MoneyPlus Legal Privacy Notice
MoneyPlus Legal is a member firm of the MoneyPlus group of companies, which offers a wide range of products and services through our specialist firms. This Privacy Notice explains how MoneyPlus Legal collects, uses, and stores your personal information.
When you become a customer of MoneyPlus Legal, our lawful basis for processing your personal information is ‘contractual’. In some cases, we may also process information where we have a legitimate interest to do so, as explained in this Notice. If you share any special category data with us (such as information about your health or medical needs), we will only process and store this with your explicit consent.
Who Collects Your Data?
Each MoneyPlus company has its own Data Controller. This is the entity responsible for ensuring that all information we hold about you is handled correctly, and each Controller is registered with the Information Commissioner’s Office (ICO), the data protection regulator.
As a customer of MoneyPlus Legal Limited, we are your Data Controller. Our Data Protection Registration Number is Z9567194. If you are a customer of other MoneyPlus products or services, please refer to that company’s Privacy Notice for specific information on how they will manage your data.
You can check the data protection registration of all UK firms on the ICO’s website at ico.org.uk
How Do We Collect Your Information?
Depending on the type of legal service we are providing for you, the majority of personal information we hold will come directly from you and any third party you appoint to act on your behalf, such as another solicitor, a partner or a carer.
To facilitate our Plevin claim services, we will also obtain information from the previous lenders you have potential claims against (e.g. credit card providers, banks) and any claims management firm that has dealt with a Payment Protection Insurance claim on your behalf. We may also obtain information from credit reference agencies, including to complete required identity checks.
In some cases, we may receive other information about you, such as details of a health condition from a medical professional or automated technical details if you use our websites and online services.
You can set your browser not to accept cookies, as explained in the links above, but this may mean some features of our sites do not function correctly. If you use your browser to save your password information or similar data for auto-fill forms, we do not have access to these details.
What Personal Information Do We Collect?
In order to provide your legal service, we use Personal Information (data) that uniquely identifies you and your personal situation. The table below explains the information we collect and why.
Type of Personal Data
Why we need the data and what we do with it
e.g. Your name, age, date of birth, or address
We require this to identify and communicate with you. In certain legal solutions, we may also require copies of photo ID, such as passport or driving licence, which will be explained in advance.
You cannot opt out of providing this information.
e.g. Your income, expenditure, assets, benefit entitlement, bank statements, credit history, and/or payment information
We will need your current bank information to process any payments due. In order to facilitate Plevin claims, we will also require information about your PPI accounts, including statements and amounts paid to the insurance.
You cannot opt out of providing this information.
e.g. your marital status, number of dependents, employment status, and/or general household details
In some cases, we may require this information to assist with the basis of your claim and facilitate payment awards.
You cannot opt out of providing this information, but not all MoneyPlus Legal services require this
(also called Special Category Data)
e.g. details of physical or mental conditions, and/or sick notes
We may collect certain Special Category data to identify if you are potentially vulnerable or require further support from us to effectively use our services, but this information will only be stored or used by us if you explicitly consent to this.
You do not have to provide this information but it may assist us in providing you with appropriate support with our services.
Criminal Offence Information
e.g. declared offences, DBS check records
In certain circumstances – such as in our legal services – we may need to request information regarding any criminal offence history, usually for unspent convictions only. If this is the case, you will be informed in advance.
You do not have to provide this information but refusal could mean that we are unable to provide some services to you.
e.g. IP address, cookies, IMEI mobile handset code, smart meter data
How Do We Use Your Information?
The main lawful basis for us to process your information is ‘contractual’. This means that in order to provide the services you requested from us, we need to use your personal information. The types of information we need to collect, store and process will depend on the contract type you have with MoneyPlus Legal.
For example, if you decide to pursue a Plevin claim, MoneyPlus Legal will need to collect information about you (such as your name and address), your PPI accounts and any previous claims you have made. We may also need to share information about your PPI accounts with specialist firms working on our behalf to calculate the value and potential validity of your claim.
For example, if you have contacted MoneyPlus about debt advice or to start a debt solution, we will need to collect information from you about your finances, personal situation and your creditors in order to determine the best advice for you and to manage your chosen solution day-to-day.
In some circumstances, the lawful basis for processing your information may change. For example, if we need to prioritise your vital interests – such as protecting your life – we will take any actions we deem necessary, such as contacting the emergency services.
The lawful basis may also change to ‘legitimate interests’ where we identify a benefit to using your data outside of our usual contractual service, such as statistical data purposes (though this is usually anonymised to safeguard your information). We may also use our legitimate interests to try and benefit you by letting you know about other services our group offer that we think you would be interested in. For example, if we identify that MoneyPlus Telecoms may be able to offer you a cheaper deal on your mobile contract. At no time do we sell or share your personal information to companies outside of MoneyPlus.
How Do We Transfer and Share Your Information
We may need to share your information with third parties in order to provide the agreed contract. For example, we use a company called Pentacle Disputes Limited to conduct automated calculations on potential Plevin claims to help us identify which cases are likely to be successful. Depending on the legal service we offer, we will likely need to share your details with barristers, the court, and other relevant third parties to your claim in order to progress your case.
Where identity checks are required in our services we use mainstream identity verification platforms, such as Experian or GBG https://www.gbgplc.com. This does not impact your credit score. You may be required to provide a copy of your passport, driving licence or other proof of identity documentation to confirm your identity.
We may also use external consultants and specialists, and outsource aspects of our processes to other firms some of whom may be located outside of the European Union. We keep outsourcing activity to a minimum but may use external organisations to assist us with services like call quality monitoring, auditing, scanning of documents, record keeping, printing facilities and marketing. For example, we use Adobe Systems Ltd to provide secure facilities for electronically signing/returning documents. All outsourced service providers are carefully vetted and monitored to ensure your information is safeguarded.
Your personal data may be shared with third parties who are involved in the governance and control of the business such as entities with a vested interest in the business’ performance. In these circumstances your data may be held by an appointed Data Trustee. We will ensure that appropriate data protection standards are in place. Your data may be processed (in accordance with UK Data Protection Legislation) by these third parties in particular circumstances such as, but not limited to, unforeseen business events.
You also have the option to appoint someone, such as a spouse or carer, to act on your behalf and deal with the group for the majority of our services. You will need to provide separate explicit consent for us to be able to share your information with them, and you can revoke this consent at any time.
In accordance with our legal obligations, we may be required to share information with the police, other law enforcement agencies, government departments or regulatory bodies. We do not share your information with any company outside of the group for marketing purposes without your consent. For more information, see the Marketing section below.
How Do We Secure and Retain Your Information?
We are required to retain your information for the full duration of our contractual relationship with you to enable us to provide our service. On the closure of your case, we will keep your information for a maximum of a further seven years to comply with our legal and regulatory requirements. Any personal data we do not believe is necessary to provide our services and all information outside of the retention period is securely destroyed and deleted.
All personal information we hold is securely stored and we conduct our services through computer systems with any paperwork or documents we receive scanned to these systems. If you need to send us important documents, please ensure you keep a copy as we cannot guarantee we will be able to return originals. If we need to forward documents on to any third parties, we will ensure that all reasonable measures are taken to ensure their safe delivery and return.
We conduct regular testing of our cyber and physical security procedures to ensure these are sufficiently maintained. If at any time we believe there has been a breach of your personal data, we will notify you immediately. If you believe your personal information may have been shared with an unauthorised third party, you must let us know as soon as possible. You are responsible for keeping any personal passwords, pin numbers or similar security information private.
If you have any concerns about how we have handled or protected your information, we would hope that you contact us to discuss this but you can also escalate your concerns to the UK’s data protection regulator, the Information Commissioner’s Office (ICO). For more information, visit www.ico.org.uk
What Are Your Individual Rights?
Under the Data Protection Act 2018, you can enact any of the below rights at any time:
(1) You have the right to access all information we hold about you at any point, and you can request copies of all data we have by contacting us at the details below. Your data will be provided free of charge unless your request is excessive or repetitive, for which we reserve the right to charge an administration fee of £10.00. You must contact us to exercise this right and we will respond within one month.
(2) You have the right to rectify any information you believe is incorrect. We regularly refresh and check your data to make sure it is as accurate as possible but if you believe any details are incorrect, you can request this is amended or removed. We will respond within one month to confirm the actions we have taken.
(3) You have the right to request the erasure of your information if you withdraw consent to MoneyPlus Legal processing your data. You should contact us to request this and we will respond within one month. Please note that any right to erasure is overridden by our legal and regulatory record-keeping requirements.
(4) You can restrict the processing of your data in certain circumstances, for example; if you contest the accuracy of the information or if you object to us processing the data we hold about you. You should contact us to request this and we will respond to confirm what action we have taken within one month.
(5) You have the right for your data to be portable, which means that we can provide you with key personal information in a structured, commonly used and machine readable form free of charge. This enables you to transfer data to other companies easily and, if required, the group can supply this information directly to another firm if technically feasible. You should contact us to request this and we will provide your data within one month, though this can be extended to two months for complex cases.
(6) You have the right to understand and control automated decision making. When providing our services, we may use profiling and automated decision processes, such as through automatic calculations on potential Plevin claims. We have additional checks in place to protect vulnerable groups and oversee the accuracy of our systems, but you can request human intervention, challenge decisions, or contact us to opt out of automated decision making at any stage.
(7) You have the right to withdraw your consent at any time. You cannot remove your consent to some information we process without the contract being terminated (i.e. any data required to meet our contractual obligations) but you have the right to withdraw from the contract.
All MoneyPlus Legal customers are asked to provide their marketing preferences at the outset of their contract and, if applicable, at least annually thereafter. You will only receive marketing about third party products or services outside of the group if you have explicitly informed us you wish to be sent this. We do not share your information with any third party companies for marketing without your explicit consent, and you can withdraw this consent or change your marketing preferences at any time
Over the course of your contract, we may have a legitimate interest to notify you of other products and services that firms within the MoneyPlus Holdings group of companies provide and which we reasonably believe may be of benefit to you. If you have explicitly stated that you do not want to receive any marketing material, you will be excluded from this consideration. You can withdraw or amend your consent for marketing at any time.
Please note that you will likely receive routine information from MoneyPlus Legal regarding the performance of your chosen service. This type of information – such as newsletters, bills, or statements – is not marketing material but you can change how we contact you with this information at any time.
Changes to our Privacy Notice
Any general updates or amendments to the Privacy Notice will be held on the moneypluslegal.com website for ease of access. If we make any substantive changes to how we plan to use your information in the future, we will give you a minimum of 14 days’ notice of this. You have the right to refuse any such changes but it may result in the termination of our service if this refusal affects our ability to provide the contractual service to you. Please contact us on the details above if you have any questions about this Privacy Notice or information we hold about you.
Last Publication Date: March 2021