Privacy Policy



1. Introduction

Welcome to MustCompare.co.uk, our Privacy Policy sets out in detail the purposes for which we process your personal data, who we share it with, and everything that we think it is important for you to know. Please read it carefully before using our website, because by continuing using it you are agreeing to be bound by the terms of this Privacy Policy.

2. Definitions:

  1. "our” Website means MustCompare.co.uk
  2. “you” and “your” means any person who accesses and uses our website
  3. “we” means Must Compare.co.uk
  4. ECL means Emergency Cash Limited
  5. Provider means any third-party product service provider that Must Compare displayed on our website.
  6. Product means any third-party product displayed on our Website, such as bank accounts, credit cards, prepaid cards and loans
  7. Most Popular means the product who receives most clicks
  8. The total to pay back means the total amount you would have to pay back to the Provider based on the search information you provided.
  9. Monthly amount to pay means the monthly instalment amount to pay to the Provider based on the search information you provided.
  10. Representative APR means Representative Annual Percentage Rate.
  11. Personal information is information that you provide to us that personally identifies you such as your name, email address, address or other data which can be reasonably linked to you.

3. General

  1. This Privacy Policy neither applies to the practices of companies not owned or controlled by Emergency Cash Limited nor to people not employed or managed by ECL.
  2. This Privacy Policy is intended to cover collection of information on our website from residents of the United Kingdom. The Services and websites provided by ECL are intended for UK citizens and residents. If you are visiting our websites from outside the UK, please be aware that your information may be transferred to, stored and processed in the UK where our servers are located. By using our Services or website, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

4. Marketing

  1. ECL may collect and store information about you when you use Must Compare Services, when you visit Must Compare pages or the pages of certain ECL partners, and when you enter promotions or sweepstakes conducted, endorsed, or advertised by ECL. ECL may combine the information we have about you with information obtained from business partners, other companies, and other users.
  2. Customising or enhancing your experience of our services, which may use inferences about your likely interests based on your activity on our website.
  3. Delivering relevant advertising to you on Must Compare website or third parties or in direct communications from us, which may use inferences about your likely interests based on your activity on websites operated by Must Compare.
  4. Measuring and understanding the effectiveness of advertising we serve to you and others.

5. Optimization

  1.  ECL uses information for the following general purposes: providing, maintaining, optimizing, and improving our services, developing new services, enhancing the user experience, customizing the advertising, offers and content you see, fulfilling your product and service requests, conducting research, managing your customer relationship with us, providing you customer support, contacting you, and providing reports for our internal and external clients and partners. We do not store your Personal Information in cookies or log files on your device, but identifiers in such cookies or log files may be tied to your Personal Information in our systems.

6. Information you provide and we collect about you

  1. We may also collect Personal Information or other information directly from you through our “Contact Us” forms, or when you otherwise interact with us to ask for further information on any quotes provided by a third party.
  2. Customer Service: When you first contact us via phone or email we may also communicate with you via email or other means in response to your inquiries and to manage your account.
  3. Transactions: ECL collects information about your transactions with our providers. This might include a confirmation of the services that have been provided but we do not store the billing and payment information.
  4. Website Access & Activity: ECL automatically collects and records certain information from the computer, mobile phone, or other device you use to access the Website, including your ECL cookie information, device type, IP address, browser type, browser language, the Web pages you request, location information, and the date and time of your request. Our third-party service providers may also collect such information. We receive data about you whenever you interact with the Website, such as when you look at a product, page, or click on an ad.
  5. Public Content: Your reviews, comments, questions and answers, posts on your reviews, providers that you have done business with, topics and users you post, and any other information that you post to the Must Compare Website Review are meant for public consumption. We may display this content on the Website, collect and store it. Please also keep in mind that whenever you voluntarily make other personal information (e.g. your home address) available online for viewing by third parties by posting it on the Website, that information is public and can be seen, collected and used by others besides us. We cannot be responsible for any unauthorized third party use of such information.
  6. Location: We may collect and store information about your location if you enable your computer or mobile device to send us location information. ECL will not collect your specific location information without your consent. However, we may ask your consent to using location-enabled services on your Device using things like GPS or Wi-Fi access point information. You may be able to change the settings so that we can collect, share and process information about your specific location to enhance our Services and provide better offers to you, on your computer or mobile device to prevent it from providing us with such information. We may also use information like your IP address or other Device Identifiers for approximate location information, like your city or state.
  7. Mobile Application: Some of our Services may be provided through a quote on your mobile, tablet computer, or similar device ("Mobile Application"). Our Mobile Application may collect the same types of information described above, including Usage Information that is automatically collected and stored. We may also collect and use technical data and related information, including but not limited to, preferred language, phone number or other unique Device Identifiers assigned to your mobile device, technical information about your mobile device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to such Mobile Applications. We may associate your unique Device Identifier or Mobile Application Usage Information with any Personal Information you provide or to link you with a provider.

7. Third Party Providers

  1. We offer our services by comparing different providers. Some of the personal information that you provide to those Websites may be sent to ECL in connection to the order to deliver the service. We process such information under this Privacy Policy.
  2. Must Compare includes links to other websites and provides access to products and services offered by third parties, whose privacy policies we do not control. When you access another website or purchase third party products or services through the website, use of any information you provide is governed by the privacy policy of the operator of the website you are visiting or the provider of such products or services. The privacy policy of our provider partners may differ from ours. We do not exercise control over these third-party websites, and they may place their own cookies or other files on your Device, collect data, website usage information and your Device Identifier, or solicit Personal Information from you. We are not responsible for the privacy practices of any third party. Our websites may contain links to other websites. This privacy policy does not apply to those other websites and we do not accept liability for the content of any other website. We encourage you to note when you leave our website and to read the privacy policies and terms of service of all third-party websites or applications before submitting any Personal Information to third parties.

8. How your information will be used

  1. Providing you with the comparison of information, products and services you request from us by providing you with a result from searches from different filters.
  2. Administering promotions or competitions that you enter with us.

9. Legal grounds for processing your information

We will only collect and use your personal information in accordance with data protection laws. Our legal grounds for processing your personal information in the ways described in this Privacy Policy will be typically as follows:

  1.  Performance of a contract - In order to provide you with the Services we will search the websites of our partners to get you the best quotes;
  2. Consent – You have consented to us using your personal information for this purpose by utilising our services in accordance with our Terms and Conditions. You can withdrawn marketing consent at any time by informing us.
  3. Legal obligations – it is necessary for us to use your personal information to comply with a legal obligation.

10. Storing your data

  1. We will store and process your information securely as we deem appropriate, for example on our computers and servers for a reasonable period at least for the period required by law.
  2.  If you have asked that we do not use your details for marketing purposes, we may still need to keep them to ensure our systems reflect your preferences.
  3. All information you provide to us is, as far as reasonably practicable, is stored on our secure servers.
  4. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
  5. if Emergency Cash Limited or substantially all of its assets, are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets.
  6. if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Website Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of Emergency Cash Limited, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud prevention and credit risk reduction.
  7. We may give information about you and how you manage your account to the following: law enforcement agencies in circumstances where we are required to do so by law; persons and legal entities which provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential;

11. An explanation of what cookies are and how we use them

  1. A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps web applications to respond to you as an individual by gathering and remembering information about your preferences and which pages you visit. Some cookies only exist whilst users are online but persistent cookies – which are not session-based – remain on the user’s computer, so that he or she can be recognised as a previous visitor when he or she next visits our website. A cookie in no way gives us access to your computer or any information about you, other than the information you choose to share with us.
  2. We use cookies to collect information about your computer, including, where available, your IP address, operating system and browser type, for system administration and to report information to our advertisers. The cookies we use, along with an explanation of what they do, is set out below
  3. We do not store sensitive information such as account numbers or passwords in persistent cookies, and cookies in themselves, do not contain enough information to identify you.
  4. In addition to using cookies, we might also use web tools to collect information about your browsing activities whilst on our website. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purpose.
  5. Any information that we acquire about you using cookies [or web tools] is subject to the same restrictions and conditions as any other information we collect about you.
  6. Some of our advertisers may also use cookies or web tools that are set by other people such as advertising agencies, or the businesses to which the advertisements in question relate. We do not have access to any information that might be collected in this way, and, if you are concerned, you should contact the advertiser for more information.
  7. The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 requires that cookies can only be placed on a computer where the user has given their express consent. You can choose to accept or decline cookies when you first access our Website. We require you to indicate your choice via an automated “pop-up” box, which explains the cookies we use and what we use them for. Most web browsers automatically accept cookies, but you can also usually modify your browser setting to decline cookies if you prefer. If you decline to accept our use of cookies or set your web browser to decline their use, you will have only limited functionality in the use of our Website.

12. Your rights

  1. You have the right, under section 7 of the Act, to access information held about you. Your right of access can be exercised in accordance with the Act by writing to us at [email protected] or Emergency Cash Limited, 14th Floor, 33 Cavendish Square, London, W1G 0PW. Once the requester has filed the Submission form, we will have one month to provide you with all relevant information, however we will always endeavour to produce the documents as soon as possible. Whereas possible data will be provided on electronic form.

13. Your consent and changes to our privacy policy

  1. By using our Website you consent to our collection and use of your personal information as described in this Policy. We reserve the right to amend this Policy at any time with or without notice. Any changes we may make to our Policy in the future will be posted on this page.

14. Contact us

  1. Please write to us at [email protected] or Emergency Cash Limited, 14th Floor, 33 Cavendish Square, London, W1G 0PW to obtain further disclosure on this privacy policy or the way in which Must Compare processes your personal information, you can contact us using the details above.
  2. We hope that we will be able to resolve any questions or concerns you have. However, you may at any time raise your concern with the UK Information Commissioner at:
    Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF