Privacy Policy

1. Who We Are

Monopolising ("we", "us", "our") is a UK business utilities broker based at Monopoly House, Andover, Hampshire. Monopolising Ltd is registered in England and Wales (Company No. 14616090). Our ICO registration number is 00015130982 (verify on the ICO register). We act as an intermediary between businesses and utility providers. For questions about this policy, contact us at hello@monopolising.co.uk.

2. What Data We Collect

• Name, email address, phone number
• Business name, company type, Companies House number
• Business and home address
• Date of birth (where relevant to regulated products)
• Contract and utility information you share with us
• Communications you send to us via the portal or contact form
• Marketing preferences you select

3. How We Use Your Data

• To provide utility brokering services and manage your account
• To send you renewal reminders and contract information
• To send marketing communications where you have given explicit consent
• To comply with legal obligations
• To improve our services and customer experience
• To qualify leads using automated AI-assisted processing — we may use AI tools to assess and categorise enquiries. This does not make solely automated decisions about you with legal or significant effects.

4. Legal Basis for Processing

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

• Contract performance — to deliver the services you have requested
• Legitimate interests — for fraud prevention, security monitoring, and service improvement
• Consent — for marketing communications (you may withdraw consent at any time)
• Legal obligation — where required by law

5. Marketing Communications

We will only send you marketing communications where you have given explicit, affirmative consent. You can withdraw your consent at any time by contacting us or updating your preferences in the customer portal. We comply with the Privacy and Electronic Communications Regulations (PECR).

6. Data Sharing

We may share your data with utility providers and insurers where necessary to obtain quotes and manage your contracts. We do not sell your personal data to third parties. All third parties we work with are required to handle your data in accordance with UK GDPR. Our key sub-processors include: our cloud hosting provider, our email delivery provider (Resend), and Google (for analytics, where you have consented). We do not transfer your personal data outside the UK/EEA without appropriate safeguards.

7. Data Retention

We retain your personal data for as long as you are an active customer, and for up to 7 years after the end of our relationship, in line with HMRC and financial record-keeping requirements. You may request earlier deletion of your data where no legal obligation requires us to retain it.

8. Your Rights

Under UK GDPR, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate data
• Request erasure of your data ("right to be forgotten")
• Object to or restrict processing
• Withdraw consent for marketing at any time
• Lodge a complaint with the ICO (ico.org.uk)

To exercise any of these rights, email us at hello@monopolising.co.uk.

9. Security

We take the security of your personal data seriously. All data is stored securely, access is restricted to authorised personnel only, and we use industry-standard encryption in transit. Passwords for the customer portal are stored using secure hashing.

10. Cookies

Our website uses essential cookies required for it to operate. Where you give consent via our cookie banner, we also use analytics cookies (Google Analytics) to understand how visitors use our site and improve our services. You can withdraw or change your consent at any time using the "Cookie Preferences" link in the footer.

11. Regulated Services

Wealth management and income protection services may involve regulated financial advice. Where applicable, these services are provided in partnership with FCA-authorised firms. We will make this clear at the point of engagement for these services.

12. Changes to This Policy

We may update this policy from time to time. We will notify active customers of material changes by email. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact

For any privacy-related queries: hello@monopolising.co.uk | 0333 456 456 1 | Monopoly House, Andover, Hampshire