Welcome to the Bankrate website! Bankrate is a trading name of uSwitch Limited. Here’s how we protect your data and respect your privacy.
If you are visiting the Bankrate website, this policy applies to you.
If you are using the Bankrate website, we act as the controller of your personal data. This means we decide how and why your data is processed. You can contact us at firstname.lastname@example.org or by writing to Bankrate, The Cooperage, 5 Copper Row, London SE1 2LH.
We have a Data Protection Officer. His name is Mark Scott. You can contact him at email@example.com.
When you use Bankrate, we collect data. Sometimes you give us data. Sometimes data about you is collected automatically.
This is the type of information collected about you when you use Bankrate:
|Contact details||Comparison information|
|Your email address, phone number and login details (if you create a Bankrate account)||The information you provide to get your quotes|
|Data that identifies your device||Data on how you use Bankrate|
|Cookies, browser information, time zone settings, location information, operating system and version||How you get to and use Bankrate, pages you view and for how long, how often you visit, error and bug information, survey answers and other actions|
Bankrate is designed for use by people aged 18 years and older. We do not target Bankrate at children, and we do not knowingly collect any personal data from anyone under 18 years old.
We can only use your personal data if we have a legal reason for doing so. Here are the reasons why we process your personal data.
Providing the Bankrate service to you, allowing you to log in (using your Bankrate account), remembering your settings, personalising your Bankrate experience, providing the infrastructure to run the Bankrate service.
Legal basis: legitimate interests | contract
Optimising traffic, data analysis, surveys, research, obtaining feedback, testing features.
Legal basis: legitimate interests
Letting you know about changes to the Bankrate service, solving issues, fixing bugs.
Legal basis: legitimate interests
Sending you emails about offers, features, products and services.
Legal basis: consent
This is what each legal basis means:
|legitimate interests||Using your data is necessary for the legitimate interests of us or someone else. We can only use your information if the legitimate interest is not outweighed by your rights and interests.|
Bankrate’s legitimate interests are:
|contract||Using your data is necessary because we are taking steps at your request before you enter into a contract.|
|consent||You have consented to us using your data for a specific purpose.|
You can withdraw your consent at any time. You can do this by updating your marketing preferences in your Bankrate account, clicking “unsubscribe” in any email we send you, or by contacting us at firstname.lastname@example.org.
You can use your rights by contacting us at email@example.com.
|You can ask us for copies of your information. This right always applies (but there are some exceptions, so you might not get everything we process). Find out more here.||You can ask us to correct inaccurate or incomplete information. Find out more here.|
|You can ask us to erase your information in some circumstances. Find out more here.||You can ask us to restrict processing of your information in some circumstances. Find out more here.|
|Object to processing||Data portability|
|You can object to our processing if we process your personal data because it is in our legitimate interests. Find out more here.||This only applies to information you give us. You can ask us to transfer the information to another organisation or give it to you. This only applies if we are processing based on your consent or in relation to a contract and that processing is automated. Find out more here.|
You can also make choices about your personal data.
If you do this, you can browse Bankrate, but you won’t be able to use our comparison service.
You can block cookies by adjusting your browser settings or visiting Bankrate in “incognito” or “private” mode. You can also delete cookies using your browser settings. If you do this, you might not be able to use all the Bankrate website. You can find out more about cookies and how to turn them off here.
We’ll tell you and ask for your consent before using your data for marketing. You can withhold your consent or withdraw it at any time after you give it by updating your marketing preferences in your Bankrate account, clicking “unsubscribe” in any email we send you or by contacting us at firstname.lastname@example.org.
We hope that you are happy with how we use your personal data. If you are not, please contact us at email@example.com.
You can complain about how we use your personal data at any time to the Information Commissioner’s Office. Find out more here.
The personal data we collect is processed at our offices in the UK and in data processing facilities that are provided to us by third parties.
Some of these third parties are located outside the European Economic Area (“EEA”). If we ever transfer your personal data outside the EEA, we take steps to protect your privacy rights and make sure that the transfers comply with the law.
We only keep your data for as long as is necessary for the purposes for which we collect it.
Like many technology businesses, we use trusted suppliers to host our services (including the Bankrate website) and power our business systems. We only choose partners who we trust and who have in place appropriate security measures to keep your data safe.
We only share your personal data with these suppliers when we must. If these suppliers are located outside the EEA, we take steps to protect your privacy rights and make sure that the transfers comply with the law.
Some cookies are ours and some belong to third parties. They fall into the following categories:
|We need these to make sure you can use Bankrate.|
|These cookies let us monitor how the Bankrate website is performing so that we can improve it.|
You can block cookies by adjusting your browser settings or by visiting Bankrate in “incognito” or “private” mode.
You can also delete cookies using your browser settings. If you do this, you might not be able to use all the Bankrate website. You can find out more about cookies and how to turn them off here.
Bankrate use Local Storage. Local Storage is a facility provided by modern web browsers to retain data on your device, in a similar way browser cookies. With your consent, Bankrate uses Local Storage to store the data you input into our tools, so you don’t have to re-enter it every time.
You always have complete control over this data and can delete it at any time by clearing your browsing data.
We update this policy as we change Bankrate to make it even better for you. Please check back regularly to make sure you know exactly how we use your data next time you use Bankrate.
This policy was last updated on 1 August, 2019.
© 2020 Bankrate and its licensors. All rights reserved. Bankrate is a trading name of Uswitch Limited, registered in England and Wales (company number 03612689). Uswitch Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website: www.fca.org.uk/register. Our registered address is The Cooperage, 5 Copper Row, London, SE1 2LH.
Bankrate services are provided at no cost to you, but we may receive a commission from the companies to which we refer you.