Privacy Policy

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Last Updated: [Insert Date]

Expense Refunds Solutions Ltd. ("we," "our," or "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal data when you engage with us for personal tax refund services from HMRC in the United Kingdom.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy. Please read this policy carefully to understand our practices regarding your personal data and how we will treat it.

Expense Refunds Solutions Ltd. is a company registered in the UK, providing personal tax refund services to individuals by helping them claim refunds from HMRC. Our registered office is located at:

[Insert Company Address]

We collect and process the following personal data when you use our services:

• Personal Identification Information: Name, date of birth, National Insurance number, address, telephone number, email address, and other identifying details.
• Tax Information: Employment history, PAYE records, tax documents, income, and other financial information necessary for submitting tax refund claims.
• Financial Information: Bank account details (to process your refunds) or payment details if applicable.
• Communications: Any correspondence, including emails, phone calls, and messages, exchanged between us.
• IP Address & Cookies: When you visit our website, we may collect information such as your IP address, browser type, and device information, as well as cookies to enhance your experience.

We use the personal data we collect for the following purposes:

• Tax Refund Processing: To assist in the preparation and submission of tax refund claims to HMRC on your behalf.
• Communication: To contact you regarding your tax refund application, updates, and any changes to our services.
• Compliance with Legal Obligations: To comply with applicable laws and regulations, including HMRC tax regulations.
• Improvement of Services: To enhance our services, improve our website functionality, and customise the user experience.
• Fraud Prevention: To verify your identity and prevent fraudulent activities related to tax refunds.

We may share your personal data with third parties in the following cases:

• HMRC: To file your tax refund application and resolve any queries on your behalf.
• Service Providers: We may use trusted third-party service providers (e.g., IT support, payment processors) to help us deliver our services.
• Legal and Compliance: If required by law, we may disclose your information to law enforcement or other government authorities.

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

We take appropriate technical and organizational measures to protect your personal data from unauthorized access, loss, misuse, or disclosure. These measures include encryption, secure servers, and restricted access to your personal information.

However, please note that no system is completely secure, and while we strive to protect your personal data, we cannot guarantee its absolute security.

We will retain your personal data for as long as is necessary to fulfill the purposes for which it was collected or to comply with legal, tax, or regulatory requirements. Once your personal data is no longer needed, we will securely delete or anonymise it.

As a data subject in the UK, you have the following rights under the UK General Data Protection Regulation (UK GDPR):

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can ask us to correct any inaccurate or incomplete data.
• Right to Erasure: You can request the deletion of your personal data under certain circumstances.
• Right to Restriction: You can ask us to restrict the processing of your personal data in certain situations.
• Right to Data Portability: You can request a copy of your personal data in a structured, commonly used format.
• Right to Object: You can object to the processing of your personal data for direct marketing or other specific purposes.
• Right to Withdraw Consent: If we rely on your consent to process your data, you have the right to withdraw it at any time.

To exercise any of these rights, please contact us at [Insert Contact Email].

We use cookies on our website to enhance your user experience. Cookies are small files that store information on your device. You can manage your cookie preferences by adjusting your browser settings. For more information about our use of cookies, please refer to our Cookie Policy.

Our website may contain links to third-party websites. If you follow a link to any of these websites, please note that they have their own privacy policies, and we do not accept any responsibility or liability for their practices. We recommend reviewing the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal or regulatory reasons. We will notify you of any significant changes by posting the updated policy on our website and updating the "Last Updated" date at the top of this page. Please check back regularly for any updates.

If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please contact us:

• Email:  info@expenserefunds.com 
• Address:  12 Eastern Avenue West, Romford, United Kingdom, RM6 5SB 
• Phone: +44 (0) 7870 160018

We are committed to resolving any complaints or concerns regarding your privacy in a timely and fair manner.