Privacy Notice

What you need to know

This policy sets out Property Redress Scheme's commitment to ensuring your data privacy. It includes information on the data which we collect, how we use it, who we share it with and how long we keep it for. It also outlines your rights in relation to your personal data.

HF Resolution Trading as Property Redress Scheme (Registration number: 08994516) registered office Premier House, 1^st Floor, Elstree Way, Borehamwood, WD6 1JH.

This privacy notice relates to personal information that identifies you as a natural person (whether you are an actual or potential customer, an individual who browses our website or an individual outside our organisation with whom we interact). We refer to this information throughout this privacy notice as personal data or personal information and further detail of what this includes are set out in this privacy notice below.

The privacy and security of your personal information is very important to us, so we want to assure you that your information will be properly managed and protected by us at all times. Please read this privacy notice carefully as it explains how we may collect and use your personal data.

This privacy notice may vary from time to time so please check it regularly.  This privacy notice was last updated in 25 November 2020.

How to contact us

For the purposes of relevant data protection legislation, we are a controller/processor of your personal data.  As a controller/ processor we use (or process) the personal data we hold about you in accordance with this privacy notice.

If you need to contact us in connection with the use or processing of your personal data, then you can do so using our contact details below.

Email: info@theprs.co.uk

Telephone: 0333 321 9418

What information we hold about you and where we obtain it

The personal data that we collect about you may include the following information: 

• Personal data you provide to us in person, via our website or by telephone
• Personal data you provide when you enquire about the membership
• General information about you, such as your name, address, contact details and date of birth
• Personal data you provide if you subscribe to any of our mailing or newsletter services
• Your claims and credit history
• Financial details, such as your bank account and card details
• Criminal convictions
• Information about your use of our website such as your IP address, which is a unique number identifying your computer, including personal data gathered using cookies

In addition, we may obtain data about criminal convictions, and this privacy notice specifically sets out how we may process these types of personal data.

We collect your personal data from you as a controller when we obtain quotations for your membership, when you set up your membership and when you make changes to your membership. Data will also be collected where you wish to join one of our Schemes or accept other products and services we offer. This may involve the collection of data from or about others who are associated with you and your membership such as other tenants.  By giving us information about someone else for the purpose of arranging Scheme membership you confirm that you have their permission to do so and that you have shared this privacy notice with them.

We also collect information from publically available sources and third party databases made available to the relevant industry for the purposes of reducing fraud and financial crime as well as any other third party databases where your personal data may be held, provided such third parties have lawful bases on which to share such personal data with us.

How we use your personal data and the lawful basis for doing so

Where we use consent to process your personal data, we will give you the exact reason we need to process that data.

We may rely on one or more of the following legal bases when processing your personal data for the following purposes:

Who we pass your personal data to

The information you share with us may be transferred by us to other countries in order for processing to take place, including locations outside of the UK and the European Union. We will only do so if there are adequate levels of protection in place as required by applicable data protection laws.

Accessing our website

When you visit one of our websites we may collect information from you, such as your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of customer website traffic, such as who visits and why they visit. We use third parties to collate IP addresses to help us understand our Internet traffic data and data regarding your browser type and computer. We may also use web usage information to create statistical data regarding the use of our website.  We may then use or disclose that statistical data to others for marketing and strategic development purposes, but no individuals will be identified in such statistical data.

We also use cookies on some pages of our website. For more information on the cookies we use please see our cookie policy.

Data retention and security

We will only store your data for as long as is necessary to comply with the requirements of your membership and any legal obligations or lawful processing conditions that may exist as a result. All data is stored in line with our retention policy and with strict information security guidelines. For more information on data retention or security please contact us using the contact information above.

Your rights

You have a number of rights concerning the personal information we use, which you may ask us to observe. In some cases even when you make a request concerning your personal information, we may not be required, or be able to carry out your request as this may result in us not being able to fulfil our legal and regulatory obligations under the lawful processing conditions under which we hold your data or because there is a minimum statutory period of time for which we have to keep you information.

You can ask us to:

• Confirm the personal data which we process
• Provide a copy of your personal information
• Correct or delete unnecessary or inaccurate  personal information
• Restrict or to object to the use of your personal information at any time
• Object to any automated decision, including profiling which may have been used by insurers when underwriting your quotation. Where an automated decision has been made we will advise you of this and of your rights
• Provide your personal data in a structured, commonly used and machine-readable format and to have your personal data transferred to another controller. This right only applies where our processing of your personal data is automated and the processing took place initially with your consent or for the performance of a contract with you
• Where we rely on your consent to use your personal information, you can withdraw that consent at any time.  Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you don’t want us to contact you again

If you have any questions or concerns about this privacy notice or your data protection rights please contact us using our details set out at the beginning of this privacy notice.

You also have the right to make an enquiry or to complain to the Information Commissioner’s Office (ICO) if you are unhappy with our use of your data, or if you think we have breached a legal requirement.  Further details about the ICO are available at:  www.ico.org.uk.

How we contact you about other products and services

We may from time to time process your personal data to let you know about similar products and services that may be of interest to you. This is because we value your custom and we pride ourselves in offering professional and tailored advice which meets your specific needs. This includes keeping you informed on the latest insurance and industry information and details of any offers or promotions. Our lawful basis for processing your personal data in this way is as is necessary to pursue the legitimate interests of our business, unless we have otherwise obtained your consent to do so. We may contact you by post, telephone or e-mail. You will be given the option to stop receiving any communications from us in this regard at any time however please note that this will not affect us contacting you about the servicing of products that you have specifically requested from us.