Thank you for visiting the Margin Expert Consumer website. The protection of your privacy is very important to us. We believe transparency and data subject control are at the core of our relationship with our customers and the foundation for building trust in us as a business. As such, we fully comply with the requirements of the UK Data Protection Act 2018 (EU GDPR 2016/679).

This Privacy Policy has been created to help you understand the personal data which we may collect, how we intend to securely process and store that data, and the rights you have in relation to your personal data.

Along with our Terms and Conditions of Use, this Privacy Policy makes up our agreement with you as a visitor to our website, and we need to ensure you understand that agreement.

summary privacy policy

full privacy policy

1. Introduction

This Privacy Policy will help you to understand what information We collect and process using the Margin Expert Consumer website, hereinafter referred to as “the Website”, and the choices and rights you have in connection with your personal information.

In this Privacy Policy when we refer to ‘Margin Expert Consumer, ‘We’, ‘Us’ or ‘Our’ we are referring to Margin Expert Consumer of 78 York Street, Marylebone, London, W1H 1DP, email address info@margin.expert, the “Data Controller” for the Website.

The Data Controller is responsible for determining what, if any, personal data to collect, the processing purposes of that data, and the content and related services or features which are made available to you from using this Website.


2. DATA PROTECTION FRAMEWORK

Margin Expert Consumer is a company registered in England and Wales (company number 10193660) and is registered with the Information Commissioner’s Office (ICO) as a Data Controller under the Data Protection Act of 2018 (registration number ZA205792).

3. WHAT IS THE PURPOSE OF THE WEBSITE?

The purpose of the Website is to:

4. WHERE DO WE COLLECT PERSONAL INFORMATION ABOUT YOU FROM?

We may collect personal data about you from the following sources:

We do not collect any personal data about you from:

5. WHAT INFORMATION DO WE COLLECT AND WHY?

We will only ever collect the information We need to enable us to undertake the specific personal information processing activities noted later in this section. We collect and process one distinct kind of information:

The information we collect, and process is dependent on how you choose to interact with us:

People who visit this website

People who use the ‘start your free quote’ form

People who email Us

People who contact Us by post

We will not send you any marketing or third-party messages unless you have explicitly provided your consent for Us to do so. If you later wish to withdraw your consent you can do so with the ‘unsubscribe’ link that is included at the bottom of all of our emails.

We record the IP address you accessed the Website from so that We can protect the Website from malicious access. As part of this We may look up the approximate location of the IP address such as country and city.

Your decision to disclose your personal information to Us is entirely voluntary.

We will only retain your personal information for as long as required to fulfil the purposes outlined in this Privacy Policy. We comply with all legislative and regulatory information retention requirements and will securely and permanently delete your personal information where there is:

We will not use your personal information for any other purposes. We will not share your personal information with any other organisation, other than the declared Data Processors recorded in Section 11.

6. SENSITIVE PERSONAL

GDPR Article 9 specifies a set of special categories which are considered to be “sensitive personal data” (e.g. racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership) and which require special consideration and protection by Data Controllers. This Website does not knowingly collect or process any sensitive personal information unless you have chosen to voluntarily disclose and share such information during your use of the Website.

If you do decide to voluntarily share sensitive information with Us, you will be considered to have explicitly consented to Us processing that sensitive personal information under Article 9(2)(a) of the General Data Protection Regulation. We will use and process your sensitive personal information solely for the purposes of securely deleting.

7. CHILDREN’S PERSONAL

This Website, and any services available from it, are not directed to users under the age of 18 (save where any users between 13 – 18 years old have obtained prior parental or guardian consent). If you learn that a user under the age of 18 has provided Us with their personal information without having parental or guardian consent, please contact Us (see Section 15) immediately so that We can take appropriate action.

8. USER DATA RIGHTS

As prescribed within the UK Data Protection Act 2018 / EU General Data Protection Regulation, you have several rights connected to the collection, processing and storage of your personal information as a result of using the Website. 9. PERSONAL DATA BREACH REPORTING

You have the right to be promptly informed by Us of any personal data loss, theft or compromise arising directly or indirectly from your use of Our Website, and any supporting systems or declared Data Processors (see Section 11) involved with delivering, supporting, maintaining, monitoring or improving the Website. Similarly, We are required to notify the Information Commissioner’s Office promptly, as the supervisory authority for the United Kingdom.

10. DECLARATION OF PERSONAL DATA PROCESSORS

To make an informed decision on whether to provide your personal data to Us when using this Website, we need to make you aware of the organisations that act as Data Processors for Us, helping in the provision of the Website and its functionality.

A list of our Data Processors is available below.

Processors List

Margin Expert Consumer works with the following processors to provide specific functionality as part of our services. As part of this functionality, these services have or potentially will have access to or process Margin Expert Consumer data.

Processor Service Place of Processing Data Protection Framework Links
GoDaddy GoDaddy is a website hosting service. As part of that service they provide logging of requests made to the hosting service. US/UK EU-US Privacy Shield Privacy Policy
MailChimp Margin Expert Consumer uses MailChimp as its email provider. US/UK EU-US Privacy Shield Privacy Policy

11. INTERNATIONAL TRANSFERS OF PERSONAL DATA

As We have described above, to be able to provide you with this Website We may transfer your personal data to partners in countries outside the EEA. These countries’ privacy laws may be different from those in your home country. By submitting your personal data, you agree to this transfer, storing or processing by us. If we transfer or store your information outside the EEA in this way, we will take steps to ensure that your privacy rights continue to be protected as outlined in this Privacy Policy.

12. USE OF COOKIES

Cookies are small text files sent by websites to your web browser and sent back to them each time you access or use the site and may be necessary for the site to function. They are unique to you or your web browser and may contain personally identifiable information as well as technical information (e.g. your device manufacturer and model, screen resolution, internet service provider, browser, and geo-location data). Session-based cookies last only while your browser is open and are automatically deleted when you close the browser. Persistent cookies last until you or your browser delete them, or until they expire.

Further information about cookies can be found at Interactive Advertising Bureau or Out- Law’s.

13. EXTERNAL LINKS

The Website includes relevant hyperlinks to external websites which are not directly controlled by Us. Whilst all reasonable care has been exercised in selecting and providing such links, you are advised to exercise caution before clicking any external links. We cannot guarantee the ongoing suitability of external links, nor do We continually verify the safety or security of the contents which may be provided to you. You are advised, therefore, that your use of external links is at your own risk and We cannot be responsible for any damages or consequences caused by your use of them.

14. CHANGES TO THIS PRIVACY POLICY

We may amend this Privacy Policy from time to time for example, to keep it up to date or to comply with legal requirements. You should regularly check this Privacy Policy for updates. If there will be any significant changes made to the use of your personal information in a manner different from that stated at the time of collection, we will notify you by posting a notice on our Website.

15. CONTACTING THE DATA CONTROLLER

If you have any questions about this Privacy Policy, would like to exercise any of your statutory rights or to make a complaint, please write to:

Data Protection Manager,
Margin Expert Consumer Limited,
78 York Street,
London,
W1H 1DP

Email: info@margin.expert