Updated May 2018
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 Experian and how can you contact us?
Experian is part of a group of companies whose parent company is listed on the London Stock Exchange (EXPN) as Experian plc. The Experian group of companies has its corporate HQ in Dublin, Ireland, and its operational HQs in Costa Mesa, California, USA and Nottingham, UK. You can find out more about the Experian group on our website at www.experianplc.com
Experian is responsible for processing the personal information you provide to us for ExperianID and where it is a requirement under English Law, Experian will maintain its registration with the Information Commissioners Office in the UK
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.
We or our third parties will also collect other information about you and the devices you use to access our website. We do this by using technologies like cookies.
Click below to see what types of personal information we will ask for or collect.
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:
What is the legal grounds for handling personal information?
Where we collect other information from you or sometimes third parties collect it on our behalf. You will be asked to consent to this before using our website. If you choose not to give your consent, or you later remove your consent, this may affect our ability to provide the services you want, to you. We may also rely on the consent ground for handling your personal information in the following scenarios:
Click below to find out more about processing your information:
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 Experian products and services you’ve signed up to. We also share it with companies within the Experian 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 Experian 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.
Where in the world do we send information?
Experian is based in the UK, which is where our main databases are. 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.
Your rights to how we use your personal information
If our right to process or share your personal information is based on the fact that you’ve given us consent, you can withdraw your consent by closing your ExperianID.
You can also 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, but please note that this does not mean that we will delete negative information about you if it is confirmed to be correct.
If that is the case, we will explain why. To request a copy of the personal information we hold about you by contacting us HERE or write to Experian Ltd, PO Box 9000, Nottingham, NG80 7WP
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 contacting our Data Protection Officer on UK.DPO@EXPERIAN.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.DPO@EXPERIAN.COM
You may also see our full complaints handling procedure and how to make a complaint.
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.
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 Experian 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.
Click below to see more details about the logic behind how long we keep your information.
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.