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Effective Date:  November 20th 2024

At UK Credit Secrets (https://UKCreditSecrets.co.uk), we are committed to safeguarding your privacy and ensuring compliance with the General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018. This Privacy Policy explains how we collect, use, store, and protect your personal data.

1. Who We Are

UK Credit Secrets is a UK-based website providing resources and guidance on credit improvement. We are the data controller responsible for your personal data collected through this website.

For any questions, you can contact us:

  • Email: [Insert Contact Email]
  • Address: [Insert Business Address]

2. What Personal Data We Collect

We may collect and process the following types of personal data:

  • Identity Data: Name, title, and other identifiers you provide.
  • Contact Data: Email address and telephone number.
  • Technical Data: IP address, browser type, time zone settings, and other technology on the devices you use to access the website.
  • Usage Data: Information about how you use our website, including pages viewed and time spent.
  • Marketing Data: Your preferences for receiving marketing communications.

3. How We Collect Your Data

We collect personal data in the following ways:

  1. Direct Interactions: When you fill out forms, subscribe to newsletters, or contact us.
  2. Automated Technologies: Through cookies and tracking technologies when you interact with our website.

4. Legal Basis for Processing Your Data

Under GDPR, we process your data based on the following legal grounds:

  • Consent: When you provide explicit consent, e.g., subscribing to our newsletter.
  • Contract: To fulfil a contract with you or provide services.
  • Legitimate Interests: For our legitimate business purposes, such as improving our website and analysing user behaviour.
  • Legal Obligations: To comply with regulatory or legal requirements.

5. How We Use Your Personal Data

We use your personal data to:

  • Provide and improve our services.
  • Respond to inquiries and customer support requests.
  • Send newsletters or promotional materials (only if you opt in).
  • Analyse user activity to enhance the website.
  • Comply with legal obligations.

We will not use your data for purposes that are incompatible with the reasons it was collected.

6. Cookies and Tracking Technologies

We use cookies to enhance your experience. These include:

  • Essential Cookies: Necessary for the operation of our website.
  • Performance Cookies: To track website usage and improve performance.
  • Targeting Cookies: For personalised advertising and recommendations.

You can manage your cookie preferences through your browser settings. For detailed information, please see our CookiePolicy.

7. Data Sharing

We do not sell, rent, or trade your personal data. However, we may share data with:

  • Service Providers: Companies that provide services such as email delivery or analytics on our behalf.
  • Legal Authorities: When required to comply with legal obligations or protect our rights.

All data processors are contractually obligated to handle your data securely and only for the specified purposes.

8. Data Transfers Outside the UK/EEA

If your data is transferred outside the UK or European Economic Area (EEA), we ensure it is protected by:

  • Contracts approved by the UK and EU, such as Standard Contractual Clauses (SCCs).
  • Sending data only to countries deemed to have adequate levels of data protection by the UK Government.

9. Data Retention

We retain your data only for as long as necessary to fulfil the purposes outlined in this policy or to comply with legal obligations.

  • Marketing Data: Retained until you withdraw your consent.
  • Technical and Usage Data: Retained for a maximum of 12 months.

When no longer needed, your data will be securely deleted or anonymised.

10. Your GDPR Rights

Under GDPR, you have the following rights regarding your data:

  1. Right to Access: Request a copy of the personal data we hold about you.
  2. Right to Rectification: Correct inaccuracies in your personal data.
  3. Right to Erasure (Right to Be Forgotten): Request deletion of your data, subject to legal requirements.
  4. Right to Restrict Processing: Limit how your data is processed.
  5. Right to Data Portability: Receive your data in a structured, machine-readable format.
  6. Right to Object: Object to processing based on legitimate interests or direct marketing.
  7. Right to Withdraw Consent: If processing is based on your consent, you can withdraw it at any time.

To exercise your rights, please contact us at [Insert Contact Email]. We will respond within one month of receiving your request.

11. Security Measures

We implement strict security measures to protect your data, including:

  • SSL encryption to secure communications.
  • Regular monitoring for potential vulnerabilities.
  • Restricted access to your data by authorised personnel only.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites and encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We recommend reviewing this page periodically to stay informed about how we are protecting your data.

14. Contact Information

If you have any questions or concerns about this Privacy Policy, or wish to exercise your rights, you can reach us at:

UK Credit Secrets
Email: [Insert Contact Email]
Website: https://UKCreditSecrets.co.uk

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