1. Introduction
1.1 The Claims Experts Ltd, trading as Impakt Claims, is committed to protecting the privacy and security of your personal information. This privacy policy explains how we collect, use, and safeguard your information in accordance with the General Data Protection Regulation (GDPR) and the Privacy and Electronic Communications Regulations (PECR).
1.2 The Claims Experts Ltd is a Claims Management Company authorised by the Financial Conduct Authority (FCA) in the United Kingdom. We specialise in helping individuals make financial claims through irresponsible lending and in recovering funds lost to scammers. Our registered office is located in the North West of England.
1.3 If you have any questions about this privacy policy or our treatment of your personal data, please contact usby email at: info@impaktclaims.co.uk, by post to:Impakt Claims, Pioneer House, Pioneer Business Park, North Road, Ellesmere Port, CH65 1AD
1.4 Our data protection registration number is ZA477153. Our company is registered in England and Wales.
2. The Personal Information We Collect
2.1 We obtain personal information from you that is needed to conduct claims management activities on your behalf. These include but are not limited to your:name, addresses, email, phone numbers, date of birth, title, marital status, dependants, employment status, income and banking and financial details, details of loans, mortgages, credit cards, bank accounts and overdrafts you have had, correspondence by post or email.
2.2 We obtain personal information from you when you visit our website:When you visit our website, we store web server logs which show your IP address. In the event of the non-payment of our fees, we may collect additional information about you from :Tracing Agents, Credit Reference Agencies and Public Register domains.
3. How We Collect Your Data
3.1 We collect your data via:Our website, Directly from you via forms, email and telephone, Third parties we liaise with in conjunction with dealing with your case.
3.2 Types of information collection includes:
3.3 Contact Details: Your name, address history, email address, and telephone numbers.
3.4 Financial Information: Details of financial transactions and losses due to scams and credit including credit files and bank statements.
3.5 Identification Documents: Copies of your identification documents (e.g., passport, driver’s license) required for verification purposes.
3.6 Correspondence: Records of any correspondence with us, including via emails and calls.
3.7 We may also record and/or monitor calls for quality checks and staff training.
4. How We Use Your Data
4.1 We use the information that we collect from you to provide our services to you. By entering into a contract with us, or by requesting pre-contract information, we will then use the information provided by you for contacting you by telephone, text, post, email or other electronic means to:Send you general commercial communications, Contact third parties on your behalf, with your specific instruction, Send you email notifications, Send SMS notifications, Send updates on your case, Send invoices to you and collect payments from you, Send to any regulatory authorities if required, search Credit Reference Agencies, trace your whereabouts and recover any debt you owe us, to identify, prevent, detect or tackle fraud and other crimes
4.2 Occasionally, we may also use the information we collect to notify you about important changes to our Website or new services or offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at info@impaktclaims.co.uk
4.3 We may use your information to provide you with details of products from selected third parties.
5. Failure To provide Information To Us
5.1 If you do not provide the personal information we have requested, we may not be able to fulfil our contract with you.
6. Lawful Basis for Processing
6.1 We process your personal information under the following lawful bases:
6.2 Consent: Where you have given clear consent for us to process your personal information for a specific purpose.
6.3 Contractual Necessity: Where the processing is necessary for the performance of a contract with you.
6.4 Legal Obligation: Where the processing is necessary for compliance with a legal obligation to which we are subject.
7. Retention Period
7.1 Unless a longer retention period is required or permitted by law, we will only hold your personal information on our systems for the period necessary to fulfil the purposes outlined in this Privacy Policy or until you request it is deleted. If, having registered for any of our services, you do not use them for a reasonable time (which may vary depending on the service(s) you’ve registered for) we may contact you to ensure you’re still happy to receive communications from us. Even if we delete your personal information it may persist on back-up or archival media for legal, tax or regulatory purposes.
8. Withdrawing Consent
8.1 By appointing us to provide Services, you accept this Privacy Policy and expressly consent to the use and disclosure of your personal information in the manner described. If you object to any of the potential uses described, we may not be able to process your application. Please contact us at info@theclaimsexperts.co.uk if you want to opt out of any of the uses described.If you have signed a contract to complete a claim, our contractual rights will still apply and we can contact you in relation to a cancellation fee or any outstanding monies owed to us.
9. Recipients of your data
9.1 We control the use of your data as you have directed.To allow us to provide our services to you, the following third parties provide functions to our business and will process your personal information as directed by us and in accordance with strict data security arrangements:
9.2 Our Services: during our services we will provide your data, under your specific instruction, to named lenders, credit brokers, insurance underwriters, the Financial Services Compensation Scheme and, if required, the Financial Ombudsman.
9.3 Our IT Systems: we use third party companies for IT hardware and software support who may process some of your data
9.4 Processing Partners: During the course of providing the services that you request from us, we may share your information with our processing partners, known as recipients and data processors.
9.5 We conduct due diligence with both recipients and data processors around the areas of their data security protocols, data protection policies and we have strict contracts in place that govern how they process your information.
9.6 None of our Processors have the right to use your data other than for the purposes instructed by Impakt Claims.
9.7 Mail & scanning services: We use a third party for our mail processing and document scanning services.
9.8 Our Regulators: we may be required to provide your data to our Regulators, who include the Financial Conduct Authority, the Financial Ombudsman Service and the Information Commissioner’s Office
9.9 Our Professional Services: we use professional legal, consultancy and accountancy services to help us fulfil our legal obligations.
9.10 Collection and Tracing Agencies: We may use your data for the recovery of outstanding debt
9.11 We will not sell or rent your information to third parties. We may pass your information to third party service providers, including but not limited to: Legal panel members, suppliers and sub-contractors working on our behalf for the purposes of completing tasks and providing services to you. We have carefully selected our third parties due to their commitment to keeping your data safe, and all data is processed within the European Union and subject to the same legislation. If you request for us to stop processing your data, we will also communicate this to the relevant third parties if they are processing this on our behalf. If you have any concerns about the above third parties, please let us know and we can provide advice and support to help you manage your data preferences.We require all third parties to respect the security of your personal data and to treat it in accordance with the law.
10. Legitimate interest
10.1 We have a legitimate interest in keeping you updated about any further services offered by us which may be of interest to you both during and after the conclusion of your contract with us, including communication of any developments that may have an impact on your original service (e.g. a change in the law that will make additional services available to you). We will use the details you have provided to contact you including by telephone, email, SMS and post. If you do not wish for us to contact you in this manner, or by a specific method, you will be able to unsubscribe at any time to one or all contact methods.
11. Cookies
11.1 A cookie is a small text file that is downloaded onto a computer or smartphone when the user accesses a website. It allows the website to recognise that user’s device and store some information about the user’s preferences or past actions. We use cookies to understand how visitors reach our site, which in turn helps us to improve our services Cookies cannot harm your computer and hold absolutely no personally identifiable information; no names, addresses, phone numbers or credit card details. The information collected by cookies does not personally identify you; it includes general information about your computer settings, your connection to the Internet e.g. operating system and platform, IP address, your browsing patterns and timings of browsing on the Website and your location.
11.2 We use different types of cookies to run Google’s ads-related products.Some or all of the cookies identified in the link below may be stored in your browser. You can find out more information on these here:https://www.google.com/policies/technologies/types/
11.3 You can obtain further general information about cookies fromwww.aboutcookies.org and www.allaboutcookies.orgThese are third party sites and are not operated by us.
12. Third Party Data Transfers
12.1 We do not specifically transfer your data to countries outside of the European Union. However, some of our third-party service providers may provide services which mean your data is transferred outside of the European Union. In any case, we ensure that there are appropriate security measures in place such as technical security, including encryption and restricted access to your data. The only circumstance in which this may happen is if one of our third-party data processors backs up their systems (to keep their data secure) outside of the European Union. In any event, we have strict contracts in place to make sure your data is kept safe and your data is always under our control.
13. Third party Websites
13.1 Our website contains links to other websites. We are not responsible for the privacy policies or practices of third-party websites.
14. Changes to Privacy Policy
14.1 We reserve the right to add to or change the terms of this privacy policy in our sole discretion, without prior notice to you. If we change this privacy policy, we will post the new privacy policy on the website, and it will become effective from the time of posting to the website. Please visit this privacy policy on a regular basis to make sure you have read the latest version and you understand what we do with your information. Wherever possible, we will give you notice of any changes prior to their implementation.
15. Your Rights
15.1 You can object or withdraw your consent to the use of your personal data at any time. If you have signed a contract to complete a claim, our contractual rights will still apply and we may contact you in relation to a cancellation fee or any outstanding monies owed to us.Under GDPR, you have rights including:
15.2 Access: The right to request a copy of the personal information we hold about you.
15.3 Rectification: The right to request correction of information that is inaccurate or incomplete.
15.4 Erasure: The right to request the deletion of your personal information under certain conditions.
15.5 Restriction: The right to request the restriction of processing of your personal data.
15.6 Data Portability: The right to receive the personal data you provided to us, in a structured, commonly used, and machine-readable format.
15.7 Right to object: the right to object to our use of your personal information
15.8 Right to complain: We are regulated by the Information Commissioner’s Office (ICO) in respect of our obligations to protect your data. You have the right to make a complaint about our use of your data to the ICO, who will investigate this on your behalf. The ICO will only investigate complaints made within three months of your last contact with us. You can contact the ICO through their website: https://ico.org.uk or by telephone: 0303 123 1113.
15.9 You can access your data at any time by requesting a Subject Access Request. Please email: info@impaktclaims.co.uk
