Please read carefully. Access to this website is subject to these Terms and Conditions ('Terms'). By using this website, you agree immediately to be bound by these Terms, which form a binding contract between you and Credit Reporting Agency Limited ('We', 'us', 'our') and which contain your legal rights and important obligations. If you do not accept these Terms in full, please leave this website.
If you wish to make a complaint, please email us. Our complaints policy is that:
You also have an option to register a complaint using the EU Online Dispute Resolution Platform for cross-border consumer claims.
1 January 2019
We are Credit Reporting Agency Limited of Trevithick House, Trevissome Park, Truro, Cornwall, TR4 8UN.
You provide us with Personal Data when you register to use our services on our website. This includes your name, current and previous addresses, date of birth, email address, payment/card details and your password. We use this information in order to manage, provide and administer our post scanning services to you.
By the nature of our services, you arrange for your post to be forwarded to us and we scan and store this for your personal use.
We may also keep information contained in any correspondence you may have with us by post or email. We may also record telephone calls, but only if we tell you at the start of the call and not otherwise. If we do not record a telephone conversation with you, we may keep brief details of the contents of your call on our files.
Each time you visit our website we obtain information about the device you use to access our services, your location and your IP address.
When you register to use our services, you agree to our Terms and Conditions. In agreeing to our Terms and Conditions, you agree to appoint us (Credit Reporting Agency Limited) as your attorney for the specific purposes of receiving and handling post, opening letters, storing the contents electronically, shredding post one month after receipt and, at your request, forwarding post either to you or to a third party.
We have a legitimate interest to process your Personal Data as when you sign up to use our services you appoint us as your attorney for the specific purposes of receiving and scanning your post, as more particularly described above and in our terms and conditions and as part of our business, and the processing of the data that results from this is necessary to enable us to provide our services to you.
Your Personal Data is used to administer and manage your account with us. Your IP address, details of the device you use and your location are used to help identify you, to prevent fraudulent use of our services, to diagnose problems with our servers, and to administer our website.
We do not share your Personal Data with any third party, other than for necessary purposes and for the purposes of fraud prevention and enforcement. We also need to give your email address to trusted service providers to enable us to email you, or to confirm the deliverability of your email address from time to time. We stress that we will never sell your Personal Data, or your email address to anyone for marketing purposes, at any time, nor allow any third party to use your email address for any other purpose.
To help prevent abuse of our services and fraud, we share information about you and the use of our services (but not the items we have scanned for you) with trusted service providers and fraud prevention agencies strictly to enable them and us to detect, prevent and otherwise address unlawful or suspected fraudulent internet activity on our own websites and on websites owned and operated by others. We have security measures in place to take reasonable precautions to protect the loss, misuse and alteration of the information under our control. These include the issue and use of passwords, powerful encryption and computer firewalls to guard against hacking. No data transmission over the internet can be entirely secure, so we cannot guarantee the security of your Personal Data when in transit between you and us. From time to time we may have to suspend services whilst we investigate any attempted breach of security. You are obligated, under the Terms and Conditions you agree to abide by when you use our services, to report any suspected breach to us immediately. We also take reasonable security measures to protect your Personal Data in storage.
Your Payment/Card details are used to enable us to manage your subscription with us. We act as controller and data processor in regard to the processing of your subscriptions either by continuous credit card authority, by PayPal or by Direct Debit.
We undertake at all times to protect your Personal Data in accordance with our terms and conditions and in a manner that is consistent with the requirements of the General Data Protection Regulation (GDPR) concerning data protection.
Any information that you choose to give us will not be used for marketing purposes by any third party. Only if you consent to us doing so when you register to use our services, at our discretion we may send you occasional email messages whether you are a current subscriber to our services or not. If you wish to opt out of receiving such messages from us you, you can do so at any time by clicking on the appropriate link at the foot of each email.
As part of regulatory requirements defined by HM Customs & Revenue to help prevent money laundering and terrorist financing, and also to authenticate your identity, we will ask you to produce a defined set of identity documents. These are scanned and stored and used for the processing of the authentication, for monitoring purposes and for fraud prevention.
From time to time we may need to authenticate you more carefully. The reasons are always to try to ensure that we are protecting the privacy of your information, or to discharge our duties under anti money laundering and anti-terrorist financing regulations. The information we require will vary depending on the depth of our investigation. For example, we may ask you to provide any or all of original bank statements, credit card statements and utility bills, addressed to you at your current and previous addresses, and on occasion, government issued identification such as copy passport details or a copy of your driving licence. The documents you provide is scanned to your account at no cost, all your data is kept confidential whilst being processed, and any original documents are returned to you after being used by us to authenticate you.
Demographic and profile data is also collected at our website. This information is not held on an individual basis. We use this data to tailor your experience at our site, showing content that we think you might be interested in, and displaying the content according to your preferences. We do not pass your personal information to any third party except when under compulsion of law or with your consent to do so.
Our website contains links to other websites. Credit Reporting Agency Limited is not responsible for the privacy practices or the content of such websites.
We keep information in line with our data retention policy. The retention periods are in line with the length of time we need to keep your Personal Data in order to manage and administer our services to you and also in order to discharge our duties under anti money laundering and anti-terrorist financing regulations. The retention periods vary to take into account our need to meet any legal, statutory and regulatory obligations and can vary for individual customers and for different reasons. In general, we do not keep information for longer than we deem necessary. In the absence of any compelling reason not to do so, your Personal Data will be removed from our databases within six years after the date of closure of your account with us. In all cases our need to use your Personal Data is reassessed on a regular basis and information that is no longer required is disposed of.
The General Data Protection Regulation (GDPR) grants you the right to access particular Personal Data that we hold about you. This is referred to as a Subject Access Request. We shall respond promptly to any Subject Access Request received, and always within one month from the point of receiving the request and all necessary information from you. Our formal response shall include details of the Personal Data that we hold about you, including the following:
You have the right to obtain from us, without undue delay, the rectification of inaccurate data we hold concerning you. Taking into account the purposes of the processing, you have the right to have incomplete Personal Data completed, including by means of providing a supplementary statement.
Under the General Data Protection Regulation (GDPR), you have the right to erasure of Personal Data concerning you without delay. To invoke your right please log in and send an email to our Data Protection Officer and ask him to erase your Personal Data. In response, in most cases you are likely to be advised that your right to erasure cannot apply for at least six years because there continues to be an overriding legitimate ground for your data to be maintained by us for the purposes of anti-money laundering and anti-terrorist financing, which is in the public interest.
If you have any history of a dispute with us on any matter, including any payment dispute, we will routinely refuse to erase your data on the basis that it is required by us for the establishment, exercise or defence of legal claims.
Subject to certain exemptions, you have the right to obtain from us restriction of processing where one of the following applies:
We shall communicate any rectification or erasure of Personal Data or restriction of processing as described above to each recipient to whom the Personal Data has been disclosed, unless this proves impossible or involves disproportionate effort. We shall provide you with information about those recipients if you request it.
You have the right to receive your Personal Data which you have provided to us in a structured, commonly used and machine-readable format and have the right to transmit this data to another controller without hindrance from us. We may charge you an appropriate fee if you invoke this right.
You have the right to object, on grounds relating to your particular situation, at any time to the processing of Personal Data concerning you, including any personal profiling; unless this relates to processing that is necessary for the performance of a task carried out in the public interest or an exercise of official authority vested in us. We shall no longer process the Personal Data unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of you, or the establishment, exercise or defence of legal claims.
Other than our online authentication process, which is an essential part of our fraud prevention procedures, we do not carry out any automated processing which may lead to an automated decision based on your Personal Data.
If you would like to invoke any of the above Data Subject Rights with us, please email our Data Protection Officer at the address given below.
In order to provide the highest level of customer service possible, we need to keep accurate Personal Data about you. We take reasonable steps to ensure the accuracy of any Personal Data or sensitive information we obtain. We ensure that the source of any Personal Data or sensitive information is clear and we carefully consider any challenges to the accuracy of the information. We also consider when it is necessary to update the information such as name or address changes, and you can help us by informing us of these changes when they occur.
If your complaint is not resolved to your satisfaction and if you wish to make a formal complaint to the Information Commissioner’s Office (ICO), you can contact them on 01625 545745 or 0303 123 1113. You also have the right to judicial remedy against a legally binding decision of the ICO where you consider that your rights under the General Data Protection Regulation (GDPR) have been infringed as a result of the processing of your personal data. You have the right to appoint a third party to lodge the complaint on your behalf and to exercise your right to seek compensation.
You have the following options if you do not wish to receive future marketing communications from us. Please note that we may still be required to notify you from time to time of any significant changes to our terms and conditions, even after you express a preference not to receive marketing communications.
To change and/or modify information previously provided, please email email@example.com
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Data Protection Officer
Credit Reporting Agency Limited
Or email firstname.lastname@example.org
Last updated: 24 May 2018
WE ARE NOT CURRENTLY ACCEPTING NEW CUSTOMERS ON THIS SERVICE
In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.
We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.
Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.
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