Privacy Policy \\

This policy

We take your privacy seriously. This Privacy Policy explains what personal information we collect from you and how we use it.

We encourage you to read this policy thoroughly. To make it easier, we’ve broken it up into bite-size chunks and some longer sections. If you want to know more about these sections, just click on the ‘Find out more’ link at the end of each summary.

Who is Runpath and how can you contact us?

When we refer to ‘Runpath’ in this Privacy Policy, we mean Runpath Group Limited and its subsidiaries, including Runpath Regulated Services Limited.

Runpath Group Limited is registered in England and Wales under company registration number 06824947 and having its registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.

Runpath is a subsidiary of Experian Limited. Both Runpath and Experian Limited are Data Controllers registered with the Information Commissioner’s Office.

Runpath is responsible for processing the personal information you provide to us on these websites:

https://energy.gocompare.com/gas-electricity/

https://www.runpathdigital.com/gas-electricity/

https://energy.confused.com/gas-electricity

https://www.lovemoney.com/gas-electricity/

https://money.comparethemarket.com/loans/

https://yolt.runpath.com/gas-electricity/

https://mercercomparison.runpath.com/gas-electricity/

https://mercercomparison.runpath.com/mortgages

https://aspokesmansaid.runpath.com/gas-electricity/

https://asap.lovemoney.com/gas-electricity/

If there’s anything you’re unsure about in this Privacy Policy, feel free to contact our Data Protection Officer at UK.DPOBusinessEnquiries@Experian.com.

What information we collect

We will need to ask you for certain personal information to give you the best possible experience when you engage with us (via our websites or otherwise) and when you use our products and services.

Click below to see what types of personal information we will ask for or collect. This section includes information on cookies.


[Find out more]

Contact Information

When you utilise Runpath Services we will ask you to provide some contact information. Contact information may include some or all of the following:

Full Name

Residential Address

Previous Residential Address(es)

DOB

Landline Phone Number

Mobile Phone Number

Email Address

We will only retain your Contact information for as long as there is a continuing need to retain it.


Payment Information

For the purposes of completing a switch using Runpath’s gas and electricity comparison service, we will ask you to provide some payment information. Payment information may include some or all of the following:

Bank Details

Runpath is only acting as a data processor for this data. Your chosen energy supplier is the data controller and you should read their privacy policy for more information.

We will only retain your Payment information for 90 days


Device and Interaction Information

We (Ourselves, via the use of cookies, and via third parties including Adobe Analytics and Google Analytics, whose privacy policies can be viewed here: https://policies.google.com/privacy?hl=en-GB&gl=uk; https://www.adobe.com/uk/privacy/policy.html) may collect certain data automatically about your visit to our website, or use of our Services. This may include but is not limited to the following data:

  • How you connect to the internet and how you engage with our site
  • Browser data stored on your device (such as cookies, see further detail below)
  • Location data determined using an anonymised version of your IP address, or location information from your mobile device or web browser
  • Information about your web browser such as browser type, browser language, advertising identifier.
  • Information about your device such as device type, operating system, connection speed, internet service provider, and display settings (such as screen size and resolution)
  • Your web browsing activity on our services, including the URLs and names of the web pages you visit on our site, time of day of your visit, time spent on each page, and what you do on them including whether you clicked on link, image or text on our site or downloaded a file, image, etc.
  • The URL of the page that displayed the link that you clicked on, which brought you to our website and the web search you performed that led you to our website
  • Social network profile information
  • Information you may provide on our app, or when interacting with that company’s social media pages, such as information you provide on forms.

We do not use any of this data to identify you, it is stored anonymously and used to improve our services and track sales.

We will only retain your device and interaction information for as long as there is a continuing need to retain it.


IP Address

We will process your IP address in order to allow us to identify legitimate clicks across our services. We need to do this to allow our business to function and so that we can provide the service to you. They are never used to identify you.

We will only retain your IP address for as long as there is a continuing need to retain it.


Credit Information

As part of the SmartSearch Service we will collect data from Credit Reference Agencies in order to provide your eligibility results. For further information see the credit eligibility section in How we use your information

We will only retain your credit information for 90 days


Sales Accreditation Data

As part of the comparison services for financial products we may collect data from the provider or broker from whom you take out a product via our website. This data may include the status and outcome of your application and details of the product you took out.

We will only retain your Sales Accreditation Data for as long as there is a continuing need to retain it.


Application and Server Logs

We store logs of activity on our applications, this isn’t tied to a user but does include the IP address that activity originated from. We use this information to identify and fix issues and to identify and prevent fraud and security issues.

We will only retain logging information for 30 days


Other

Finally, we also collect, or you provide, in certain services and/or circumstances:

Time at address

Salary/Income

Employment status

Employment duration

Gas & Electricity meter numbers

Gas & Electricity usage

We will only retain your Other information for as long as there is a continuing need to retain it.


Cookies

If your browser is set up to accept them, we also use a feature known as a cookie. Cookies contain bits of information that websites transfer to your computer’s hard drive for record keeping purposes. Cookies can make the web more useful by storing information about your preferences on a particular site.

Some of the cookies listed are managed for us by third parties – where this is the case we don’t allow the third party to use the cookies for any purpose other than those listed.

Accepting these cookies is a condition of using the website, so if you prevent them we cannot guarantee how our site will perform for you.

Most web browsers automatically accept cookies. However, you do not have to accept cookies and you can, should you choose to at any time, reject or block the use of cookies and delete all cookies currently stored on your device. You can find out how to do this for your particular browser by clicking “help” on your browser’s menu, or by visiting: www.allaboutcookies.org.

The promoter or introducer to this service may implement their own cookies and you should look at their individual privacy policies for more details, you can usually find this at the very bottom of the web page; there may be a separate policy for cookies. Runpath doesn’t use cookies for the purposes of targeting ads, but the promoter or introducer of a Runpath service might!

Advertising networks that serve ads on our services may also use cookies, but please note that we neither control nor have access to those cookies. These advertisers’ uses of cookies are subject to their own privacy policies and not that of Runpath.

The cookies used by Runpath can be categorised according to the International Chamber of Commerce guide for cookie categories:

  • Strictly Necessary cookies allow you to move around our services and use essential features i.e. they let our services work!
    We use Strictly Necessary cookies to remember things like information you’ve entered on order forms when you navigate to different pages in a single web browser session.
    Strictly Necessary cookies will not be used to gather information that could be used to advertise products or services to you, or remember your preferences or username beyond your current visit. Accepting these cookies is a condition of using the services, so if you prevent these cookies we can’t guarantee your security or predict how our website will perform during your visit.
  • Performance cookies collect information about how you use our services e.g. which pages you visit, and if you experience any errors. These cookies don’t collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users and measure how effective our advertising is.
    We use performance cookies to provide statistics on how our services are used; to see how effective our adverts are; to help us improve our services by measuring any errors that occur; and to test different designs.
    Performance cookies won’t be used to gather information that could be used to advertise products or services to you on other websites; remember your preferences or username beyond your current visit; target adverts to you on any other site.
  • Functionality cookies are used to provide services or to remember settings to improve your visit.
    We use Functionality cookies to show when you’re logged in to a service and to display content you’ve expressed a preference to see when you’re logged in to a service.
    Functionality cookies will not be used to target you with adverts on other websites.

Cookie Vendor & Name

Category

Detail

Google Analytics

__utma

Performance

Google Analytics is a tool that helps us measure how you interact with website content. As you navigate between web pages, Google Analytics allows us to record information about the page you’ve seen, for example the URL of the page. Google Analytics use HTTP Cookies to "remember" what you’ve done on previous pages / interactions with the website.

We use these cookies to improve our services.

If you do not wish to allow the use of Google Analytics cookies at all, Google provides an opt-out plug-in for most common website browsers http://tools.google.com/dlpage/gaoptout.

__utmb

__utmc

__utmt & __utmt_lm

__utmz

_ga

_gat

_gid

__gads

Adobe Analytics (also known as Omniture SiteCatalyst and Adobe SiteCatalyst)

s_cc

Performance

Adobe Analytics cookies help us to personalise and improve the performance of our services. We use Adobe Analytics to collect and analyse information, such as clicks made by users of our services, and to differentiate requests from different browsers.

Please see Your Privacy Choices to learn more about your choices for opting out of companies’ use of Adobe solutions.

You can find out more about these cookies here and view Adobe’s privacy policy here.

s_lastvisit

s_sq

s_vi

s_fid

s_nr

captureKey

Incapsula

incap_ses_[id]

Strictly Necessary

Incapsula provides our Web Application Firewall, an important tool used to improve the security of our applications, these cookies support that service.

nlbi_[id]

Microsoft

ASP.NET_SessionId

Strictly Necessary

This cookie stores a unique identifier for your session. This is anonymous and you can find more technical information here.

.AspNetCore.Antiforgery.[id]

X-XSRF-TOKEN

These cookies are used to improve the security of our services.

ai_session

ai_user

Performance

These cookies support functionality of Azure Application Insights, which is used to help diagnose bugs and performance issues on our services.

ZendDesk

__zlcmid

Functionality

This cookie is used for customer support functionality using the Zendesk service.

Runpath

ClickIds

Strictly Necessary

This cookie is used to associate a unique reference to a click to select a product or service on our sites; It is used for sales accreditation and reporting to allow our business to function and to allow us to report on regulated activity to the Financial Conduct Authority.

How we use your information

We use your personal information in lots of ways to make our products and services as effective as possible.

Click below to see what we will use your personal information for:


[Find out more]

To enable you to access our website and use our services

We will use your information to accept you as a new/returning customer and continue to provide you with our products and services


To process payments

We will only collect this information in order to pass it to the energy company for the purposes of processing your energy switch.


To provide and improve customer support

We will use your information to be able to provide and improve the customer support we provide to you.


For internal training purposes

We will use your information to ensure that our team has the knowledge and expertise to ensure we provide the best possible experience to you when you interact with us


For fraud investigation

We will use your information for fraud investigation in relation to any requests made by government agencies. We will disclose any information we have in our possession to law enforcement or government officials in response to any inquiry or investigation or if in our sole discretion, we believe that it is necessary or appropriate in connection with any investigation or activity that is illegal


For reporting and analytical purposes

We will use your information for reporting and analytical purposes to enable us to improve our products and services and provide appropriate levels of support to our customers


For market research

Runpath may select particular customers and invite them to be involved in market research. If you accept this invitation, we will use the feedback you give us to improve our products and services.


To track activity on our website

We will use your information to track your activity on our websites to help us better understand your interests and how you interact with us. We will also use this information to better engage with you and to ensure that you get the best service we can provide and improve the products in the future.


To maintain our records and other administrative purposes

We will use your information to ensure that we maintain comprehensive and up to date records of the ways we process your personal information and other operational activities and therefore we will use the information you provide for record-keeping, updates and general administrative purposes.


For complaint and dispute resolution

Whilst we will try to make sure that you are happy with the service we provide and do not feel the need to complain, if you do complain to us, we will use the information we have about you to help us manage your complaint and to bring it to a close.


To comply with the law

Like any other business, we are required to comply with many laws and regulations. We will, where necessary, use your information to the extent required to enable us to comply with these requirements


For credit eligibility

When using Runpath’s SmartSearch service for Credit Cards and Loans, Runpath will need to retrieve and use your credit data (from one of the three main credit reference agencies) to match you with third party products or services based on your eligibility for them or notify you of other credit opportunities, products and services that may be available to you. Runpath will also share your data with certain credit providers and brokers (see section ‘Who we share your personal information with’) in order to determine your eligibility for their products.

A CRA is a company that collects personal information from various sources and provides that personal information for variety of uses (including to prospective lenders for the purposes of making credit decisions). 

We will search a CRA who will provide us with information about you to assess creditworthiness and product suitability. They will provide us with the publicly held data, including the electoral roll and shared credit performance data. If you have a financial associate their data may also be provided. 

We will use the information provided to us by a CRA to help decide which products may be best for you. It is important to note that there may be other products available from lenders who are not represented by this service.

When the CRA receives a search from us they will place a quotation search footprint on your credit report, whether or not you decide to apply for the product. This search will not affect your ability to gain credit.

If you choose to apply for a product, the lender will undertake a credit check and provide you with further privacy information for that product.

More information about each CRA and what it does with personal data is available at the following locations:

Call Credit:

Equifax:

Experian:

You can contact any of the CRA’s if you wish to obtain a copy of your credit report.

Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk.

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414

Equifax PLC, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call 0844 335 0550 or log on to www.myequifax.co.uk


For Reward Scheme validation

Runpath will use your data to confirm your eligibility for certain rewards schemes. This may include your data being shared between us, the provider from whom you took out a product, and the introducer or promoter to our service. This allows the introducer or promoter who runs the reward scheme to confirm your eligibility.


For Broker enquiries

To enquire about or apply for certain loans and mortgages on our comparison sites you may need to talk to a broker; If this is the case, we will ask for your permission to send your name and contact details to them. Your details will only be sent to the broker of your chosen product.

 

Further uses of your personal information not described in this Privacy Policy

If we use your personal information for any purposes that are not set out in this Privacy Policy, we promise to let you know exactly what we will use it for before we go ahead and use it

What are the legal grounds for handling personal information?

Contract

In most cases, the information described above will be provided to us by you because you want to take services from us or engage with us and our use of your information will be governed by contract terms. Giving this information to us is therefore your choice. If you choose not to give all or some of it to us, this may affect our ability to provide the services you want, to you.


Legitimate Interests

In the United Kingdom, we can also use personal information where the benefits of doing it are not outweighed by the interests or fundamental rights or freedoms of data subjects. The law calls this the “Legitimate Interests” condition for processing. E.G:

  • Helping to prevent and detect crime such as fraud and money laundering. Fraud and money laundering cost the British economy many billions of pounds every year. That cost is ultimately passed on to the public in the form of higher prices. By helping to avoid fraud such as identity theft, we help to stop this from happening.

Complying with/supporting compliance with legal and regulatory requirements

We must comply with various legal and regulatory requirements. Additionally, the services we provide help other organisations to comply with their own legal and regulatory obligations. For example, Runpath is regulated by the Financial Conduct Authority.

Click below to find out more about which of the above legal grounds we rely on when processing your information:


[Find out more]

  • To enable you to access our website and use our services we rely on the legal basis of performance of a contract
  • To process payments, we rely on the legal basis of performance of a contract
  • To provide and improve customer support we rely on legitimate interests to ensure we provide the best possible experience to you when you interact with us
  • For internal training purposes, we rely on the legal basis of legitimate interests to ensure we provide the best possible experience to you when you interact with us
  • For fraud investigation, we rely on the legal basis of legal obligation
  • For reporting and analytical purposes, we rely on the legal basis of legitimate interests to improve our products and services and provide appropriate levels of support to our customers
  • For market research, we rely on the legal basis of legitimate interests to improve our products and services for our customers
  • To track activity on our website we rely on the legal basis of legitimate interests to engage with you and to ensure that you get the best service we can provide
  • To maintain our records and other administrative purposes we rely on the legal basis of performance of a contract
  • For complaint and dispute resolution we rely on the legal basis of performance of a contract
  • To comply with the law, we rely on the legal basis of legal obligation
  • For credit eligibility, we rely on the legal basis of performance of a contract or we rely on the basis of legitimate interest to provide the service you have requested.
  • For reward scheme validation, we rely on the legal basis of performance of a contract or we rely on the basis of legitimate interest to provide the service you have requested.
  • For broker enquiries, we rely on the legal basis of performance of a contract or we rely on the basis of legitimate interest to provide the service you have requested.

Who we share your personal information with

We share your personal information only with those persons who need to handle it so we can provide the Runpath products and services you’ve signed up to. We also share it with companies within the Runpath group who manage some parts of the

services for us; with suppliers who provide services to us which require access to your personal information only; and with resellers, distributors and agents involved in delivering the services we provide where necessary for them to do so.

Lastly, we may also provide your personal information to fraud prevention agencies. This is to protect the Runpath group of companies and our customers, to keep our systems secure, or where it’s necessary to protect either yours or our best interests.

Click below to find out more about who and why we share your information with others.


[Find out more]

1. Group companies

Runpath Group Ltd (of which Runpath Regulated Services Limited is a wholly owned subsidiary) is the organisation responsible for providing the technology and data to Runpath Regulated Services that enables our comparison services to function.


2. Suppliers

We use a number of service providers to support our business and these service providers may have access to our systems in order to provide services to us and/or to you on our behalf.


3. Introducers and promotors

We will sometimes pass on the information we hold about you to the company who introduced or promoted our services to you.


4. Smart search credit providers and brokers

We will pass the information we hold about you to the following credit providers and brokers as part of the SmartSearch in order to provide your eligibility results.

"1st Stop Loans" - 1st Stop Personal Loans Limited (Company Number 08457740)is part of The 1st Stop Goup (Company Number 05438114) Registered in England and Wales. Registered Office 10 Whitehills Business Park, Blackpool,Lancashire FY4 5LW. Authorised and regulated by the Financial Conduct Authority ( Financial Services Register number 723751).Telephone number 01253 603952 e mail customerservices@1ststop.co.uk

"Appro Loans" - Appro Loans is a trading name of Oakbrook Finance Limited, Registered in England and Wales No. 07831517. Registered Office: The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://likelyloans.com/terms-and-conditions

"Bamboo" - Bamboo Limited. Registered office: 1st Floor, Grenville House, Nelson Gate, Southampton, SO15 1GX. Registered in England and Wales. Company Number: 05629336 Data Protection Act: Z1380902. Authorised and regulated by the Financial Conduct Authority: FRN 720565. For more detail please visit https://www.bambooloans.com/how-we-use-your-information

"Capital One" - Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX. Registered in England and Wales. Company Number: 3879023. Authorised and regulated by the Financial Conduct Authority. Register Number 204440. For more detail please visit

http://www.capitalone.co.uk/creditcards/quotation-ts-and-cs.jsf

"Lendable" - Lendable Ltd company number 08828186 (previously Feather Media Ltd). Authorised and regulated by the Financial Conduct Authority (FCA) with reference 664541 and a member of CIFAS (the UK's leading fraud prevention service). Registered with the Information Commissioner&rsquot;s Office in compliance with the Data Protection Act 1998 under registration ZA041704. Registered office at 8A Great Newport Street, London, WC2H 7JA. Lendable is committed to responsible lending.

"Lending Works" - Lending Works Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 723151), a member of Cifas (leaders in fraud prevention) and registered with the Information Commissioner&rsquot;s Office (ICO) (registration number ZA002001). Lending Works Limited is registered in England and Wales (company number 8302549) and its registered office is at 60 Gray&rsquot;s Inn Road, London, WC1X 8AQ. All data from this website (including statistical or market data) is protected by © and may not be used for any purpose without a licence. © Lending Works Limited 2017. All rights reserved.

"Likely Loans" - Likely Loans is a trading name of Oakbrook Finance Limited, Registered in England and Wales No. 07831517. Registered Office: The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://likelyloans.com/terms-and-conditions

"RAC" - RAC Loans and RAC Flexiloans are provided by Shawbrook Bank Limited, Registered Office: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Registered in England, Company Number 388466. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more details, please visit https://www.shawbrook.co.uk/privacy-notice/

"Saga" - Saga Personal Loans are provided by Shawbrook Bank Limited. Registered in England and Wales under number 388466 whose registered office is at Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more details, please visit https://www.shawbrook.co.uk/privacy-notice/

"Shawbrook Bank" - Shawbrook Bank Limited, Registered Office: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Registered in England, Company Number 388466. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more details, please visit https://www.shawbrook.co.uk/privacy-notice/

"Zopa" - Zopa Limited is incorporated in England & Wales (registration number 05197592), with its registered office at 6th Floor, 90 Fetter Lane, London. EC4A 1EN.


5. Regulated Mortgage Contract providers and brokers

We will pass the information we hold about you to certain brokers and providers of regulated mortgage contracts when you select products in out mortgages and secured loans comparison centres in order for them to help you select an appropriate product.

“L&C” – London & Country Mortgages Limited, Registered Office: Beazer House, Lower Bristol Road, Bath, BA2 3BA. Registered in England and Wales under company number 1988608. Authorised and regulated by the Financial Conduct Authority. For more details please visit https://www.landc.co.uk/about-us/privacy-statement/.

 “Fluent Money” – Fluent Money Ltd, Registered Office: Laurel House, 173 Chorley New Road, Bolton BL1 4QZ. Registered in England and Wales under company number 06200496. Authorised and regulated by the Financial Conduct Authority. For more details please visit https://www.fluentmoney.co.uk/data-protection.

“The Loans Engine” – The Loans Engine is a trading name of Central Loans Limited, Registered Office: St Crispins House, Duke Street, Norwich, NR3 1PD. Registered in England and Wales under company number 4205508. Authorised and regulated by the Financial Conduct Authority. For more details please visit https://www.theloansengine.co.uk/footer-links/legal-and-privacy-notice/.

“Norton Finance” – Norton Finance is a trading style of Norton Financial Services Limited, Registered Office: Norton Finance, Norton House, Mansfield Road, Rotherham, South Yorkshire S60 2DR. Registered in England and Wales under company number 1703503. Authorised and regulated by the Financial Conduct Authority. For more details please visit https://www.nortonfinance.co.uk/Documents/PrivacyPolicyAndFairProcessingNoticeWebsiteGDPRApril2018.pdf


6. Credit reference agencies

We will pass the information we hold about you to credit reference agencies, as described in the “For credit eligibility” section of “How we use your information” above.


7. Lovemoney.com Financial Services Limited (LMFS)

In some instances, a pre-application check service is provided by LMFS to Runpath Regulated Services Limited which allows our “Smart Search” functionality to work; We’ll share your personal data with LMFS so that they can do this, and they will in turn share it with Selected Credit Reference Agencies and Selected Providers. You can read the LMFS privacy policy here.


8. Fraud prevention agencies

We will check your details with the records we hold and share with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, we will record this and details will be passed to the other fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities.
  • Managing credit and credit related accounts or facilities.
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

Please contact us at Runpath Regulated Services Limited, Ground & Mezzanine Floors, White Collar Factory, 1 Old Street Yard, EC1Y 8AF. if you want to receive details of the fraud prevention agencies.

We and other organisations may access and use the information recorded by fraud prevention agencies from other countries.

9. Public bodies, law enforcement and regulators

The police and other law enforcement agencies, as well as public bodies such as local and central authorities can sometimes request personal information. This may be for the purposes of preventing or detecting crime, apprehending or prosecuting offenders, assessing or collecting tax, investigating complaints or assessing how well a particular industry sector is working.

10. Individuals

You can obtain a copy of the information we hold about you. See section Your rights to how we use your personal information for further information on how you can do this.

Where in the world do we send information?

Runpath is based in the UK, and our main databases are located in Dublin and Amsterdam. We also operate elsewhere in and outside the European Economic Area, so we may access your personal information from and transfer it to these locations as well. Don’t worry though, any personal information we access from or transfer to these locations is protected by European data protection standards.

Click below to find out more about where we send your information and how it is protected.


[Find out more]

While countries in the European Economic Area all ensure rigorous data protection laws, there are parts of the world that may not be quite so rigorous and don’t provide the same quality of legal protection when it comes to your personal information.

To make sure we keep your personal information safe, we apply strict safeguards when transferring it overseas. For example:

  1. Sending your personal information to countries approved by the European Commission as having high quality data protection laws, such as Switzerland, Canada and the Isle of Man
  2. Putting in place a contract that has been approved by the European Commission with the recipient of your personal information that provides a suitable level of high quality protection, or
  3. Sending your personal information to a member organisation approved by the European Commission as providing a suitable level of high quality protection. For example, the Privacy Shield Scheme that exists in the US.

You can ask for access to the personal information we hold about you and request that we correct any mistakes, restrict or stop processing or delete it. We will assess your request and subject to legal or overriding requirements to keep it we will act on your request; It’s worth noting that in some cases if you do ask us to correct, delete or stop processing it, we won’t always be required to do so, if that is the case, we will explain why. To request a copy of the personal information we hold about you, please email DSAR@runpath.com.

In certain circumstances (e.g. where you provide your information to us (a) with consent to process it or (b) where the processing is necessary for the performance of our contract with you) you can require that we provide the information we hold about you either to you or a third party in a commonly used format. This only applies if we are processing it using automated means. If you would like more information about this, let us know by emailing DSAR@runpath.com.

Problems with how we handle your information or rights

We will try to ensure that we deliver the best levels of customer service but if you think we are falling short of that commitment, please let us know by contacting our Data Protection Officer at UK.DPOBusinessEnquiries@Experian.com.

For our SmartSearch, if we cannot resolve things under that procedure, then you may have the right to refer your complaint, free of charge, to the Financial Ombudsman Service.

The contact details for the Financial Ombudsman Service are:

Telephone: 0300 123 9 123, or from outside the UK +44 20 7964 1000

E: complaint.info@financial-ombudsman.org.uk

W: www.financial-ombudsman.org.uk

Financial Ombudsman Service Exchange Tower London E14 9SR

For our Utilities Comparison Service, if your complaint is still unresolved, you can ask for a review from the Ombudsman: Energy service. They will be able to help if your complaint fulfils certain criteria.

You can contact them in writing, by phone or send them an email. The best way to contact them is by phone.

Write to them at:

Ombudsman Services: Energy

PO Box 966

Warrington

WA4 9DF

Call on:

0330 440 1624

Email them at:

osenquiries@os-energy.org

You also have the right to contact the Information Commissioner’s Office (ICO), the supervisory authority that regulates the handling of personal information in the UK. You can contact them by:

  1. Going to their website at https://ico.org.uk/
  2. Phone on 0303 123 1113
  3. Post to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF

You may also have the option to register your complaint using the European Commission Online Dispute Resolution (ODR) platform. This is a web-based platform that is designed to help consumers who have bought goods or services online to deal with issues arising from their purchase.

How we keep your personal information secure

Online privacy and security is the most important aspect of any customer service and we take it extremely seriously. We use a variety of the latest technologies and procedures to protect your personal information from unauthorised access, destruction, use or disclosure.

Click below to see more about our safeguards and security measures for handling your information.

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We restrict access to your personal data to those employees, and third parties, who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your personal data, including sophisticated encryption technology when storing and communicating your data.

Runpath’s hosting provider, where your data is stored is accredited with internationally recognised security standards including ISO 27001, and SOC 1 & 2.

How long we keep your personal information for

We’ll keep your personal information for the periods set out in the section ‘What information we collect’ above, and where we were not able to give a specific period, we will keep it only as long as we need it to provide the Runpath products and services you’ve signed up to. We may also keep it to comply with our legal obligations, resolve any disputes and enforce our rights. These reasons can vary from one piece of information to the next and depend on the products or services you’re signed up to, so the amount of time we keep your personal information for may vary.

All data we store is protected with point-in-time restore functionality, which means that we can restore our databases to the state they were in at any point within the previous 35 days; this is to ensure we can access data in the case of potential data loss or corruption. In reality this functionality is rarely used and if it is every effort will be made to delete again any information that had been deleted from the live database since the restore point. This 35 days that we could potentially restore data from is not included in any other reference to how long we retain your data for.

Click below to see more details about the logic behind how long we keep your information.


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Contact Information

Contact information such as names and addresses are kept while there is a continuing need for us to have it.

Payment Information

Payment information such as your bank details are only kept for 90 days.

Device and Interaction Information

Device information such as how you connect to the internet and screen resolution are kept while there is a continuing need to retain it.

Credit Information

Credit information such as your credit score will only be kept for 90 days.

Sales Accreditation Data

Sales accreditation data such as the outcome of an application are kept while there is a continuing need to retain it.

Application and Server Logs

Application and server logs are only kept for as long as there is a continuing need to retain them.

Other

Other information such as time at address, salary/income, employment status and employment duration are kept while there is a continuing need to retain it.

In all of these cases, our need to use your personal information will be reassessed on a regular basis, and information which is no longer required for any purposes will be deleted/disposed of securely.

Changes to this Privacy Policy

We can update this Privacy Policy at any time and ideally you should check it regularly for updates. We won’t alert you to every little change, but if there are any really important changes to the Policy or how we use your information we’ll let you know and where appropriate ask for your consent.

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This Privacy Policy should be read in conjunction with Runpath’s Terms of Use and Terms and Conditions