a personal budget that you can use for your own records or choose to share with creditors or organisations who may assist you with payment plans or debt support.
We take data protection seriously and want you to understand how and why we use your information.
2. What personal data we collect
Depending on how you use our service, we may collect:
Personal details
- Your name
- Address and residency details
- Date of Birth
- Contact details (email, phone number)
- IP address, browser type and version
People you share finances with
- Their name and date of birth
- Children’s dates of birth (used to check potential benefit entitlement)
Employment and financial information
- Employment details
- Income and expenses
- Bank details (only where you choose to give these to a creditor to set up a payment plan - IE Hub does not store your bank login details)
Health information (special category data)
- Only the details you choose to provide
- Only shared with a creditor when you give explicit consent
Information received from others
We may receive:
- Your name and email address from organisations who invite you to use IE Hub
- Vulnerability information from the Vulnerability Registration Service (VRS), if you are registered with them and the creditor you choose to share with also subscribes
- Income/expense data through Open Banking (IE Hub does not see or store your bank login details)
3. How we collect your information
We collect data in the following ways:
- Directly from you when you create an account or update your budget
- From creditors or partners who invite you to use IE Hub
- From Open Banking, where you choose to use it
- From the VRS to help creditors understand your circumstances
Most data is provided by you directly.
4. What we use your data for
We use your information to:
Provide our service
- Create and manage your IE Hub account
- Allow you to build and update your budget
- Allow you to choose which creditors or organisations can access it
- Enable you to share your budget via OTP, Freepost or download
- Provide information on potential benefits or discount schemes
- Provide advice from FCA-regulated companies (if applicable)
- Enable you to access advice or support from FCA-regulated organisations, where applicable
Communicate with you
- Respond to your messages
- Send service updates
- Contact you (occasionally) to request feedback or a user survey
Optional services (your choice)
- Send marketing emails (only if you opt in)
- Share your budget with creditors (only when you choose to share it)
Service improvement and analytics
- Improve our website and tools
- Analyse anonymised usage patterns to understand affordability and debt trends (Only anonymised, non-identifiable data is used.)
5. Our lawful bases for processing your data
Under the UK GDPR, we rely on the following lawful bases:
Performance of a contract (Article 6(1)(b))
We use your personal, financial and account information so we can provide the budgeting tools and features you signed up to use.
Without this information, we cannot deliver the service.
Consent (Article 6(1)(a))
We rely on your consent when:
- You choose to share your budget or personal information with a creditor or organisation
- You provide health information and ask us to share it
- You opt in to marketing messages
You can withdraw your consent at any time by emailing customer.support@iehub.co.uk.
Legal obligation (Article 6(1)(c))
We may process or retain information where the law requires us to do so, for example for financial reporting, audit, or responding to a lawful request from a regulator.
Legitimate interests (Article 6(1)(f))
We use anonymised data to understand how IE Hub is used, improve our service, and support research on affordability and debt.
This data cannot identify you.
6. Special category data (health information)
If you choose to include information about your health in your budget, we will only share it with a creditor when you give explicit consent, as required under Article 9(2)(a) UK GDPR.
We do not ask for medical evidence.
If you do not want a creditor to see this information, please do not include it in comment boxes.
7. Who we share your data with
We share your information only when:
- You choose to share your budget with a creditor
- The creditor is part of the Freepost service (where applicable)
- You provide a One-Time Password (OTP) to a creditor while on a call with them
- An organisation invites you to use IE Hub and you submit an updated budget back to them
- You use Inbest, who receives anonymised data to calculate benefit and tariff entitlements
- You use Open Banking services, which are handled via third-party providers
We may also share personal information with trusted service providers who process information on our behalf, including providers of cloud hosting, communications, IT support, security and system monitoring services. These providers may only process personal information in accordance with our instructions and contractual data protection requirements.
If you choose to share your data with an organisation that operates outside the UK (e.g., through a group company or parent company), their overseas staff may access your information.
You remain in control - you can remove a creditor’s access at any time from within your account.
8. International transfers
If the creditor or organisation you choose to share with has offices outside the UK, your data may be accessed from that location.
Their own privacy policies will apply once data is shared.
Our core customer platform and customer data are hosted in the UK. Where we use a service provider that processes or accesses personal information outside the UK, we ensure an appropriate safeguard is in place in accordance with UK data protection law.
9. How long we keep your information
We keep the personal information held within your IE Hub account for a maximum of six years from the date you last access your account, unless an earlier deletion is required or requested by you.
Before we delete an account due to inactivity, we will contact you and give you 14 calendar days to log in. If you do not access your account within this period, your account will be added to our deletion process and permanently deleted within 72 hours, unless we are required to retain the information for legal, regulatory or contractual reasons.
If you ask us to delete your account, once we have verified and accepted your request, your IE Hub data will normally be permanently deleted within 72 hours.
If you have previously shared your budget with another organisation, you will need to contact that organisation separately if you want them to delete the information they hold. Other personal information, such as customer support correspondence, survey responses and records used to provide specific services, may have shorter retention periods. We only keep personal information for as long as necessary for the purpose for which it was collected and in accordance with our retention policy.
10. How we protect your information
We use a range of security measures to protect your data, including:
- Encryption
- Intrusion detection and prevention
- Access controls
- Secure UK-based hosting
We regularly test and review our security standards.
11. Your data protection rights
You have the following rights under UK GDPR:
- Access – to request copies of your personal data
- Rectification – to correct inaccurate or incomplete information
- Erasure – to ask us to delete your data in certain circumstances
- Restriction – to limit how your data is used
- Right to Object – to certain types of processing
- Data portability – to receive your data in a transferable format
You can exercise these rights by contacting dpo@iehub.co.uk.
We respond within one month.
12. How to contact us
Personal Data Management Ltd (IE Hub)
Address: Tramshed Tech, Pendyris Street, Cardiff, CF11 6BH, United Kingdom.
Email: customer.support@iehub.co.uk
Address: Tramshed Tech, Pendyris Street, Cardiff, CF11 6BH, United Kingdom.
Email: customer.support@iehub.co.uk
For rights requests: dpo@iehub.co.uk
How to complain
If you have concerns about how we have collected or used your personal information, you can make a data protection complaint by contacting us at complaints@iehub.org.
We will acknowledge your complaint within 30 days and investigate it without undue delay. We will let you know the outcome of our investigation and explain any action we have taken or intend to take.
If you remain unhappy with how we have handled your personal information or your complaint, you have the right to complain to the Information Commissioner's Office (ICO).
Information Commissioner’s Office
Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline: 0303 123 1113
Website: https://www.ico.org.uk
Helpline: 0303 123 1113
Website: https://www.ico.org.uk
