The Data We Obtain
We obtain data compliantly from a variety of sources to develop positive consumer outcomes for consumers and citizens. Our sources include data partners we trust and many of whom we have worked with for many years, government sources, publicly available data and market research data.
To provide the marketing services our clients use to communicate with you more effectively and to provide you with products and services that are relevant, we obtain and derive several types of data:
While much of the data we obtain does not relate to individuals but rather to households, properties or geographic areas, the data we receive and process may include your personal data.
Personal Data means any piece of information that can be used to identify you.
In a world where our lives are increasingly lived ‘online’, we are all creating personal data in the form of identifiers - when you’re exercising, listening to music online, messaging friends or doing anything that involves a smartphone or connected device. Your fridge, car or washing machine can now be hooked up to the internet - all of these will be generating personal data.
Examples of personal data that we obtain include:
- Contact data — name, postal address, email address, telephone number and date of birth
- Life events — individuals who have recently moved home or had a baby
- Insurance renewal — individuals’ home and motor insurance renewal dates
- Device information — we may also obtain information about the electronic devices you have used when using web and app services including the make, model, operating system, IP address, browser type and mobile device identifiers. While on its own, device level data cannot identify you as an individual, in certain circumstances this type of data, when linked to other data about you, can be regarded as personal data.
We do not collect personal data directly from you to facilitate marketing communications.
The personal data we hold is sourced from:
Trusted data partners
Our partners have direct contact with you already, and where appropriate notice has been given for them to pass your information to Experian for use in our products and services – these partners include lifestyle surveys, publishers, competition and money saving / offer websites.
Public information, including the Edited Electoral Roll
We also use publicly available information, and a key source is the Edited Electoral Roll (EER), often called the ‘Open Register’. This is a subset of the full Electoral Register or Electoral Roll (ER) which lists the names and addresses of everyone eligible to vote in each Local Authority in the UK.
Your name, address and date of birth will be included in the EER unless you ask your local Electoral Registration Office for them to be removed. Note that your date of birth is only required on the electoral forms when the individual is a “young attainer”, and date of birth is declared to show that they will turn 18 in the upcoming year(s).
Being included in this ‘Open Register’ means that your name and address is publicly available for anyone to purchase from the Local Authority for any purpose, such as direct marketing.
Along with data from our data partners, we use the EER - this subset of the ER - within our marketing database for several purposes:
- Address and age validation - to check that the marketing names and addresses that come from our data partners are valid and to remove any individuals who show as under 18 in the EER
- Source of marketing contact details - to provide additional names, addresses and date of birth (where this exists on EER) to organisations for postal marketing purposes, to help them find potential new customers.
- Matching, linking and insight - names and address in the EER that we don’t see from any other sources are used for matching and linking our segmentations and modelled data to a client’s existing customer base to provide insight. We also use names and addresses from the EER to provide insight into the ‘make-up’ of the UK population across: age (date of birth is provided on electoral forms when the individual is a “young attainer”, with date of birth declared to show that they will turn 18 in the upcoming year(s); composition of the household (based on who lives at that address); and length of residency (based on when we first see a record in EER). These variables inform our models and segments so that what we build for our clients can drive more relevant marketing communications for you.
To find out more about the Edited Electoral Roll click here.
When you first register to vote, you can decide to be on the EER, which means that your name and address is publicly available for anyone to purchase from the Local Authority for any purpose, such as direct marketing. Each Local Authority has their own registration form for the ER and the wording used to explain about the Open Register/EER may vary by Local Authority.
You can opt out of your information being held on the EER at any time by contacting your local Electoral Registration Office and are given the opportunity to opt out annually as part of your Local Authority’s Canvass of all households. Your details will then not be included in the Open Register. Removing your details from the Open Register does not affect your right to vote. More information can be found at https://www.gov.uk/electoral-register.
Experian processes the latest version of the EER, including any monthly updates supplied by the Local Authorities. If you choose to opt out of Experian processing your data for direct marketing purposes, this opt out will always be applied to our marketing database even if your details appear on the EER.
Credit activity data
We do use some information from our credit reference business for the following purposes:
1. Validation and ensuring accuracy - validating marketing names and addresses we see from our data partners to ensure that, as far as possible, these contact names and addresses belong to an individual aged 18+. This reference data also helps to keep our clients’ data accurate, for example by helping to ensure communications are not sent to people at incorrect addresses or to individuals who have passed away; and that we have accurate Titles and Forenames for individuals. This all helps to protect you against fraud by ensuring that communications intended for you, reach you.
2. Insight and modelling - into the ‘make-up’ of the UK population for characteristics across age, gender, number of adults in a household, composition of the household and length of residency. These variables inform our models and segments so that what we build for our clients can drive more relevant marketing communications for you.
3. Matching and linking - matching our modelled data and segments to a client’s existing customer base to help them communicate with you more relevantly (where they have appropriate permissions to do so) and linking together separate address records which an organisation might hold on you and removing duplicated to create a more accurate record for you. This helps our clients to create a better and more consistent marketing communication experience for their customers.
4. Responsible and relevant marketing - through an understanding of a person’s financial history, we enable our clients to uphold responsible lending by screening out marketing contact details from any marketing activity where the financial services being offered are inappropriate to the circumstances of the individual.
The Credit Reference Agency Information Notice (CRAIN) is a processing notice which Experian has developed with the other UK credit reference agencies, with input from the Information Commissioner’s Office and several financial services trade associations. CRAIN (in conjunction with the Information Pages provided on this website) helps to explain these purposes.
For avoidance of doubt, outside of confirming an individual is over 18/resident at the provided address through the presence of a recent active account at the address (1. above), the use of an individual’s financial data is only used for creating credit marketing suppressions to enable responsible marketing (4. above). The only data from the credit activity data used across the other uses are identities (names and addresses) and date of birth. Names and addresses from the credit files are never used to identify or send marketing materials to potential new customers.
Retaining your data for a reasonable time
We keep your personal information for as long as we need to provide marketing services for our clients, and no longer. For more information on the retention periods that apply to each category of personal data go to the Responsible Marketing page here.
Special Category Data
Special category data is personal data which the law says is more sensitive, and so needs more protection.
This refers to data about:
- Racial or ethnic origin
- Religious or philosophical beliefs
- Trade union membership
- Health or sex life
- Sexual orientation
- Genetic data
- Biometric data
- Political opinions
No “special category“ personal data is obtained or processed by Experian Marketing Services in the creation of our own products and services.
We do, however, work with responsible organisations including those in the public sector and political organisations who use our marketing products and services to improve the relevancy of the messages they send you.
We also host customer marketing databases on behalf of some of our clients, so it is possible that we could process special category data if they instructed us to do so. For example, we have instances where we host campaign databases for political organisations, and these contain political opinions collected by the political organisations. In all cases, this data is processed under contract by Experian only for that specific client and is protected by strict Experian data security controls. Any special category data processed on behalf of any political organisation client is done so only for that client, on their instruction, and is not processed or used in any of Experian Marketing Services' generic marketing products and services.
Whilst not personal data, we use aggregated and anonymised information on some of the topics in the list above from public data sources and market research surveys as part of the many measures we use to inform how segmentation clusters like Mosaic are described. For example, the UK Census is accessible to anyone through the Office of National Statistics (ONS) website and contains information on topics such as ethnicity, religious beliefs and health (to name a few). However, this data is available from the ONS website only for geographic areas, for example for Census Output Areas, which contain at least 40 households and 100 persons.
Data relating to children
In GDPR, the age of consent, i.e. when a child is required or able to give their consent for the processing of their own personal data, is 16 years of age, although EU member states are allowed to allocate their own age of consent, provided that this does not fall below the age of 13. In the UK, the age at which individuals are considered capable of giving consent is 13.
In our marketing services business, we do not knowingly process any personal data of individuals under 13 years of age.
For clarity, the electoral register of voters contains information about several hundred thousand seventeen year olds (known as “attainers“), and personal data on these data subjects is processed by Experian.
For our marketing services, we only use an extract of the full Electoral Roll, called the Edited Electoral Roll. Your name and address will be included in the edited version unless you ask for it to be removed and any organisation is permitted to use the edited electoral roll for marketing activities. We use the data to provide the name and addresses to clients for postal direct marketing and only those aged 18 or over are included within our prospect marketing database.
Regarding personal data obtained from our data partners, we do not knowingly obtain or process data about children. While we insist that the personal data we receive from our data partners should only relate to individuals aged 18+, we take steps through our internal verification processes to check that any personal data we handle relates only to UK adults aged 18+.
We do obtain and process data about the presence and age of children in a household from sources such as market research surveys. We use this to build models of the likelihood that a household has children and, if so, the likely age of children in the household, which is always banded into broad age ranges. These models help our clients, where appropriate, to ensure that more relevant products and offers are marketed to adults - for example that a 2 for 1 entrance to a theme park is offered to parents / carers who are likely to have children.
Aggregated or Anonymised Data
This is data that can't identify you, either because it's only available for households, properties or geographic areas or because it is individual level data where any personal data that can identify you has been removed. This means it has been anonymised.
Lots of organisations use statistical techniques ('analytics') to identify patterns in behaviour across their customer base. If, for example, a retailer uses data which contains a customer’s name and address along with transaction history to create insight into trends and behaviours across the whole customer base, it is not necessary to know who the individual is, so the name and address can be removed leaving anonymised data to be used in the analytics process.
Examples of aggregated or anonymised data that we obtain include:
- Property information — property type, property value and tenure
- Geographic information — general demographic information (for example age, household composition, marital status) for small areas of geography, such as the areas for which the UK Census results are released which on average contain 150 households or aggregated crime statistics from Police.UK at postcode level (which contain on average 15 households)
- Survey data — anonymised information about consumer buying decisions, attitudes, behaviours or lifestyles from market research surveys or consumer panels
Data of this type is sourced from government sources such as: the UK Census data from the Office of National Statistics, publicly available records, self-reported consumer survey information, aggregated consumer panel and market research surveys (such as YouGov), and websites that have your permission to share information about visitors, public records and historical retail purchases with us.
Models to predict likely characteristics
Experian's marketing database contains actual names and addresses of UK consumers together with a range of modelled data to describe their likely characteristics. Using statistical techniques, Experian uses anonymised data sources to build models to indicate the likelihood an individual, household or geographic area exhibits certain characteristics and behaviours. For example, the likelihood of there being children present in the household, or the likelihood an area has lots of people who might visit a new retail fashion outlet.
A model can’t provide certainty but it can provide insight around what offers or services are likely to be most relevant to a particular group.
Our models are created from aggregated and / or anonymised data from government data sources, publicly available records, self-reported consumer survey information, aggregated consumer panel and market research surveys (such as YouGov), and websites that have permission to share information about visitors, public records and historical retail purchases.
Examples of the modelled data that we build includes:
- Demographics — likely age, gender, marital status, income, occupation and education
- Modelled behavioural and lifestyle characteristics — how likely you are to participate in various hobbies or sporting activities, what your travel preferences might be, the likelihood you use high-tech equipment and your likely purchasing behaviour
- Consumer Groups and Types — using data from a variety of source to create a series of ‘types’ (often called ‘segments’ by marketers) that are likely to contain households or postcodes with similar demographics, lifestyle and behaviours. Our Mosaic segmentation is widely used by organisations across many sectors to understand the likely characteristics of consumers.
Last updated: 7th December 2018