Business Information Data Privacy Policy

This policy

We take your privacy seriously. This Privacy Policy explains what personal information we collect from you and how we use it.
We encourage you to read this policy thoroughly. To make it easier, we’ve broken it up into bite-size chunks and some longer sections. If you want to know more about these sections, just click on the ‘Find out more’ link at the end of each summary.

Who is Experian and how can you contact us?

When we refer to ‘Experian’ in this Privacy Policy, we mean Experian Limited.

Experian is part of a group of companies whose parent company is listed on the London Stock Exchange (EXPN) as Experian plc. The Experian group of companies has its corporate HQ in Dublin, Ireland, and its operational HQs in Nottingham, UK and Costa Mesa, California. You can find out more about the Experian group on our website at

Experian is responsible for processing the personal information you provide to us on this website and this privacy notice covers all the business information websites that Experian operates including:

If there’s anything you’re unsure about in this Privacy Policy, feel free to contact our Data Protection Officer at

What information we collect

We will need to ask you for certain personal information to give you the best possible experience when you engage with us (via our websites or otherwise) and when you use our products and services.  Note that not all of our websites ask for all of this information.

We or our third parties will also collect other information about you and the devices you use to access our website. We do this by using technologies like cookies. See also our Cookie Policy.

Click below to see what types of personal information the websites listed above will ask for or collect.

Contact information
When you apply for Experian services from our websites we will ask you to provide some contact information. Contact information may include some or all of the following: Full name, residential address, land line telephone number, mobile phone number and email address.  We will only retain your Contact information for as long as there is a continuing need to use it.  This could include dealing with disputes/complaints/legal issues.

Payment information
Where the services you select on our website carry a cost, we may ask you to provide some payment information. Payment information may include some or all of the following: Credit/debit card details (card number, expiry date, card security code (CVV) and card billing address. This Payment information is only retained for as long as it is needed, for example, for monthly payments.

Security details
For most of the services you select on our websites, we will ask you to provide security information that only you will know. Security information may include some or all of the following: a memorable word, a security question and answer which may contain personal data. We will retain your Security information for up to three years after the provision of the service.

Device information
We also collect certain data automatically from your visit to our websites or use of our services which may include some or all of the following: How you connect to the internet (IP Protocol Address) and how you engage with our site, screen resolution, Browser data stored on your device (such as cookies – see also Cookie policy – click here), Information about the software you are using such as internet browser, Location data (city, region of the IP address you used when accessing our Products and Services). We will only retain your Device information for as long as there is a continuing need to retain it.

Finally, in some products and services we offer services such as free text chat. We will retain this information for up to 30 months in case it is required to resolve any disputes or complaints. After which it will be deleted or anonymised and retained to help with product development and customer service.

How we use your information

We use your personal information in lots of ways to make our products and services as effective as possible. Note that not all of our websites collect data for all of these purposes. For example, we only collect payment details on online products where you can pay as you go.

Click below to see what the websites listed above use your personal information for:

We will use your information to accept you as a new/returning customer and continue to provide you with our products and services.

Further uses of your personal information not described in this Privacy Policy
If we use your personal information for any purposes that are not set out in this Privacy Policy, we promise to let you know exactly what we will use it for before we go ahead and use it.

What are the legal grounds for handling personal information?

In most cases, the information described above will be provided to us by you because you want to take services from us or engage with us and our use of your information will be governed by contract terms. Giving this information to us is therefore your choice. If you choose not to give all or some of it to us, this may affect our ability to provide the services you want, to you. In particular, we may rely on this condition for processing in the following scenarios:-

  • To enable you to access our website and use our services
  • To let you know about significant changes to product, terms or privacy policy and to send you service communications
  • To confirm your identity and authenticate the information you provide
  • To process payments and collect arrears.
  • To provide and improve customer support.

We rely on the consent ground for handling your personal information in the following scenarios:

  • Marketing for additional products and services from Experian or Experian marketing third party products and services we think you might be interested in.
  • Market research
  • Administration of prize draws, competitions, membership offers, surveys and other promotional activities.

Legitimate Interests
In the United Kingdom, we can also use personal information where the benefits of doing it are not outweighed by the interests or fundamental rights or freedoms of data subjects. The law calls this the “Legitimate Interests” condition for processing. For example we may use data collected from our websites for:

  • Helping to prevent and detect crime such as fraud and money laundering. Fraud and money laundering cost the British economy many billions of pounds every year. That cost is ultimately passed on to the public in the form of higher prices. By helping to avoid fraud such as identity theft, we help to stop this from happening.
  • Complying with/supporting compliance with legal and regulatory requirements. Additionally, the services we provide help other organisations to comply with their own legal and regulatory obligations. For example, Experian is regulated by the Financial Conduct Authority.
  • Internal training purposes - to enable us to train our staff to better provide services to our customers.
  • Reporting and analytical purposes – to provide management information and information to improve our services.
  • Website usage tracking activity – to help us to improve our services.
  • To maintain our records and other administrative purpose - to enable Experian to provide the most accurate data for our customers and clients.
  • Complaint and dispute resolution – we will need to use customer data when investigating queries and complaints.
  • To improve data accuracy and completeness - when you use our My Business Profile service.
  • Email tracking to improve our communications to our customers.
  • Debt Collection.

Who we share your personal information with

We share your personal information only with those persons who need to handle it so we can provide the Experian products and services you’ve signed up to. We also share it with companies within the Experian group who manage some parts of the services for us, with suppliers who provide services to us which require access to your personal information only and with resellers, distributors and agents involved in delivering the services we provide where necessary for them to do so.

Lastly, we may also provide your personal information to fraud prevention agencies. This is to protect the Experian group of companies and our customers, to keep our systems secure, or where it’s necessary to protect either yours or our best interests.

Click below to find out more about who and why we share your information with others.

1. Group companies
As a member of the Experian group of companies, we can benefit from the large IT infrastructure and expertise that exists within our business. This means that the personal data you provide to us may be accessed by members of our group of companies for support and administrative purposes.

2. Suppliers
We use a number of service providers to support our business and these service providers may have access to our systems in order to provide services to us and/or to you on our behalf.

3. Resellers, distributors and agents
We sometimes use organisations to help provide our products services to clients and customers. Personal information may be provided to them in connection with this purpose.

4. Fraud prevention agencies
We will check your details with the records we hold and share with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, we will record this and details will be passed to the other fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities.
  • Managing credit and credit related accounts or facilities.
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

Please contact us at Experian Ltd, PO Box 8000, Nottingham, NG80 7WF if you want to receive details of the fraud prevention agencies.
We and other organisations may access and use the information recorded by fraud prevention agencies from other countries.

5. Public bodies, law enforcement and regulators
The police and other law enforcement agencies, as well as public bodies such as local and central authorities can sometimes request personal information. This may be for the purposes of preventing or detecting crime, apprehending or prosecuting offenders, assessing or collecting tax, investigating complaints or assessing how well a particular industry sector is working.

6. Individuals
You can obtain a copy of the information we hold about you. See section 'Your rights to how we use your personal information' for further information on how you can do this.

7. We will use your payment information to show how well you are paying your bills.  This information will be shared with other organisations through our Payment Performance programme.  For further information on how this works please see the Credit Reference Agency Information Notice (CRAIN).

Where in the world do we send information?

Experian is based in the UK, which is where our main databases are. We also operate elsewhere in and outside the European Economic Area, so we may access your personal information from and transfer it to these locations as well. Don’t worry though, any personal information we access from or transfer to these locations is protected by European data protection standards.

Click below to find out more about where we send your information and how it is protected.

While countries in the European Economic Area all ensure rigorous data protection laws, there are parts of the world that may not be quite so rigorous and don’t provide the same quality of legal protection when it comes to your personal information.

To make sure we keep your personal information safe, we apply strict safeguards when transferring it overseas. For example:

  1. Sending your personal information to countries approved by the European Commission as having high quality data protection laws, such as Switzerland, Canada and the Isle of Man
  2. Putting in place a contract that has been approved by the European Commission with the recipient of your personal information that provides a suitable level of high quality protection, or
  3. Sending your personal information to a member organisation approved by the European Commission as providing a suitable level of high quality protection. For example, the Privacy Shield Scheme that exists in the US.

Still want to know more about the safeguards we use to protect your personal information overseas? Feel free to contact our Data Protection Officer at

Your rights to how we use your personal information

If our right to process or share your personal information is based on the fact that you’ve given us consent, you have the right to withdraw that consent at any time by contacting us on 0115 941 0888

You can also ask for access to the personal information we hold about you and request that we correct any mistakes, restrict or stop processing or delete it. We will assess your request and subject to legal or overriding requirements to keep it we will act on your request, but please note that this does not mean that we will delete negative information about you if it is confirmed to be correct.  Credit checking relies on having both positive and negative information in order for lenders to correctly assess your ability to repay any credit you receive.  If that is the case, we will explain why. To request a copy of the personal information we hold about you, please follow this (link)

In certain circumstances (e.g. where you provide your information to us (a) with consent to process it or (b) where the processing is necessary for the performance of our contract with you) you can require that we provide the information we hold about you either to you or a third party in a commonly used format. This only applies if we are processing it using automated means. If you would like more information about this, let us know by contacting our Data Protection Officer on

Problems with how we handle your information or rights

We will try to ensure that we deliver the best levels of customer service but if you think we are falling short of that commitment, please let us know by contacting our Data Protection Officer on  You may also see our full complaints handling procedure and how to make a complaint.

If we cannot resolve things under that procedure, then if you are a qualifying business or an individual you may have the right to refer your complaint, free of charge, to the Financial Ombudsman Service. The contact details for the Financial Ombudsman Service are:

You also have the right to contact the Information Commissioner’s Office (ICO), the supervisory authority that regulates the handling of personal information in the UK. You can contact them by:

  • Going to their website at
  • Phone on 0303 123 1113
  • Post to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF

You may also have the option to register your complaint using the European Commission Online Dispute Resolution (ODR) platform This is a web-based platform that is designed to help consumers who have bought goods or services online to deal with issues arising from their purchase.

How we keep your personal information secure

Online privacy and security is the most important aspect of any customer service and we take it extremely seriously. We use a variety of the latest technologies and procedures to protect your personal information from unauthorised access, destruction, use or disclosure.

Click below to see more about our safeguards and security measures for handling your information.

We have put in place various safeguards to ensure that individuals’ whose personal information we handle are not unduly harmed by the activities we use their personal data for. These include making information available to individuals so that they understand how their personal data will be used by Experian, explaining their rights to obtain the information we hold and to have their information corrected or restricted and providing information about how individuals can complaint if they are dissatisfied.

We restrict access to your personal data to those employees, and third parties, who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your personal data.

Experian have a comprehensive Global Security Policy based on internationally recognised standards of security (known as ISO27001 standard) and holds ISO27001 certification in the key areas of Global Security Admin team who are responsible for administering logical access to systems and in the Data Centre.

Experian has a dedicated Cyber Security Investigations team who safeguard Experian’s key assets such as its systems and storage facilities. This team, identify and effectively manage any security developments that may threaten Experian's people, process, or technology through intervention and the thorough investigation of security incidents. Experian holds Cyber Essentials Certification and performs risk assessments against our critical and external facing applications annually.

Experian is annually audited by an External QSA (Qualified Security Assessor) from Trustwave and have successfully maintained compliance since 2010.

How long we keep your personal information for

We’ll keep your personal information for the periods set out in the section ‘What information we collect’ above, and where we were not able to give a specific period, we will keep it only as long as we need it to provide the Experian products and services you’ve signed up to. We may also keep it to comply with our legal obligations, resolve any disputes and enforce our rights. These reasons can vary from one piece of information to the next and depend on the products or services you’re signed up to, so the amount of time we keep your personal information for may vary.

Click below to see more details about the logic behind how long we keep your information.

Contact Information
Contact information such as names and addresses are kept while there is a continuing need for us to have it.

Payment Information
Payment information such as card and bank details are kept while there is a continuing need for us to have it.

Security Details
Security check information such as date of birth and answers to questions such as “what is your mother’s maiden name?” are kept while there is a continuing need to retain it.

Device Information
Device information such as how you connect to the internet and screen resolution are kept for up to 3 years after the provision of the service.

Finally, in some products and services we offer services such as free text chat. We will retain this information for up to 30 months in case it is required to resolve any disputes or complaints. After which it will be deleted or anonymised and retained to help with product development and customer service.

In all of these cases, our need to use your personal information will be reassessed on a regular basis, and information which is no longer required for any purposes will be deleted/disposed of securely.

Changes to this Privacy Policy

We can update this Privacy Policy at any time and ideally you should check it regularly for updates. We won’t alert you to every little change, but if there are any really important changes to the Policy or how we use your information we’ll let you know and where appropriate ask for your consent.