You have certain rights in relation to your data, including the right to object to processing based on legitimate interests, profiling (including the use of custom and lookalike/similar audiences), and direct marketing. At any time, you can exercise your rights by emailing us at email@example.com. For further details about our processing and your rights, please see below.
Our site enables people to request quotes or information for the product or service shown or selected on this site (the “Product”).
The service that our site provides is to connect people who are looking to purchase the Product with relevant providers of the Product (“Service Providers”).
If you’d like to request and receive quotes or information for the Product (“Quotes”), please complete and submit our webform.
Once we’ve received your request, we’ll connect you with one or more relevant Service Providers. We’ll tell the Service Providers who you are, and your Product requirements and they’ll then contact you directly with your requested Quotes.
For certain products, before connecting you with relevant Service Providers, we may call you to confirm your details or requirements.
You’ll see on our webform that we have a really clear consent statement. This statement sets out the Service Providers that will contact you.
You can choose which Service Provider to buy from. But you don’t have to buy from any of them. There’s no obligation to purchase.
We don’t work with any Service Providers until we have a legal contract in place. This is to ensure that they respect your data and rights by keeping your data secure and confidential, limiting their use of your data (i.e. to providing you with the requested Quotes), and not sharing your data with anyone else.
Expert Market is a brand of Marketing VF Limited (“MVF”, “we”, “us”, “our”) is a company registered in England and Wales (company number: 06951544), whose registered office address is at Imperial Works, Perren Street, London NW5 3ED, United Kingdom.
For the purposes of the General Data Protection Regulation (the “GDPR”), Marketing VF Limited is the controller in relation to your data. We are registered as a controller with the UK Information Commissioner’s Office (ICO) under registration number Z1995728. You can confirm our registration here: www.ico.org.uk
In relation to regulated products only, and our service in relation to the same, we are an Appointed Representative of Resolution Compliance Limited. You can confirm our UK Financial Conduct Authority (FCA) status, including the EEA passporting rights that we hold, here: www.fca.org.uk
Before confirming what data we collect, and why, here’s what we definitely don’t do with your data, unless clearly set out in this notice:
If you complete our webform in order to request Quotes, it will ask you for your contact details, such as your name, email address, telephone number, postal address, and/or postal code.
Our webform will also ask for information regarding your product requirements.
From time to time, we change our webforms, and so they may ask you for other information. It will always be clear from the webform what information we’re requesting, and we only request information that is relevant to your request, and the service that we’re providing.
We also store and share Internet Protocol (IP) addresses, as explained below. Every computer or device has an IP address – a unique number – which enables it to communicate with other computers and devices over the Internet.
We may monitor and/or record calls between you and us for the purposes of quality control and staff training. Also, occasionally, we may need to provide Service Providers with limited access to such recordings in order to resolve disputes.
When you visit our site, we will do our best to provide you with the information you are looking for. This will mean that, sometimes, we may ask you for your name and email address (via a pop-up box on our site) so that we are able to send you more information about the products or services that you have shown an interest in. You are not required to submit this information to us and, if you change your mind, you can opt-out at any time by clicking the unsubscribe link in the email.
If you choose to download and use our app, to enhance your experience we may collect some additional information. We do this by using a tracking tool that collects your online identifier, geolocation, device specification, Google advertising ID and other behavioural data relating to the use of our app.
Additionally, we might collect data about you if you:
We use your data (described above) in the following ways.
As explained above, if you submit our webform, we’ll pass your request to one or more relevant Service Providers (named on the consent statement). We will do this in a secure way. For example, using HTTP Secure (HTTPS), which means the data is encrypted. The Service Providers then contact you directly with your quotes. They may contact you by telephone, text/SMS or email.
Before we pass your request to any Service Providers, our service may involve an element of automated decision-making. Our technology platform may automatically assess your Product requirements and pass your request to such Service Providers that would like to receive requests for Quotes at the time your request is made.
We store IP addresses in order to stop unwanted traffic (i.e. spam) to our site. For example, if we become aware that spam is coming from a particular IP address (i.e. computer or location), we can block that IP address. From time to time, we also share IP addresses with Service Providers to enable Service Providers to verify that requests for Quotes have come from a particular country.
Some Service Providers may pass your data to third-party credit check agencies as part of your application for specific financial products, and you will be made aware of this in the consent statement.
If you start but don’t complete one of our webforms, we may email you to remind you to complete that webform. We will only store data inputted by you in a partially completed webform for two hours from when you leave the webform. If you don’t return to the webform to complete and submit the form in two hours, we will permanently delete the data you’ve inputted.
For certain products, before connecting you with relevant Service Providers, we may call you to confirm your details or requirements.
We may also call you to ask about your experience using our site and service, and dealing with the Service Providers with which we connected you.
To email you about similar products and services – But only if you haven’t opted out of such emails
If you use our quote request service, then, as an existing user, we would like to email you, or send you text/SMS messages, about similar products and services for which we think you might like quotes or information (“Other Products”).
You will always be given an opportunity to opt-out of such messages before we send them, and we will not send such messages if you have opted out.
We like to work with Facebook, Google, and other platforms (“Platforms”) to reach out to you with adverts for Other Products. We also like to use Platforms to reach out to other people who might like to use our quote request service.
We do this in two ways. In both cases, your data, along with other data, is used to create a custom audience and/or a lookalike/similar audience. Whenever an audience is shared with a Platform, the data is first hashed and pseudonymised, meaning that any data within the audience that could identify a person is replaced with an artificial identifier. So, the process is secure. Also, we don’t share more data than we need to for the purpose of creating the audience.
As we explain below, at any time, you may object to such activity by emailing us at firstname.lastname@example.org.
We work with a third party supplier, Contact State so that we can pass on your request to our Service Providers correctly. Contact State provides lead validation services to our Service Providers. Contact State receives de-identified data from us about your request. 'De-identified' means that they are unable to establish your real-world identity from the data they receive from us. We do not provide them with any access to any contact information, which could be used by them to identify you as an individual person. Contact State uses that de-identified data to indicate to us the likelihood that your request has been submitted by a 'real' human and not a robot, or automated request generator. They do this by examining a 'browser fingerprint' associated with your request – it contains, for example, details of the model of device you are using, your internet browser, and the region from which you submit your request.
Contact State is based in the UK and will not store your de-identified data outside the UK and European Union. If you do not want us to pass your de-identified data to Contact State, please contact us by emailing email@example.com. You can find out more about how Contact State uses this data here – https://www.contactstate.com/legal/prospect-notice.
We may use data collected in our app to better understand how you interact with our content and track the relevance of our marketing campaigns to your interests. Our tracking tool will provide valuable insight into where downloads of the app have originated from.
From time to time, Service Providers may return data to us. They may do this if they have a query regarding a request for Quotes that we have sent to them in order to enable us to resolve the query. They may also return data to us, together with confirmation on whether or not a product has been purchased, in order to enable us to improve our marketing. We may also use such data to create custom and lookalike/similar audiences, as explained above.
We work with a number of suppliers, who process data on our behalf. These include cloud storage providers, email service providers, and cloud telephony providers. We have appropriate contracts in place with such suppliers to ensure the protection and confidentiality of data.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. At the bottom of this policy, we have included a table, setting out what cookies we use, and the purposes for which we use them.
Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org.
To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.
Depending on the countries in which you’re looking for Service Providers, we may transfer your data outside the European Economic Area (the “EEA”). For example, if you’re looking for Service Providers in the USA, we may need to transfer your data to the USA.
Some of those countries (e.g. Canada, New Zealand, USA) have a European Commission adequacy decision, which means they are considered to offer an adequate level of data protection.
Other countries do not have the same level of legal protection as countries in the EEA, or with an adequacy decision. If we do transfer your data in this way, we will take steps to ensure that it is protected to the same levels that apply in the EEA. This may include, for example, ensuring that the organisation receiving the data is registered with the EU-US Privacy Shield (in the case of transfers to the USA), or that we use the EU’s model contract clauses.
We have a data retention policy, which clearly sets out how long we keep data for, and for what reasons.
We will keep your data only for as long as is necessary to fulfill the purpose/s for which it was collected in the first place, i.e. as set out in this notice.
Following the periods set out above, we will not use the data, save that we will hash/anonymise the same, and retain it for a further 3 years for compliance purposes.
This notice sets out (above) how we use your data. Under the GDPR, controllers must have a valid lawful basis for each processing activity that they undertake. This section sets out our lawful basis for each activity.
|Activity||Lawful Basis under the GDPR||Your Rights|
|To connect you with relevant Service Providers||Consent||To withdraw your consent, as explained below|
|The automated decision-making explained above||Legitimate interests||You have the right to object to processing based on legitimate interests|
|Using and sharing IP addresses||Legitimate interests||You have the right to object to processing based on legitimate interests|
|To email you regarding a partially completed webform||Legitimate interests||You have the right to object to processing based on legitimate interests|
|To call you to confirm your details or requirements||Consent||To withdraw your consent, as explained below|
|Sharing call recordings with Service Providers||Legitimate interests||To object to processing based on legitimate interests|
|To email you about similar products and services||Legitimate interests*||To object to processing based on legitimate interests. You also have the right to object to direct marketing|
|To create custom and lookalike/similar audiences||Legitimate interests||You have the right to object to processing based on legitimate interests|
|Receiving data from Service Providers||Legitimate interests||You have the right to object to processing based on legitimate interests|
|To email you with more information about the products or services that you have shown an interest in||Consent||To withdraw your consent, by clicking the unsubscribe link in the email|
|To improve your in-app experience and for marketing attribution||Legitimate interests||You have the right to object to processing based on legitimate interests||To verify that your webform submission is a genuine request (only where your submission relates to a finance product or service)||Legitimate interests||You have the right to object to processing based on legitimate interests|
*Under the Privacy and Electronic Communications (EC Directive) Regulations 2003 (PECR), we send such emails on the basis of the existing customer (soft opt-in) exemption.
In each case where we have identified legitimate interests as the legal basis for our processing, we have conducted a legitimate interests assessment.
If you are located in certain countries, including the European Economic Area and the United Kingdom, you have certain rights under GDPR in relation to your personal data. In relation to our site, and the service that we provide, those rights are set out in the table above. We further explain these rights, and your other rights, below.
Right of access – You have the right at any time to ask us for a copy of the personal information that we hold about you, and to check that we are lawfully processing it.
Right of rectification – If personal information that we hold about you is not accurate or is out of date and requires amendment or correction you have a right to have the data rectified or completed.
Right of erasure – In certain circumstances, you have the right to request that personal information we hold about you is erased (e.g. if the information is no longer necessary for the purposes for which it was collected or processed).
Right to object to or restrict processing – In certain circumstances, you have the right to object to our processing of your personal information. For example, if we are processing your information on the basis of our legitimate interests, and there are no compelling legitimate grounds for our processing which override your rights and interests.
Right of data portability – In certain instances, you have a right to receive any personal information that we hold about you in a structured, commonly used and machine-readable format.
Right to withdraw consent – In the limited circumstances where you may have provided your consent to the collection, processing, and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. You can exercise this right by accessing our Preference Centre.
As explained above, you can exercise your right to withdraw consent by accessing our preference centre https://preferences.safe-click.net/.
If you wish to exercise any of your other rights under the GDPR, please email us at firstname.lastname@example.org. Alternatively, you can write to us at the address set out above, or inform us if you speak with us on the phone.
Our lead supervisory authority for the processing set out in this notice is the UK Information Commissioner’s Office (ICO). If you are unhappy with how we have processed your data, you have the right to make a complaint to the ICO.
If you are based outside of the UK, or you have a complaint concerning our activities outside of the UK, you may prefer to lodge a complaint with a different Supervisory Authority. A list of relevant authorities can be accessed here.
This section provides more information about the personal information we collect about California consumers and the rights afforded to you under the California Consumer Privacy Act (“CCPA”).
For details about the personal information we have collected over the last 12 months, including the categories of sources, please see the “What data we collect, and how” section above. We collect this information for the purposes set out in the “How we use your data” section above. We share this information with the categories of third parties described in the same section. We do not sell (as defined in the CCPA) the personal information we collect. We use third-party cookies for our advertising purposes as described in the Cookies section above and table below.
Subject to certain limitations, the CCPA provides California consumers the right to request more details about the categories or specific pieces of personal information we collect, such as how we use and disclose this information and to delete their personal information. California consumers may make a request pursuant to their rights in the CCPA by contacting us at data email@example.com. We will verify your request using the information you have previously submitted to us, including your email address.
If you have any questions regarding this notice, or any questions relating to data protection or privacy, you can contact us at firstname.lastname@example.org.
Alternatively, you can write to us at the address set out above.
|Universal Analytics (Google)||_ga _gali _gat_UA-1036645-1 _gid||These cookies collect information about how visitors use our website. We use the information to compile reports and to make improvements. The cookies collect information in an anonymous form, including where visitors have come to the website from and the pages they visited. To opt-out: https://tools.google.com/dlpage/gaoptout|
|Taboola Retargeting||These cookies are used to tailor Taboola adverts to a user’s previous viewing habits. For instance, if you have previously visited our page, you may then see other adverts related to that product or service. Taboola is an ad network that shows sponsored content, usually as links below the article on major news sites.|
|Outbrain Retargeting||These cookies are used to tailor Outbrain adverts to a user’s previous viewing habits. For instance, if you have previously visited our page, you may then see other adverts related to that product or service. Outbrain is an ad network that shows sponsored content, usually as links below the article on major news sites.|
|Adwords Retargeting (Google)||These cookies are used to adjust the targeting of our paid search and display advertising to show ads to users who have previously been to our sites and/or engaged with our page such as completing a form. They contain no personal information.|
|DoubleClick Retargeting||These cookies are used to adjust the targeting of our display advertising to show ads to users who have previously been to our sites and/or engaged with our page such as completing a form. They contain no personal information.|
|Taboola Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Taboola.|
|Outbrain Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Outbrain.|
|Yahoo Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Yahoo Gemini.|
|Zemanta Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Zemanta.|
|Ligatus/LiquidM Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Ligatus and LiquidM.|
|Plista Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Plista.|
|Revcontent Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on Revcontent.|
|EngageYa Conversion Tracking||These cookies measure ad conversions and optimise spend for advertising campaigns served on EngageYa.|
|Adwords Conversion Tracking||These cookies measure when a user has completed an action on site such as completing a form. They contain no personal information.|
|Bing Conversion Tracking||UET Tag||These cookies measure when a user has completed an action on site such as completing a form. They contain no personal information.|
|DoubleClick Conversion Tracking||These cookies measure when a user has completed an action on site such as completing a form. They contain no personal information.|
|Facebook Pixel||These cookies measure ad conversions, optimise and build audiences for advertising campaigns served on Facebook. To opt-out: https://www.facebook.com/policies/cookies/.|
|Twitter Pixel||These cookies measure ad conversions and optimise advertising campaigns served on Twitter. To opt-out: https://help.twitter.com/en/safety-and-security/privacy-controls-for-tailored-ads|
|LinkedIn Pixel||These cookies measure ad conversions, optimise and build audiences for advertising campaigns served on LinkedIn. To opt-out: https://www.linkedin.com/legal/cookie-policy|
|Pinterest Tag||These cookies are used to track conversions, optimise and build audiences to reach customers on Pinterest. To opt-out: https://help.pinterest.com/en/articles/personalized-ads-pinterest|
|Skimlinks||Our website receives paid commission on sales of those products or services we write about. In some instances, we use a 3rd Party to enable these affiliate partnerships. To opt-out: https://skimlinks.com/privacy-policy#users|
|Amazon Associates||These cookies track referral visits to Amazon for which we may earn commission for any eventual purchases.|
|VWO||_vwo||These cookies are used to help us optimise our sites by running tests and measuring user conversions. It is also used to track user information when visiting the site (e.g. browser and device information).|
|StackAdapt||These cookies allow the DSP StackAdapt to track and understand the actions taken on your page. They are used for conversion and engagement tracking along with building audiences for retargetting.|
From time to time, we may update this notice.
Last reviewed: 29 October 2020