Privacy Policy

Last updated: April 2025

Last updated: May 2026

1. Who We Are

This website (pcpclaimfinder.com) is operated by Jigsaw Claims Ltd (trading as PCP Claim Finder), a claims management company authorised and regulated by the Financial Conduct Authority (FRN: 912323).

Registered Address: 66 Seymour Grove, Manchester, M16 0LN
Email: [email protected]

We are committed to protecting your personal data and being transparent about how we collect, use, and store it. This Privacy Policy explains your rights and how we handle your information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. What Data We Collect

When you use our website and submit a claim enquiry, we may collect the following personal data:

  • Identity Data: First name, last name, date of birth
  • Contact Data: Email address, phone number
  • Address Data: Postcode, building number/name, street, town/city
  • Financial Data: Information relating to your PCP (Personal Contract Purchase) agreements, obtained via soft credit searches conducted on our behalf
  • Consent Data: Your electronic signature and consent records
  • Technical Data: IP address, browser type and version, device information, session identifiers
  • Usage Data: Pages visited, time spent on pages, how you arrived at our website

3. How We Use Your Data

We use your personal data for the following purposes:

  • To assess your claim: We use your personal and address details to conduct soft credit searches and determine whether you may have a valid PCP claim
  • To process your claim: If eligible, your data is shared with our claims processing partners to pursue your claim against the relevant lender(s)
  • To verify your identity: We may use one-time passcode (OTP) verification sent to your phone number
  • To communicate with you: To provide updates on your claim status, respond to enquiries, and send important notices
  • To comply with legal obligations: Including FCA regulatory requirements and record-keeping obligations
  • To improve our services: Analysing usage patterns to improve website functionality and user experience
  • Fraud prevention: Device fingerprinting and session tracking to detect and prevent fraudulent submissions

4. Legal Basis for Processing

We process your personal data on the following legal bases under the UK GDPR:

  • Consent (Article 6(1)(a)): You provide explicit consent when submitting your details and electronic signature through our form. You may withdraw consent at any time by contacting us.
  • Contract (Article 6(1)(b)): Processing is necessary to perform or enter into a contract with you for claims management services.
  • Legal Obligation (Article 6(1)(c)): We are required to retain certain records under FCA regulations.
  • Legitimate Interests (Article 6(1)(f)): For fraud prevention, security, and service improvement, where these interests do not override your rights.

5. Who We Share Your Data With

We may share your personal data with the following categories of recipients:

  • Claims processing partners: Regulated law firms and claims management companies who handle the progression of your claim
  • Credit reference agencies: To conduct soft credit searches on our behalf to identify potential PCP agreements (this does not affect your credit score)
  • Identity verification providers: To verify your identity and prevent fraud
  • IT service providers: Hosting, security, and analytics providers who help us operate the website
  • Regulatory bodies: The Financial Conduct Authority (FCA) or other authorities where required by law

All third parties are required to process your data securely and in accordance with applicable data protection laws. We do not sell your personal data to any third party.

6. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected:

  • Successful claims: Data is retained for 6 years after the conclusion of your claim, in line with FCA requirements
  • Unsuccessful/declined enquiries: Data is retained for up to 3 years, then securely deleted
  • Consent records: Retained for the duration of the retention period as evidence of your consent
  • Technical logs: Retained for up to 12 months for security and fraud prevention purposes

7. Your Rights

Under the 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 retention requirements)
  • Right to Restrict Processing: Request that we limit how we use your data
  • Right to Data Portability: Request your data in a structured, machine-readable format
  • Right to Object: Object to processing based on legitimate interests
  • Right to Withdraw Consent: Withdraw your consent at any time without affecting the lawfulness of prior processing

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.

8. Cookies

Our website uses cookies to ensure proper functionality and improve your experience. The cookies we use include:

  • Essential cookies: Required for the website to function correctly (e.g., session management, form submission)
  • Analytics cookies: Help us understand how visitors use the website so we can improve it
  • Fraud prevention cookies: Used by our identity verification and device fingerprinting services to detect fraudulent activity

You can manage your cookie preferences through your browser settings. Please note that disabling essential cookies may affect the functionality of the website.

9. Data Security

We take the security of your personal data seriously and implement appropriate technical and organisational measures to protect it, including:

  • SSL/TLS encryption for all data transmitted between your browser and our servers
  • Encrypted storage of sensitive data at rest
  • Access controls limiting who can view your personal data
  • Regular security assessments and monitoring
  • Secure hosting infrastructure with firewall protection

While we take every reasonable precaution, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the highest standard.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically.

11. Contact Us

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

Jigsaw Claims Ltd (trading as PCP Claim Finder)
66 Seymour Grove, Manchester, M16 0LN
Email: [email protected]
FCA FRN: 912323