About this privacy policy
This privacy policy explains how HomeRisks.co.uk handles information when you visit the website, contact us, or follow links to third-party services.
HomeRisks.co.uk is maintained by Prudent Plus Limited. Prudent Plus Limited is the organisation responsible for the personal information it collects directly through this website.
Who we are
Prudent Plus Limited is registered in England under company number 10104295 and is based at Booths Hall, Booths Park, Knutsford, Cheshire WA16 8GS.
Prudent Plus Limited is registered with the Information Commissioner's Office under reference ZB208127.
Information we may collect
HomeRisks.co.uk is mainly an information website. We do not ask visitors to create an account in order to read the articles.
Depending on how the site is configured and how you use it, we may receive limited information such as:
- technical information sent automatically by your browser, such as IP address, browser type, device type and operating system;
- the pages you visit and the time spent on them;
- referring pages or websites;
- information you choose to send to us by email;
- information needed to investigate technical problems, security incidents or misuse of the website.
Information you send by email
If you contact us by email, we will receive the information contained in your message together with your email address and any other details you choose to provide.
Please do not send passwords, bank details, card information, medical records or other highly sensitive information by ordinary email.
We may keep correspondence where it is reasonably needed to answer your enquiry, deal with a complaint, correct the website, or keep an appropriate record of a business communication.
Why we may use personal information
Where personal information is processed directly by Prudent Plus Limited, it may be used for purposes such as:
- responding to an enquiry or request;
- maintaining and securing the website;
- understanding how visitors use the site;
- correcting errors and improving content;
- preventing spam, fraud, abuse or unauthorised access;
- meeting legal, regulatory or record-keeping obligations.
Our legal basis for using information
The legal basis depends on why the information is being used.
In many cases we rely on legitimate interests, for example to operate the website, maintain security, answer ordinary enquiries and improve the service. Where we have a legal obligation, we may process information because the law requires it. If consent is needed for a particular use, we will rely on consent and you will be able to withdraw it.
Insurance comparison links
Some HomeRisks.co.uk pages include links to a home-insurance comparison service provided by Seopa Ltd, trading as Quotezone.
If you follow one of those links, you leave HomeRisks.co.uk and enter a service operated by a third party. Information you enter into that comparison service is handled under that provider's own privacy policy and terms.
Prudent Plus Limited does not receive or store the full information you enter into the comparison form unless the third party separately provides information to Prudent Plus Limited for a lawful business purpose.
Affiliate and referral tracking
Links to insurance-comparison services may contain referral information so the provider can identify that a visitor arrived from HomeRisks.co.uk.
This can be used to record introductions, measure the performance of a referral link and calculate commission where a policy is bought. The third-party provider is responsible for explaining any cookies or tracking it uses once you reach its service.
Cookies
A cookie is a small file stored by a website in your browser. Cookies can be used for essential site functions, security, remembering preferences, analytics and advertising.
If HomeRisks.co.uk uses non-essential cookies or similar tracking that requires consent, visitors should be given an appropriate choice before those technologies are used.
Your browser also allows you to delete or block cookies, although doing so can affect how some websites work.
Analytics
We may use website analytics to understand matters such as which pages are visited, how visitors reach the site and whether pages are working properly.
If analytics services are used, the information collected may include technical and usage data. Where required, appropriate cookie consent and privacy information should be provided.
Server logs and website security
The company hosting HomeRisks.co.uk may keep server logs as part of operating and protecting the website. These can contain IP addresses, dates and times, requested pages, browser information and error details.
Logs may be used to diagnose faults, prevent attacks, investigate misuse and maintain the security of the website.
Who may receive personal information
Personal information may be shared with organisations that help us operate the website or business where this is reasonably necessary. Examples can include website hosts, IT providers, professional advisers and service providers.
We may also disclose information where required by law, a regulator, a court, law-enforcement authorities or where disclosure is reasonably necessary to protect legal rights or prevent fraud or serious misuse.
International transfers
Some technology providers may process information outside the United Kingdom.
Where UK data-protection law requires safeguards for an international transfer, the organisation responsible for that transfer should use an appropriate legal mechanism.
How long information is kept
We do not intend to keep personal information for longer than it is reasonably needed.
Retention periods vary according to the type of information and why it is held. For example, routine email enquiries may be deleted sooner than records that need to be kept for legal, regulatory, accounting, complaint-handling or fraud-prevention reasons.
Keeping information secure
Reasonable technical and organisational measures should be used to protect personal information against loss, misuse, unauthorised access, alteration or disclosure.
No internet service or email system can be guaranteed to be completely secure, so please take care when deciding what information to send electronically.
Your data-protection rights
Depending on the circumstances, UK data-protection law may give you rights relating to personal information held about you. These can include the right to:
- ask for a copy of personal information held about you;
- ask for inaccurate information to be corrected;
- ask for information to be deleted in certain circumstances;
- ask for processing to be restricted;
- object to certain uses of your information;
- receive some information in a portable format where the law provides that right;
- withdraw consent where processing is based on consent.
These rights are not absolute and the law allows exceptions in some situations.
Complaints
If you have a concern about how Prudent Plus Limited has handled your personal information, please contact us first so we have an opportunity to look into it.
You also have the right to complain to the Information Commissioner's Office if you remain dissatisfied. The ICO is the UK's independent data-protection regulator.
Children
HomeRisks.co.uk is intended for general household information and is not designed as a service directed specifically at children.
We do not knowingly seek to collect personal information from children through ordinary use of the website.
Links to other websites
The site may link to public bodies, regulators, professional organisations, insurers, comparison services and other external websites.
Those websites have their own privacy practices. HomeRisks.co.uk is not responsible for how another organisation collects or uses information after you leave this site.
Changes to this privacy policy
We may update this notice when the website, its technology or our legal and regulatory obligations change.
The version shown on this page is the current privacy notice for HomeRisks.co.uk.
Contact us about privacy
If you want to ask a privacy question, exercise a data-protection right or raise a concern, contact Prudent Plus Limited by email:
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