Data Protection
Learn how we protect your personal data under UK GDPR
Introduction
Skip the Deposit Limited ("we", "us", or "our") is committed to protecting and respecting your privacy. This Data Protection Policy explains how we collect, use, and safeguard your personal information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Data Controller
Company Name: Skip the Deposit Limited
Registration Number: [Company Registration Number]
Registered Address: [Your Address], United Kingdom
Email: data.protection@skipthedeposit.com
Phone: [Contact Number]
Information We Collect
We collect and process the following categories of personal data:
Identity Information
- Full name
- Date of birth
- National Insurance number (for identity verification)
- Proof of identity documents
Contact Information
- Email address
- Telephone number
- Residential address
- Correspondence address (if different)
Financial Information
- Bank account details
- Payment card information
- Credit reference data
- Employment and income information
Property Information
- Rental property address
- Tenancy agreement details
- Landlord and agent information
- Rent amount and payment history
Technical Information
- IP address
- Browser type and version
- Device information
- Usage data and analytics
How We Use Your Data
We process your personal data for the following purposes:
- Insurance Contract Performance: To provide you with deposit replacement insurance and manage your policy
- Identity Verification: To verify your identity and prevent fraud
- Credit Assessment: To assess your eligibility for our insurance products
- Claims Processing: To handle any claims made under your policy
- Payment Processing: To process premium payments and handle refunds
- Communications: To send you policy documents, updates, and important notices
- Legal Compliance: To comply with our legal and regulatory obligations
- Service Improvement: To improve our products and services (with your consent)
Legal Basis for Processing
We process your personal data on the following legal bases:
Contract Performance
Processing necessary to enter into or perform our insurance contract with you
Legal Obligation
Processing required to comply with UK insurance regulations and anti-money laundering laws
Legitimate Interests
Processing necessary for fraud prevention, risk assessment, and business operations
Consent
Processing based on your explicit consent for marketing communications and analytics
Data Sharing
We may share your personal data with:
- Insurance Underwriters: To assess and manage insurance risks
- Credit Reference Agencies: To verify your identity and assess creditworthiness
- Payment Processors: To handle premium payments securely
- Landlords and Agents: As required by your tenancy agreement
- Legal and Regulatory Authorities: When required by law
- Professional Advisers: Including lawyers and accountants
- Service Providers: Who support our business operations
Note: We ensure all third parties respect the security of your data and treat it in accordance with UK GDPR. We do not allow them to use your data for their own purposes.
Data Retention
We retain your personal data for as long as necessary to:
- Fulfill the purposes for which it was collected
- Comply with legal, regulatory, and tax requirements
- Handle any potential claims or disputes
Typically, we retain policy data for 7 years after the policy ends, in line with insurance industry standards and legal requirements.
Your Rights Under UK GDPR
You have the following rights regarding your personal data:
Right of Access
Request a copy of the personal data we hold about you
Right to Rectification
Request correction of inaccurate or incomplete data
Right to Erasure
Request deletion of your data (subject to legal obligations)
Right to Restrict Processing
Request limitation on how we use your data
Right to Data Portability
Receive your data in a structured, machine-readable format
Right to Object
Object to processing based on legitimate interests or for marketing
Right to Withdraw Consent
Withdraw consent for processing at any time
Right to Lodge a Complaint
Complain to the ICO about our data processing
Data Security
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit and at rest
- Secure data centers with restricted access
- Regular security assessments and audits
- Employee training on data protection
- Strict access controls and authentication
- Regular backup and disaster recovery procedures
Contact Us
To exercise any of your rights or if you have questions about how we handle your personal data, please contact:
Data Protection Officer
Email: data.protection@skipthedeposit.com
Address: [Your Address], United Kingdom
Phone: [Contact Number]
Information Commissioner's Office (ICO)
If you believe we have not handled your data properly, you have the right to lodge a complaint with the UK's supervisory authority:
Information Commissioner's Office
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Phone: 0303 123 1113
Website: www.ico.org.uk