1. Introduction

Refund Agency Ltd ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your personal data when you use our website, communicate with us, or engage our services. It also outlines your privacy rights and how the law protects you.

We are registered in England and Wales under company number 10700035 and our registered office is located at Granville Suite, Business Development Centre, Stafford Park 4, Telford, Shropshire, TF3 3BA.

2. What This Policy Covers

This policy applies to:

• All visitors to our website
• Clients and potential clients using our services
• Individuals contacting or communicating with Refund Agency for enquiries, support, or consultation

This website is not intended for use by children, and we do not knowingly collect data relating to children.

3. Data We Collect

We may collect the following types of personal data:

• Identity Data: Full name, date of birth, gender
• Contact Data: Address, email address, telephone numbers
• Financial Data: Payment or account information (as required for service engagement)
• Transaction Data: Details of services you've used or requested
• Technical Data: IP address, browser type and version, time zone setting, location, and other technical identifiers when using our site
• Usage Data: How you use our website or services
• Marketing Data: Your preferences in receiving marketing from us

We do not collect special categories of personal data such as health, ethnicity, or religious beliefs.

4. How We Collect Your Data

We collect your data through:

• Direct interactions (form submissions, consultations, calls, or emails)
• Automated technologies (cookies and usage tracking)
• Third-party referrals or services (where you have consented)

5. How We Use Your Data

We use your personal data for the following purposes:

• To provide and manage our services
• To contact you in response to enquiries or service requests
• To comply with legal or regulatory obligations
• For internal record keeping, audits, and fraud prevention
• To send marketing communications (if you've opted in)

We only process your data where legally permitted, typically based on:

• Performance of a contract
• Compliance with legal obligations
• Legitimate interests pursued by Refund Agency (unless overridden by your rights)

6. Marketing Communications

You may receive marketing communications from us if:

• You requested information from us
• You engaged with us and did not opt out of marketing
• You subscribed via our website

You can opt out at any time by clicking the "unsubscribe" link in emails or contacting us directly.

7. Cookies and Tracking Technologies

We use cookies to improve website functionality and understand usage patterns. You can control cookie preferences via your browser settings. For more information, see our separate Cookie Policy.

8. Data Sharing and Disclosure

We may share your data with:

• Professional advisers (lawyers, compliance specialists, accountants)
• Regulators or authorities where required by law
• Service providers who assist in our operations (e.g. IT support, CRM systems)
• Legal partners assisting in fund recovery, only when deemed necessary and in your interest

We do not sell or rent your personal data to third parties.

9. International Transfers

We do not transfer your data outside of the UK or European Economic Area (EEA) unless appropriate safeguards are in place to protect your rights.

10. Data Security

We have implemented appropriate security measures to prevent unauthorized access, use, alteration, or loss of your data. We also restrict access to your data to only those employees and third parties who require it for legitimate business purposes.

11. Data Retention

We retain your data:

• For as long as necessary to fulfil the purposes we collected it for
• To comply with legal, accounting, or reporting obligations (usually 6 years for legal compliance)
• In some cases, anonymized data may be retained for research or statistical use

12. Your Legal Rights

You have the right to:

• Access your data
• Request correction of inaccurate or incomplete data
• Request deletion of your data (subject to legal exemptions)
• Object to data processing in certain circumstances
• Withdraw consent for marketing at any time
• Request a copy of your data in a portable format

To exercise any of these rights, please contact our Data Protection Officer (details below).