When someone registers with us they can choose to be pre-declined for financial service applications, or they can simply add a ‘referral flag’ to let organisations know of their circumstances. When the organisation sees one of these flags, they can take those circumstances into consideration.
We have a range of flags to choose from, and it’s entirely up to you whether you want to give this information when you register.
|A physical condition that affects a person’s mobility, physical capacity, stamina or dexterity.
|Someone who suffers from a condition causing serious disorder in a person’s behaviour or thinking.
|Someone who suffers from a condition that causes serious and life-limiting physical health issues.
|Someone who suffers from disorders that affect cognitive abilities, including learning, memory, perception and problem solving.
|Life events that impact on decision making.
|A third party can notify when an individual is deceased.
|Someone who, due to their financial situation, is not sufficiently resilient to manage financial shock.
|Someone who lacks the knowledge, skill to make appropriate decisions about their finances.
|Risk of Coercion
|Someone at risk of being persuaded to do something by using force or threats.
|Someone who requires information in a particular medium, or doesn’t speak English as a first language, for example.
|Sight – Blindness
|Someone has a corrected vision of 20/200 in their best-seeing eye
|Sight – Partial sight
|Someone who is not completely blind but are able to see very little
|Hearing – Deaf
|Someone who has a severe hearing problem
|Hearing – Partially deaf
|Someone with quite a lot of useful hearing but still needs a hearing aid or a cochlear implant to help them hear well
|Low level of literacy
|Someone who may not be able to read to an average level
|Low level of numeracy
|Someone with poor understanding of how maths is used in the real world and ability to apply it to make the best possible decisions
|Limited technological capability
|Someone with low level capabilities which equip someone to live, learn and work in a digital society.
|Someone with a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling
|Someone with the distressing feeling of being alone or separated, or the lack of social contacts and having few people to interact with regularly
|Old age (increased chance of cognitive or physical impairment)
|In the UK, 65 years of age has traditionally been taken as the marker for the start of older age
|Addiction to alcohol or drugs
|Someone who does not have control over what they are doing, taking or using, to the point where it could be harmful to them.
|Victim of Fraud
|Someone who has previously been a victim of fraud