A. Who we are:
We are TotallyMoney Limited.
We provide a range of free services to help you better understand and improve your credit situation. We act as a credit broker, not a lender. Further information of what we do is in section 1 below.
We are based in England. Our company details are in section 2 below.
If you have any questions or need any help in relation to our privacy notice, please write to our Data Protection Officer at Churchill House, 142-146 Old Street, London EC1V 9BW or at email@example.com
B. Our values and what this privacy notice is for:
We value your privacy and want to be accountable and fair to you as well as transparent with you in the way that we collect and use your personal information. We also want you to know your rights in relation to your information which you can find here, in section 10.
In line with these values, this privacy notice tells you what to expect when we collect and use personal information about you. We have tried to make it easy for you to navigate so you can find the information that is most relevant to you and our relationship with you.
We are always looking to improve the information we provide to our customers. If you have any feedback on this privacy notice, please let us know using our contact details in section 15.
C. Who this privacy notice applies to:
This policy applies to all users of our website, www.totallymoney.com and our customers. Note that you may be redirected to our website by one of our partners (for example if you were unsuccessful in a credit card application, the lender might redirect you to www.totallymoney.com to see alternative products).
D. What this privacy notice contains:
Click on the following headings to read information on important topics relating to your information:
- About TotallyMoney;
- Where we collect personal information from;
- About our services;
- How we store and use your personal information;
- Sharing your personal information with others;
- How and where we store your personal information and security;
- Transfers of personal information;
- Data retention;
- Your rights;
- Third party websites;
- Changes to our privacy notice;
- Further questions or making a complaint; and
E. Your rights to object:
You have various rights in respect of our use of your personal information as set out in section 10. Two of the fundamental rights to be aware of are that you may:
1. ask us to stop using your personal information for direct marketing purposes. If you exercise this right, we will stop using your personal information for this purpose; and
2. ask us to consider any valid objections which you have to our use of your personal information where we process your personal information on the basis of our, or another person's, legitimate interest.
You can find out more information in section 10.
F. What you need to do:
Please read this privacy notice carefully to understand how we handle your personal information.
1.1 TotallyMoney is a credit broker, not a lender. We offer a range of free personalised services to help you better understand your credit situation. You can join our service to get your free credit report and score each month, to see what that information means in practical terms for you, and for your borrowing power. We will search your credit file each month in order to show you whether you are likely to be accepted for specific products, including credit cards and loans. This is a soft search and does not affect your credit rating. If you want to apply for a product you find on our Site, we will pass you through to the relevant lender.
1.2 New customers to our service will need to register with us to gain access to our services.
2. About TotallyMoney
2.1 The website www.totallymoney.com (“Site”) and the TotallyMoney App (“App”) are owned and operated by TotallyMoney Limited (“we”, “us” or “our”). TotallyMoney Limited is a company registered in England (No. 06205695) with its registered office address at Churchill House, 142 - 146 Old Street, London EC1V 9BW.
2.2 We are an appointed representative of our sister company, MI Money Limited, which is authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities including credit broking and the provision of credit information services (FCA FRN 511936).
2.3 Data protection law applies to our collection and use of personal information and TotallyMoney Limited is the controller of that personal information (ICO Registration Number Z1096594).
3. Where we collect personal information from
In order to provide our Services to you, we collect information about you from five main sources, as more fully described below:
(a) from you when you register;
(b) from the credit reference agencies ("CRAs") we use (for example to provide credit report and score data);
(c) from our third party service providers and the Lenders we work with to receive eligibility data and, in some cases, data about the outcome of Product applications you make as a result of using our Services;
(d) information about your visit, such as our analysis of how you behave on our Site; and
(e) from our sister company, MI Money Limited, when you agree to receive marketing from us when you apply for a Product that MI Money Limited promotes (including the Fluid credit card).
4. About our services
4.1 New customers to our Site will need to register with us to gain access to our "Account Services" - that is, access to a free credit report and credit score service ("Credit Report Service"), plus tailored information about your borrowing power and eligibility for Products ("Borrowing Power Service"). We no longer provide a standard credit comparison service for one-time customers. We no longer provide a standard credit comparison service for one-time customers, except in very limited circumstance where you have been directed to our Services by our third party partners, in which case these terms and conditions will nevertheless apply. In this privacy notice when we refer to “Services” we are referring to the Account Services, Eligibility Checks and other ways to access our services as described in this paragraph.
4.2 In this privacy notice when we refer to “Product(s)” we are referring to credit cards, loans, mortgages and such other financial products for consumers that we feature on our Site / App or may introduce to our Site in the future. When we refer to "Lender(s)" we are referring to the third party credit issuers who offer the Products featured in our Services.
4.3 Eligibility Checks. Checking your eligibility for Products is a core part of our Service. We do this by contacting our provider of pre-screening services and certain Lenders (who in turn may contact CRAs), and they use the information you provide to analyse your eligibility for Products using their databases and knowledge of the acceptance criteria for Products (“Eligibility Checks”). We have appointed Experian Ltd (“Experian”) to conduct pre-screening searches and eligibility checking for our Services. An Eligibility Check is not an application for credit, and carrying out Eligibility Checks will not harm your credit rating.
4.4 Personalisation is an important part of our Services. We will analyse and profile your personal information in order to tailor the information that we present to you, to improve our Services, and to determine the offers and communications that might be of interest to you (where applicable). To do this, we use automated technology that assesses your personal information to create a profile of you (including your credit eligibility) and search for and recommend suitable Products for you. This is a type of automated decision making and, depending on how you use the information provided, may have a significant effect on you as it relates to your access to credit. Whilst we do not make credit decisions about you, we do this automated decision making because it is necessary for us to provide the Services to you and our legal basis for processing is contractual necessity. If you wish to object to this automated decision making and profiling, we will not be able to provide the Services to you and will close your account.
4.5 Across our Services, you will have the opportunity to apply for Products directly from Lenders. If you elect to apply, we may provide your information to the Lender as set out in the Service sections below. Note that if you go on to apply for a Product as a result of using our Service, the Lender will provide you with the terms and conditions for that Product. The Lender will also carry out its own identification and validation checks (including fraud prevention procedures), affordability and credit application checks in accordance with its own criteria. Any full credit check carried out by any Lender will be visible on your credit file to all Lenders in the future.
5. How we store and use your personal information
5.1 Legal bases
We consider that the legal bases for using your personal information as set out in this privacy notice are as follows:
(a) Contract performance: if we agree directly with you to provide you with our Services, we will use your personal information to the extent necessary in order to provide those Services; or
(b) Legal and regulatory obligations: our use of your personal information is necessary for complying with our legal or regulatory obligations (for example, complying with our regulatory obligations to the Financial Conduct Authority, or addressing enquiries or complaints from you or a regulator); or
(c) Legitimate interests: where neither (a) nor (b) apply, use of your personal information is necessary for our legitimate interests (including our commercial interests) or the legitimate interests of others (for example: to ensure and monitor the security of our Site; to assist the wider industry with fraud prevention; occasionally we may use personal information when developing or testing new features of our Site; to promote our free Services to you and other people or, if you have not opted out, to provide you with details of products and services that may interest you).
If we rely on our (or another person's) legitimate interests for using your personal information, we will undertake a balancing test to ensure that our (or the other person's) legitimate interests are not outweighed by your interests or fundamental rights and freedoms which require protection of the personal information; or
(d) Consent: in certain cases, we will rely on consent to process your personal information for marketing purposes (for instance, where you give opt-in consent to a third party such as our sister company, MI Money Limited, to receive email marketing from us).
If we rely on consent to use your personal information in a particular way, but you later change your mind, you may withdraw your consent by contacting us at help@totallymoney and we will stop doing so.
Further details about the legal bases for processing in relation to each of our Services and other activities is set out below.
5.2 Intelligent Alerts Service and Eligibility Check Service:
These standalone services are now closed to both new and existing customers.
5.3 Account Services
When you register for a TotallyMoney Account:
(a) We design our registration forms to collect only the information we need in order to provide the Services to you, and so we may update the required fields from time to time accordingly. Our current registration process requires you to give us the following personal information about you;
(ii) date of birth;
(iii) email address;
(iv) employment status;
(v) annual income;
(vi) monthly expenses;
(vii) whether immediate cash advance required (credit cards);
(ix) time at address;
(x) residential status; and
(xi) phone number.
We use this information to provide our Services.
(b) We also ask for your email address and a password to create your account. We need this information to be able to provide the TotallyMoney Account securely, and in order for us to be able to provide the Account Services to you (as further described below).
(c) Everyone who creates a TotallyMoney Account will automatically have access to the Borrowing Power Service, but you will only receive the Credit Report Service if you successfully complete additional security checks. Further details are set out in paragraph 5.6 of this privacy notice.
(d) We will always send you a welcome email with information about the Account Services requested and how to access them.
(e) If you do not provide the information requested as part of the TotallyMoney Account registration process, you will not be able to open a TotallyMoney Account.
(f) It is vital that you keep your TotallyMoney Account information accurate and up to date because inaccurate personal information will produce inaccurate results. You can amend your information in the "My Details" section of your TotallyMoney Account, and we sometimes will give you a nudge to do so when you log in. If you are not sure how to amend your information, please contact us.
(g) The purpose of this processing is to provide the Account Services (including the Borrowing Power Service and the Credit Report Service) to you. Our legal basis for processing is contractual necessity (to perform the Account Services that you have requested).
(h) Lenders may provide us with data about the outcome of Product applications you make as a result of using our Services. In these cases, we may use such information to understand you better, to inform our future marketing strategies and to verify the commission payments due to us.
5.4 Borrowing Power Service
Once you have registered for a TotallyMoney Account, we will start to provide the Borrowing Power Service to you to help give you an understanding of the credit you may be able to access, based on your credit rating and the Products that you might be eligible for. We work with Experian and Lenders to provide the Borrowing Power Service to you but please note, there is no guarantee that you will be found by Experian and Lenders.
(a) We use the personal information you provide as part of your TotallyMoney Account registration to do a “soft search” or a “quotation search” on your credit file and compare your personal information with the acceptance criteria for Products. This involves us sharing your personal information with:
(i) Experian (our provider of pre-screening searches and eligibility checking services) in order to access your credit file, verify and validate the information you provide against publicly available databases for the purposes of providing the Borrowing Power Service and for fraud prevention purposes (please read Experian’s terms by clicking here); and
(ii) in some cases, the Lenders that check your eligibility for their Products (including whether or not you are an existing customer), to pre-populate any application form you elect to complete and for fraud prevention purposes.
Click here for more information about soft searches.
(b) Experian provides us with information about key elements of your credit file and the Lenders send us the outcome of the Product eligibility checks. We use this information to provide you with an indication of the credit you may be able to access and make this information available to you when you log in to your TotallyMoney Account and also via the email address provided to us by you. We also use this information to build a more accurate picture of you and to improve and further personalise the Service.
(c) We will repeat the "soft search" every month for as long as you have a live TotallyMoney Account.
(d) We will alert you to the results of your monthly Borrowing Power “soft search” by email every month as part of our Service.
(e) We may analyse the data that you give us, and the eligibility scores and other information we receive back from CRAs and Lenders, for the purpose of personalising the Services, and determining which products and services might be of interest to you.
5.5 Credit Report Services
(a) Callcredit Limited (“Callcredit”), who we work with to provide the Credit Report Service asks you for certain personal information to verify your identity and authenticate you for the Credit Report Service (these are knowledge based questions only you should know the answers to, based on your credit history). We do not see the information you provide (even though it is provided to Callcredit through a TotallyMoney branded interface as part of your TotallyMoney account registration) – we only see the outcome of this authentication (e.g. authentication pass/failure).
(b) Once you have registered for a TotallyMoney Account, provided that you complete Callcredit’s authentication process successfully and that your credit report can be found, we will start to provide the Credit Report Service to you to help give you an understanding of your credit report and score.
(c) We use Callcredit to provide the credit report and score services to you. Callcredit is a credit reference agency and the way in which your information is used by them is set out in the Callcredit Privacy Notice, which can be found here. Callcredit’s company number is 03961870 and the registered office is One Park Lane, Leeds LS3 1EP. Callcredit Limited is authorised and regulated by the Financial Conduct Authority under registration number 737740. Authorisation can be checked on the FCA Register.
(d) We share the personal information you provide as part of your TotallyMoney Account registration with Callcredit in order to be able to provide the Credit Report Services.
(e) If you are authenticated for the Credit Report Services by Callcredit, Callcredit provides us with a unique ID that we use to request your credit report and score data every month as long as you have a live TotallyMoney Account. Your credit score data will also be requested from Callcredit when you log into your TotallyMoney Account, so that we can provide you with a live score.
(f) We will store certain credit report and score data to the extent necessary to provide the Credit Report Services to you (for example, in order to present personalised information that loads quickly and is easy for you to use, we have to save the underlying information).
(g) We may use information contained in your credit report to personalise the Service we provide to you. We will do this to the extent necessary in order to provide the Service to you as described on our Site.
(h) As part of our Service, we will send you an email every month as a reminder that we have retrieved your credit report and score data from Callcredit.
5.6 Service messages
(a) We will send you emails as part of the Borrowing Power and Credit Report Services and we may also send you service messages in relation to your TotallyMoney Account or our Services from time to time (for example, to contact you about forgotten passwords or to notify you about changes to our Services).
(b) The retrieval of your credit report and score from Callcredit, and the calculation of your Borrowing Power using Experian data are core elements of the Account Service, and we want to make sure that you remember that we are obtaining this data about you each month, even when you may not need to log into your Account very often. Therefore, please be aware that you cannot unsubscribe from these messages and we will continue to send you your monthly Credit Report Service and Borrowing Power Service email as part of the Credit Report Service, to record that we have accessed your data for the purposes of providing you with our Account Services. If you do not wish to receive these messages, you will need to close your TotallyMoney Account, which you can do by logging into your account and going to the "My Account / My Details" area.
(c) In the absence of misuse or your account being suspended / terminated by us, we will only stop refreshing your borrowing power, credit report and score (and sending you notifications about these) if you close your TotallyMoney Account.
(a) We will use your personal information to send you information about promotions, and to tailor what we send to you, about Products and services that may be of interest where we are legally permitted to do so or where you have consented to receiving direct marketing from us (for example, when you apply for a Fluid card). We may occasionally have arrangements in place with third parties that have a direct relationship with you and they may send information to you about us and our services where they are legally permitted to do so. You may be contacted by post, email, App push notification, via social media, telephone or such other means as we regard as appropriate and legally permitted.
(b) You may unsubscribe from receiving marketing communications at any time by updating your preferences from within your TotallyMoney Account, by contacting us, by emailing us at firstname.lastname@example.org or by clicking the unsubscribe link in any marketing email from us.
We might also share your data with social media or other similar platforms, so that you and other people can see relevant content on that platform. For example, we may use the Facebook Custom Audiences service and share your email address in a protected format with Facebook so that we can: include you in a custom audience that we will serve relevant advertising content to on Facebook; or create an audience of other Facebook users based on the information in your Facebook profile.
5.8 Correspondence with you
(a) If you contact us, we may keep a record of that correspondence.
(b) For research purposes, from time to time, we may ask you to complete a survey, although you do not have to respond. The purpose of such surveys are to help us improve, develop and update our Services and business. We believe we have a legitimate interest in handling your data for this purpose as it allows us to provide you with a better experience of our Services and the benefits of this outweigh any potential impact on you in storing and using your personal information in this way.
5.9 Website and app analytics
We capture details of your visits to the Site including the actual pages you visit, IP address (from which we may derive your location) and other communication data and details of the resources that you access. We also capture information about your computer or device including, where available, your operating system and browser type. This is used for system administration, to report aggregate information to our advertisers and to enable us to analyse behaviour and trends on the Site. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
We believe we have a legitimate interest in handling your data for this purpose as it allows us to provide you with customer and technical support and a better experience of our Services and the benefits of this outweigh any potential impact on you in storing and using your personal information in this way.
5.10 To meet legal or regulatory requirements
We and our third party service providers are required to comply with certain legal and regulatory requirements (including but not limited to fraud prevention) and we may process your personal information in order to comply with those requirements. Occasionally, we may be asked to provide certain information to regulators or law enforcement agencies and we will comply with these requests where legally required or permitted.
This processing is necessary for compliance with a legal obligation to which we or the regulator/law enforcement agency are subject.
6. Sharing your personal information with others
6.1 For the purpose of providing our Services to you, we share your personal information with the following third parties or categories of third party:
(a) we work with and are an appointed representative of MI Money Limited (authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities including the provision of credit information services (FCA FRN 511936)) to provide the Services to you and this involves us sharing your personal information with MI Money Limited. The legal basis of this processing is contractual necessity.
(b) as described above, if you check your eligibility for a Product through our Site or register for a TotallyMoney Account, we will need to disclose the information you provide to the relevant third party Lenders or service providers in order to provide you with the services you have requested. The following privacy notices will apply to the relevant third party’s handling of your data:
• Experian Privacy Notice (provider of eligibility scoring across a range of Lenders and Products)
• Capital One Privacy Notice (provider of eligibility scoring for Capital One Products)
• Shawbrook Bank Privacy Notice (provider of eligibility scoring for Shawbrook Bank Products)
The legal basis of this processing is contractual necessity;
(c) the CRAs we work with (including Experian and Callcredit) and the Callcredit group of companies will place a record of our request for information about you on your credit file, whether or not you decide to apply for a product. This will be marked as a “quotation” search and will not affect your ability to gain credit. The CRA may use the information you provide when setting up your TotallyMoney Account and in the course of using the Services for the purposes of operating as a credit reference agency. This will include using such data for statistical purposes, to assist with identity verification, prevention of fraud / money laundering, tracing and collection of debt, service delivery and process implementation. More information about how credit reference agency search records are used is available at www.callcredit.co.uk/crain. The legal basis of this processing is contractual necessity or that it is necessary for us to comply with our legal obligations;
(e) we may share limited details about you with Lenders or their agents in order to verify any commission payments due to us as a result of your application. The legal basis of this processing is legitimate interests;
(f) the Financial Conduct Authority (and any other legal, regulatory or governmental body that we are required to disclose information to), credit control and debt collection agencies;
(h) analytics and search engine providers that assist us in the improvement and optimisation of our Website.
6.3 We may also disclose your personal information to any member of the TotallyMoney Group (also known as the Media Ingenuity Group) (as defined in section 1159 of the UK Companies Act 2006) which means our subsidiaries, as well as our ultimate holding company and its subsidiaries.
6.4 From time to time, we may consider corporate transactions such as a merger, acquisition, reorganisation, asset sale, or similar. In these instances, we may transfer or allow access to information to enable the assessment and undertaking of that transaction. If we are acquired in whole or part, either through a sale of shares or assets, customer personal data may be one of the assets transferred. The legal basis for this processing will be that it is for our legitimate interests.
7. How and where we store your personal information and security
7.1 All of the information that you give us is stored on secure servers. We will periodically review this information to ensure that we do not keep it for any longer than is necessary.
7.2 The internet is not a secure medium. However, we have put in place various security procedures to protect your information. Firewalls are used to block unauthorised traffic to the servers – and the actual servers are located in a secure location which can only be accessed by authorised personnel. We use industry-standard encryption technology to ensure that all your personal and transactional information is encrypted before transmission to certain Lenders or third party service providers. Our security policies are in place to safeguard your privacy from unauthorised access or improper use – and we will continue to enhance our security as and when new technology becomes available.
7.3 Where possible, you should not provide us with any personal information that we have not requested. If you are unsure whether we need a certain piece of information, please ask us first before sending it to us.
7.4 From time to time, we or our service providers may communicate with you by email. You should keep your email account secure.
7.5 You are responsible for keeping your TotallyMoney Account password confidential. We ask you not to share a password with anyone.
8. Transfers of personal information
8.1 The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA") (including to the United States) in connection with the above purposes.
8.2 If we transfer any of your personal information outside of the EEA, we will take steps necessary to ensure that your data is treated securely – and in accordance with this privacy notice and all relevant statutory requirements. These measures include:
(a) in the case of US based entities, entering into European Commission approved standard contractual arrangements with them, or ensuring they have signed up to the EU-US Privacy Shield (see further https://www.privacyshield.gov/welcome); or
(b) in the case of entities based in other countries outside the EEA (including Japan), entering into European Commission approved standard contractual arrangements with them.
8.3 Further details on the steps we take to protect your personal information, in these cases is available from us on request by contacting us by email at email@example.com at any time.
9. Data retention
9.1 TotallyMoney Account: Upon closure of your TotallyMoney Account for any reason, we will remove our live records of you, and archive limited personal information for the purposes of complying with our legal and regulatory responsibilities, for responding to legal and regulatory enquiries and for our own required record keeping. We will keep the archived data for no longer than six years following your TotallyMoney Account closure.
9.2 General: We keep your personal information for no longer than necessary for the purposes for which the personal information is processed. The length of time we retain personal information for depends on the purposes for which we collect and use it and/or as required to comply with applicable laws and to establish, exercise or defend our legal rights.
10. Your rights
10.1 You have a right to:
(a) Access to and/or copies of your personal information.
(b) Rectify or update your personal information if it is inaccurate or incomplete. Note that we cannot make changes to your credit report or score. Please see clause 6.5 of our Terms and Conditions for more information about what you can do if you believe your credit report or score is inaccurate. In addition, at the moment, we are unable to make changes to the email address associated with your TotallyMoney Account. If you need to amend your email address, we will therefore need to close your TotallyMoney Account. We are working to change this as soon as possible.
(c) Obtain erasure of your personal information where there is no compelling reason for its continued processing in certain circumstances.
(d) Obtain restriction of processing of your personal information in certain circumstances.
(e) Object to processing of your personal information in certain circumstances.
(f) Receive your personal information data provided to us as a controller in a structured, commonly used and machine-readable format where our processing of the data is based on consent or necessity for performance of a contract to which you are a party or to take steps at your request prior to entering into such a contract and the processing is carried out by automated means (the right to data portability).
(g) Lodge a complaint with a supervisory authority (see section 14 below for further information).
(h) Object to and not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects or significantly affects you.
10.3 We will consider all such requests and provide our response within a reasonable period (and in any event any time period required by applicable law). Please note, however, that certain personal information may be exempt from such requests in certain circumstances.
10.4 If an exception applies, we will tell you this when responding to your request. We may request you provide us with information necessary to confirm your identity before responding to any request you make.
10.5 Where we have said we process your personal information based on consent, individuals have a right to withdraw their consent at any time by contacting us or by emailing us at firstname.lastname@example.org.
10.6 You can close your TotallyMoney Account at any time by logging into your TotallyMoney Account and going to the "My Account / My Details" area. Or, if you prefer, you can email us at email@example.com and we will close your TotallyMoney Account for you.
11. Third party websites
11.1 Please note that this privacy notice applies only to the personal information that we collect through the Services and we cannot be responsible for personal information that third parties may collect, store and use through their website. You should always read the privacy notice of each website you visit carefully.
11.2 Our Site may contain links to and from the websites of Lenders, Experian, Callcredit, our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that they all have their own privacy policies. Always check these policies before you submit any personal information to these websites. If you wish to unsubscribe from marketing sent by, or on behalf of, a third party, you will have to unsubscribe through them. Details of how to do this should be set out in their privacy notice.
11.3 If you leave the Site in order to apply for a credit-based product, the Lender or service provider may use your personal information to perform an eligibility or full credit search with a credit reference agency for ID verification and validation purposes, credit assessment and fraud prevention activities. You should be asked to consent to this before your application is submitted.
12.4 For more information about how to manage your cookies please visit http://www.allaboutcookies.org/manage-cookies/.
13. Changes to our privacy notice
Any changes we need or wish to make to this privacy notice will be posted on this page, so please check back frequently. For example, if we expand our Services, we may need to include details here of how that will affect the processing of your data. We will notify you of changes as appropriate to comply with data protection law.
14. Further questions or making a complaint
14.1 If you have any queries or complaints about our collection, use or storage of your personal information, or if you wish to exercise any of your rights in relation to your personal information, please contact firstname.lastname@example.org. We will investigate and attempt to resolve any such complaint or dispute regarding the use or disclosure of your personal information.
14.2 You may also make a complaint to the UK Information Commissioner (www.ico.org.uk). Alternatively you may seek a remedy through local courts if you believe your rights have been breached.
Details of Changes
New second sentence added to the first paragraph of section 7 to provide further clarification that third party arrangements may exist.
References to Media Ingenuity Limited changed to TotallyMoney Limited to reflect name change of company number 06205695.
Minor updates to Paragraphs 5, 6 and 7 including the addition of Experian’s terms and to clarify unsubscribe routes.
Amended to reflect the closure of Intelligent Alerts Service to new customers.
Updated to reflect requirements of the General Data Protection Regulation.
Further amendments to reflect requirements of the General Data Protection Regulation.
Updated to reflect the requirement for account creation in order to access most services, and other less significant changes.
Amended to reflect the requirement to register for most services.