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