This Privacy notice is issued by (collectively referred to as “we”; “us” and “our”) and relates to our use of any personal data, why we are allowed to do so by law, who has access to your personal data and what your rights are.
We respect your privacy rights and your rights as a data subject. We will manage and protect your data accordingly, whilst it is in our hands, in accordance with all applicable data protection legislation and in accordance with this notice.
You have the right to object to us processing your personal data for our legitimate business interests or for direct marketing purposes (including any related profiling).
You may visit our website (“Site”) without revealing any personal information. However, if you request specific information, provide feedback or participate in a marketing initiative you will be disclosing personal data to us. This will be treated in accordance with the principles set out in the Data Protection Bill 2017 (“the Act”). We will take all reasonable steps to ensure your personal data is protected against unauthorised access and it will not be disclosed to another company or organisation without your consent. The only time we may disclose your personal data is when we are legally bound to do so or as required by our regulators.
This page contains the information gathering and use policies adopted by CPA Consumer Guard Ltd / The Consumer Protection Association in connection with this Site.
CPA Consumer Guard Ltd / The Consumer Protection Association is not responsible for the privacy policies of third party sites to which links are provided. The privacy policies on such sites should be checked before providing any personal information.
We will only collect and use personal data voluntarily and openly provided to this Site. A user may choose to provide us with limited personal data, as required, to register for certain services; once registered the information will only be used for the specified purpose(s).
We do not solicit sensitive personal data through the Site except where legally required to do so.
We use Google Analytics to analyse our Site usage and create reports for internal use at CPA Consumer Guard Ltd / The Consumer Protection Association only.
Like many services, Google Analytics uses first-party cookies to track visitor interactions. These cookies are used to store information, such as what time the current visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. Browsers do not share first-party cookies across domains. To find out more about how Google treats personal information, please see Google’s Privacy Policy.
We use your personal data for the following purposes:
To provide you with the services and products that you have requested We use your personal data to accept you as a new or returning customer to provide you with the products and services you have requested.
To send you service communications.
We use the contact details you have provided to us so that we can communicate with you about the services and products that we provide, including to let you know about major changes to those services and products or to any related information.
Direct marketing (including by third parties) - If you have provided your consent or we otherwise have the right to do so, we may use your contact details to send you direct marketing and keep you informed of promotional offers by email, post or telephone relating to our products and services.
You can unsubscribe from our direct marketing by emailing us at info@thecpa.co.uk or by post at:
The Consumer Protection Association
CPA Consumer Guard Ltd
CPA House
11 North Bridge Street
Shefford
SG17 5DQ
To maintain our records and improve data accuracy like any business, we process personal data in the course of maintaining and administering our internal records. This includes processing your personal data to ensure that the information we hold about you is kept up to date and accurate.
To respond to enquiries, complaints and disputes we use the personal data we hold about you to help us respond to any enquiries or complaints you have made, or deal with any dispute which may arise while providing our services and products to you in the most effective manner.
To investigate, detect and prevent fraud and comply with our legal obligations in certain circumstances, we use your personal data only to the extent required to enable us to comply with our legal obligations, including for fraud detection, investigation and prevention purposes. This may require us to provide your personal data to law enforcement agencies if they request it.
Data protection law requires us to only process your personal data if we satisfy one or more legal grounds. These are set out in data protection law and we rely on a number of different grounds for the processing we carry out. These are as follows:
Consent
In certain circumstances, we process your personal data after obtaining your consent to do so for the purposes of:
• sending you marketing communications about our products and services;
• conducting marketing research;
• obtaining your credit score so that we can establish the best possible payment terms we are able to offer to you.
Necessary for the performance of a contract and to comply with our legal obligations.
It is necessary for us to process your basic contact details, payment details and information about you or the business you represent for the performance of the services and products that we provide. In particular we rely on this legal ground to:
• provide you with the services and products;
• communicate with you about the services and products that we provide to you, including to let you know about major changes to those services and products or to any related information; and
• provide and improve customer support
If you choose not to give some or all of the aforementioned information to us, this may affect our ability to provide our services and products to you.
In certain circumstances, we also use your personal data only to the extent required in order to enable us to comply with our legal obligations, including to detect, investigate and prevent fraud.
Necessary for the purposes of our legitimate business interests or those of a third party It is sometimes necessary to collect and use your personal data for the purposes of our legitimate interests as a business, which are to:
• provide you with services and products that are as useful and beneficial as possible, including by personalising our contact with you and making sure we tell you about all the offers that are relevant to you;
• better understand our customer base so that we can improve our services and products and marketing activities (which could also benefit you);
• comply with our contractual obligations to third parties;
• develop and improve our Site to enhance the customer experience;
• train our staff so that we can provide you with a better customer service;
• respond to any enquiries or complaints you have made, or deal with any dispute which may arise in the course of us providing our services and products to you; and
• to ensure that content from our Site is presented in the most effective manner for you and for your computer;
• ensure effective operational management and internal administration of our business, document retention, compliance with regulatory guidance and exercise or defence of legal claims.
Where we think there is a risk that one of your interests or fundamental rights and freedoms may be affected we will not process your personal data unless there is another legal ground for us to do so (either that we have obtained your consent to the processing or it is necessary for us to perform our contract with you or to comply with our legal obligations).
We may provide your personal data to our service providers and act as "processors" of your personal data on our behalf. In addition, we may disclose your personal data if we are under a duty to disclose or share your personal data to comply with any legal obligation, or to protect the rights, property, or safety, of our business, our customers or others. This includes, in specific cases, exchanging information with other organisations for the purposes of fraud protection.
CPA Consumer Guard Ltd / The Consumer Protection Association assumes responsibility for keeping an accurate record of personal data once it has been submitted, but not for confirming the ongoing accuracy of the personal information. If CPA Consumer Guard Ltd / The Consumer Protection Association is advised that the personal data is no longer accurate, it will be amended (where practical)
• We retain your personal data for no longer than is necessary for the purposes(s) for which it was provided. What this means in practice will vary between different types of data. When determining the relevant retention periods, we consider factors including: • legal obligation(s) under applicable law to retain data for a certain period;
• statute of limitations under applicable law; • potential or actual disputes; and
• guidelines issued by relevant data protection authorities.
• Membership period.
Otherwise we securely erase your personal data from our systems when it is no longer needed.
CPA Consumer Guard Ltd has implemented accepted standards of technical measures and security policies that are aimed at protecting the personal data it has under its control from:
• unauthorised access;
• improper use or disclosure;
• unauthorised modification;
• unlawful destruction or accidental loss.
All CPA Consumer Guard Ltd / The Consumer Protection Association personnel are required to keep personal information confidential and only authorised persons have access to such information.
You have the following rights regarding your personal data:
(i) Right to access: the right to request copies of your personal information from us;
(ii) Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;
(iii) Right to erase: the right to request that we delete or remove your personal information from our systems;
(iv) Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;
(v) Right to data portability: the right to request that we move, copy or transfer your personal information;
(vi) Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests or where we use your personal information to carry out profiling to inform our market research.
If you would like to exercise your data protection rights or if you are unhappy with how we have handled your personal data, please feel free to contact us by using the details set out on our Site.
If we are unable to resolve your complaint: You have the right to make a complaint to the Information
Commissioner’s Office if you believe that your information has been mishandled by us. The Information
Commissioner’s Office can be contacted as follows:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Sheshire
SK9 5AF
Tel: 0303 123 1113
Please note that the Site contains links to other sites, which are not governed by this privacy statement.
This Privacy Policy is subject to periodic review and any changes will be included in this section of the Site.