Privacy Policy

1. Introduction

First for Justice Ltd T/A PCP Advice Helpline (“we”, “us”, “our”) is committed to protecting and respecting your privacy.

This Privacy Policy explains how we collect, use, store, and protect personal data in accordance with:

• UK General Data Protection Regulation (UK GDPR)
• Data Protection Act 2018
• ICO guidance
• FCA regulatory requirements

2. Company Details

First for Justice Ltd acts as a Data Controller for the personal data it processes.

3. Personal Data We Collect

We may collect and process the following categories of personal data:

• Name, address, email address, and telephone number
• Date of birth
• Financial and claim-related information
• Details of financial products or services relevant to a claim
• Call recordings and correspondence
• Complaint-related information
• Any other information you choose to provide

Credit Data

If necessary to pursue your case, our partners will disclose personal data to Checkboard Ltd for the provision of credit report information which may include Equifax. If you’d like to understand how the credit reference agency uses and shares personal data (including the legitimate interests they pursue) please read the Credit Reference Agency Information Notice for the agency.

Where you provide your consent, our Partners Consultation Claims may conduct a soft credit search to verify your eligibility for certain products or services. These checks are carried out on our behalf by their service provider, Checkboard Limited. In order to perform this assessment, Checkboard Limited will obtain an Electronic Credit Report from credit reference agencies, including Equifax and CRAIN. The information contained in that report will be shared with us for eligibility assessment purposes.

We will also disclose personal data to our partner Valid8 IP Ltd for the provision of a soft credit search to locate your car finance agreements and identity information, which may include data from Equifax Ltd, Experian Ltd and TransUnion. This search will have no impact on your credit score.

A soft credit search leaves a soft footprint on your credit file. This footprint:

• Is visible to you
• Is not visible to other lenders
• Does not affect your credit score

By consenting to a soft credit check, you also acknowledge and agree to Checkboard Ltd’s:

• Privacy Policy
• Terms and Conditions

We will only conduct soft credit checks where we have a lawful basis to do so, typically your consent. You can access Valid8 IP Ltd’s privacy policy here.

4. How We Collect Personal Data

We collect personal data through:

• Telephone calls (inbound and outbound)
• Email, post, and online enquiries
• Our website, landing pages, Facebook/Instagram lead forms, or any other digital platform we use for marketing or lead generation
• Introducers or lead generators
• Documents you provide during the claims process

5. Lawful Basis for Processing

We process personal data under one or more of the following lawful bases:

• Consent – where you have provided clear permission
• Contract – where processing is necessary to provide claims management services
• Legal obligation – where required by law or regulation
• Legitimate interests – where necessary for business operations and not overridden by your rights

6. How We Use Your Personal Data

Marketing Contact by First for Justice Ltd

If you provided consent (either directly to us or via YLM), First for Justice Ltd may contact you regarding your motor finance claim enquiry.

First for Justice Ltd acts as an independent Data Controller in respect of:

• Marketing communications we send
• Initial enquiry discussions
• Introductions to claim processing partners

We do not sell your personal data.

Claim Submission & Processing – Consultation Claims Ltd

If you complete a motor finance claim webform, your claim data may be transmitted to:

Consultation Claims Ltd acts as the independent Data Controller for:

• Claim form submissions
• Claim assessment and eligibility checks
• Claim management
• Claim-related communications
• Claim data storage and retention
• Claim-related complaints

We do not:

• Access or store full claim form data once it has been submitted to Consultation Claims Ltd
• Control how claim data is processed
• Determine how claim data is retained

If your query relates to claim processing or claim data, you should contact Consultation Claims Ltd directly.

Data Collected by YLM

If you submitted your details via ylmuk.com, your data was collected by:

YLM acts as an independent Data Controller for:

• Collecting your personal data
• Obtaining your marketing consent
• Storing consent logs (IP address, time/date, form version)

If your query relates to how your data was collected or how consent was obtained, you should contact YLM directly.

7. Third Parties We Share Data With

• FCA authorised Claims Management Company, Consultation Claims Ltd
• Checkboard Ltd (for eligibility checks)
• Customer service providers
• Technology service providers (e.g. CRM, cloud hosting, email)
• Professional advisors and legal counsel
• Regulatory authorities (FCA, ICO, HMRC) when legally required
• Third parties involved in a business sale, restructure or acquisition

Sensitive personal data (e.g. health, vulnerability) is only processed or shared with your explicit consent.

All third parties are required to maintain appropriate security and confidentiality obligations.

8. Types of Personal Data We Collect

We only collect data that is necessary and lawful. This may include:

• Contact Data: Address history, phone numbers, email addresses
• Identity Data: Name, title, date of birth
• Financial Data: Details of finance agreements, vehicle information, and claim history
• Credit Data: Where necessary to pursue your case, our partners may disclose personal data to credit reference agencies including Equifax, Experian, and TransUnion via Checkboard Ltd and Valid8 IP Ltd. See Section 3 for full details.

9. Marketing Communications

We may contact you for marketing purposes where permitted by law. You have the right to:

• Object to marketing at any time
• Withdraw consent

You can do this by contacting us using the details in Section 2 above.

10. Call Recording

Telephone calls may be recorded for:

• Training and quality assurance
• Compliance and regulatory purposes
• Evidence of consent and instructions

Recordings are stored securely and access is restricted to authorised personnel.

11. Data Retention

We retain personal data only for as long as necessary, taking into account:

• FCA and legal requirements
• Limitation periods
• Complaint handling obligations

As a general guide, personal data relating to claims is retained for a minimum of 6 years from the date the matter is closed, in line with FCA CMCOB requirements and applicable limitation periods. Data may be retained for longer where required by law, regulation, or ongoing dispute.

When no longer required, data is securely deleted or anonymised in accordance with our internal data retention schedule.

12. Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, loss, or misuse. These measures are aligned with UK GDPR Article 32 and ICO guidance.

13. Your Data Protection Rights

Under UK GDPR, you have the right to be:

• Informed – to be clearly informed about data usage
• Access your personal data
• Request correction of inaccurate data
• Request erasure of your data
• Restrict processing
• Object to processing, including direct marketing
• Request data portability
• Withdraw consent at any time

Requests can be made by contacting us at info@pcpadvicehelpline.co.uk.

14. Complaints

If you are unhappy with how your personal data has been handled, you may contact us directly. You also have the right to complain to the Information Commissioner's Office (ICO):

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website or upon request.