Privacy Policy

Privacy statement

At Protection Expert Limited, your privacy is extremely important. We process and maintain personal information in accordance with accepted principles of good information handling and the UK General Data Protection Regulation.

This statement is issued by Protection Expert Limited, registered in England and Wales under company number 14845040, with registered office at The Steam Mill, Chester, CH3 5AN.

Obtaining information

You may browse the Website without providing personal information. If you request a product or service, we may collect:

• Personal information such as your name, date of birth, marital status and dependants.
• Contact details including your address, telephone number and email address.
• Financial and employment information relevant to the product or service.
• Information you volunteer through an online, telephone or paper application.

If you provide another person’s details, including in a joint enquiry, you must have their permission to do so.

How we use your information

• To consider and progress your enquiry or application.
• To contact you in connection with your enquiry.
• To obtain references or information relevant to a product application.
• To create anonymous statistics for internal purposes.
• To improve the Website and our customer service.
• To meet legal, regulatory, fraud-prevention and record-keeping obligations.

Third parties

We may share information with carefully selected product providers, adviser firms, service providers, credit reference or fraud-prevention agencies when this is needed to provide the service you requested, assess eligibility, protect legal rights, or comply with the law.

If you have given consent, selected third parties may also provide information about products or services that may interest you. You can withdraw this consent at any time. We only work with parties we trust to apply appropriate security and confidentiality controls.

Methods of contacting you

Depending on the preferences and permissions you have provided, we may contact you by telephone, letter, email or other agreed channels. Marketing messages are only sent using methods for which you have given the relevant permission, and you may unsubscribe at any time.

Keeping your information

We keep information for as long as needed to provide the requested service, meet legal or regulatory duties, handle complaints or disputes, and maintain necessary business records. Transaction records may be kept for at least six years. Marketing contact details are retained while the relevant consent or other lawful basis remains valid.

Your rights

Depending on the circumstances, you may have the right to:

• Request access to personal data we hold about you.
• Have inaccurate or incomplete information corrected.
• Request deletion where there is no compelling reason to keep processing it.
• Obtain and reuse your data in a portable format.
• Restrict or object to certain processing.
• Withdraw consent where processing relies on consent.

To exercise your rights, contact the Data Protection Officer, Protection Expert Limited, The Steam Mill, Chester, CH3 5AN.

You may complain to the Information Commissioner’s Office at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, by calling 0303 123 1113, or through ico.org.uk.

Security and confidentiality

We use organisational and technical measures to protect personal information. Access is limited to employees and trusted contractors who need it for an authorised task, and information is shared only where appropriate security and confidentiality arrangements are in place. No system can be guaranteed to be 100% secure.

Links to other websites

The Website may link to other sites. We aim to link to reputable organisations but are not responsible for their privacy practices, content or services.

Telephone calls

Telephone calls may be recorded for training, monitoring, compliance and quality-control purposes.

Email marketing and aggregated information

With your consent, we may send information about goods and services that may interest you. Emails may contain technology that helps us understand whether our messages are relevant and effective. You can unsubscribe using the link in any marketing email.

We may use anonymous, aggregated information to understand and improve Website performance. This information does not identify individuals.