This Privacy Notice explains how Richardson Mail collect, use and store your personal information in order to provide our services.
When you become a customer of Richardson Mail, our lawful basis for processing your personal information is ‘contractual’. In some cases, we may also process information where we have a legitimate interest to do so, as explained in this Notice. If you share any special category data with us (such as information about your health or medical needs), we will only process this with your explicit consent.
Richardson Mail is your Data Controller. This means we are the people responsible for ensuring that all information we hold about you is handled and used correctly. We are registered with the Information Commissioner’s Office (ICO), the data protection regulator, under Registration No Z3263339.
We are owned by MoneyPlus Legal Limited (registration Z9567194), part of the MoneyPlus Holdings Group. You may have been referred to us by another MoneyPlus member firm, but we are your sole Data Controller for the purposes of your claims management service.
You can check the data protection registration of all UK firms on the ICO’s website at ico.org.uk
We may receive your personal information directly from you, from the company that referred you to us (e.g. MoneyPlus Insolvency), and any third party you appoint to act on your behalf, such as a partner or carer. We may also receive information from your bank, creditors, or complaint adjudication schemes.
You can set your browser to not accept cookies, as explained in the links above, but this may mean some features of our sites do not function correctly. If you use your browser to save your password information or similar data for auto- fill forms, we do not have access to these details.
In order to provide your service, we use Personal Information (data) that uniquely identifies you and your situation. The table below explains the information we collect and why.
|Type of Personal Data||Why we need the data and what we do with it|
e.g. Your name, age, date of birth, or address
|We require this to identify and communicate with you. We may also require copies of photo ID, such as passport or driving licence, which will be explained in advance.
You cannot opt out of providing this information.
e.g. Your lender names and reference numbers, history of PPI payments, your current bank account details
|We require these details to know which lenders to investigate claims against, and to provide our services. We may also use your information to process payments and successful claim amounts.
You cannot opt out of providing this information.
e.g. Your occupation, employment status (self- employed, full or part time)
|This is a contractual requirement for our service as it helps us to identify where policies were mis-sold to you.
You cannot opt out of providing this information.
(also called Special Category Data)
e.g. details of physical or mental conditions, and/or sick notes
|We may collect certain Special Category data to identify if you are potentially vulnerable or require further support from us to effectively use our services, but this information will only be stored or used by us if you explicitly consent to this. Information that relates to pre-existing conditions or historic data from the time you held your policy may also assist us in your claim.
You do not have to provide this information.
e.g. IP address, cookies, web browser
The main lawful basis for us to process your information is ‘contractual’. This means that in order to provide the services you have requested from us, we need to use your personal information.
For example if you have contacted Richardson Mail about starting a Payment Protection Insurance claim, we will need to collect information from you regarding your previous names, addresses and details of your accounts held with creditors in order to complete the investigation on your behalf.
In some circumstances, the lawful basis for processing your information may change. For example, if we need to prioritise your vital interests – such as protecting your life – we will take any actions we deem necessary, such as contacting the emergency services.
The lawful basis may also change to ‘legitimate interests’ where we identify a benefit to using your data outside of
our usual contractual service, such as statistical data purposes (though this is usually anonymised to safeguard your information). We may also use our legitimate interests to try and benefit you by letting you know about other services that Richardson Mail or the MoneyPlus Holdings Group offer that we think you would benefit you. Further information on our legitimate interest process is provided in the Marketing section below.
We may share your information with third parties in order to provide the agreed contract. For example, if you begin your PPI claim, we will need to provide information to your lenders in order for them to identify you and locate your account with them.
Where identity checks are required in our services we use mainstream identity verification platforms, such as Experian or GBG https://www.gbgplc.com. This does not impact your credit score. You may be required to provide a copy of your passport, driving licence or other proof of identity documentation to confirm your identity.
We may also use external consultants and specialists, and outsource aspects of our processes to other firms some of whom may be located outside of the European Union. We keep outsourcing activity to a minimum but may use external organisations to assist us with services like quality monitoring, auditing, scanning of documents, record keeping, printing facilities and marketing. For example, we may use OmniSign Limited or Adobe to provide secure facilities for electronically signing/returning documents. All outsourced service providers are carefully vetted and monitored to ensure your information is safeguarded.
You also have the option to appoint someone, such as a spouse or carer, to act on your behalf and deal with Richardson Mail for the majority of our services. You will need to provide separate explicit consent for us to be able to share your information with them, and you can revoke this consent at any time.
In accordance with our legal obligations, we may be required to share information with the police, other law enforcement agencies, government departments or regulatory bodies. We do not share your information with any company outside of Richardson Mail without your consent.
Your personal data may be shared with third parties who are involved in the governance and control of the business such as entities with a vested interest in the business’ performance. In these circumstances your data may be held by an appointed Data Trustee. We will ensure that appropriate data protection standards are in place. Your data may be processed (in accordance with UK Data Protection Legislation) by these third parties in particular circumstances such as, but not limited to, unforeseen business events.
We must retain your information for the full duration of our contractual relationship with you to enable us to provide our service. We will keep your information for a maximum of seven years following the closure of your account to comply with our legal and regulatory requirements. Any personal data we do not believe is necessary to provide our services and all information outside of the retention period is securely destroyed and deleted.
All personal information we hold is securely stored and we conduct our services through computer systems with any paperwork or documents we receive scanned to these systems. If you need to send us important documents, please ensure you keep a copy as we cannot guarantee we will be able to return originals. If we need to forward documents on to any third parties we will ensure that all reasonable measures are taken to ensure their safe delivery and return.
We conduct regular testing of our cyber and physical security procedures to ensure these are sufficiently maintained. If at any time we believe there has been a breach of your personal data, we will notify you immediately. If you believe your personal information may have been shared with an unauthorised third party, you must let us know as soon as possible. You are responsible for keeping any personal passwords, pin numbers or similar security information private.
If you have any concerns about how we have handled or protected your information, we would hope that you contact us to discuss this but you can also escalate your concerns to the UK’s data protection regulator, the Information Commissioner’s Office (ICO). For more information, visit www.ico.org.uk
Under the Data Protection Act 2018, you can enact any of the below rights at any time:
(1) You have the right to access all information we hold about you at any point, and you can request copies of all data we have by contacting us at the details below. Your data will be provided free of charge unless your request is excessive or repetitive, for which Richardson Mail reserves the right to charge an administration fee of £10.00. You must contact us to exercise this right and we will respond within one month.
(2) You have the right to rectify any information you believe is incorrect. Richardson Mail regularly refresh and check your data to make sure it is as accurate as possible but if you believe any details are incorrect, you can request this is amended or removed by contacting us. We will respond within one month to confirm the actions we have taken.
(3) You have the right to request the erasure of your information if you withdraw consent to Richardson Mail processing your data. You should contact us to request this and we will respond within one month. Please note that any right to erasure is overridden by our legal and regulatory record-keeping requirements.
(4) You can restrict the processing of your data in certain circumstances, for example; if you contest the accuracy of the information or if you object to us processing the data we hold about you. You should contact us to request this and we will respond to confirm what action we have taken within one month.
(5) You have the right for your data to be portable, which means that we can provide you with key personal information in a structured, commonly used and machine readable form free of charge. This enables you to transfer data to other companies easily and, if required, Richardson Mail can supply this information directly to another firm if technically feasible. You should contact us to request this and we will provide your data within one month, though this can be extended to two months for complex cases.
(6) You have the right to understand and control automated decision making. Richardson Mail does not currently utilise these types of computer systems. Should this change all customers shall be given sufficient notice to opt out of such services should they choose to do so,
(7) You have the right to withdraw your consent at any time. You cannot remove your consent to some information we process without the contract being terminated (i.e. any data required to meet our contractual obligations) but you have the right to withdraw from the contract.
As standard, we only send marketing information if you have explicitly stated you wish to receive this, and you can withdraw or change your consent at any time. If you have not informed us of your marketing preferences, we would default you to ‘no marketing’.
Over the course of your contract, we may have a legitimate interest to notify you of other products and services that Richardson Mail or the wider MoneyPlus Holding Group provides. We will only do this if we reasonably believe that the services may be of benefit to you, and at no point will your data be shared with firms outside of our parent group. If you have explicitly stated that you do not want to receive any marketing material, you will be excluded from this consideration.
Please note that you will likely receive routine information from Richardson Mail regarding updates of your PPI claim. This type of information is not marketing material but you can change your preferred method for how we contact you at any time.
Call us: 0161 905 1308
Email (all customers): firstname.lastname@example.org
Post (all customers): Richardson Mail, Riverside, New Bailey Street, Manchester, M3 5FS.
If we change how we plan to use your information in the future, we will give you a minimum of 14 days’ notice of this. You have the right to refuse any such changes but it may result in the termination of our service if this refusal affects our ability to provide the contractual service to you. Please contact us if you have any questions about this Privacy Notice or information we hold about you.
Last Updated March 2021