Privacy policy.

This privacy notice tells you what to expect us to do with your personal information.

Contact details

Post. Prime Future Ltd, Unit 9 Stephenson Court, Stephenson Way, Newark, Nottinghamshire, NG24 2TQ, GB.

Email. office@primefuture.co.uk

What information we collect, use, and why

To provide services and goods, including delivery

• Names and contact details
• Addresses
• Date of birth
• Payment details (including card or bank information for transfers and direct debits)
• Credit reference information
• Account information
• Identification documents

We also collect or use the following special-category information to provide services and goods:

• Racial or ethnic origin
• Health information

For the operation of customer accounts and guarantees

• Names and contact details
• Addresses
• Payment details (including card or bank information for transfers and direct debits)
• Information used for security purposes
• Marketing preferences

For service updates or marketing purposes

• Names and contact details
• Addresses
• Marketing preferences
• Location data

To comply with legal requirements

• Name
• Contact information
• Identification documents
• Financial transaction information
• Health information

For dealing with queries, complaints or claims

• Names and contact details
• Address
• Payment details
• Account information
• Purchase or service history
• Witness statements and contact details
• Relevant information from previous investigations
• Customer or client accounts and records
• Financial transaction information
• Correspondence

Lawful bases and data protection rights

Under UK data protection law, we must have a ‘lawful basis’ for collecting and using your personal information. There is a list of possible lawful bases in the UK GDPR. You can find out more about lawful bases on the ICO's website.

Which lawful basis we rely on may affect your data protection rights, set out below. Some exemptions may apply.

Your data protection rights

• Right of access. You have the right to ask us for copies of your personal information. You can request other information such as details about where we get personal information from and who we share personal information with.
• Right to rectification. You have the right to request correction or deletion of personal information you believe is inaccurate or incomplete.
• Right to erasure. You have the right to ask us to delete your personal information.
• Right to restriction of processing. You have the right to ask us to limit how we can use your personal information.
• Right to object to processing. You have the right to object to the processing of your personal data.
• Right to data portability. You have the right to ask that we transfer the personal information you provided to another organisation, or to you.
• Right to withdraw consent. When we use consent as our lawful basis, you have the right to withdraw your consent at any time.

If you make a request, we must respond to you without undue delay and in any event within one month. To make a data protection rights request, please contact us using the details at the top of this notice.

Our lawful bases for the collection and use of your data

For providing services and goods

• Consent. We have permission from you after we gave you all the relevant information. All data protection rights may apply, except the right to object. You have the right to withdraw consent at any time.
• Contract. We have to collect or use the information so we can enter into or carry out a contract with you. All data protection rights may apply except the right to object.
• Legal obligation. We have to collect or use your information so we can comply with the law. All data protection rights may apply, except the right to erasure, the right to object and the right to data portability.
• Legitimate interests. Improving customer experience, fraud prevention and risk management, and direct marketing and communication. Customers can opt out at any time.

For the operation of customer accounts and guarantees

• Contract. We have to collect or use the information to enter into or carry out a contract with you.
• Legal obligation. We have to collect or use your information to comply with the law.
• Legitimate interests. Efficient account management, fraud prevention and security, improving service delivery, resolving queries and complaints, and communicating important updates related to customer accounts.

For service updates or marketing purposes

• Consent. All data protection rights may apply, except the right to object.
• Legitimate interests. We process personal information to send service updates and marketing communications we believe are relevant and beneficial. Customers can opt out at any time using the unsubscribe link in our emails or by contacting us.

For legal requirements

• Legal obligation. We have to collect or use your information to comply with the law.
• Legitimate interests. To ensure compliance with regulatory obligations, internal governance, accurate record-keeping, and demonstrating compliance with applicable laws and standards.

For dealing with queries, complaints or claims

• Contract. We have to collect or use the information to enter into or carry out a contract with you.
• Legal obligation. We have to collect or use your information to comply with the law.
• Legitimate interests. To handle and resolve customer queries, complaints, or claims, improve customer satisfaction, and identify ways to improve our processes.

Where we get personal information from

• Directly from you
• Insurance companies
• Suppliers and service providers
• Third parties
• Other brokers or financial advisors you have engaged with — to facilitate mortgage or insurance applications, manage claims, or provide financial advice.
• Marketing companies where you have provided consent for your details to be shared with us.

How long we keep information

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, including to comply with legal, regulatory, tax, accounting, or reporting requirements. We also retain personal information to resolve disputes and enforce our agreements.

• Customer contracts. Retained for 6 years after the contract ends to comply with legal obligations.
• Marketing data. Retained for up to 2 years after your last interaction with us, unless you opt out earlier.
• Complaints or claims. Retained for 6 years after resolution for legal or regulatory purposes.

Once the retention period expires, personal data will either be securely deleted, anonymised, or archived for research or statistical purposes.

Who we share information with

Others we share personal information with:

• Insurance companies
• Professional or legal advisors
• Financial or fraud investigation authorities
• Relevant regulatory authorities

Organisations we're legally obliged to share personal information with:

• Suppliers and service providers

How to complain

If you have any concerns about our use of your personal data, you can make a complaint to us using the contact details at the top of this notice.

If you remain unhappy with how we've used your data after raising a complaint with us, you can also complain to the ICO.

The ICO's address.Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
Helpline. 0303 123 1113
Website. ico.org.uk/make-a-complaint