Privacy POLICY

April 2022

Privacy Policy - website users

This policy (together with our Terms and Conditions) sets out the basis on which we will process any personal data that you provide to us. Please read it carefully.

Data Controller

For the purposes of the Data Protection Act 2018 (the Act) and the EU General Data Protection Regulation (“GDPR”), the data controller is Stipendium Ltd of 6th Floor, Royal Exchange Building, St Ann’s Square, Manchester M2 7FE.

Processing your data

Your personal data is processed in the following ways:

Quotes for services

Your personal data is provided to the service providers we quote on behalf of. They will only use your data to contact you in respect of the quote you have asked for. We process your data under the ‘legitimate interest’ basis of GDPR to ensure our service, which is free to all users, is commercially viable.

This data comprises of your name, email address, telephone number and address.

Other services

When you register for quotes for a survey/building service we may invite you to opt-in to receive emails helping you get quotes for other services from Stipendium. We process this data using the “consent” basis of GDPR. Your personal details will only be used to send you notifications you have requested and for no other purpose. Your details are not shared with third-parties who may provide the service to Stipendium at this stage. If you respond to the emails we send inviting you to get quotes for other services we will explicitly inform you when other firms will be passed your details. You may opt-out of receiving these emails at any time.

You may opt-in to receive a series emails over a number of weeks. We process this data using the “consent” basis of GDPR. You may opt-out of receiving these emails at any time.

Other information we may collect on you

If you contact us we may keep a record of that correspondence.

We automatically collect the following data about you when you visit our site:

Browser user-agent information – this will reveal your browser (including version), operating system and may reveal your mobile device model information. This information is captured in our webserver logs and may be used for anonymised analysis of site usage.
IP address – this information is captured in our webserver logs and is recorded when you request a quote or leave feedback. We may use this information for protection against fraudulent use of our services.

We can automatically detect your approximate location (latitude and longitude) if you opt-in to allow us to obtain your location through your browser geolocation information – we offer this facility on some of our web pages. You may revoke this permission at any time via your browser.

On occasion we may reach out to you to talk about how you found our service. Deciding to talk to us is completely up to you. Calls may be recorded and transcribed. This market research data may cover when and how you used the website, and more general information about your experience of Stipendium.

Tracking and cookies

We use cookies. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used to make websites work more efficiently as well as to provide information to the owners of the site.

Stipendium's website use first-party cookies, which allow us to distinguish you from other users. They maintain functionality as you move between pages and help us to improve our sites. We also use some widely-used third-party social media plugins as marketing tools, and to provide convenience tools for our visitors, which create cookies.

Can I control my cookie preferences?

There are different types of cookies on our sites. Some of these, used for marketing purposes or to enable third-party plug-ins, are optional. Others are necessary for the functioning of the sites, and as such you can’t turn these off – however, these do not collect personal information about you. You can review your cookie preferences using the links at the bottom of each of our sites.

Please note, if you choose to have your browsers refuse cookies completely by changing your browser settings (rather than those on our sites), this may prevent you from taking full advantage of our sites.

The types of cookie we collect are as follows:

STRICTLY NECESSARY

These cookies cannot be turned off as they are required in order for our website to work.

FUNCTIONAL

These cookies are used to deliver certain functionality, such as advanced website layout, to remember which types of cookies you’re happy for us to collect, and to tell us how our customers use our website by recording anonymous website usage statistics. We use this data to ensure our websites are working well for all our customers, and help us to make improvements. These cookies cannot be turned off.

MARKETING

These cookies are used to help us analyse detailed website use and decide which services are relevant to you. We use this data to tailor marketing and ads that you may see on our or other website and mobile platforms, including social media.

See a breakdown of the different types of cookie on our sites

Cookie	Name	Purpose	More Information
Browser Session	ASP.NET_SessionId	This cookie is automatically set when you land on the website. It enables functionality between pages and is essential for parts of the site to operate. It is held temporarily and is deleted when you close your web browser. It does not contain personally identifiable information and is anonymous.	Visit the Microsoft website.
Google Analytics	· __utma – it ascertains the number of times a visitor has been to web site. It expires after 2 years. · _utmb - it detects when a unique user session. It expires after 30 minutes. · _utmc – it determines when to create a new session for a website visitor. It’s a session cookie and expires when you exit the browser. · _utmz – it tracks how you found us and calculates traffic & navigation within the website. It expires after 6 months.	These cookies to identify which pages are being used. This helps us to count the number of visitors, which pages they visited and where they have come from, so we can improve the way our website works. The cookies collect information in an anonymous form. We report on this activity in aggregate, and use this information solely for the purposes of monitoring and improving our website.	More details on the cookies set by Google Analytics: Google Code An overview of Google’s Privacy Policy To opt out of Google Analytics, use their Opt Out Tool
Twitter	· guest_id · original_referer · _twitter_sess · K	This site uses this social plugin to make following our Twitter accounts easy and to display the latest tweets.The code provided by Twitter to include Twitter plugin functionality by default sets a mix of third party persistent and session cookies.	Uses the plugin on the basis that Twitter adheres to its Privacy Policy.

Retargeting

This website uses retargeting services (sometimes referred to as remarketing) to advertise on 3rd party websites (including Google and Facebook) to previous visitors to our site. Any data collected will be used in accordance with our own privacy policy and the 3rd parties’ privacy policies.

You can set preferences for how Google advertises to you using the Google Ad Personalization page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

Where we store your personal data

Your data will usually be held in a destination inside the European Economic Area ("EEA"). The EEA consists of the 28 EU Member States plus Norway, Liechtenstein and Iceland. However, there may be times when the data we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA").

By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data are maintained securely and in accordance with this privacy policy and applicable data protection law.

Uses made of the information

We use information held about you in the following ways:

To ensure that content from our site is presented in the most effective manner for you and for your computer.
To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
To allow you to participate in interactive features of our service, when you choose to do so.

We will hold your personal data for 1 year (unless there is an outstanding matter with you that is still unresolved).

If we have interviewed you about your experience of Stipendium, this information will be used to improve our service, and our understanding of the user journey.

Disclosure of your information

We may disclose your personal information to third parties:

If Stipendium Ltd or its assets are acquired by a third party, in which case personal data held by Stipendium Ltd about its customers will be transferred to the acquirer.
If we are under a duty to disclose your personal data, for example to a Government agency, to comply with any legal obligation, or to enforce our Terms and Conditions or to protect the legitimate rights, property, or safety of us our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Our site may contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Your rights

You have the following rights in relation to the processing of your data:

The right at any time to withdraw your consent to our use of your data, but if you do so we may no longer be able to provide services to you;
The right to ask us not to process your personal data for marketing purposes;
The right to access the information we hold about you and to be provided with a copy. If you make more than one such request, we will be entitled to charge a reasonable fee for the second and subsequent requests;
If you consider that any of the information that we hold about you is inaccurate, you have the right to ask us to rectify that inaccuracy;
If you consider that the information that we hold about you is incomplete, you have the right to ask us to complete it;
The right to ask us to delete the information that we hold about you if, for example, you consider that this information is no longer necessary for the purpose for which we collected it. This is sometimes referred to as “the right to be forgotten”;
The right to ask us to suspend processing of your data if: (i) you consider that it is inaccurate; or (ii) its processing is unlawful but you do not wish us to delete it; or (iii) we no longer require the data but you need us to keep it for a legal claim; or (iv) you object to the processing and we are verifying whether we have a legitimate reason to continue processing it;
The right to be provided with a copy of the data that we hold about you in a commonly used electronic format. This is sometimes referred to as “data portability”.

If you wish to use any of these rights you can contact us on us by email at hello@stipendium.io.

You also have the right to bring any concerns about our processing of your personal data to the Information Commissioner’s Office (“ICO”). The ICO can be contacted by telephone 0303 123 1113.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page.

Privacy Policy - Stipendium partners

“Partners” are defined as members of the Stipendium quoting panel.

We process your data under the ‘contract’ basis of GDPR.

We use information held about you in the following ways:

To provide quotes and listings to our website users.
To carry out our obligations arising from any contracts entered into between you and us.
To notify you about changes to our service.
To allow you to participate in interactive features of our service, when you choose to do so.

Partners

Broadband:

Our domestic online and telephone based digital comparison and switching service is supported by our trusted Partner UK Web Media Ltd (company number 04388827 – part of the Comparison Technologies group of companies), trading as [Brand Name] (registered address - The Ridge, Chartway Street, East Sutton, Maidstone, Kent, ME17 3JB) who processes data securely and in line with Data Protection regulations. The Partner is the Data Controller in relation to the digital comparison and switching service and the personal data collected via the digital comparison and switching service.

The service contains links to enable you to visit other websites of interest easily; once you use these links you will leave our site and should note that we do not have any control over that other website. We are not responsible for the protection and privacy of any information which you provide whilst visiting those other sites, and such sites are not governed by this privacy statement. Please refer to the Privacy Policy applicable to the website you are using.

If you use the call centre service our Partner will request specific data needed to provide the Service and complete the application within the supplier’s website, this will include (but is not limited to) full name and title, address, date of birth and contact details. Where suppliers request previous address history for credit checks, card details for up-front payments, and bank sort code and account number in order to set up Direct Debits, we will ask you for this information and enter it directly into the supplier’s website.

Energy:

Our domestic online energy comparison and switching service is provided by our trusted Partner Fundraising Innovations Ltd (company number 04426857), trading as energyhelpline (registered address - The Cart Wagon Lodge, Friday Street Farm, Friday Street, East Sutton, Kent, ME17 3DD) who processes data securely and in line with Data Protection regulations.

Where we store your data

Privacy policy - affiliate partners

Also known as “referral” partners.

We process your data under the ‘contract’ basis of GDPR.

We use information held about you in the following ways:

To carry out our obligations arising from any contracts entered into between you and us.
To notify you about changes to our service.
To allow you to participate in interactive features of our service, when you choose to do so.

All business agreements, contract and other related documents will be retained for as per Section 5 of the Limitation Act 1980.