Privacy Policy

LowerMyBills.co.uk (the “Website”) is brought to you by Experian Limited (company number 00653331) whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH. VAT registration no: GB 145 8990 25

LowerMyBills.co.uk is an unregistered trade name of Experian Limited.

Experian is part of a group of companies, whose parent company is Experian Group Limited which is listed on the London Stock Exchange (EXPN). For more information, visit the Experian Group Limited's website on www.experiangroup.com. The Experian Group Limited has its corporate headquarters in Dublin, Ireland, and operational headquarters in Costa Mesa, California and Nottingham, UK.

References to 'Experian' in this privacy policy are to Experian Limited.

The word 'Experian' is a registered trademark in the EU and other countries and is owned by Experian Ltd and/or its associated companies.

Experian is responsible for the processing of any personal information you provide to this site and is registered in the United Kingdom under the UK Data Protection Act 1998.

What is our commitment to you?

While information is the foundation for providing you with superior service, protecting the privacy of your personal information is of highest importance to us. We believe that responsible stewardship of the information entrusted to us is crucial in developing and maintaining the public trust essential for our continued success. We are sensitive to your privacy concerns, and are committed to letting you know what information is being collected on our web sites, how the information is being used and what choices you have regarding the collection and use of the information.

All information supplied by you on the Website will be used and protected by us in accordance with current data protection law and this Privacy Policy. This Privacy Policy does not apply to any other products and services offered through other channels.

Please take a moment to review our privacy policy and feel free to contact us with any questions at help@lowermybills.co.uk

What types of information do we collect about you and how do we use or share this information?

In addition to the purpose listed above we may also use the information we collect about you as set out in the section entitled "DO WE SHARE INFORMATION WITH THIRD PARTIES" below or for other authorised secondary purposes such as:

• dealing with your requests and enquiries
• maintaining our records and for other administrative purposes
• carrying out customer and market/marketing research
• tracking activity on our website
• protecting our websites and systems against unauthorised access
• improving the quality of our service

Do we share information with third parties?

We may disclose any of the information that we collect to other companies within Experian's group of companies and to those third parties referred to in our Website in the relevant section. Except as provided below, we do not share information with any other third party.

• When identifying methods of improving our products and services or if we think a product may be of interest to you, we may arrange to extend offers of goods or services to you.
• We may use third-party advertising companies to serve advertisements about our products and services on our behalf.
• Law enforcement agencies may access and use this information.
• We may disclose your information where otherwise required to do so by law.
• The Website may contain links to third party provider’s offers, products and services or such offers, products and services could be made available to you on frames from the third party provider’s website within the Website. We will disclose your information to such third party providers of offer, products and services to which you have expressed an interest either in the Website, by clicking on a link from the Website or via completing application forms in frames of such third party provider’s website in the Website. We believe these sites share a similar commitment to consumer privacy and urge you to review their privacy policy when visiting their sites. We cannot, however, be responsible for their privacy and data use practices.

Cookies

Cookies and similar devices such as web bugs may be used by us to provide you with information from our web site. A cookie is an element of data that a web site can send to your browser, which may then store it on your system. We use cookies to help us understand volumes of visitors looking at particular web pages and advertisements to help us determine how frequently particular pages are visited and to determine the most popular areas of our web site. Cookies may also allow us to make our web site more stable so that we can give you a better and more user friendly experience when you return to our web site, for example, allowing us to save your password so that you do not have to re-enter it every time you visit our web site. We do not use cookies to record other information on individuals. Most web browsers automatically accept cookies. You do not have to accept cookies and you should read the information that came with your browser software to see how you can set up your browser to notify you when you receive cookies, this will give you the opportunity to decide whether to accept it. If you chose to disable cookies you may not be able to access certain features of a particular web site.

Marketing options

All of our communications will give you the opportunity to unsubscribe.

How do we protect your information?

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.

Experian protects your information over the Internet by using secure web server technologies, which allows web browser programs (Netscape or Microsoft Internet Explorer) to interact with Experian's web server via an encrypted session. Experian employs a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and Experian. The 128 bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. When you visit the Web site you may move in and out of secured areas. Any time that you are on a registration page or viewing your personal credit report, you will be in a secured area.

Privacy policy changes

Our Privacy Policy will be reviewed and enhanced from time to time and you should check this page regularly to see our most up to date policy. If necessary we will inform you and obtain your consent about any significant changes to the policy.

Data transfers

Because we operate throughout the world in providing our goods and services, this may involve us transferring your personal information to countries whose data protection laws do not provide the same level of protection as those in the UK. If we do so, we will ensure that an agreement is in place in which anyone to whom we pass the information agrees to treat it with the same level of protection as if we were dealing with it.

Your rights to access your personal information

You have the right to receive information about the personal data we hold about you (for which we may charge a small fee). The statutory fee is currently £10.00.

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