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(79)  Unclassified (17)
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NameProviderPurposeExpiryTypeCookieConsent [x3]CookiebotStores the user's cookie
consent state for the current domain1 yearHTTPincap_ses_# [x3]expcdn.co.uk
www.experian.co.uk
www.experian.iePreserves users states across page
requests.SessionHTTPnlbi_# [x3]expcdn.co.uk
experian.comUsed to ensure website security and fraud
detection.SessionHTTPvisid_incap_# [x3]expcdn.co.uk
www.experian.co.uk
www.experian.iePreserves users states across page requests.1
yearHTTP3522tags.experian.co.ukPending1
dayHTTP3522tags.experian.co.ukPendingPersistentHTML49659tags.experian.co.ukPendingPersistentHTML49659tags.experian.co.ukPending1
dayHTTPEXPERIAN_ENSIGHTEN_PRIVACY_BANNER_LOADEDtags.experian.co.ukPending1
yearHTTPJSESSIONID [x5]www.experian.co.uk
www.experian.com
New Relic
www.experian.iePreserves users states across page requests.1
dayHTTPpa_enabledSolarwindsDetermines the device used to access the website.
This allows the website to be formatted accordingly.
PersistentHTMLTEST_AMCV_COOKIE_WRITE [x2]Adobe Inc.Determines whether the user
has accepted the cookie consent box. SessionHTTPNSC_# [x2]www.experian.comUsed
to distribute traffic to the website on several servers in order to optimise
response times.SessionHTTPCONSENT [x2]Google
YouTubeUsed to detect if the visitor has accepted the marketing category in the
cookie banner. This cookie is necessary for GDPR-compliance of the website. 2
yearsHTTPrc::a [x2]Google
www.experian.ieThis cookie is used to distinguish between humans and bots. This
is beneficial for the website, in order to make valid reports on the use of
their website.PersistentHTMLrc::c [x2]Google
www.experian.ieThis cookie is used to distinguish between humans and bots.
SessionHTMLli_gcLinkedInStores the user's cookie consent state for the current
domain179 daysHTTP_GRECAPTCHArecaptcha.netreCAPTCHA sets a necessary cookie
(_GRECAPTCHA) when executed for the purpose of providing its risk analys for
form security.6 monthsHTTP__cf_bm [x2]TechTarget
VimeoThis cookie is used to distinguish between humans and bots. This is
beneficial for the website, in order to make valid reports on the use of their
website.1 dayHTTP

Preference cookies enable a website to remember information that changes the way
the website behaves or looks, like your preferred language or the region that
you are in.

NameProviderPurposeExpiryTypebc.visitor_tokenBold360Stores a unique ID string
for each chat-box session. This allows the website-support to see previous
issues and reconnect with the previous supporter. 399
daysHTTPbc-visitor-idBold360Identifies the visitor across devices and visits, in
order to optimize the chat-box function on the website. 1
yearHTTPCookieConsentBulkSetting-# [x2]CookiebotEnables cookie consent across
multiple websitesPersistentHTML_bcvm_vrid_#Bold360Pending1
yearHTTPbc.visitor_tokenBold360Identifies the visitor across devices and visits,
in order to optimize the chat-box function on the website. PersistentHTMLlocale
cookie [x2]www.experian.co.uk
www.experian.iePending1
yearHTTPmVisStatusGooglePendingSessionHTMLtableau_localeTableauThe cookie
determines the preferred language and country-setting of the visitor - This
allows the website to show content most relevant to that region and
language.SessionHTTPtableau_public_negotiated_localeTableauUsed in context with
the language setting on the website. Facilitates the translation into the
preferred language of the visitor.SessionHTTP

These cookies monitor how the website is performing (e.g. pages visited, device
type, traffic sources etc.), allowing us to improve and tailor the user
experience of the site to be relevant to you and your interests.

NameProviderPurposeExpiryTypebounceAppnexusDetermines if a user leaves the
website straight away. This information is used for internal statistics and
analytics by the website operator. SessionPixels_vi [x2]Adobe Inc.Registers a
unique ID that identifies the user's device for return visits.2
yearsHTTPevents/1/# [x2]New RelicUsed to monitor website performance for
statistical purposes.SessionPixeljserrors/1/# [x2]New
RelicPendingSessionPixelbc-visit-idBold360Identifies the visitor across devices
and visits, in order to optimize the chat-box function on the website.
SessionHTTPdextpAdobe Inc.This cookie is set by the audience manager of the
website to determine the time and frequencies of visitor data synchronization -
cookie data synchronization is used to synchronize and gather visitor data from
several websites.180 daysHTTP__utmaGoogleCollects data on the number of times a
user has visited the website as well as dates for the first and most recent
visit. Used by Google Analytics.399 daysHTTP__utmbGoogleRegisters a timestamp
with the exact time of when the user accessed the website. Used by Google
Analytics to calculate the duration of a website visit.1
dayHTTP__utmcGoogleRegisters a timestamp with the exact time of when the user
leaves the website. Used by Google Analytics to calculate the duration of a
website visit.SessionHTTP__utmtGoogleUsed to throttle the speed of requests to
the server.1 dayHTTP__utmz [x2]Google
experian.ieCollects data on where the user came from, what search engine was
used, what link was clicked and what search term was used. Used by Google
Analytics.6 monthsHTTP_ga [x2]GoogleRegisters a unique ID that is used to
generate statistical data on how the visitor uses the website.399
daysHTTP_ga_# [x2]GoogleUsed by Google Analytics to collect data on the number
of times a user has visited the website as well as dates for the first and most
recent visit. 399 daysHTTP_gat [x2]GoogleUsed by Google Analytics to throttle
request rate1 dayHTTP_gid [x2]GoogleRegisters a unique ID that is used to
generate statistical data on how the visitor uses the website.1
dayHTTP_hjAbsoluteSessionInProgress [x2]HotjarThis cookie is used to count how
many times a website has been visited by different visitors - this is done by
assigning the visitor an ID, so the visitor does not get registered twice.1
dayHTTP_hjFirstSeen [x2]HotjarThis cookie is used to determine if the visitor
has visited the website before, or if it is a new visitor on the website.1
dayHTTP_hjIncludedInSessionSample_# [x3]Hotjar
experian.comCollects statistics on the visitor's visits to the website, such as
the number of visits, average time spent on the website and what pages have been
read.1 dayHTTP_hjRecordingLastActivity [x2]Hotjar
Adobe Inc.Sets a unique ID for the session. This allows the website to obtain
data on visitor behaviour for statistical
purposes.SessionHTML_hjSession_# [x2]HotjarCollects statistics on the visitor's
visits to the website, such as the number of visits, average time spent on the
website and what pages have been read.1
dayHTTP_hjSessionUser_# [x2]HotjarCollects statistics on the visitor's visits to
the website, such as the number of visits, average time spent on the website and
what pages have been read.1 yearHTTP_hjTLDTest [x2]HotjarRegisters statistical
data on users' behaviour on the website. Used for internal analytics by the
website operator. SessionHTTPAMCV_# [x2]Adobe Inc.Unique user ID that recognizes
the user on returning visits399 daysHTTPAMCVS_#AdobeOrg [x2]Adobe
Inc.PendingSessionHTTPgpv_pn [x2]Adobe Inc.Registers statistical data on users'
behaviour on the website. Used for internal analytics by the website operator. 1
dayHTTPhjActiveViewportIdsHotjarThis cookie contains an ID string on the current
session. This contains non-personal information on what subpages the visitor
enters – this information is used to optimize the visitor's
experience.PersistentHTMLhjViewportIdHotjarSets a unique ID for the session.
This allows the website to obtain data on visitor behaviour for statistical
purposes.SessionHTMLln_orLinkedInRegisters statistical data on users' behaviour
on the website. Used for internal analytics by the website operator. 1
dayHTTPpaSolarwindsRegisters the website's speed and performance. This function
can be used in context with statistics and
load-balancing.PersistentHTMLs_cc [x2]Adobe Inc.Used to check if the user's
browser supports cookies.SessionHTTPs_nr [x2]Adobe Inc.Registers a unique ID
that identifies the user's device for return visits.29
daysHTTPs_perswww.experian.co.ukUsed for gathering information on the user's
browser, operating system, IP address and screen resolution as well as the
user's navigation on the website, including response to marketing activities and
the number of user purchases.399 daysHTTPs_ppvwww.experian.co.ukSaves
information on what vertical percentage of a page has been displayed to the
user. SessionHTTPs_riawww.experian.co.ukUsed for gathering information on the
user's browser, operating system, IP address and screen resolution as well as
the user's navigation on the website, including response to marketing activities
and the number of user purchases.SessionHTTPs_sesswww.experian.co.ukUsed for
gathering information on the user's browser, operating system, IP address and
screen resolution as well as the user's navigation on the website, including
response to marketing activities and the number of user
purchases.SessionHTTPs_sqwww.experian.co.ukCollects data on the user’s
navigation and behavior on the website. This is used to compile statistical
reports and heatmaps for the website
owner.SessionHTTPTEST_AMCV_COOKIEwww.experian.co.ukRegisters statistical data on
users' behaviour on the website. Used for internal analytics by the website
operator. 399
daysHTTPub-emb-GUID#assets.ubembed.comPendingPersistentHTMLub-emb-idassets.ubembed.comEnables
the website to make variations of their landing-page. This is used to minimize
bounce-rates, which means that fewer users leave the page
immediately.PersistentHTMLexpTrafficSourceexperian.iePendingSessionHTTPcollectAdobe
Inc.Used to send data to Google Analytics about the visitor's device and
behavior. Tracks the visitor across devices and marketing
channels.SessionPixel_hjRecordingEnabled [x2]Adobe Inc.
HotjarCollects data on the user’s navigation and behavior on the website. This
is used to compile statistical reports and heatmaps for the website
owner.SessionHTMLAnalyticsSyncHistoryLinkedInUsed in connection with
data-synchronization with third-party analysis service. 29
daysHTTPNRBA_SESSIONTableauCollects data on the user’s navigation and behavior
on the website. This is used to compile statistical reports and heatmaps for the
website owner.PersistentHTMLPugTPubMaticUsed to determine the number of times
the cookies have been updated in the visitor's browser. Used to optimize the
website's server efficiency. 30 daysHTTPvisitor/v200/svrGP.aspxOracleThis cookie
is used to count how many times a website has been visited by different visitors
- this is done by assigning the visitor an ID, so the visitor does not get
registered twice.SessionPixelpersonalization_idTwitter Inc.This cookie is set by
Twitter - The cookie allows the visitor to share content from the website onto
their Twitter profile. 399 daysHTTPtdAdobe Inc.Registers statistical data on
users' behaviour on the website. Used for internal analytics by the website
operator. SessionPixel

These cookies and tracking tags help us show you online advertisements tailored
to your interests and find customers that might be interested in our products.
They can gather information about you and your interactions with us and our
partners. Disabling these won't stop you seeing ads, however they will be less
personalised.

NameProviderPurposeExpiryTypebridgeAdobe Inc.Presents the user with relevant
content and advertisement. The service is provided by third-party advertisement
hubs, which facilitate real-time bidding for
advertisers.SessionPixelanjAppnexusRegisters a unique ID that identifies a
returning user's device. The ID is used for targeted ads.3
monthsHTTPuuid2AppnexusRegisters a unique ID that identifies a returning user's
device. The ID is used for targeted ads.3
monthsHTTPcom.adobe.reactor.core.visitorTracking.landingPage [x2]Adobe
Inc.Stores visitors' navigation by registering landing pages - This allows the
website to present relevant products and/or measure their advertisement
efficiency on other websites.
SessionHTMLcom.adobe.reactor.core.visitorTracking.landingTime [x2]Adobe Inc.Sets
a timestamp for when the visitor entered the website. This is used for
analytical purposes on the website.
SessionHTMLcom.adobe.reactor.core.visitorTracking.pagesViewed [x2]Adobe
Inc.Contains data on user navigation, interaction and time spent on the website
and its sub-pages. This data is used to optimise the relevance of advertisements
and for statistical purposes.
PersistentHTMLcom.adobe.reactor.core.visitorTracking.sessionCount [x2]Adobe
Inc.Contains data on user navigation, interaction and time spent on the website
and its sub-pages. This data is used to optimise the relevance of advertisements
and for statistical purposes.
PersistentHTMLcom.adobe.reactor.core.visitorTracking.trafficSource [x2]Adobe
Inc.Used by the website's owners to identify how the visitor accessed the
website. This is used for statistical purposes. SessionHTMLad-idAmazonUsed by
Amazon Advertising to register user actions and target content on the website
based on ad clicks on a different website.197 daysHTTPad-privacyAmazonUsed by
Amazon Advertising to register user actions and target content on the website
based on ad clicks on a different website.5 yearsHTTPecm3AmazonSets a unique ID
for the visitor, that allows third party advertisers to target the visitor with
relevant advertisement. This pairing service is provided by third party
advertisement hubs, which facilitates real-time bidding for advertisers.
SessionPixelMUIDMicrosoftUsed widely by Microsoft as a unique user ID. The
cookie enables user tracking by synchronising the ID across many Microsoft
domains.1 yearHTTPv2/trackerBrightcoveUsed in context with video-advertisement.
The cookie limits the number of times a user is shown the same advertisement.
The cookie is also used to ensure relevance of the video-advertisement to the
specific user. SessionPixelCMIDCasale MediaCollects visitor data related to the
user's visits to the website, such as the number of visits, average time spent
on the website and what pages have been loaded, with the purpose of displaying
targeted ads.1 yearHTTPCMPROCasale MediaCollects data on visitor behaviour from
multiple websites, in order to present more relevant advertisement - This also
allows the website to limit the number of times that they are shown the same
advertisement. 3 monthsHTTPCMPSCasale MediaCollects visitor data related to the
user's visits to the website, such as the number of visits, average time spent
on the website and what pages have been loaded, with the purpose of displaying
targeted ads.3 monthsHTTPrumCasale MediaCollects data related to the user's
visits to the website, such as the number of visits, average time spent on the
website and what pages have been loaded, with the purpose of displaying targeted
ads.SessionPixel_dpAdobe Inc.This cookie is set by the audience manager of a
website in order to determine if any additional third-party cookies can be set
in the visitor’s browser – third-party cookies are used to gather information or
track visitor behavior on multiple websites. Third-party cookies are set by a
third-party website or company.SessionHTTPdemdexAdobe Inc.Via a unique ID that
is used for semantic content analysis, the user's navigation on the website is
registered and linked to offline data from surveys and similar registrations to
display targeted ads.180 daysHTTPdpmwww.experian.ieSets a unique ID for the
visitor, that allows third party advertisers to target the visitor with relevant
advertisement. This pairing service is provided by third party advertisement
hubs, which facilitates real-time bidding for advertisers.180
daysHTTPibs:dpidAdobeThis cookie is set by the audience manager of the website
to determine the time and frequencies of visitor data synchronization - cookie
data synchronization is used to synchronize and gather visitor data from several
websites.SessionPixelIDEGoogleUsed by Google DoubleClick to register and report
the website user's actions after viewing or clicking one of the advertiser's ads
with the purpose of measuring the efficacy of an ad and to present targeted ads
to the user.1 yearHTTPpagead/landing [x2]GoogleCollects data on visitor
behaviour from multiple websites, in order to present more relevant
advertisement - This also allows the website to limit the number of times that
they are shown the same advertisement. SessionPixeltest_cookieGoogleUsed to
check if the user's browser supports cookies.1 dayHTTPELOQUAOracleRegisters a
unique ID that identifies the user's device upon return visits. Used for
auto-populating forms and to validate if a certain contact is registered to an
email group.13 monthsHTTPELQSTATUSOracleUsed to auto-populate forms and validate
if a given contact has subscribed to an email group. The cookie is only set if
the user allows tracking.13 monthsHTTPeverest_g_v2www.experian.ieUsed for
targeted ads and to document efficacy of each individual
ad.SessionHTTPeverest_session_v2www.experian.ieUsed for targeted ads and to
document efficacy of each individual ad.SessionHTTP_fbp Meta Platforms, Inc.Used
by Facebook to deliver a series of advertisement products such as real time
bidding from third party advertisers.3 monthsHTTP_gcl_auGoogleUsed by Google
AdSense for experimenting with advertisement efficiency across websites using
their services. 3 monthsHTTP_uetsidMicrosoftUsed to track visitors on multiple
websites, in order to present relevant advertisement based on the visitor's
preferences. PersistentHTML_uetsidMicrosoftCollects data on visitor behaviour
from multiple websites, in order to present more relevant advertisement - This
also allows the website to limit the number of times that they are shown the
same advertisement. 1 dayHTTP_uetsid_expMicrosoftContains the expiry-date for
the cookie with corresponding name. PersistentHTML_uetvidMicrosoftUsed to track
visitors on multiple websites, in order to present relevant advertisement based
on the visitor's preferences. PersistentHTML_uetvidMicrosoftUsed to track
visitors on multiple websites, in order to present relevant advertisement based
on the visitor's preferences. 1 yearHTTP_uetvid_expMicrosoftContains the
expiry-date for the cookie with corresponding name.
PersistentHTMLuuidtags.experian.co.ukThis cookie is used to optimize ad
relevance by collecting visitor data from multiple websites – this exchange of
visitor data is normally provided by a third-party data-center or
ad-exchange.399 daysHTTPs_ecidAdobe Inc.Sets a unique ID for the visitor, that
allows third party advertisers to target the visitor with relevant
advertisement. This pairing service is provided by third party advertisement
hubs, which facilitates real-time bidding for advertisers.2 yearsHTTPfrMeta
Platforms, Inc.Used by Facebook to deliver a series of advertisement products
such as real time bidding from third party advertisers.3 monthsHTTPfr/b.phpMeta
Platforms, Inc.This cookie is used by Facebook to target advertisement based on
user behavior and preferences across multiple websites. The cookie contains an
encrypted ID which allows Facebook to identify the user across websites.
SessionPixelads/ga-audiencesAdobe Inc.Used by Google AdWords to re-engage
visitors that are likely to convert to customers based on the visitor's online
behaviour across websites.SessionPixelpagead/1p-user-list/#GoogleTracks if the
user has shown interest in specific products or events across multiple websites
and detects how the user navigates between sites. This is used for measurement
of advertisement efforts and facilitates payment of referral-fees between
websites.SessionPixelbcookieLinkedInUsed by the social networking service,
LinkedIn, for tracking the use of embedded services.1
yearHTTPbscookieLinkedInUsed by the social networking service, LinkedIn, for
tracking the use of embedded services.1 yearHTTPli_sugrLinkedInCollects data on
user behaviour and interaction in order to optimize the website and make
advertisement on the website more relevant. 3 monthsHTTPlidcLinkedInUsed by the
social networking service, LinkedIn, for tracking the use of embedded services.1
dayHTTPUserMatchHistoryLinkedInUsed to track visitors on multiple websites, in
order to present relevant advertisement based on the visitor's preferences. 29
daysHTTPiOpenxRegisters anonymised user data, such as IP address, geographical
location, visited websites, and what ads the user has clicked, with the purpose
of optimising ad display based on the user's movement on websites that use the
same ad network.1 yearHTTPw/1.0/sdOpenxRegisters data on visitors such as IP
addresses, geographical location and advertisement interaction. This information
is used optimize the advertisement on websites that make use of OpenX.net
services. SessionPixelKRTBCOOKIE_#PubMaticRegisters a unique ID that identifies
the user's device during return visits across websites that use the same ad
network. The ID is used to allow targeted ads.3
monthsHTTPvisitor/v200/svrGPOracleCollects data on user behaviour and
interaction in order to optimize the website and make advertisement on the
website more relevant. SessionPixelWIDGET::local::assignmentsSoundcloudUsed by
audio-platform SoundCloud to implement, measure and improve their embedded
content/service on the website - The collection of data also includes visitors’
interaction with embedded content/service. This can be used for statistics or
marketing purposes. PersistentHTMLaudienceSpotXUsed to determine whether the
video-ads have been displayed correctly on the website - This is done to make
video-ads more effective and ensure that the visitor is not shown the same ads
more times than intended. The cookie also detects whether the visitor has any Do
Not Track preferences.28 daysHTTPpartnerSpotXUsed in context with
video-advertisement. The cookie limits the number of times a user is shown the
same advertisement. The cookie is also used to ensure relevance of the
video-advertisement to the specific user. SessionPixeli/adsct [x2]Twitter
Inc.The cookie is used by Twitter.com in order to determine the number of
visitors accessing the website through Twitter advertisement content.
SessionPixelmuc_adsTwitter Inc.Collects data on user behaviour and interaction
in order to optimize the website and make advertisement on the website more
relevant. 399 daysHTTPmatchdmxDataxuPending30 daysHTTPwfivefivecDataxuCollects
data on the user's visits to the website, such as what pages have been loaded.
The registered data is used for targeted ads.13
monthsHTTP___utmvcwww.experian.ieCollects information on user behaviour on
multiple websites. This information is used in order to optimize the relevance
of advertisement on the website.1
dayHTTPnWC1Uzs7EIYouTubePendingSessionHTMLVISITOR_INFO1_LIVEYouTubeTries to
estimate the users' bandwidth on pages with integrated YouTube videos.179
daysHTTPYSCYouTubeRegisters a unique ID to keep statistics of what videos from
YouTube the user has seen.SessionHTTPyt.innertube::nextIdYouTubeRegisters a
unique ID to keep statistics of what videos from YouTube the user has
seen.PersistentHTMLyt.innertube::requestsYouTubeRegisters a unique ID to keep
statistics of what videos from YouTube the user has
seen.PersistentHTMLytidb::LAST_RESULT_ENTRY_KEYYouTubeStores the user's video
player preferences using embedded YouTube
videoPersistentHTMLyt-remote-cast-availableYouTubeStores the user's video player
preferences using embedded YouTube
videoSessionHTMLyt-remote-cast-installedYouTubeStores the user's video player
preferences using embedded YouTube
videoSessionHTMLyt-remote-connected-devicesYouTubeStores the user's video player
preferences using embedded YouTube
videoPersistentHTMLyt-remote-device-idYouTubeStores the user's video player
preferences using embedded YouTube
videoPersistentHTMLyt-remote-fast-check-periodYouTubeStores the user's video
player preferences using embedded YouTube
videoSessionHTMLyt-remote-session-appYouTubeStores the user's video player
preferences using embedded YouTube
videoSessionHTMLyt-remote-session-nameYouTubeStores the user's video player
preferences using embedded YouTube videoSessionHTML

Unclassified cookies are cookies that we are in the process of classifying,
together with the providers of individual cookies.

NameProviderPurposeExpiryType__utmzzsesGooglePendingSessionHTML_bcvm_vid_#Bold360PendingSessionHTTP_ga_enswww.experian.co.ukPending399
daysHTTPcom.adobe.reactor.dataElements.Internal Search KeywordAdobe
Inc.PendingSessionHTMLens_privacyTargetGrouptags.experian.co.ukPending1
yearHTTPExpAGooglePendingSessionHTMLExpPDGooglePendingSessionHTMLexpTrafficSourceGooglePendingSessionHTMLpv_p11www.experian.co.ukPending1
dayHTTPs_BU_stackwww.experian.co.ukPending399
daysHTTPundefined_swww.experian.co.ukPending1
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Inc.PendingSessionPixellocale cookie Createdwww.experian.iePendingSessionHTTP

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EXPERIAN BUSINESS PRIVACY POLICY

Effective date: 22 May 2018


 1. Legal
 2. Privacy Statement

Do you use Experian’s Consumer Products and Services? Experian Consumer Product
Privacy Policy

THIS POLICY

We take your privacy seriously. This Privacy Policy explains what personal
information we collect from you as you use the business pages on our website and
how we use it.

We encourage you to read this policy thoroughly. This privacy policy does not
describe how Experian will process your personal data if you are, or become an
Experian Business customer. If you are, or do become a customer of Experian
Business Services, different privacy policies will apply depending on the
services you take. You will find those privacy policies on the relevant websites
for those services.

Do you deal with Experian as a Consumer? Please see the Experian Consumer
Privacy Policy.


 1.  Who is Experian and how can you contact us?
 2.  What information we collect
 3.  How we use your information
 4.  Further uses of your personal information not described in this Privacy
     Policy
 5.  What are the legal grounds for handling personal information?
 6.  Who we share your personal information with
 7.  Where in the world do we send information?
 8.  Your rights to how we use your personal information
 9.  Problems with how we handle your information or rights
 10. How we keep your personal information secure
 11. How long we keep your personal information for
 12. Changes to this Privacy Policy


1. WHO IS EXPERIAN AND HOW CAN YOU CONTACT US?

When we refer to ‘Experian’ in this Privacy Policy, we mean Experian Limited.

Experian is part of a group of companies whose parent company is listed on the
London Stock Exchange (EXPN) as Experian plc. The Experian group of companies
has its corporate HQ in Dublin, Ireland, and its operational HQs in Costa Mesa,
California and Nottingham, UK. You can find out more about the Experian group on
our website at www.experianplc.com.

Experian is responsible for processing the personal information you provide to
us on this website www.experian.co.uk and is registered with the Information
Commissioners Office in the UK.

If there’s anything you’re unsure about in this Privacy Policy, feel free to
contact our Data Protection Officer at UK.DPOBusinessEnquiries@Experian.com.

 


2. WHAT INFORMATION WE COLLECT

We will need to ask you for certain personal information to give you the best
possible experience when you engage with us (via our websites or otherwise) and
when you use our products and services.

We or our third parties will also collect other information about you and the
devices you use to access our website. We do this by using technologies like
cookies. See also our Cookies policy.

CONTACT INFORMATION

When you enquire about any Experian services from this website we will ask you
to provide some contact information. Contact information may include some or all
of the following: Full Name, Business Phone number, Mobile Phone number and
Business Email address.

We will only retain this information for as long as is necessary to provide the
requested product or service. For the contact information, you provide we will
keep your data for 12 months after your last engagement with us.

We will also collect your marketing preferences so that we know whether or not
you want to hear from us for marketing purposes and, if so, by what channels. If
you opt out of our B2B marketing communications, we will retain your preferences
to ensure you do not receive any B2B marketing communications in the future.

DEVICE INFORMATION

We also collect certain data automatically from your visit to our website or use
of any of the functionality on our website (such as the chat function). This may
include (but is not limited to) some or all of the following: How you connect to
the internet (including IP address), how you engage with our site, screen
resolution, browser data stored on your device (such as cookies – see also our
Cookies policy), information about the device software you are using such as
internet browser and location data (city, region of the IP address you used when
accessing our services).

INFORMATION SPECIFIC TO APERTURE DATA STUDIO AND THE SAAS SELF SERVICE PORTAL

Whenever a visitor visits our services, we may collect information from such
visitor regarding his or her use of that website or application, such as pages
visited, links clicked, non-sensitive text entered, and mouse movements, as well
as information more commonly collected such as his/her IP address, referring
URL, browser, operating system, cookie information, CSS animations and dynamic
content (“Visitors’ Information“). Visitors’ Information, in the aggregate, may
be considered as Personal Information as it may be linked to a user identifier
or may include Personal Information. Visitors’ Information may include: User
unique ID (stored in a cookie for tracking and may be stored on our servers),
Visitors’ clicks/touches on elements, changes to input field (like text fields,
CSS selector or timestamp), elements and session meta-data, input on fields,
system errors, window size and changes to size, User agent (browser, device),
mouse position, page snapshot, whether a user clicked on a play or pause button
of a video, and other events (scrolling, focusing, hiding pages etc.). Such
information may identify the visitor. We use IP addresses to determine End
Users’ geolocation (country and city in which you are located) which allows us
to block recordings for certain End Users. We do not record any keystrokes. We
never record password inputs.

If an End User wishes to prevent all websites from recording his/her activity,
s/he can opt out. Opting out will create a cookie that turns off recording. The
presence of this cookie is required to continue opting out, so if a User clears
its browser cookies, s/he will have to opt out again.

OTHER

We also collect some further information when you register to attend an Experian
event/webinar. This will include dietary, accessibility and accommodation
requirements and, in some circumstances, an emergency contact. We only collect
the minimum information we need to organise the event/webinar and to accommodate
your needs at the event/webinar.

This information will be shared by Experian with third parties who we engage to
assist us in arranging and running the event/webinar, such as hotels to book
your accommodation. Where we do this, we will take steps, including by putting
appropriate contractual agreements in place, to ensure that all such entities
keep your personal data confidential and secure. Your personal data will only be
retained for as long as necessary to run the event/webinar.



3. HOW WE USE YOUR INFORMATION

We use your personal information in lots of ways to make our products and
services as effective as possible.

To enable you to access our website, use the functionality available on it and
to enquire about our services. We will pass it to the relevant sales team
responsible for the service you are interested in and they will contact you.

TO PROVIDE AND IMPROVE CUSTOMER SUPPORT

We will use your information to be able to provide and improve the customer
support we provide to you (e.g. when you have questions or when you forget your
log-in information).

FOR INTERNAL TRAINING PURPOSES

We will use your information to ensure that our team has the knowledge and
expertise to ensure we provide the best possible experience to you when you
interact with us.

FOR REPORTING AND ANALYTICAL PURPOSES

We will use your information for reporting and analytical purposes (e.g. how
many of our customers are in the north or south of the country) to enable us to
improve our products and services and provide appropriate levels of support to
our customers.

FOR MARKETING AND MARKET RESEARCH

If you have given us your consent to contact you we will use the information you
have submitted through our website for marketing and market research if we think
one of our products, services or offers is relevant to you. We may also send you
marketing relating to services offered by selected partners we think will be
relevant to you, your job or your business. We may contact you about them by
email, SMS, on the phone or through the post. If your Experian contract has
finished, we may contact you to offer the same or a different service or
product. Any communication we send to you about this will include the option to
unsubscribe from us contacting you again.

TO MAINTAIN OUR RECORDS AND OTHER ADMINISTRATIVE PURPOSES

We will use your information to ensure that we maintain comprehensive and up to
date records of the ways we process your personal information and other
operational activities and therefore we will use the information you provide for
record-keeping, updates and general administrative purposes.

TO PLAN AND RUN EXPERIAN EVENTS/WEBINARS

We will use the personal data you provide to help us organise events/webinars we
are running, to make sure that the event/webinar runs smoothly and to ensure
that you have the best possible experience when you attend.

FOR COMPLAINT AND DISPUTE RESOLUTION

Whilst we will try to make sure that you are happy with the service we provide
and do not feel the need to complain, if you do complain to us, we will use the
information we have about you to help us manage your complaint and to bring it
to a close.

TO COMPLY WITH THE LAW

Like any other business, we are required to comply with many laws and
regulations. We will, where necessary, use your information to the extent
required to enable us to comply with these requirements.


4. FURTHER USES OF YOUR PERSONAL INFORMATION NOT DESCRIBED IN THIS PRIVACY
POLICY

If we use your personal information for any purposes that are not set out in
this Privacy Policy, we promise to let you know exactly what we will use it for
before we go ahead and use it.



5. WHAT ARE THE LEGAL GROUNDS FOR HANDLING PERSONAL INFORMATION?

CONSENT

Where we collect other information from you such as when we use cookies to
collect information about the device you use to access our website, or sometimes
third parties collect it on our behalf. You will be asked to consent to this
before using our website. If you choose not to give your consent, or you later
remove your consent, this may affect our ability to provide the services you
want, to you. We may also rely on the consent ground for using your personal
information to contact you for marketing purposes.

LEGITIMATE INTERESTS

In the United Kingdom, we can also use personal information where the benefits
of doing it are not outweighed by the interests or fundamental rights or
freedoms of data subjects. The law calls this the “Legitimate Interests”
condition for processing. E.G:

 * Helping to prevent and detect crime such as fraud and money laundering. Fraud
   and money laundering cost the British economy many billions of pounds every
   year. That cost is ultimately passed on to the public in the form of higher
   prices. By helping to avoid fraud such as identity theft, we help to stop
   this from happening.
 * Running a credit bureau. By providing credit information to lenders about a
   consumer’s creditworthiness a credit bureau is helping to avoid
   over-indebtedness of consumers, especially vulnerable consumers and the
   negative effects of excessive debt.


COMPLYING WITH/SUPPORTING COMPLIANCE WITH LEGAL AND REGULATORY REQUIREMENTS

We must comply with various legal and regulatory requirements. Additionally, the
services we provide help other organisations to comply with their own legal and
regulatory obligations. For example, Experian is regulated by the Financial
Conduct Authority.

To enable you to access our website, to use its functionality and to respond to
enquiries you raise,we rely on the legal basis of legitimate interest. This
personal data is stored to be able to respond to your contact request, enquiry,
request for further information or request to attend an Experian event/webinar.

To provide and improve customer support we rely on the legal basis of legitimate
interest to ensure you receive a high level of customer service.

For internal training purposes we rely on the legal basis of legitimate interest
to ensure you receive a high level of customer service.

For reporting and analytical purposes, we rely on the legal basis of legitimate
interest. This will enable us to improve our products and services, and to
provide appropriate levels of support to our customers.

For Experian B2B marketing communications we rely on the legal basis of consent
given at the point you contact us. You can opt out of receiving these B2B
marketing communications at any time by visiting this website:
/business-services/marketing-preferences/.

For market research we rely on the legal basis of consent given at the point you
contact us. Any invitation to share your feedback will include the option to not
take part in future surveys.

To maintain our records and other administrative purposes we rely on the legal
basis of legitimate interest. Like any business, we need to ensure that we
maintain comprehensive and up to date records of the ways we process your
personal information and other operational activities and therefore we will use
the information you provide for record-keeping, updates and general
administrative purposes.

To plan and run Experian events/webinars we rely on the legal basis of
legitimate interest. It is in our legitimate interest to ensure that the
event/webinar is well-run and that you have a good experience when you attend an
event/webinar that we are running.

For complaint and dispute resolution we rely on the legal basis legitimate
interest. Whilst we will try to make sure that you are happy with the service we
provide and do not feel the need to complaint, if you do complain to us, we will
use the information we have about you to help us manage your complaint and to
bring it to a close.

To comply with the law, we rely on the legal basis of ‘Processing is necessary
for compliance with a legal obligation’.



6. WHO WE SHARE YOUR PERSONAL INFORMATION WITH

We share your personal information only with those persons who need to handle it
so we can provide the Experian products and services you’ve signed up to. We
also share it with companies within the Experian group who manage some parts of
the services for us; with suppliers who provide services to us which require
access to your personal information only; and with resellers, distributors and
agents involved in delivering the services we provide where necessary for them
to do so.

Lastly, we may also provide your personal information to fraud prevention
agencies. This is to protect the Experian group of companies and our customers,
to keep our systems secure, or where it’s necessary to protect either yours or
our best interests.

GROUP COMPANIES

As a member of the Experian group of companies, we can benefit from the large IT
infrastructure and expertise that exists within our business. This means that
the personal data you provide to us may be accessed by members of our group of
companies for support and administrative purposes.

SUPPLIERS

We use a number of service providers to support our business and these service
providers may have access to our systems in order to provide services to us
and/or to you on our behalf. This includes, for example, the third party company
who provides the livechat function on our website and third parties who help us
run the events/webinars we organise.

PUBLIC BODIES, LAW ENFORCEMENT AND REGULATORS

The police and other law enforcement agencies, as well as public bodies such as
local and central authorities can sometimes request personal information. This
may be for the purposes of preventing or detecting crime, apprehending or
prosecuting offenders, assessing or collecting tax, investigating complaints or
assessing how well a particular industry sector is working.

INDIVIDUALS

You can obtain a copy of the information we hold about you. See section Your
rights to how we use your personal information for further information on how
you can do this.



7. WHERE IN THE WORLD DO WE SEND INFORMATION?

Experian is based in the UK, which is where our main databases are. We also
operate elsewhere in and outside the European Economic Area, so we may access
your personal information from and transfer it to these locations as well. Don’t
worry though, any personal information we access from or transfer to these
locations is protected by European data protection standards.

While countries in the European Economic Area all ensure rigorous data
protection laws, there are parts of the world that may not be quite so rigorous
and don’t provide the same quality of legal protection when it comes to your
personal information.

To make sure we keep your personal information safe, we apply strict safeguards
when transferring it overseas. For example:

 * Sending your personal information to countries approved by the European
   Commission as having high quality data protection laws, such as Switzerland,
   Canada and the Isle of Man
 * Putting in place a contract that has been approved by the European Commission
   with the recipient of your personal information that provides a suitable
   level of high quality protection, or
 * Sending your personal information to a member organisation approved by the
   European Commission as providing a suitable level of high quality protection.
   For example, the Privacy Shield Scheme that exists in the US.

Still want to know more about the safeguards we use to protect your personal
information overseas? Feel free to contact us at
UK.DPOBusinessEnquiries@Experian.com



8. YOUR RIGHTS TO HOW WE USE YOUR PERSONAL INFORMATION

If our right to process or share your personal information is based on the fact
that you’ve given us consent, you have the right to withdraw that consent at any
time on our website.

You can also ask for access to the personal information we hold about you and
request that we correct any mistakes, restrict or stop processing or delete it.
It’s worth noting that in some cases if you do ask us to correct, delete or stop
processing it, we won’t always be required to do so. If that is the case, we
will explain why. To request a copy of the personal information we hold about
you, please follow this link:
https://www.experian.co.uk/consumer/data-access.

In certain circumstances (e.g. where you provide your information to us (a) with
consent to process it or (b) where the processing is necessary for the
performance of our contract with you) you can require that we provide the
information we hold about you either to you or a third party in a commonly used
format. This only applies if we are processing it using automated means. If you
would like more information about this, let us know by contacting us at
UK.DPOBusinessEnquiries@Experian.com.



9. PROBLEMS WITH HOW WE HANDLE YOUR INFORMATION OR RIGHTS

We will try to ensure that we deliver the best levels of customer service but if
you think we are falling short of that commitment, please let us know by
contacting us at UK.DPOBusinessEnquiries@Experian.com. You may also see our full
complaints handling procedure and how to make a complaint.

If we cannot resolve things under that procedure, then you may have the right to
refer your complaint, free of charge, to the Financial Ombudsman Service. The
contact details for the Financial Ombudsman Service are: Telephone: 0300 123 9
123, or from outside the UK +44 20 7964 1000 E:
complaint.info@financial-ombudsman.org.uk W: www.financial-ombudsman.org.uk
Financial Ombudsman Service Exchange Tower London E14 9SR.

You also have the right to contact the Information Commissioner’s Office (ICO),
the supervisory authority that regulates the handling of personal information in
the UK. You can contact them by:

 1. Going to their website at https://ico.org.uk/
 2. Phone on 0303 123 1113
 3. Post to Information Commissioner’s Office, Wycliffe House, Water Lane,
    Wilmslow, SK9 5AF

You may also have the option to register your complaint using the European
Commission Online Dispute Resolution (ODR) platform. This is a web-based
platform that is designed to help consumers who have bought goods or services
online to deal with issues arising from their purchase.



10. HOW WE KEEP YOUR PERSONAL INFORMATION SECURE

Online privacy and security is the most important aspect of any customer service
and we take it extremely seriously. We use a variety of the latest technologies
and procedures to protect your personal information from unauthorised access,
destruction, use or disclosure.

Experian have a comprehensive Global Security Policy based on internationally
recognised standards of security (known as ISO27001 standard) and holds ISO27001
certification in the key areas of Global Security Admin team who are responsible
for administering logical access to systems and in the Data Centre.

Experian has a dedicated Cyber Security Investigations team who safeguard
Experian’s key assets such as its systems and storage facilities. This team,
identify and effectively manage any security developments that may threaten
Experian's people, process, or technology through intervention and the thorough
investigation of security incidents. Experian holds Cyber Essentials
Certification and performs risk assessments against our critical and external
facing applications annually.

Experian is annually audited by an External QSA (Qualified Security Assessor)
from Trustwave and have successfully maintained compliance since 2010.



11. HOW LONG WE KEEP YOUR PERSONAL INFORMATION FOR

We’ll keep your personal information for the periods set out in the section
‘What information we collect’ above, and where we were not able to give a
specific period, we will keep it only as long as we need it to provide the
Experian products and services you’ve signed up to. We may also keep it to
comply with our legal obligations, resolve any disputes and enforce our rights.
These reasons can vary from one piece of information to the next and depend on
the products or services you’re signed up to, so the amount of time we keep your
personal information for may vary.

CONTACT INFORMATION

Contact information such as names and addresses are kept while there is a
continuing need for us to have it. We will keep your data for 12 months after
your last engagement with us. If you opt out of our B2B marketing
communications, we will retain your preferences to ensure you do not receive any
B2B marketing communications in the future.

DEVICE INFORMATION

Device information such as how you connect to the internet and screen resolution
are kept while there is a continuing need to retain it.

OTHER

We also collect some further information when registering for an Experian
event/webinar. This data will only be retained for as long as necessary to
administer the event/webinar.

In all of these cases, our need to use your personal information will be
reassessed on a regular basis, and information which is no longer required for
any purposes will be deleted/disposed of securely.



12. CHANGES TO THIS PRIVACY POLICY

We can update this Privacy Policy at any time and ideally you should check it
regularly for updates. We won’t alert you to every little change, but if there
are any really important changes to the Policy or how we use your information
we’ll let you know and where appropriate ask for your consent.



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