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Privacy

Who are we?

EMC Advisory Services Ltd (“EMCAS” or “we”) are a claims management company who provide a service by helping consumers reclaim compensation for the mis-selling of financial products, we help consumers to understand if they have been mis-sold a financial product (Endowments, PPI, Savings and Investments, Pensions and Packaged Bank Accounts) and if they have, we work to get compensation back for them.

EMC Advisory Services Ltd is committed to ensuring that your privacy is protected, we adhere to the Data Protection Act (1998), and the Privacy and Electronic Communications Regulations (2003).

EMC Advisory Services Ltd trades under the name ‘EMCAS’

This privacy policy sets out how EMCAS Advisory Services Ltd ‘EMCAS’ uses and protects information that you provide us. For the Data Protection Act 1998, the Data Controller is EMC Advisory Services Ltd, our registered address: Horizon House, Guardian Road, Exeter, EX1 3PD

Can I see what information you hold about me?

You have the right to know what information EMCAS holds about you, therefore you can submit a subject access request for free, simply put your request in writing to us by the methods below.

Please note: 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.

If you have a question or complaint about Data Protection, you can contact our Data Protection Officer by the following methods:

 

Letter:          Data Protection Officer

                        Horizon House

                        Guardian Road

                        Exeter

                        EX1 3PD

 

Email:              In the subject line please reference: FAO Data Protection Officer

                        compliance@emcas.co.uk

 

EMC Advisory Services Ltd may change this policy now and again. We recommend that you check this page from time to time to keep up to any changes made.

 

How did we obtain your information?

 

EMCAS employ Data Gathering companies who provide us with records of consumers, who we believe we can potentially help with our services. The information we are provided with is;

 

  • Name;
  • Address; and
  • Telephone number (landline or mobile)

 

 

What additional information does EMCAS collect?

 

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 any other pertinent details. We do this to validate and process any claim entitlement. We may also require personal details of any other individuals who are joint policy account holders with you. We may need to ask for details of any pre-existing medical conditions, on many occasions your banking provider or the Financial Ombudsman may request this information, it sometimes can play a crucial part of your claim.

 

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

 

Individual Rights

 

EMCAS is obligated under the General Data Protection Regulation (GDPR) to advise its consumers and clients what legal basis we use for processing your data, along with what these processes are and why we believe we need to use your information for the processing activity.

 

EMCAS will process your data for the purpose of your claim under the legal basis ‘contract’, sharing and processing your data with your banking provider, building society or IFA. EMCAS cannot provide you a service without undertaking this type of processing.

 

What processing will you do with my information?

 

EMCAS will process your data for processing your claim, sharing your information with your banking provider we will use the legal processing basis ‘Contract’ for this type of processing.

 

Who do you share my data with?

 

Third Party

What information is shared

Reason for Processing

AC Print

Name, Address, Postcode, Policy Numbers.

EMCAS use AC Print to print and send all letter correspondence to our clients.

Banking Providers, Lenders and IFAs

Name, Address, Postcode, Date of Birth, previous and current Health conditions, policy numbers, bank details, loans, credit cards, mortgage, pension details.

To provide you with our services, EMCAS will need to share and obtain details from your Banking Provider to process a claim.

Docu-sign

Name, Address, Postcode, Date of Birth, Product, Policy Numbers.

EMCAS use Docu-sign to send you, your claims pack and Letter of Authority, if you have requested via this method.

Michelmores Solicitors

All case details, correspondence including any call recording.

Where EMCAS requires to take legal action to recover invoice payments, EMCAS will use Michelmores Solicitors implement proceedings

Financial Ombudsman Services (FOS)

Name, Address, Postcode, Date of Birth, Health pre- and current conditions, policy numbers, bank details, loans, credit cards, mortgage, pension details.

If EMCAS does not agree with the outcome of your outcome, we may want to take it the FOS to appeal the decision.

Legal Ombudsman Services (LEO)

Name, Address, Postcode, Date of Birth, previous and current Health conditions, policy numbers, bank details, loans, credit cards, mortgage, pension details including All case details, correspondence including any call recording.

If you happen to complain to EMCAS and we have provided you with a final decision letter. If you do not agree with our response you can go to the LEO to appeal your compliant.

Microsoft

Name, Address, Postcode, Date of Birth, Health pre- and current conditions, policy numbers, bank details, loans, credit cards, mortgage, pension details including All case details, correspondence including any call recording.

EMCAS use Microsoft to Microsoft software, to run our systems and store information. Don’t worry this is secure and only accessible by EMCAS. 

 

How long do you keep my data for?

 

EMCAS will retain information in accordance with our data retention policy, deletion policies and our security policy. All our policies will set out the criteria we use to determine how long we keep your information for. This will include what measures are put in place to keep your information safe and secure. When deciding what to retain, we will consider what information we need to best provide you with our services.

 

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 control from:

 

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

 

All personal information provided is kept on secure servers and all employees and data processors who have access to, or are otherwise associated with, the processing of personal data is 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.

 

Future Marketing

 

It is important to EMCAS that it provides the best service to all our clients, to help us do this from time to time we like to contact our client about other products and services. When signing up to EMCAS we ask you to sign a Letter of Authority, we also ask you the following marketing questions

 

EMCAS would like to contact you by email to keep you up to date with your claim, if you would be happy for EMCAS to contact you by email for this purpose please tick the box:

 

From time to time EMCAS would like to contact you about future financial products and services which we may offer, if you are happy to be contacted by EMCAS please tick your preferred method. If you don’t want to be contacted then just simply leave the boxes blank:

Email Telephone Post Email

 

In the future EMCAS would like to pass your details onto third parties, don’t worry we won’t pass on your detail without contacting you and letting you know who. If you are happy to be contacted by EMCAS about this in the future please tick your preferred method. If you don’t want to be contacted then just simply leave the boxes blank.

Email Telephone Post Email

 

You can withdraw or amend your consent at any point by emailing our Compliance Department compliance@emcas.co.uk or calling us on 01803 226 936.

 

EMCAS uses Google AdWords in 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 we 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.

 

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.

 

 

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 privacy policy. You can also visit www.emcasclaims.co.uk  for details of our complaint 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

Horizon House

Guardian Road

Exeter

EX1 3PD

 

By Telephone

 

01392 345 570

By Email

compliance@emcas.co.uk

 

Child Protection

 

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