Our Privacy Policy

We manage this information in a two-fold manner:

• All of our present security features and protocols protect this data within a secure framework.
• Our staff will adopt all available methods to prevent unauthorised third parties from accessing this information.

Client and Third-Party Consent

• Those who submit details into this portal acknowledge that we will hold and process this data. It is also recognised that we may share it with our authorised partners to provide the visitor with specific services and products. These partners will all be authorised and regulated by the Financial Conduct Authority.
• Any information supplied to us in regards to other individuals must only be done so with their prior permission.

Exceptions:

There are nonetheless some instances when we may share this information with other parties. Examples include:

• If our staff believes that failure to do so may cause the individual to suffer harm in some way.
• Circumstances when we are legally obliged to supply this information to a law enforcement agency, a court or a similar governmental body to prevent fraudulent activities.
• We may provide information to third-party sources and providers in order to assist our visitors. All of this information is nonetheless protected under strict privacy protocols and it will only be utilised to provide the client with services that he or she has requested.
• There can be times when third-party firms (such as insurance companies) may analyse information against metrics already in their database. This could occur if they are approached by the client separately.
• This data is exchanged and compared through the services of Insurance Database Services Limited (IDSL). This is a not-for-profit organisation that checks for frauds and dishonest claims. More details can be found here: https://www. insurancedatabases.co.uk.
• Except where it is necessary for the collection of quotations that have been requested by the visitor (and this will only be provided to companies authorised and regulated by the Financial Conduct Authority) personal information is never sold or otherwise distributed without the express permission of the individual.

Google Analytics

This company does not use any form of Google Analytics, since we do not believe that it is in compliance with UK and European privacy standards.

The Processing of Data by Third Parties

Depending upon certain variables, we may employ the use of a third party to process specific data. On occasion, this could include personal details. This action is only performed after we have concluded that the firm in question adheres to the very same strict privacy standards outlined within this article.

Further Contact

• There may be times when any collected data is used to contact customers to offer them relevant products or services (such as the renewal of an insurance policy).
• All clients can choose to cease further communications by unsubscribing from our emails.
• Should communications with ourselves result in third-party contacts, their privacy policies will thereafter apply.

Requests to Access Personal Data

• The Data Protection Act of 1998 obliges our firm to supply the client with details of all collected personal information after the payment of an administration fee.
• Those who desire a copy of these details are asked to send a cheque of £10 pounds payable to Prudent Plus Ltd. Copies of two official documents such as a utility bill or a driving licence are also required as proof of identity.
• Users have the right to request that incorrect details be changed or that their information is removed entirely from our database. We strive to maintain the accuracy of our records and if required, we will ablate such data from the system.
• It is also possible to request other companies to release this information in the same manner. This applies to any firms which have received personal details from ourselves.

Privacy Policy Changes

There can be instances when this privacy policy will be updated based off of changing legislation or governmental regulations. It is within our legal right to make such changes when they are deemed to be necessary.

The Role of Cookies

Cookies are defined as small bits of information that are sent from a website to an operating device. Information is then sent back to this portal when it is visited again.

• Cookies aid when navigating a website. Examples can include remembering prior preferences or relevant products.
• The main intention of cookies is to allow the visitor to access the site in question more effectively.

Legal Regulations Regarding Cookies

Current regulations stipulate that cookies can only be collected if they are deemed necessary to the operations of the company. Any additional details can only be obtained through the permission of the user.

Why We Employ Cookies

Much like millions of other websites, we may utilise cookies (we do not do so at present) in order to ensure that visitors will obtain the most relevant information based upon their needs.

Limits of Our Cookies

Our use of cookies would never involve the collection of personal information nor would any details such as debit or credit card information be stored.

The Length of Time that Cookies are Stored

There are two types of cookies. Session cookies are only active for a single session. Once a browser is closed, they will no longer be present. These are used to temporarily store details such as the text entered within a field. Thus, users can interact with the site more efficiently. Persistent cookies will remain in the system after the session is closed. These provide basic client details so that information (such as an email address or a user name) do not have to be entered on a subsequent visit.

The Different Cookie Functions

Cookies can be divided into four categories:

• Necessary cookies (such as the ability to provide quotations) are vital to the operations of a website. These also allow users to access secure areas.
• Performance cookies provide us with basic metrics about site usage as well as any potential errors. These are not specific to the user and they ensure that the site functions properly.
• Information such as user names, preferred fonts and other details are known as functionality cookies. These allow the site to adjust its appearance in accordance with user preferences.
• Targeted cookies are those intended to provide users with relevant content such as advertisements.

Third-Party Analyses of Our Website

• The usage metrics of our website may be analysed by third-party firms.
• None of these portals will collect the personal information of visitors; they compile generalised statistics. Examples here can include clickthrough rates, the length of time one remains on a specific page and the average number of page views within a browsing session.
• The ultimate intention of these analyses is to enable us to enhance the user experience that is associated with our site.

Your Ability to Manage and Delete Cookies

• If we decide to use cookies, the user will be provided with the option to deny cookie request when visiting our website.
• Cookies can be restricted or blocked by managing the browser settings of an operating system. Choosing the "Help" function will guide the user through this option. Stored cookies within a system can also be deleted by accessing the file management icon.
• Should cookies be disabled under user preferences, it is still possible to access the majority of this site. However, there will be limitations in regards to functionality and certain details may have to be entered on multiple occasions.

Further Details

Additional information in regards to cookies and how they can be managed may be obtained by visiting https://www.aboutcookies.org.

Your Rights Under GDPR

Under UK data protection law, we must have a “lawful basis” for collecting and using your personal information. There is a list of possible lawful bases in the UK GDPR. You could find out more about lawful bases on the ICO's website.

Which lawful basis we rely on may affect your data protection rights which are in brief set out below. You could find out more about your data protection rights and the exemptions which may apply on the ICO's website:

• Your right of access - You have the right to ask us for copies of your personal information. You can request other information such as details about where we get personal information from and who we share personal information with. There are some exemptions which means you may not receive all the information you ask for. You can read more about this on the ICO's website.
• Your right to rectification - You have the right to ask us to correct or delete personal information you think is inaccurate or incomplete. You can read more about this on the ICO's website.
• Your right to erasure - You have the right to ask us to delete your personal information. You can read more about this on the ICO's website.
• Your right to restriction of processing - You have the right to ask us to limit how we can use your personal information. You can read more about this on the ICO's website.
• Your right to object to processing - You have the right to object to the processing of your personal data. You can read more about this on the ICO's website.
• Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you. You can read more about this on the ICO's website.
• Your right to withdraw consent – When we use consent as our lawful basis you have the right to withdraw your consent at any time. You can read more about this on the ICO's website.

If you make a request, we must respond to you without undue delay and in any event within one month. To make a data protection rights request, please contact us using the contact details on our 'Contact us' page.

Our lawful bases for the collection and use of your data

Our lawful bases for collecting or using personal information for dealing with queries, complaints or claims are:

Consent - we have permission from you after we gave you all the relevant information. All of your data protection rights may apply, except the right to object. To be clear, you do have the right to withdraw your consent at any time.

How Long Do We Retain Data For?

We retain personally identifying data only so long as is necessary to conclude any queries you may raise with us.

Like to contact us?

If you wish to make any queries about our privacy policy you can write to us at Customer Services, Prudent Plus Ltd, Booths Hall, Booths Park, Chelford Road Knutsford Cheshire WA16 8GS or