Question 1

Our Service

Accepted Answer

Our service enables people to request quotes or information about the products shown on this website. Our service is connecting people who are looking to purchase those products with relevant service providers of those products.

Question 2

Who controls my personal information?

Accepted Answer

This notice tells you how Prosper Protect Limited, as data controller, will deal with your personal information. Where Prosper Protect Limited introduces you to a company outside the group, that company will tell you how your personal information will be used.
This website is owned and operated by More4Business Limited and is intended for use by Business owners in the United Kingdom.
 
You can ask for further information about our use of your personal information or complain about its use in the first instance, by contacting our Data Protection Officer at:
 
Prosper Protect Limited 
West Barn, Wimborne Road, 
Blandford Forum, 
Dorset, 
DT11 9HN
 
or by emailing the Data Protection Officer at info@prosperprotect.co.uk
 
You may also complain about it to the Office of the Information Commissioner (“ICO”).

Question 3

What personal information will you collect about me?

Accepted Answer

We will collect and process the personal information that you give us by phone, e-mail, filling in forms, including on our website, and when you report a problem with our website. We will also collect information you have volunteered to be in the public domain and other industry-wide sources.
 
We will only collect personal information that we require to fulfil our contractual or legal requirements unless you consent to provide additional information. The type of personal and business information we will collect includes; basic business information (i.e. business name, business email, business contact number, business address, business services required), basic personal information (i.e. name, address and date of birth), occupation and financial details, health, and family information, and where you have requested other individuals be included in the arrangement, personal information about those individuals. We will collect Your IP address (a unique number which allows your computer to communicate with others on the internet) and user agent (device information)
 
If you give us personal information on other individuals, this will be used to provide you with a quotation and/or contract of insurance and/or provision of financial services/b2b nonregulated products/b2b regulated products. You agree you have their permission to do so. Except where you are managing the contract on another's behalf, please ensure that the individual knows how their personal information will be used by More4Business Ltd. More information about this can be found in the ‘How do you use my personal information’ section.
 
From time to time, the information we request may change. If it does, it will be clear what we are requesting, and we only request information relevant to the product you are enquiring about.

Question 4

How do you use my personal information?

Accepted Answer

We and our selected third parties will only collect and use your business or personal information
 
(i) where the processing is necessary in connection with providing you with a quotation and/or contract of insurance and/or provision of financial services/b2b nonregulated products/ b2b regulated products. that you have requested;
(ii) to meet our legal or regulatory obligations; or
(iii) for our "legitimate interests". It is in our legitimate interests to collect your business or personal information as it provides us with the information that we need to provide our services to you more effectively including providing you with information about our products and services. We will always ensure that we keep the amount of information collected and the extent of any processing to the absolute minimum to meet this legitimate interest.
 
Examples of the purposes for which we will collect and use your business and personal information are:
·        to provide you with a quotation and/or contract of insurance/funding agreement.
·        to introduce a broker based on the service you requested
·        to identify you when you contact us;
·        to make and receive payments;
·        to obtain feedback on the service we provide to you;
·        to administer our site and for internal operations including troubleshooting, data analysis, testing, research, statistical and survey purposes;
·        for fraud prevention and detection purposes.
 
We will contact you to obtain consent prior to processing your personal information for any other purpose, including for the purposes of targeted marketing unless we already have consent to do so.
 
As a business owner we may contact you regarding business related products and services which we believe may be of interest to you. We will also provide a method to opt out of these communications, should you wish too.

Question 5

Direct Marketing

Accepted Answer

If you request a quote using our service then as our customer, we would like to email you, or send you text messages, about similar related products, and services for which we think you might like quotes or information. Under the Privacy and Electronic Communications (EC Directive) Regulations 2003 (PECR), we send such communications on the basis of the existing customer (soft opt-in) exemption.
 
You will always be given an opportunity to opt out of such messages before we send them, and we will never send such messages if you have opted out: https://www.more4business.co.uk/unsubscribe(https://www.more4business.co.uk/unsubscribe)

Question 6

Profiling, Custom & Lookalike/Similar Audiences

Accepted Answer

We work with Facebook, Google, and other platforms to reach out to you with adverts for similar related products and services we think you might be interested in. We also like to use platforms to reach out to other people who might like to use our service.
 
We do this in two ways. In both cases, your data, along with other data, is used to create a custom audience and/or a lookalike/similar audience. Whenever an audience is shared with a platform, the data is first hashed and pseudonymised, meaning that any data within the audience that could identify a person is replaced with an artificial identifier, and the process of transferring the data is secure. We don’t share more data than we need to for the purpose of creating the audience.
 
Custom Audience - A custom audience is a list of existing users of our service. From time to time, we share this with these platforms. As explained above, the data is first hashed and pseudonymised. The platform uses this audience to show our existing users our adverts for our other products and services.
 
Lookalike/Similar Audience - A lookalike/similar audience is an audience created by the platform. From time to time, we share with platforms a list of existing users. The platform profiles this list to find and create lookalikes - i.e. other platform users who have similar characteristics to the existing users - to which it shows our adverts. Again, as explained above, the data is first hashed and pseudonymised.
 
If we transfer data to these platforms, we will only do so where the entity we contract with is based within the UK or EEA, and if the platform uses sub-processors, that their sub-processors are in countries that have a European Commission adequacy decision, which means they are considered to offer an adequate level of data protection (e.g. EU-USA Privacy Shield).
 
At any time, you may object to such activity by opting out:
https://www.more4business.co.uk/unsubscribe(https://www.more4business.co.uk/unsubscribe)
 
You can also opt out on Facebook
https://www.facebook.com/ads/preferences/edit/(https://www.facebook.com/ads/preferences/edit/)
 
and Google
https://adssettings.google.com/(https://adssettings.google.com/)

Question 7

Legitimate Interest

Accepted Answer

We have a legitimate interest in processing your data in the following ways, because you have asked us to do it and it is also necessary to allow us to fulfil our contractual obligations to you.
 
Connect you with relevant service providers;
Calling you to confirm your details and requirements;
To email you about similar products and services;
To create custom/lookalike/similar audiences;
 
You have the right to object to processing based on legitimate interests. In each case where we have identified legitimate interests as the legal basis for our processing, we have conducted a legitimate interest’s assessment.

Question 8

Who do you share my personal information with?

Accepted Answer

Where necessary, we will share the personal information you gave us for the purposes of providing you with the goods and services you requested with the types of organisations described below:
·        associated companies including reinsurers, suppliers, and service providers;
·        introducers and professional advisers;
·        regulatory and legal bodies;
·        credit reference agencies;
 
Or, to meet our legal or regulatory requirements, with the types of organisations described below:
·        regulatory and legal bodies;
·        central government or local councils;
·        law enforcement bodies, including investigators;
·        credit reference agencies; and
·        other insurance companies.
 
Were our business to be sold all your data would be transferred to the purchaser so that they could use it in the same way as we do now.

Question 9

How do you transfer my personal information to other countries?

Accepted Answer

When we transfer personal data to companies or service providers outside the United Kingdom (or,  if processing is subject to EU law, outside the European Economic Area), we will only do so where we have confirmed that the transfer is lawful under data-protection law. This will be achieved by using one of the following safeguards (as applicable):
1. the destination country is subject to an “adequacy decision” under relevant data-protection legislation, meaning it is recognised as providing a level of data protection equivalent to that of the UK (or EEA); or
2. we have put in place a valid transfer agreement such as the UK International Data Transfer Agreement (IDTA), or the EU Standard Contractual Clauses (SCCs) together, if required, with the UK Addendum; or
3. we have implemented alternative appropriate safeguards (for example Binding Corporate Rules), along with any necessary risk-assessment and supplementary measures to ensure that, even after transfer, your personal data continues to be protected.

We will only transfer personal data outside of the UK/EEA when one of these safeguards is in place and, where required, only after performing a transfer-risk assessment. In each case, we remain responsible for ensuring that your data is afforded protections essentially equivalent to those set out under UK (or EU) data-protection law.

Question 10

How long do you retain my personal information for?

Accepted Answer

Your data will be retained in our systems for up to five years after we obtain it or ten years after we pass you through to a Service Provider. These periods of time are subject to legal, tax and regulatory requirements or to enable us to manage our business.

Question 11

What are my data protection rights?

Accepted Answer

You have several rights under the data protection laws, namely:
•       to access your data (by way of a subject access request);
•       to have your data rectified if it is inaccurate or incomplete;
•       in certain circumstances, to have your data deleted or removed;
•       in certain circumstances, to restrict the processing of your data;
•       a right of data portability, namely to obtain and reuse your data for your own purposes across different services;
•       to object to direct marketing;
•       not to be subject to automated decision making (including profiling), where it produces a legal effect or a similarly significant effect on you;
•       to claim compensation for damages caused by a breach of the data protection legislation.
•       if we are processing your personal information with your consent, you have the right to withdraw your consent at any time.

Question 12

What happens if I fail to provide my personal information to you?

Accepted Answer

If you do not provide us with your personal information, we will not be able to introduce you to an appropriate broker for the service you have requested.

Question 13

Changes to our Privacy Policy

Accepted Answer

Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our Privacy Policy.