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Privacy

Meanings

EMCAS means EMC Advisory Services Limited and any subsidiary company. It also means any Introducer company which introduces business to EMC Advisory Services Limited and/or its subsidiary companies.

Introduction

Here at EMCAS, the security and privacy of our clients are of the utmost importance and we are committed to providing a safe and private service for all. In order to take advantage of the services we offer, it will be necessary for us to collect personal information. This Privacy Policy sets out the terms by which EMCAS holds and processes any such personal information received.

What information does EMCAS collect about me?

In the course of providing the Service we will need to collect, use and retain details such as your name, address, telephone number, email address and other pertinent details, including policy and account details, in order to validate and process any claim entitlement. We may also require personal details of any other individuals who are joint policy or account holders with you.

We collect personal information from you and/or from your lender, provider of the bank account/credit card/loan, arranger of PPI, arranger of the Life Assurance policy or Endowment Provider/Vendor.

How does EMCAS use my information?

Information is used to enable us to carry out our business of obtaining compensation on our clients' behalf.

However, we may also need to share your data with businesses with whom we outsource some of our processes to (such as letter printing, emailing, faxing and marketing). You can be assured that we enter into binding contracts with these companies and audit them to ensure that they comply with the Data Protection Act and keep your information safe. You can also be assured that your data is completely safe when being transferred between companies.

We may also use your data for profiling purposes. This is to help us understand the types of customers we have and what other services could be useful to them. We may use another company to do this on our behalf but again you can be assured that your information is safe as explained above.

Finally, we also use the contact information you provide us with to contact you in general and about similar services we offer which may be of benefit to you (which you can ask we do not do at any time – more on this later), we may do this by telephone, email, fax, post or SMS. If the service is of a different nature or we wish to pass your information on to a third party for marketing purposes, we will ask for your permission first.

Does EMCAS share my information with anyone?

As mentioned above, we do share your information with other businesses that provide services to us but please be assured your information is very safe. By your acceptance of this Privacy Policy and unless and until we receive written instruction to the contrary, you agree that we may share your personal information with any parties in direct relation to your claim.

You will see on our Letter of Authority that there are boxes for you to tick if you don't mind us contacting you about different services or passing your information on to third party organisations for marketing purposes.

You can contact us at any time and ask that we do not share your information or contact you about other services. You can do this by either telephone, in writing, via fax or email – our contact details are the end of this Policy.

Does EMCAS keep my information?

Relevant personal information will be retained for a period to enable us to provide repeat customers with the most efficient service and to enable us to comply with our legal obligations. In the majority of cases we will retain your information for a period 7 years after our agreement comes to an end. If you agree to be contacted in the future regarding new products and services, we will keep your contact information and use this to contact you.

Cookies

Our website is owned solely by EMC Advisory Services Limited; as such we are only responsible for cookies used on our website and not that of any Introducer or Subsidiary Company’s website.

A cookie is a text file that is set on a user’s computer by a website. In the main, cookies are used so that a website can provide the most efficient service.

Our website uses twenty (20) cookies and those details are provided below:

Originator Name Purpose More
Information
Kiss Insights -
Qualaroo
ki_u

We use Kiss Insights to power our online surveys; the little box that pops up in the bottom right of your screen every now and then. These cookies collect anonymous information such as the response to the survey, and where the users have come from to get to our website.

Click Here
Kiss Insights -
Qualaro
ki_t
Kiss Insights -
Qualaroo
ki_s
ClickTail WRUID

ClickTale is a web usability tool that provides website analytics. These cookies collect anonymous data from users including the pages they visit, how they got to our website, and how they are using the website to help us improve our services to our website users.

Click Here
ClickTail WRIgnore
ClickTail _CT_Data
HitTail hittail_ok

HitTail helps us understand how popular our content is. It only collects anonymous data about the content that has been accessed and how users get to our website, but helps us to help people find the correct information when they are looking through search engines like Google and Bing.

Click Here
Google Analytics __utma

These cookies are used to collect information about how visitors use our website i.e. the number of visitors, the pages visited on the website and where the visitors have come from to the website. The cookies collect information in an anonymous form. The information is used to compile reports to help us improve the site.

Click Here
Google Analytics __utmb
Google Analytics __utmc
Google Analytics __utmz
EMCAS Campaign Code emcas.cpgn Used to remember the Campaign code you previously accessed the site with. -
EMCAS Cookie Policy emcasCookiePol Used to remember your acceptance of our cookie policy. -
Quantcast __qca & mc This is a cookie associated with Quantcast, a digital advertising company. They provide website rankings, and the data they collect is used for audience segmentation and targeted advertising. The main purpose of this cookie is: Targeting/Advertising -
Zopim __zlcmid Cookie which identifies the user, used by Zopim Online Chat widget. -
CloudFlare __cfduid In order to protect our website from security threats such as hackers and to boost its performance, we route our DNS through CloudFlare. This cookie is set by the CloudFlare service. -
ASP.NET Session ASP.NET_SessionId General purpose platform session cookie, used by sites written with Miscrosoft .NET based technologies. Used to maintain an anonymised user session by the server. -
ASP.NET Request Verification __RequestVerificationToken_Lw__ Cookie associated with websites and applications built using ASP.NET MVC technology. It is associated with a particular anti-forgery method to prevent cross site request forgery in user forms. -
Google NID & PREF Google cookies used to help customise ads on Google properties, like Google Search. Cookies are used to remember most recent searches, previous interactions with our ads or search results, and an our website. This helps us to show customised ads on Google. -
YouTube GEUP, PREF, VISITOR_INFO1_LIVE, YSC We use YouTube to embed a selection of videos on our website. The VISITOR_INFO1_LIVE cookie attempts to estimate your bandwidth. The YSC cookie is set by YouTube and is a 3rd party cookie served by the domain youtube.com. The PREF cookie may be used by YouTube to store session preferences that relate to your activity when watching the embedded videos. The GEUP cookie is being used for playing a youtube video. It is being set during loading a youtube video. -

Google Analytics may use the Double Click cookie when collecting data.

EMCAS uses Google AdWords on its website

Google Adwords remarketing allows us to only display adverts we know are relevant to you from your browsing history on our website. For example, if you are interested in PPI, we and other third party websites such as Google, know to advertise PPI related adverts to you. This cookie will not identify you or give us access to your computer.

How to Opt Out of Remarketing and Advertising

If you do not wish to participate in our Google AdWords Remarketing, you can opt out by visiting Google's Ads Preferences Manager.

You may wish to delete or block all cookies from our site or any other website; this can be done through your browser settings. If you are unsure how to do this then the Help function on your browser will show you how to.

Alternatively, to find out more information you may wish to visit www.aboutcookies.org that provides comprehensive information on controlling and deleting cookies for specific web browsers.

Please note that restricting cookies may affect the functionality of our site.

To opt out of being tracked by Google Analytics across all websites visit: http://tools.google.com/dlpage/gaoptout.

Child protection

We only intend to provide our services to people over the age of 16. We do not knowingly collect personal data from children without parental consent.

How do I know my information is secure in the hands of EMCAS?

We use secure transmission methods when receiving or sharing your personal information. We have implemented security policies, rules and technical measures to protect the personal data that we have under our control from:

  • Unauthorised access;
  • Improper use or disclosure;
  • Unauthorised modification; and/or
  • Unlawful destruction or accidental loss.

All personal information provided is kept on a secure server and all employees and data processors who have access to, or are otherwise associated with, the processing of personal data are obliged to respect the confidentiality of any personal data received.

EMCAS become responsible for the security of your information once you have provided it. We are not responsible for its security prior to this time.

Can I see what information EMCAS holds about me?

Of course you can – you can find out what information we keep about you by requesting a copy of it. We will provide this within 40 days upon receipt of your written request, subject to a payment of a £10 charge. This is called a Data Subject Access Request (DSAR) which is a formal request under the Data Protection Act 1998.

To maintain security we may require proof of your identity. We allow you to challenge the data that we hold about you and, where appropriate, you may request that data we hold be corrected or deleted, as necessary.

What rules does EMCAS abide by?

As EMCAS are based within the UK we are required to comply with UK and European legislation, in particular the Data Protection Act 1998 and the Privacy and Electronic Communications Act 2003. For further details on your rights under these acts, please visit www.ico.gov.uk.

What can I do if I have a complaint about EMCAS’ use of my data?

We would like to hear about your concerns first so that we can try and put things right for you. You can do this by contacting us on the details listed at the end of this policy. You can also visit www.emcas.co.uk for details of our complaints procedure.

If you are unhappy with how we have handled your complaint about our use of your data, you can contact the Information Commissioner's Office at www.ico.gov.uk.

I need some help!

If you have any comments or queries in relation to this policy please contact our Compliance department:

 In writing:   

Compliance Department
EMC Advisory Services Limited
EMC House
38-40 Palace Avenue
Paignton
DEVON
TQ3 3HE

By Telephone:   01803 697541 or 01803 697530
By Email:   compliance@emcas.co.uk or claims@emcas.co.uk