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.
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.
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.
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.
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.
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:
|Kiss Insights -
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.
|Kiss Insights -
|Kiss Insights -
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.
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.
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.
|EMCAS Campaign Code||emcas.cpgn||Used to remember the Campaign code you previously accessed the site with.||-|
|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.||-|
|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.
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.
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.
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.
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.
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.
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.
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.
If you have any comments or queries in relation to this policy please contact our Compliance department: