Personal Information We Collect

Personal information is any information about an individual from which that person can be identified. It does not include data which has been anonymised.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Contact information: Name, current and previous addresses (including postal, email and IP addresses) and telephone numbers.

• Identity Data: includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.

• Financial Data: includes information on your financial circumstances, the lenders or financial institutions used by you, the financial products you have taken out and the details and status of those financial products.

• Usage Data includes information about how you use our website, products and services. This may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system.

• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

• Special Category Data: We will only process special category data where you have provided this to us and given your explicit consent to store it or we have a legal/regulatory obligation to. This includes race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.

This list may not include all the information we require when providing our service/s. The information we ask you for will relate to your specific enquiry and will only consist of the information we need to carry out our service. If you contact us other than via our website, we may keep a record of that correspondence and a copy of call recordings.ssss

Method of collection

Direct interactions: By you filling in forms on our website or social media or by corresponding with us by post, phone, email or otherwise.

The basis on which we process your information

The legal grounds for processing your personal information depend upon the nature of our relationship with you and the context of processing and are as follows:

• Processing is necessary for the performance of a contract with you, or to take steps prior to entering into a contract with you.

• Processing is necessary for the purposes of your legitimate interests or our legitimate interests, where your fundamental rights and interests do not override those interests. In order to determine this we shall undertake a Legitimate Interests Assessment and balancing test.

• Processing is necessary for compliance with mandatory legal or regulatory obligations to which we are subject

• Processing is undertaken after you have given us your express consent.

What we use your personal information for

We collect/store or use your information to…

• Provide the service you have requested - Legal basis: Contract

• Send to our partner claims management companies, financial advice firms, solicitors/law firms or insolvency firms - Legal basis: Consent/Contract/Legitimate Interests

• Send to our service provider/contractor partners - Legal basis: Contract and/or Legitimate Interests

• Contact you where you fail to fully complete our online form - Legal basis: Legitimate Interests

• Enforce or apply our terms and conditions and/or other agreements - Legal basis: Legitimate Interests

• Send you information or marketing about our products and services - Legal basis: Legitimate Interests and/or Consent

• Provide annual statistics to our regulator - Legal basis: Legal obligation

• Resolve complaints against us or the establishment, exercise or defence of legal claims - Legal basis: Legitimate Interests and/or Legal Obligation

• Gather feedback to enable us to improve our website, products and services - Legal basis: Legitimate Interests

• Verify your identity where we receive requests to access or change the information we hold about you - Legal basis: Legal Obligation

• Maintain our accounts and records - Legal basis: Legal Obligation

• Comply with legal and regulatory obligations - Legal basis: Legal Obligation

• Research and analyse trends to better understand how users are using our website and services in order to improve them - Legal basis: Legitimate Interests

• Inform you about changes in our services and important service related notices, such as security and fraud issues - Legal basis: Legal Obligation

• Maintaining insurance coverage, managing risks, or obtaining professional advice - Legal basis: Legitimate interests and/or Legal Obligation

Providing your personal data to others–

To carry out our service we may disclose your data to one or more of our partner claims management companies or law firms, including (but not limited to) (list law firms), who assist us in assessing whether you may have a claim and what potential options are available to seek compensation/redress. Each such third party will act as a data processor in relation to the data that we supply to it in performance of the service we are providing you. However, should you ultimately instruct one of our third-party partners to make a claim on your behalf, that third party will then become the data controller and at that point will supply you with a copy of its own privacy policy, which will govern that third party’s use of your personal data from the point where they become the data controller.

We may disclose your data to one or more of our selected third party claims management companies, financial advice firms, solicitor/law firms or insolvency firms, upon your consent to do so, for the purpose of enabling them to contact you so that they can offer, market and provide relevant services to you. Each such third party will act as a data controller in relation to the data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party’s use of your personal data.