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Privacy Policy

Effective Date: 06/01/2025

This Privacy Policy explains how we (“we”, “us”, “our”) collect, process, share, and protect your personal data in connection with PCP and motor finance claims and related enquiry services.

Refund Consultant is a trading style of Consumer Credit Justice Ltd, authorised and regulated by the Financial Conduct Authority (FCA) for claims management activities (FRN: 834486).
This Privacy Policy applies to all users who enquire through our website, landing pages, Facebook/Instagram lead forms, or any other digital platform we use for marketing or lead generation.

  1. Who We Are (Article 13 GDPR Requirement)

Consumer Credit Justice Ltd
Trading as Refund Consultant
FCA Reference Number: 834486
Registered Address: 13th Floor, Piccadilly Plaza, Manchester, M1 4BT.
Contact Email: info@refundconsultant.co.uk

We act as a Data Controller for all personal data collected via our online forms, advertising platforms, and third-party integrations.

  1. What Personal Data We Collect

We may collect the following personal data when you submit an enquiry:

  • Full name
  • Phone number
  • Email address
  • Details of your PCP or motor finance agreement
  • Marketing preferences (SMS, phone, email)
  • IP address and device identifiers
  • Form submission timestamps and consent records
  • Source of enquiry (Facebook, Instagram, landing page etc.)

We do not collect special category data unless expressly provided by you.

  1. How We Collect Your Data

We collect personal data through:

Direct Collection

  • Facebook Lead Ads and Instagram forms
  • Website and landing-page forms
  • Email enquiries
  • Live chat or message submissions

Automated Collection

  • Cookies, pixels, and analytics tools
  • Facebook Pixel, Meta Conversion API
  • Tracking URL parameters (UTM source, campaign data)

Third-Party Integrations

  • CRM systems
  • Zapier
  • Google Sheets
  • Webhooks and API connections

Each method is GDPR-, PECR- and FCA-compliant.

  1. Why We Collect Your Data (Purpose of Processing)

We process your information to:

✔ Assess your eligibility for PCP or motor finance claims

✔ Contact you regarding your enquiry via phone, SMS, email, or messenger

✔ Provide free checks for mis-sold finance agreements (from 2007 onwards)

✔ Connect you with trusted claim partners, solicitors, or legal advisors

✔ Comply with FCA, GDPR, and ICO requirements

✔ Verify your identity and prevent duplicate or fraudulent claims

✔ Improve our website, service quality, and advertising performance

We do not sell your data.

  1. Legal Basis for Processing (GDPR Article 6)

We rely on the following legal bases:

Consent (Article 6(1)(a))

When you opt in via:

  • Facebook lead forms
  • Instagram lead forms
  • Our website or landing pages
  • Checkbox agreements for SMS/phone/email

Consent is specific, informed, and freely given.
You may withdraw consent at any time.

Contractual Necessity (Article 6(1)(b))

When you request that we:

  • Check if you are eligible for a PCP claim
  • Connect you with a regulated partner
  • Begin an enquiry on your behalf

Legitimate Interests (Article 6(1)(f))

For:

  • Preventing duplicate claims
  • Securing our systems and preventing misuse
  • Improving our services and user experience

We always balance legitimate interests against your rights.

  1. Marketing Communications (PECR & ICO Rules)

When you submit your details, you may be asked to give separate, explicit marketing consent for:

  • SMS messages
  • Phone calls
  • Emails

We only send marketing messages if:

  • You explicitly opt in, or
  • You already used our services and we contact you about a similar claim (soft opt-in)

You can opt out at any time by emailing us or replying STOP/EXIT to SMS messages.

  1. Data Sharing and Third Parties

We may share your data with carefully selected, GDPR-compliant partners who help us deliver your requested service:

✔ FCA-regulated claim management companies

✔ Solicitors and legal representatives

✔ PCP claim advisors

We only share data when:

  • You have opted in, and
  • The partner is authorised/approved to process your enquiry

We do not share data with marketing brokers or unrelated third parties.

  1. Data Processors We Use

We use secure third-party processors, including:

  • Pipedrive CRM– storing your enquiry
  • Zapier– safe data transfers between systems
  • Google Sheets– temporary encrypted storage
  • API integrations– pushing data securely to authorised partners

All processors are bound by GDPR-compliant Data Processing Agreements (DPAs).

  1. International Data Transfers

Some processors (Pipedrive, Zapier, Google) may store data outside the UK.
We ensure appropriate protections, such as:

  • Standard Contractual Clauses (SCCs)
  • The UK Addendum
  • Adequacy decisions

Your data is safeguarded to UK GDPR standards.

  1. How Long We Keep Your Data

We retain your personal data for:

Up to 12 months, unless:

  • You request deletion sooner
  • A legal obligation requires longer retention
  • You proceed with a claim (in which case, our partner’s retention rules apply)

After the retention period, your data is permanently deleted or anonymised.

  1. Your Rights Under UK GDPR

You have the right to:

  • Access your personal data
  • Correct inaccurate data
  • Request deletion (“right to be forgotten”)
  • Restrict processing
  • Withdraw consent
  • Data portability
  • Object to marketing
  • Lodge a complaint with the ICO

To exercise your rights, contact: support@refundconsultant.co.uk

  1. Cookies & Tracking

We use cookies and analytics tools to:

  • Measure campaign performance
  • Track user activity
  • Personalise advertising (via Meta, Google, etc.)

You can disable cookies in your browser at any time.

  1. How We Keep Your Data Secure

We implement:

  • Encryption
  • Multi-factor authentication
  • Access controls
  • Regular audits
  • Staff training
  • System security monitoring

We comply with:
✔ UK GDPR
✔ DPA 2018
✔ PECR
✔ FCA CMCOB rules
✔ ICO best practice

  1. Contact Details

For data protection queries, contact:

Data Protection Officer
Email: info@refundconsultant.co.uk
Address: 13th Floor, Piccadilly Plaza, Manchester M1 4BT

You may lodge complaints directly with the Information Commissioner’s Office (ICO) at ico.org.uk.

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