What data do we hold about you?
We hold the personal information and data (“the data”) provided by you during the voluntary application process to tailor our service to your specific interests and requirements. We only hold your data where you have completed an application form and you should take great care at all times.
Where is your data stored?
Moneymatchmaker.com is the registered data controller for the purposes of the Data Protection Act 1998. We hold all data provided by you securely and in confidence in our computerised records. You have a right to inspect the data we hold about you. If at anytime you wish to do so, you should write to our Data Protection Compliance Officer at the address in our contact details and then inform us straightaway of any inaccuracies in the data we hold.
How do we use your data?
The nature of our service means that in addition to providing products and services directly to you, we share your data with partners who provide the products and services that you request. For instance, if you want to apply for a particular product or simply require more information about it, we may pass your relevant data to the product provider to fulfill your request.
Occasionally, we may also contact you by phone, e-mail or otherwise to inform you about products and services which may be of interest to you. However, if you prefer to opt out of such “direct marketing” activity, please contact us and we will remove you from our contact database. However, please remember that by opting out, we will not be able to contact you about products or services that may benefit you.
We also extract certain information from your data for the purpose of generating statistics but it is not possible to identify you from these statistics.
We may use your personal information:
- to enable you to access and use this website;
- for research, such as analysing market trends and customer demographics;
- to communicate with you, including some or all of the following:
- sending you information about products and services which we think may be of interest to you – this may include new product launches, newsletters and opportunities to participate in market research;
- sending you a confirmation email – when you request information, you will automatically be sent confirmation by email or SMS so that you have a record of your enquiry in the future. This is a standard part of our services and by using the Moneymatchmaker.com website you agree to receive these communications;
- to process a transfer of information between you and a third-party provider;
- to search the websites of third party providers in order to obtain details of the best quotes available to you;
- to match your data with data from other sources – we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and well-organised as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our services continue to be as personalised and focused as possible;
- to enable you to share our website content with others, e.g. by using any ‘Email a friend’ or ‘Share this’ functionality on our Sites.
Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.
Who do we share your information with?
When you use any of our Services, you consent to us disclosing your personal information to the following parties:
- other members of the Moneymatchmaker Group.
- the Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring;
- trusted third parties but only where you have opted in to allow us to do so and where we believe their products, services or other offers may interest you.
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
- if required or permitted to do so by law;
- if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
- if necessary in connection with legal proceedings or potential legal proceedings; and/or
- in connection with the sale or potential sale of all or part of our business.
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
Who might We or our providers share your information with?
Some of our providers or future suitable chosen providers by us, will use your personal information to assess your circumstances and verify the information that you have provided before providing a quote or information to you. Some providers may carry out checks with fraud prevention and credit reference agencies, both when you first run your quote and at renewal (insurers generally run these checks to ensure that they and credit providers have the necessary facts to assess your insurance risk, verify your identity, help prevent fraud and to provide you with their best premium and payment options). If providers do these checks, they will be quotation searches only, but will be visible to other organisations. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with insurers in order to determine your status.
This information exchange allows providers to verify the information that is provided during the referral process (including information about any third party who is named), and also helps to detect fraudulent claims. Providers may also share information with insurance underwriters.
What are “cookies” and how do we use them?
How do we keep your data secure and confidential?
We use encryption and authentication procedures to protect your sensitive data. In addition, our staff has a personal responsibility for maintaining user confidentiality. We provide training and education to all our staff to remind them of their obligations, which are fully supported by our internal policies and procedures. We only pass data to third parties where the security and confidentiality of your data is assured.
E-mail addresses are required in order to make applications for some features on the website. Occasionally, we will send you special e-mail newsletters and flyers that keep you informed of special offers and new developments within the company.
In each e-mail we send, there are normally instructions that allow you to “unsubscribe” to this service should you not wish to receive e-mails in the future.
If you call us or we call you, we may record or monitor telephone conversations to provide additional security, resolve complaints and improve our service standards. Calls may also be monitored for staff training purposes.
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