MC is the controller and is responsible for your personal data. We are committed to ensuring that your privacy is protected. By using our website, you may be providing us with some of your personal information and we want to make sure that we do not use your data in a way that you would not expect. MC assure you that your personal information will only be used in accordance with this privacy statement and in compliance with the latest privacy regulations.
MC may change this policy in future by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 20/11/2020.
Personal Information We Collect
Personal information is any information about an individual from which that person can be identified. It does not include data which has been anonymised.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
This list may not include all the information we require when providing our service/s. The information we ask you for will relate to your specific enquiry and will only consist of the information we need to carry out our service. If you contact us other than via our website, we may keep a record of that correspondence and a copy of call recordings.
Method of collection
The basis on which we process your information
The legal grounds for processing your personal information depend upon the nature of our relationship with you and the context of processing and are as follows:
What we use your personal information for
|We collect/store or use your information to|
|provide the service you have requested|
|send to our third-party service provider partners|
|send you information regarding our products and services|
|provide annual statistics and information to our regulator|
|resolve complaints against us|
|gather feedback to enable us to improve our products and services|
|verify your identity where we receive requests to access or change the information we hold about you|
|maintain our accounts and records|
|research and analyse trends to better understand how users are using the services in order to improve them|
You are provided with choices regarding marketing and we record your preferences in relation to this and how we communicate with you.
We may rely on consent when we use your personal information for direct marketing. This will be where you have specifically consented to us or a third party that you are happy to receive marketing contact from us.
We may also rely on legitimate interests for our direct marketing. Our legitimate interests are to inform individuals about products or services which may be of interest to them and our commercial interests in operating our business, which includes acquiring new customers, providing additional services to existing or previous customers and, expanding our operations.
You may also receive marketing communications from us if you have previously purchased similar goods or services from us and, in each case, you have not opted-out of receiving that marketing. This is known as a ‘soft opt-in’.
Such marketing communications may be in relation to claims management, debt help and advice, financial advice/services and legal services (e.g. will writing, services provided by solicitor practices etc) which could be done by post, email, SMS or telephone.
If you require any further information about the lawful basis we have relied on to send direct marketing to you, please also contact us using the details in the ‘General’ section.
How long do we keep your personal information
We retain your information for as long as is necessary for the purpose for which it was originally obtained. We also have some legal and regulatory obligations to hold certain pieces of information for specific timeframes for example, we are required to keep a copy of telephone call recordings for a period of 12 months after our last contact with you.
Where we have provided a service to you, we will hold all information relevant to this for 6 years to enable us to address any claims/complaints made about our service. Information relating to any complaints will be held for a further 3 years.
We also need to keep some of your information for our accounting and reporting requirements.
Your contact details will be held for the purposes of direct marketing for 2 years, this is to enable us to let you know about new products or services that may be of interest to you as detailed above.
You provide us with details of what we ‘can do’ with your data and you have the right to opt-in and importantly to opt-out, which you can do by using the contact details below. You have the following rights:
Where you send us a request to access your data, this will usually be free of change and sent to you within one month (unless your request is complex). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity before we are able to process your request.
MC recognise the personal nature of the information we collect, process and store. As we are committed to ensuring that your information is secure we have put in place suitable physical, electronic and managerial procedures to prevent loss, unauthorised access, misuse or disclosure and to make sure that your information is safe and secure. If password access is required for certain parts of our website/application, you are responsible for keeping this password confidential.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which may be collected or you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Disclosure / transfer of data
MC may share or disclose personal information in the following situations:
Where possible in some circumstances as described above, we may be able to minimise your personal data so that you are not identifiable as the data subject.
Write to us at: 12B Kennerleys Lane, Wilmslow., SK9 5EQ
If you are unhappy with any aspect of your personal privacy you may complain to us using the contact details above and if you remain dissatisfied after we have dealt with your complaint, you are entitled to contact the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues whose information is available at www.ico.org.uk.