Privacy Policy

Security and privacy are of paramount concern to Challengeyour.com and we are committed to providing a safe and private environment for all the services we provide.

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 Challengeyour.com holds and processes any such personal information received.

We reserve the right to change this privacy policy and will provide notification of the change at least thirty (30) days prior to the change taking effect.

Collection of Information

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 bank & credit card statements, loan detail and policy details, in order to validate and process any claim. We may also require personal details of any other individual(s) who are joint policyholders with you.

We collect personal information directly from you and/or from your Bank/Insurance Provider/Credit Card Provider subject to receiving all necessary authorisation from you. This is done with your consent and we do not intend to collect information other than:

• To carry out our service.
• To comply with current legislation and other regulations.
• To send you information regarding our company.
• To send you information concerning other products which may be of
  interest to you.

We do not otherwise actively collect information about our clients from other sources, such as public records or bodies or private organizations except as may be required for credit checks. Your personal data will not be disclosed to any government institution or authority unless required by law.

Use of Information

Information is used to enable us to carry out our business of working on your behalf to make a claim.

Disclosure of Information

We do not disclose to any third party the information provided unless it is necessary in order to complete your claim.

Retention of Information

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, such as money laundering regulations.

Once we have completed your claim we will within a reasonable period of time shred all documents including your copy bank statements, unless we are otherwise instructed in writing or via email.

Cookies

We may use “cookies” to store personal data or we may link information stored in cookies with personal data about specific individuals. We would do so only to provide the most efficient service we can. Should you require any further information regarding cookies many sources of information are available online, such as www.cookiecentral.com/faq/.

Confidentiality/Security

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
• 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.

Access to Information

You can find out what information we keep about you by requesting a copy of the information, which we will provide within a month of your written request, subject to payment of a £10 charge. 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.

Privacy Compliance

We are fully registered with the Information Commissioner’s Office (registration number Z9776951), and it is our intention that our services comply with UK and European legislation, in particular the Data Protection Act 1998. For further details on your rights under the Data Protection Act 1998 please visit: www.informationcommissioner.gov.uk.

Mergers, Sales etc

If this business is sold or integrated with another business your details may be disclosed to our advisors and any prospective purchasers and their advisors and will be passed on to the owners of the business.

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.