OUR PRIVACY / GDPR POLICY
Our Commitment to Privacy
At Financial Claims Helpline Limited (FCHL), we are committed to respecting and protecting your privacy. This Privacy Policy covers information we collect from users and visitors of www.fchl.co.uk. By using our Services or agreeing to this Privacy Policy, you are consenting to the collection, use, disclosure of your information as described below.
If you have any concern about providing information to us or having such information used in any manner permitted in this Privacy Policy, you should not use the Services.
What information do we collect?
We collect information about you when you use our Services in several ways.
Information Provided by You
- We collect information from you when you register your details on our site or subscribe to our informational newsletter.
- When registering on our site, you may be asked to enter your e-mail address. However, you may visit our site anonymously. If you believe that someone has created an unauthorised account depicting you or your likeness, you can request its removal by contacting info@fchl.co.uk
Information Provided by Third Parties
We may collect, process and store your information associated with any social media account (such as happens when you enter a promotion or interact with a social application and agree to allow fchl to access your social media information. It happens also when you, as an Account Holder, upload company information data to use in FCHL financial services).
Automatically Collected Information
FCHL and third parties may use automated means to collect information about you, your computer or other device, and your use of our Services by using technologies such as cookies, web server logs, web beacons and Javascript.
Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser that enables the sites or service providers systems to recognise your browser and remember certain information.
We use cookies to understand and save your preferences for future so that we can offer better site experiences and tools in the future.
In addition, we use your public IP address to detect your location.
What do we use your information for?
FCHL may use the information we collect about you to:
- Establish your account and provide the Services;
- Fulfil your requests and provide customised content to you;
- Improve our Services and provide better customer service
- To develop new features and services.
- Provide our customers’ marketing analytics,
- To send periodic emails newsletters for marketing, and
- To investigate, prevent, or take action regarding unlawful or harmful activities, including potential threats to the physical safety of a person, potential fraud, and any violations of our Terms of Service.
How do we share the Information?
Information about you may be shared for the following purposes:
- When we have your consent or where it is necessary to carry out your instructions;
- As reasonably necessary to provide Services’ features and functionality to you;
- We may share your information with our associates, third-party vendors or business partners who provide services on our behalf, which may include analytics, customer service, marketing, sales, payment processing, and fraud prevention. Occasionally we may also authorise third-party vendors to collect information on our behalf, including as necessary to operate features of our Services.
- When we believe in good faith that sharing is reasonably necessary to investigate, prevent, or take action regarding possible unlawful activities or to comply with legal process or other legal requirements.
- When we deem disclosure appropriate in situations involving potential threats to the physical safety of any person, potential violations of our terms, or claims of violation of the rights of third parties
- When we deem disclosure appropriate to protect the rights, property and safety of us, our employees, users, or another person or entity (the disclosures described here may involve the sharing of your information with, for example, law enforcement, government agencies, legal authorities / courts, or other parties).
Information Access, Correction, and Deletion Options
You have a right to:
- Access, modify, correct, or delete certain of your information regarding your user profile, and
- Close your account. You can also contact us regarding any account information which is not on your profile or readily accessible to you.
If you close your account, your information may be removed or unpublished from the Services within a reasonable amount of time.
Please note that information that others have copied may remain visible and you may not be able to access, correct, or eliminate any information about you that others copied or exported out of www.fchl.co.uk, because this information may not be in our control.
Your information may also be displayed in search engine results indefinitely as this is not under our direct control.
We keep your accurate, complete and up-to-date personal information for as long as your account is active.
For example, we may keep certain information even after you close your account if it is necessary to comply with our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, enforce our agreements or as part of our Website data backup process. We may keep your data in a published or unpublished format on the Services or in backups on servers in the UK and abroad,
How do we protect your information?
We have implemented various technical, administrative, and physical safeguards to protect your information and to prevent unauthorised access, maintain data accuracy, and ensure the correct use of information. These safeguards maybe in the form of software firewalls, hardware firewalls and vary depending on the sensitivity of the information at issue.
Third Party Links and Services
The Services may contain links to third-party websites, applications and services, including social media services such as Facebook, as well as embedded images / videos or other third-party content and features. Your use of these features may result in the collection, processing or sharing of information about you, depending on the features accessed. We are not responsible for the content, features, security or practices of any third parties. The information you choose to provide to or that is collected by these third parties is not covered by our Privacy Policy.
Changes to our Privacy Policy
This Privacy Policy may be modified from time to time so please review the changes carefully. If you disagree with the Privacy Policy, you must stop using our Services. If you continue to use our Services after we publish an updated privacy policy or communicate a notice about any changes to this Privacy Policy, you are consenting to such changes.
International Users
The Services are hosted in the United Kingdom and are governed by the Laws and Regulations of the United Kingdom. Please be aware that your information may be transferred to, stored and processed in the United Kingdom or any other country where our data servers are located.
The data protection and other laws of the United Kingdom might not be as comprehensive as those in your country. By using the Services, you consent to your information being transferred to our facilities and to the facilities of our associates, partners and third parties with whom we share it as described in our Privacy Policy.
Contact Us
If you have any requests, questions, comments, or concerns regarding this privacy policy you may write to us at info@fchl.co.uk
The law states that brokers and lenders must ensure that mortgages are affordable throughout the entire mortgage term. If it can be shown that your mortgage was mis-sold then you may be able to claim for losses from the day your mortgage began.
Did you take out a secured loan before 2008 or remortgage before 2004? If so your advisor or broker was almost certainly paid a substantial undisclosed secret commission without your knowledge or authority. The law states you must be repaid that money.