Privacy Policy


Financial Recovery Solutions Limited (FRS) respects your privacy and is committed to protecting your personal data in accordance with the Data Protection Act and the General Data Protection Regulation 2016 (GDPR). This privacy notice will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.



Purpose of this privacy notice


This privacy notice aims to give you information on how FRS collects and processes your personal data through your use of this website, including any data you may provide through this website when you apply for your Free PPI Check.

This website is not intended for children and we do not knowingly collect data relating to children.


Data Controller


Financial Recovery Solutions Limited, company number 6621703 is the controller and responsible for your personal data. We are registered in accordance with the Data Protection Act with registration number Z1484565.

Our Group Compliance Manager is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy please contact us using the details set out below.


Contact Details


Our full details are:

Financial Recovery Solutions Limited,
Plus House,
57 St Petersgate,
Stockport,
SK1 1DH

Email address: dpo@financialrecoverysolutions.co.uk

Telephone number: 0161 850 0680


Third-party links


This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements.


The data we collect about you


Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

  • Identity Data includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.
  • Contact Data includes billing address, delivery address, email address and telephone numbers.
  • Financial Data includes current and past finance details, including bank statements and credit reports.
  • Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
  • Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
  • Profile Data includes your interests, preferences, feedback and survey responses.
  • Usage Data includes information about how you use our website, products and services.
  • Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

Generally, we do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences. However, there may be occasions when we do require health information to progress your claim. We will only process such data with your explicit consent.


If you fail to provide personal data


Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.


Methods of Data Collection


We use different methods to collect data from and about you including through:

1. Direct interactions.

You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you;

  • apply for our products or services;
  • create an account on our website;
  • subscribe to our service or publications;
  • request marketing to be sent to you;
  • enter a competition, promotion or survey; or
  • give us some feedback.

2. Cookies

As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree.

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. You will be asked to provide your consent for us to use cookies upon every visit to our website.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

3. Third parties or publicly available sources.

We may receive personal data about you from various third parties [and public sources] as set out below:

  • Contact details from reputable third party providers. If you wish to enquire about the source of your information you can contact us via any of the methods listed above.

Purposes for which we will use your personal data


We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where we need to perform the contract we are about to enter into or have entered into with you.
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Where we need to comply with a legal or regulatory obligation.
  • Where you give us your express consent to process your data in particular circumstances.

Direct Marketing


We provide you with choices regarding certain personal data uses, particularly around marketing and advertising.

Legitimate Interest is the processing condition we rely upon for direct marketing, which is to inform consumers about our services and our commercial interests in operating our business, which includes acquiring new customers, expanding our operations to provide recruitment opportunities and offering free PPI checks as well as informing customers of the upcoming PPI deadline. Please contact us if you need any further details about this lawful processing condition.

Promotional Offers from us

You will receive marketing communications from us if you have provided your explicit consent via an opt-in box or you have previously purchased similar goods or services from us and, in each case, you have not opted-out of receiving that marketing.

Third Party Marketing

We will only share your personal data with any other company from the Life Plus Group for marketing purposes if it is in our legitimate interests to do so and your interests are not overridden. Such marketing will be in respect of the Group services, which include claims management, debt help and advice, legal service and financial advice which could be done by post or telephone.


Opting out


You do have the right to opt-out from receiving our correspondence, or that of other companies within Life Plus Group Limited, at any time by emailing dpo@financialrecoverysolutions.co.uk or writing to us at Financial Recovery Solutions Limited, Plus House, 57 St Petersgate, Stockport, SK1 1DH or calling 0161 850 0680.


Transferring Data


We do not transfer your personal data outside the European Economic Area (EEA).


Sharing your personal data


Generally we won’t share your data with any external third parties however, we do use external printers, for our mail marketing campaigns, who may process your data on our behalf. Any external printers are subject to a data processing agreement to ensure the safety and protection of your data.


How long will you use my personal data for?


We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.


Your legal rights


You have rights under the Data Protection Act laws in relation to your personal data including;

  • Request access to your personal data.
  • Request correction of your personal data.
  • Request erasure of your personal data.
  • Object to processing of your personal data.
  • Request restriction of processing your personal data.
  • Request transfer of your personal data.
  • Right to withdraw consent.

If you wish to exercise any of the rights set out above, please contact us using the details set out above.


Subject Access Requests


You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.

We respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.


Complaints


You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance using the contact details set out above.