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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:

  • from you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details
  • from you when you contact us with an enquiry or in response to a communication from us, in which case this may tell us something about how you use our services.

2. Using personal information

2.1 HCSA will use personal information for the following purposes:

  • to identify you when you contact us;
  • to help identify products or services which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the information you have provided, any information we hold about you and information from third party agencies (including credit reference agencies);
  • to help administer, and contact you about improved administration of, any accounts or services we have provided before, or provide now or in the future;
  • to carry out marketing analysis, conduct research, including creating statistical and testing information;
  • to help to prevent and detect fraud or loss;
  • to contact you in any way (including mail, email, telephone, text or multimedia messages) about services offered by us and/or selected partners unless you have previously asked us not to do so;

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.

5. Links

This website may contain links to other sites or recommended suppliers. Please remember that we are not responsible for the privacy practices of these other sites. This privacy policy applies only to information collected on this website.