HCSA believes it is important to protect your privacy and we are committed to giving you a service that meets your needs in a way that also protects your privacy. This policy explains how we may collect information about you and then use it to meet your needs. It also explains some of the security measures we take to protect your privacy.
When we first obtain information from you, or when you take a new product or service from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services. You can normally do this by ticking a box on an application form or contract. You may change your mind at any time by emailing us at the address below.
1. Collecting information
We may collect personal information from a number of sources, including the following:
2. Using personal information
2.1 HCSA will use personal information for the following purposes:
2.2 We may allow other people and organisations to use information we hold about you for the purpose of providing services you have asked for, as part of the process of selling one or more of our businesses, or if we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.
2.3 We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance reasons.
2.4 We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.
2.5 In connection with this contract we may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be taken into account in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments. If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations.
3. Protecting information
We have strict security measures to protect personal information.
4. The internet
4.1 If you communicate with us using the Internet, we may occasionally email you about our services. When you first give us personal information through our website, we will normally give you the opportunity to say whether you would prefer us not to keep you informed of other products and services by email.
4.2 Please remember that communications over the Internet, such as emails and webmails (messages sent through a website), are not secure unless they have been encrypted. We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.