Your principal rights under data protection law are:
13.1 the right to access your information
13.2 the right to rectification
13.3 the right to erasure where records are no longer required
13.4 the right to object to Processing where this use is based on our legitimate interests
13.5 the right to restrict processing
13.6 the right to complain to a supervisory authority
13.1 The right to access your information
You have the right to confirmation as to whether or not we process your personal data and, where we do, access to that personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, at your request, we will supply to you a copy of your personal data. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.
If your information has been passed over to our panel of lender/s you will need to contact them requesting the information they will hold about you.
13.2 The right to rectification
You have the right to have any inaccurate personal data that we hold about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.
If your information has been passed over to lender(s) on our panel you will need to contact them requesting them to correct any inaccurate information they may hold about you.
13.3 The right to erasure, where records are no longer required
In some circumstances you have the right to the erasure of your personal data without undue delay.
Those circumstances include:
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the personal data that we hold is no longer necessary in relation to the purposes for which it was collected or otherwise processed;
- you object to the processing under certain rules of applicable data protection law;
- the processing is for direct marketing purposes;
- the personal data have been unlawfully processed
However, there are exclusions of the right to erasure.
The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims.
If your information has been passed over to lender(s) on our panel you will need to contact them requesting to exercise your right to erasure, regarding the information they hold about you.
13.4 the right to object to Processing where this use is based on our legitimate interests
To the extent that we may contact you to keep you up to date with services that may be of interest to you and this is based on our legitimate interests to do so, you have the right to unsubscribe to this service at any time. Opting out of this will not affect the lawful basis for processing of your data before you opted out.
This does not automatically mean that we need to erase your personal data, and in most cases, it will be preferable to suppress your details. Suppression involves retaining just enough information about you to ensure that your preference not to receive future communications on products or services is respected.
If your information has been passed over to lender(s) on our panel you will need to contact them requesting to exercise your rights to object to any processing, regarding the information they hold about you and any other consent you may have provided to them over the use of your information.
13.5 The right to restrict processing
In some circumstances you have the right to restrict the processing of your personal data.
Those circumstances are:
- you contest the accuracy of the personal data;
- processing is unlawful but you oppose erasure;
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we no longer need the personal data for the purposes of our processing, but we require personal data for the establishment, exercise or defence of legal claims;
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you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data.
However, we will only otherwise process it, for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.
If your information has been passed over to lender(s) on our panel you will need to contact them requesting to exercise your right to restrict processing, regarding the information they hold about you.
13.6 The right to complain to a supervisory authority
If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection, the Information Commissioners office.
Information Commissioners Office Contact Details
You can call their helpline on 0303 123 1113 (local rate – calls to this number cost the same as calls to 01 or 02 numbers).
We would welcome the opportunity to investigate any complaint you have, you can do this by:-