“Services” means the CreditMatcher services which include the supply of a search tool to find credit deals, including credit cards, loans and mortgages, based on your Experian Credit Report and information held by other credit reference agencies as further described in the Terms and Conditions;
“Website” means a website operated by us through which we provide the Services at www.experian.co.uk/consumer/creditmatcher/index.html and any replacement website used from time to time from which we allow you to access the Services.
"Your Information" means information and data you have provided to us in connection with the Services which may from time to time include Personal Data as defined by the Data Protection Act 1998 (as amended).
Experian Limited is part of a group of companies, whose parent company is Experian plc which is listed on the London Stock Exchange (EXPN). For more information, visit the Experian group’s website on www.experianplc.com.
The word "EXPERIAN", and the square and dots graphical device in respect of Experian are trademarks of Experian Limited and/or its associated companies and may be registered in the EU, USA and other countries. The square and dots graphical device is a registered Community design in the EU. All rights reserved.
We are responsible for the processing of any personal information you provide to the Website or to us during our provision of the Services to you.
Experian is registered in the United Kingdom under the Data Protection Act 1998.
Protecting the privacy of your personal information is of highest importance to us. We believe that responsible stewardship of the personal information entrusted to us is crucial in developing and maintaining the public trust essential for our continued success. We are sensitive to your privacy concerns, and are committed to letting you know what information is being collected on the Website, how that information is being used and what choices you have regarding the collection and use of the information.
The primary reason we collect information from you is to provide you with the Services. The type of information we collect, and the purpose for which it is collected is set out below.
We may disclose any of the information that we collect to our group companies, and to third parties that perform services on our behalf so that we can provide you with the Services. These may include market research companies, data management companies and call centre providers.
We may share your information with brokers, lenders and providers of credit and financial products for purposes that may include:
We may share your information with other Credit Reference Agencies and fraud prevention agencies, including Cifas. The information we provide to other Credit Reference Agencies may be shared by them with other organisations, including fraud prevention agencies and used by those organisations for the purpose of checking identity, preventing fraud, tracing and collection of debt. The Credit Reference Agencies may use information for statistical analysis.
We restrict access to your personal data to those employees, and third parties, who need to know that information to provide the Service to you. We maintain physical, electronic, and procedural safeguards to protect your personal data.
Experian protects your information over the Internet by using secure web server technologies, which allows web browser programs to interact with Experian's web server via an encrypted session. Experian employs a Transport Layer Security (TLS) connection that provides an encrypted connection between your computer and Experian. The 256 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. When you visit the Website you may move in and out of secured areas. Any time that you are on a registration page or viewing your credit report, you will be in a secured area.
We operate throughout the world in providing our goods and services which means we may transfer your personal information to countries whose data protection laws do not provide the same level of protection as those in the UK. If we do so, we will ensure that an agreement is in place in which anyone to whom we pass the information agrees to treat it with the same level of protection as if we were dealing with it.
You have the right to receive information about the personal data we hold about you (for which we may charge a small fee). The statutory fee is £10.00, except in the case of obtaining a copy of your credit report, for which the statutory fee is £2.00