For the purpose of the Data Protection Act 1998, the data controller is Financial Claims Made Simple Limited.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted using TLS technology.
The safety and security of your information also depends on you. Where we have given you a reference code for access to our online claims tracker, you are responsible for keeping this code confidential. We ask you not to share your code with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures implemented on your computer or mobile device.
We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we only authorise access to those employees who require it to fulfil their job responsibilities. Our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure our systems evolve as required.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our site, including information:
- By which you may be personally identified, such as name, postal address, e-mail address or telephone number (“personal information”)
- Information that you provide by filling in forms on our site.
- Records and copies of your correspondence (including e-mail addresses), if you contact us.
- Responses to surveys that we might ask you to complete for research purposes.
- Details of transactions you carry out on our site and in the provisioning of our service.
- Search queries and advertisements you used to connect with us.
- Your internet connection, the equipment you use to access our site and usage details.
How We collect this information:
- Directly from you when you provide it to us.
- Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies and other tracking technologies.
- From third parties, for example, our business partners.
- We may also record and/or monitor calls for quality checks and staff training. Such recordings may also be used to help us combat fraud.
You can change the settings/preferences of most browsers to provide choices in relation to how cookies are set on your device; you can choose to accept all cookies, or be notified when a cookie is set, or reject all cookies. You can also clear cookies which have already been set. Please note, however, that some parts of our website may not function properly or be available to you if you refuse to accept cookies.
If you are unsure how to change your browser settings we suggest using the “Help” function on your device’s toolbar to find instructions on how to do so.
Google Adwords, Analytics & Doubleclick by Google
- Google’s DoubleClick products provide ad management and ad serving solutions to companies that buy, create or sell online advertising.
- Data Collected: Anonymous (Ad Views, Analytics, Browser Information, Cookie Data, Date/Time, Demographic Data, Hardware/Software Type, Interaction Data , Page Views , Serving Domains), Pseudonymous (IP Address (EU PII), Search History, Location Based Data, Device ID (EU PII)), PII (Phone Number)
- Opt-out: https://www.google.com/settings/ads/onweb/
- Olark brings hassle-free live chat to our website so we can engage visitors on our website.
- Data Collected: Anonymous (Analytics, Page Views, Broad geographic location)
- Optimizely is a website analytics service for testing different website content. We implement Optimizely as a way to better understand how our website is used.
- Data Collected: Anonymous (Analytics, Browser Information, Interaction Data , Page Views ), Pseudonymous (IP Address (EU PII))
Social Media Platforms
Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are subject to the terms & conditions and the privacy policies held with each social media platform respectively.
Users are advised to use social media platforms wisely and communicate/engage upon them with due care and caution in regard to their own privacy and personal details. Neither this website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.
Shortened Links in Social Media
This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media account.
This website and its owners through their social media platform accounts may share web links to relevant web pages. By default some social media platforms shorten lengthy URLs [web addresses] (this is an example: http://bit.ly/zyVUBo).
Users are advised to take caution and good judgement before clicking any shortened URLs published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine URLs are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.
This website operates an email newsletter program, used to inform subscribers about products and services supplied by this website. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion. Some subscriptions may be manually processed through prior written agreement with the user.
Subscriptions are taken in compliance with UK Spam Laws detailed in the Privacy and Electronic Communications Regulations 2003. All personal details relating to subscriptions are held securely and in accordance with the Data Protection Act 1998. No personal details are passed on to third parties nor shared with companies / people outside of the company that operates this website. Under the Data Protection Act 1998 you may request a copy of personal information held about you by this website’s email newsletter program. A small fee will be payable. If you would like a copy of the information held on you please write to the business address at the bottom of this policy.
Email marketing campaigns published by this website or its owners may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the clicking of links within the email content, times, dates and frequency of activity [this is by no far a comprehensive list].
This information is used to refine future email campaigns and supply the user with more relevant content based around their activity.
In compliance with UK Spam Laws and the Privacy and Electronic Communications Regulations 2003 subscribers are given the opportunity to unsubscribe at any time through an automated system. This process is detailed at the footer of each email campaign. If an automated un-subscription system is unavailable clear instructions on how to un-subscribe will by detailed instead.
Information We Hold
We will hold and use the following details about you:
- your name, address, phone numbers, email address, date of birth, employment, banking and financial details;
- demographic and lifestyle information;
- information we receive when assessing your case, your credit application (including information collected from your lenders);
- details of the loans, mortgages, credit cards and overdrafts you have and have had and all transactions;
- details of when you contact us and when we contact you;
as well as any other information which we reasonably need to operate your case, make decisions about you or fulfil our regulatory obligations. We may keep details of any phone number(s) that you call us from and use them to contact you.
When we are managing your case, we may be given sensitive information such as medical information. We will hold and process this information to allow us to make decisions about your case.
References to personal information include all of the information above whether obtained from you, from a Credit Reference Agency or Fraud Prevention Agency, from the Internet or from any other source.
Information We Share
We will keep your personal information confidential and only share it with others for the purposes explained in this policy. We have trusted relationships with carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the security of your personal information and to use it only as permitted by us.
We may share information about you:
- with any firm, organisation or person we use to help us operate our business, to collect payments and recover debts or to provide a service on our behalf;
- with any firm, organisation or person in conjunction with whom we provide products and services;
- with any person who has told us and who we reasonably believe to be your parent, carer or helper where you are unable to handle your own affairs because of mental capacity or other similar issues;
- with any payment system we may use;
- with any person to whom we sell or transfer (or enter into negotiations to sell or transfer) our business or any of our rights or obligations under any agreement we may have with you. If the transfer or sale goes ahead, the transferee or purchaser may use your personal information in the same way as us;
- with regulatory and governmental authorities ombudsmen, or other authorities, including tax authorities, including those overseas, where we are requested by them to do so;
How We Use Your information
We will use your information to:
- search Credit Reference Agencies’ and Fraud Prevention Agencies’ records (including information from overseas);
- operate and manage your case and manage any agreement or correspondence you may have with us;
- carry out, monitor and analyse our business;
- contact you by email, letter, telephone or in any other way about our services, unless you tell us that you prefer not to receive marketing;
- to identify, prevent, detect or tackle fraud and other crimes;
- to form a view of you as an individual and to identify, develop or improve services that may be of interest to you;
- carry out market research, business and statistical analysis;
- provide information to independent external bodies such as governmental departments and agencies, universities and similar to carry out research; carry out audits;
- perform other administrative and operational purposes including the testing of systems;
- trace your whereabouts and recover any debt you owe us; and
- comply with our regulatory obligations.
Your data may also be used for other purposes for which you give your permission or where we are permitted to do so by law or it is in the public interest to disclose the information or is otherwise permitted under the terms of the Data Protection Act 1998.
Transfer Of Information
Transfer of Assets
As we continue to develop our business, we may sell or purchase assets. If another entity acquires us or all (or substantially all) of our assets, the personally identifiable information and non-personal information we hold about you will be transferred to and used by this acquiring entity. Also, if any bankruptcy or re-organisation proceeding is brought by or against us, all such information may be considered an asset of ours and as such may be sold or transferred to third parties.
Access To Your Information
Under the Data Protection Act 1998, you have a right to access certain personal records we hold about you. This is called a Data Subject Access Request, which you can make by writing to firstname.lastname@example.org. A £10 fee is payable.
Third Party Links
Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them.
Financial Claims Made Simple Limited