- a customer who is using the Site to find financial advice (a “Customer”),
- a job applicant (an “Applicant”) who is looking to work with the My Expert Holdings group and looking at the Site to see job vacancies, or
- any other person who is using the software or other tools or services we provide on the Site.
What is My Equity Release Expert?
The Site is intended for use by individuals who are over 18 years of age.
Who processes your personal information?
Information that can identify you (“personal information“) will be collected, processed, stored and used by us, and passed to and processed by companies in the My Expert Holdings Group and other third party data processors acting under our instructions or those of one of the companies in the My Expert Holdings Group. These people may be engaged in, among other things, the fulfilment of your information requests and the provision of support tools and services both on the Site and from the company. They may also be helping us maintain the integrity and security of the Site, including processing services and emails and messaging platforms on the Site.
We may also periodically obtain both personal and non-personal information about you from affiliated entities, business partners and other independent third-party sources and add it to our account information. Examples of information we may receive include travel history and demographic information. By submitting your personal information, you agree to this collection, transfer, storing and/or processing.
Our Site may also collect and store some information (including personal information) locally on your device using your browser and data caches. This could include, for example, location information. We use this information to make our site faster when you return to the Site.
Please also remember that when you share information on the Site, it may be “indexable” by search engines, including Google, which may mean that the information is made public. For example, if you review the financial advice or customer service provided by My Equity Release Expert, the review and any information you provide as part of that review may be publicly accessible (including on other websites). Please be careful about what you disclose and do not post any information that you expect to keep private. We are not responsible for how third parties may disclose information that you directly share with other third parties.
The information we collect
At various times you may give information to us. This includes information that can identify you, including your first and last name, telephone number, postal and email addresses, health information and details of your employment and financial situation.
We may also gather information from cookies, web beacons or similar technologies on the internet. You can find out more about how we do that in the relevant section of this policy below and in our Cookies Policy. We use publicly accessible information to verify the information we are provided with and to manage and expand My Equity Release Expert’s business. With the prior user’s consent, as applicable, that can be withdrawn at any time, to provide services requested by users, we also collect IP addresses, mobile device identifier details, your location, navigation and click-stream data, the time of accessing the website, pages you viewed, what you searched for, the duration of your visit, and other details of your activity on the internet.
If you ask us to connect with other sites (for example by clicking on the Twitter link) we may get information that way too. In connection with electronic communications we facilitate through a Site, we use electronic or manual checks to monitor such communications for trust and security purposes. We obtain data from you either by you inputting your personal details, by the automatic collection of information about you as you use the Site, when we speak to you or from third parties or websites. Third party information may include your browsing habits and location data.
How we use your personal information
Our primary purpose in collecting your personal information is to provide you with the financial services you request. We may use your personal information for the following purposes:
- To provide you with information on the financial services you requested on the Site or to support your request;
- To contact you from time to time with service updates;
- To send other messages that are useful to the financial services we provide;
- To provide personalised, targeted, or location-based content, services, and advertising from us with the prior user’s consent that can be withdrawn at any time;
- If necessary, to measure your interest in and improve our products, services and the Site;
- To promote the services related to the Site or those of the My Expert Holdings Group, our parent company and its affiliates and/or our affiliates by email and via social media platforms;
- To compare information for accuracy, and verify it with third parties;
- To improve Customers’ experience using anonymous and aggregated information;
- To help us meet our legal and compliance obligations – for example, we may use personal information we hold on you to do background checks.
We will comply with data protection law. This says that the personal information we hold about you must be:
- Used lawfully, fairly and in a transparent way.
- Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes.
- Relevant to the purposes we have told you about and limited only to those purposes.
- Accurate and kept up to date.
- Kept only as long as necessary for the purposes we have told you about.
- Kept securely.
How we may disclose your personal information
We may disclose your personal information to enforce our policies, defend and protect the rights, property or safety of the My Expert Holdings Group, the Site and the users of the Site, to comply with our legal obligations or in the interest of national security, public interest or law enforcement in any country where the My Expert Holdings Group has entities or affiliates. For example, we may respond to a valid request by a law enforcement agency or regulatory or governmental authority (including tax authorities). We may also disclose data in connection with actual or proposed litigation, or to protect our property, people and other rights or interests.
We share your information with third parties (including other My Expert Holdings Group affiliates) who help deliver our products and services to you. Examples include third parties who are hosting our web servers, analysing data, and providing marketing assistance. These companies will have access to your personal information as necessary to perform their functions, but they may not use that data for any other purpose.
We may also share your personal information as follows:
- If you opt-in to receive information about the opportunities, products, or services of third parties, we supply your contact information to those third parties so they may contact you;
- With Companies in the My Expert Holdings Group;
We may also share anonymised information with third parties, including investors. This information does not contain any personal information.
International data transfers
Personal information about users may be stored and processed in any country in which we, our affiliates, or service providers maintain facilities, including countries like India) which are outside of the country or region in which you reside.
Users may subscribe to our newsletter service. We and My Expert Holdings Group may offer different newsletters from time to time intended to enhance the services we offer. All Users may cancel their subscription to these email newsletters at any time through by emailing email@example.com for the changes in your preferences to become effective.
When you download or use apps relating to our websites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalised content. Most mobile devices allow you to turn off location services. If you have questions about how to disable your device’s location services, we recommend you consult your device’s manual, or contact your mobile service carrier or your device manufacturer.
Enquiries and other electronic communications
Customers may send enquiries to us via the My Equity Release Expert website. If you choose to send an enquiry this way, the message will go via our third-party supplier, who will be contractually bound by clauses of confidentiality. Enquiries will be available for review by our employees and agents, who may use any such information as part of the services we provide.
We may also from time to time, use third party e-mail servers to send and track receipt of such communications, and analyse the pattern of such communications for trust and security purposes as well as to gather data, such as enquiry and booking data (on an anonymous basis), to assist us in better understanding our business. Our system does not hold messages indefinitely and they may not be accessible after the message has been delivered to you. Please, therefore, print a copy of any message which is important to you.
How do we protect your personal information once we have it?
We take appropriate technical and organisational measures to guard against unauthorised or unlawful processing of your personal information and against accidental loss or destruction of, or damage to, your personal information. While no system is completely secure, we believe the measures implemented by the Site reduce our vulnerability to security problems to a level appropriate to the type of data involved. We have security measures in place to protect our user database and access to this database is restricted internally.
Note that, despite the measures taken by us and the third parties we engage, the internet is not secure. As a result, others may nevertheless unlawfully intercept or access private transmissions or data.
External links and social plug-ins
What are Cookies and Web Beacons
Our Site has a dedicated section on cookies which you can read here.
We gather and share information concerning the usage of the Site by Applicants and Customers with one or more third-party tracking companies for the purpose of reporting statistics.
Web beacons may be used to track the traffic patterns of users from one page to another in order to maximise web traffic flow.
How do I correct or update my information?
Please email firstname.lastname@example.org or write to us at My Pension Expert, Colonnades House, Duke Street, Doncaster, DN1 3BW. to correct any information we are holding that you believe is incorrect.
How do I opt-out of receiving marketing communications from you?
You may opt-out of receiving marketing communications from us by the following means:
- Contact us at email@example.com or write to us at My Pension Expert, Colonnades House, Duke Street, Doncaster, DN1 3BW.
- Follow the instructions included in each communication.
Please remember that if you change your preference it may take a short time for those preferences to become effective.
How long will we keep your personal information?
How Do I Contact You?
If you are unhappy with their answers you can also contact our Data Protection Officer at firstname.lastname@example.org.
The data controller for any personal information you provide to us through this Site is My Pension Expert Limited, Registered address: My Pension Expert, Colonnades House, Duke Street, Doncaster, DN1 3BW. My Pension Expert Limited is registered with the Information Commissioner’s Office under registration number 579999.