commercialexperts.co.uk is a trading name of TFLI Limited, who are registered in England and Wales (Company number 08424810), Registered Office; TFLI Limited, First Floor Beechwood Court, Springwood Way, Tytherington Business Park, Macclesfield, Cheshire, SK10 2XG, (registration number Z3585914).
commercialexperts.co.uk are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the General Data Protection Regulations (GDPR). Contained within this statement and set out below are details of the type of information that we at Commercial Experts may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
This privacy policy is only applicable to us and personal information which may be collected and obtained by us. commercialexperts.co.uk may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website.
We, and our panel of business broadband providers will keep you informed with the progress of your application. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message. (see further section on 'How we keep you informed')
Lawful basis for collecting your personal data
We rely upon various different lawful basis to process your personal data according to the reason for which you have provided your data to us.
Our use of your personal data will always have a lawful basis.
Consent:
When you submit your application with TFLI Limited, we process your personal data on the basis that you have provided your consent to be contacted by TFLI Limited and our panel of broadband providers.
You can withdraw your consent to us processing your personal data for marketing purposes at any time by clicking the "unsubscribe" option in any marketing SMS, email we, or any associated third party, send to you.
Alternatively, you can withdraw your consent by contacting our Data Protection Officer at compliance@tfli.co.uk or using the contact details stated in section 15 / 16. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you changed your mind.
Contract:
Your personal data will also be processed on the basis that we need this information to fulfil our obligations under the contract we have entered into with you by providing you with a quote. TFLI Limited, our panel of broadband providers will contact you regarding your enquiry.
Legitimate Interest:
We have a legitimate interest in processing your data (i.e. to share your application with our panel of broadband providers to obtain the quote you have applied for).
It also includes processing your data for ID protection and tracing purposes such as Credit Reference and Fraud Prevention. This is in relation to appropriate agencies which are listed within section 9.
You can object to us processing your data in this way by contacting our Data Protection Officer at compliance@tfli.co.uk or using the contact details stated in section 15 / 16.
If you are required to telephone us using the specified telephone numbers on our website under the Contact or advertising/marketing correspondence then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via email and SMS. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.
Whilst the broadband providers will make contact with you to confirm whether your application has been successful they will too have their own privacy policy and we recommend you refer to them, upon making your application, as you will be requested to agree to their use of your information.
If you apply with us and have a question about our services, or alternatively choose to send an email to compliance@tfli.co.uk we may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' page).
We collect personal information about you when you give this to us when applying for a product online. This might be, for example, to obtain quotes for broadband services. In the course of providing the services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or employer details.
In order to provide you with a quote we will need to collect personal information. By proceeding with obtaining a quote you give your explicit consent to such information being processed by us and our third-party providers such as broadband providers,
We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits.
We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
We may use your personal information:
Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties will be entitled to contact you (depending on your contact preferences) via email, post, telephone, SMS, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.
Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.
When you complete an application, you consent to us disclosing your personal information to the following parties:
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
FRAUD PREVENTION AGENCIES (FPA'S)
If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering.
Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.
By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the energy providers to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.
What Is A Fraud Prevention Agency?
Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.
They work in the following ways with various organisations:
You have the right to object to this processing at any time by contacting us at compliance@tfli.co.uk.
Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the application) and verify the information that you have provided before providing a quote to you. Some providers may carry out checks with fraud prevention and credit reference agencies. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with our panel of broadband providers. If providers carry out these searches, a record of the search will appear on your credit report. Some providers may also check public and private higher education sources to obtain information about your educational background.
This information exchange allows providers to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent applications. These checks are not unique to users of our Services - they may also be carried out if you obtain quotes from other sources.
If you decide to enter into a contract, the information you have provided to us, together with any further information requested by, and supplied by you or us to the third party provider, will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the agreement. We have no responsibility for the uses to which a provider puts your personal information.
Our Sites are "Let's Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.
We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.
Where will your personal data be held?
Your personal data may be held within the European Economic Area (EEA) or outside the EEA. If any personal data is transferred or stored outside of the EEA, we check whether the EU Commission has determined that it will afforded the same level of protection as it would within the EEA (this is called an adequacy decision). If it will not, we will ensure any such transfer is subject to appropriate safeguards (for example by putting appropriate contractual provisions in place with relevant third parties to provide us with reassurance about the security of your personal data) or is otherwise permitted (for example with your express consent to transfer) in accordance with the provisions of the GDPR.
You have certain rights under the General Data Protection Regulations . For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.
To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team at compliance@tfli.co.uk.
The amount of time we retain your information for will depend on the reason it was provided:
If you require further information on our data retention policies please email: compliance@tfli.co.uk.
You can opt out of future contact from Commercial Experts at any time. All of our marketing messages provide an opt out link - please allow up to 48 hours for us to process your opt out request. Alternatively you can email compliance@tfli.co.uk where your details will be removed from any future marketing campaigns.
If you are receiving contact from third parties you will need to contact them directly and request them to remove your details.
Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:
There are some circumstances where the right "to be forgotten" does not apply i.e. where we need to comply with a legal obligation.
If you wish to request your "right to be forgotten" please email: compliance@tfli.co.uk
Our marketing partners will also be informed of your request where you have stipulated to do so.
Commercial Experts always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we're keen to resolve it as quickly as possible. You can contact us in any of the following ways:
By Email: compliance@tfli.co.uk
By Post:
Complaints Manager
TFLI Limited (on behalf of TFLI (US) Inc)
First Floor, Beechwood Court
Springwood Avenue
Tytherington Business Park
Macclesfield
Cheshire SK10 2XG
By Telephone: 01625 32 25 55
You can report any of your concerns to the Information Commissioner's Office (ICO)
Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
Last updated May 2024