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.
| Flag Description | Explanation |
|---|---|
| Physical disability | A physical condition that affects a person’s mobility, physical capacity, stamina or dexterity. |
| Mental health | Someone who suffers from a condition causing serious disorder in a person’s behaviour or thinking. |
| Physical health | Someone who suffers from a condition that causes serious and life-limiting physical health issues. |
| Cognitive disorder | Someone who suffers from disorders that affect cognitive abilities, including learning, memory, perception and problem solving. |
| Lifecycle event | Life events that impact on decision making. |
| Gambling addiction | Gambling addiction. |
| Deceased | A third party can notify when an individual is deceased. |
| Financial difficulty | Someone who, due to their financial situation, is not sufficiently resilient to manage financial shock. |
| Financial capacity | 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. |
| Accessibility | 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. |
| Dyslexia | Someone with a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling |
| Loneliness/isolation | 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 |
| Unpaid Carer | Someone who cares for, and may act of behalf of, a family member, partner or friend. |
| Affected Other | Someone who is affected by another person’s actions – eg a family member or associate of someone suffering addiction, or mental health issues |
| Neurodevelopmental Disorders | Someone affected by ADD, ADHD, Autism etc |
