Privacy Policy

LowerMyBills.co.uk (the “Website”) is brought to you by Experian Limited (company number 00653331) whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH. VAT registration no: GB 145 8990 25

LowerMyBills.co.uk is an unregistered trade name of Experian Limited.

Experian is part of a group of companies, whose parent company is Experian Group Limited which is listed on the London Stock Exchange (EXPN). For more information, visit the Experian Group Limited's website on www.experiangroup.com. The Experian Group Limited has its corporate headquarters in Dublin, Ireland, and operational headquarters in Costa Mesa, California and Nottingham, UK.

References to 'Experian' in this privacy policy are to Experian Limited.

The word 'Experian' is a registered trademark in the EU and other countries and is owned by Experian Ltd and/or its associated companies.

Experian is responsible for the processing of any personal information you provide to this site and is registered in the United Kingdom under the UK Data Protection Act 1998 (“the Act”).

What is our commitment to you?

While information is the foundation for providing you with superior service, protecting the privacy of your personal information is of highest importance to us. We believe that responsible stewardship of the information entrusted to us is crucial in developing and maintaining the public trust essential for our continued success. We are sensitive to your privacy concerns, and are committed to letting you know what information is being collected on our web sites, how the information is being used and what choices you have regarding the collection and use of the information.

All information supplied by you on the Website will be used and protected by us in accordance with current data protection law and this Privacy Policy. This Privacy Policy does not apply to any other products and services offered through other channels.

Please take a moment to review our privacy policy and feel free to contact us with any questions at help@lowermybills.co.uk

What types of information do we collect about you and how do we use or share this information?

All data provided by you relating to the provision of this service will be treated as personal data by Experian under the Act and all uses of that data will comply with Experian’s obligations under the Act.

Data you provide relating to yourself or any third party may be:

1. used by Experian to provide the service to you;
2. disclosed to lenders and brokers to provide the service requested;
3. used to supplement other databases within Experian group, any subsequent use of that data to comply with the requirements of the Data Protection Act 1998;
4. used by Experian group to provide services to clients;
5. disclosed to third parties who provide services to us;
6. disclosed by us if requested by regulators, law enforcement agencies or where required for legal proceedings;
7. used for fraud and money laundering purposes;
8. transferred to other countries including the United States and others outside of the European Economic Area. We will ensure that your data is and continues to be protected during any such transfer.

Specifically your contact data (i.e. address, e-mail, tel number etc):

1. may be used by us to provide the service and to get feedback on the service;
2. will be used by lenders / brokers to initiate contact with you;
3. used by Experian group for sending details of other products or services which may be of interest to you;
4. used internally when providing services to our clients;
5. disclosed to third parties running campaigns on our behalf;
6. disclosed to lenders or brokers providing or arranging for products similar to those you have selected.

Where applicable, information contained in your Credit Report or that of any financial associate (a person with whom you have an existing or declared financial relationship):

1. may be used to generate a score (when this forms part of our service).

When we use a score it:

1. will be passed directly to the lender or broker;
2. may be used in other Experian products or services where these are relevant to you or our clients;
3. may be used by Experian in conjunction with the information provided by you for analytical purposes.

Cookies

Cookies and similar devices such as web bugs may be used by us to provide you with information from our web site. A cookie is an element of data that a web site can send to your browser, which may then store it on your system. We use cookies to help us understand volumes of visitors looking at particular web pages and advertisements to help us determine how frequently particular pages are visited and to determine the most popular areas of our web site. Cookies may also allow us to make our web site more stable so that we can give you a better and more user friendly experience when you return to our web site, for example, allowing us to save your password so that you do not have to re-enter it every time you visit our web site. We do not use cookies to record other information on individuals. Most web browsers automatically accept cookies. You do not have to accept cookies and you should read the information that came with your browser software to see how you can set up your browser to notify you when you receive cookies, this will give you the opportunity to decide whether to accept it. If you chose to disable cookies you may not be able to access certain features of a particular web site.

Marketing options

All of our communications will give you the opportunity to unsubscribe.

How do we protect your information?

We restrict access to your personal data to those employees, and third parties, who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your personal data. Experian protects your information over the Internet by using secure web server technologies, which allows web browser programs (Netscape or Microsoft Internet Explorer) to interact with Experian's web server via an encrypted session. Experian employs a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and Experian. The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. When you visit the Web site you may move in and out of secured areas. Any time that you are on a registration page or viewing your personal credit report, you will be in a secured area.

Privacy policy changes

Our Privacy Policy will be reviewed and enhanced from time to time and you should check this page regularly to see our most up to date policy. If necessary we will inform you and obtain your consent about any significant changes to the policy.

Data transfers

Because we operate throughout the world in providing our goods and services, this may involve us transferring your personal information to countries whose data protection laws do not provide the same level of protection as those in the UK. If we do so, we will ensure that an agreement is in place in which anyone to whom we pass the information agrees to treat it with the same level of protection as if we were dealing with it.

Your rights to access your personal information

You have the right to receive information about the personal data we hold about you (for which we may charge a small fee). The statutory fee is currently £10.00.

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