Privacy Policy

Last Update: July 2026

This Privacy & Cookies Policy describes the privacy practices relating to https://phillips-cohen.com/uk/ (the “Website”) and applies solely to information collected and used in connection with your use of this Website.

The Website is owned and operated by Phillips & Cohen Associates (UK) Ltd.

Table of Contents

What is this Privacy Policy about and what is Personal Data?
Your Personal Data – Personal Representatives, Executors and Administrators
Who is Phillips & Cohen Associates (UK), Ltd and why do they need my Data?
Information collected through our Website
Cookies
Third Party Links and Advertisement
Do Not Track (DNT) signals
Special categories personal data
What does PCA UK do with my Data?
How long does PCA UK keep my Data?
What are my rights?
How do I complain or enquire about the use of my data?

What is this Privacy Policy about and what is Personal Data?

This document explains what personal data is collected when you access and use the Website and how this Website collects, uses, and protects your personal data to achieve the purposes outlined in this document.

Personal data refers to information that can be used to identify you directly or indirectly. This includes details such as first name, last name, email address, tracking technologies (like cookies or tracking pixels), user activity, and device information.

Your Personal Data – Personal Representatives, Executors and Administrators

Phillips & Cohen Associates (UK), Ltd respects the privacy of visitors to our online sites. Any personal information gathered on this Website will be kept strictly confidential, stored securely in compliance with the Data Protection Act 2018 and the UK General Data Protection Regulations (UK GDPR) (“Data Protection Legislation”).

Who is Phillips & Cohen Associates (UK), Ltd and why do they need my Data?

Phillips & Cohen Associates (UK), Ltd. (PCA UK) is a ‘Processor’ of the personal data you and/or original account holder provided to our client. This means that we are processing your information on behalf of a Data Controller. ‘Processing’ means that we will collect, use, store, access and retrieve some of your personal data that is necessary for us to perform the services to our clients. PCA UK specialises in deceased account management and the reason we are processing your data is to discuss estate matters in your capacity as the Personal Representative, Executor or Administrator of an estate of a deceased individual. To do this, we may collect contact and payment information to discuss and settle outstanding estate liabilities.

Unless otherwise agreed with you, we will only collect basic personal data about you (such as your name, home address, telephone numbers, email address and payment information). We will not usually process any special categories of personal information about you (often known as ‘sensitive personal data’) unless you disclose some sensitive information to us and we are expressly authorised by you to record the information.

PCA UK adopts a strict approach to data protection and have chosen to publish this Policy to ensure we are clear and transparent on who we are, what data we process and why. The information regarding a late deceased account holder is not covered under the Data Protection Legislation; however, we treat all information with the utmost respect and in strict confidence. You should also have been provided with a separate privacy notice or policy by our client, the Data Controller.

Phillips & Cohen Associates (UK), Ltd is a limited company, our registration number is 5284353. Registered office: Building 5, Floor 9, Exchange Quay, Manchester, M5 3EF. PCA UK are authorised and regulated by the Financial Conduct Authority for the accounts formed under the Consumer Credit Act; our FCA reg. number is 719200.

Information collected through our Website

This Website also collects and uses information in aggregate form to track the total number of visitors to our site, the number of visitors to each page of our site, the domain names of our visitors’ Internet service providers, and other such technical information. This is technical information that does not by itself identify a specific individual. No personal information is available in this process. We use this data to improve our services.

When you use the Website to make a payment for a debt referred to us, cardholder personal data including name, , address, account or case reference numbers, security information or other verification information used to access your account, payment information will be processed by our payment processor, Acquired Limited, in accordance with their Privacy Policy and in alignment with this Privacy Policy and instructions of the Controller.

Cookies

“Cookies” are small text files offered to a user’s computer by web servers to keep track of the user’s browser when a website is navigated. We use cookies and similar technologies on our Website that offer business product and technical support facilities to distinguish you from other users of our Website. This helps us to provide you with a good user experience and also allows us to personalise and improve the Website (including its security). We use the following kinds of cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our Website. They include, for example, cookies that enable you to log into secure areas of our Website.

Analytical/performance cookies. These cookies allow us to recognise and count the number of visitors and to see how visitors move around our Website when they are using it. This helps us to improve the way our business product website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies. These are used to recognise you when you return to our Website. This enables us to personalise our content for you, greet you by name and remember your preferences.

We use Cookies on our Website to do a few different things:

to remember information about you, so you don’t have to give it to us again. And again. And again.
to keep you signed in, even on different devices.
to help us understand how people are using our services, so we can make them better.

We have included examples of the types of cookies we use and the purposes for which we use them in the table below. Please note that this is not an exhaustive list but rather aims to be representative. Information about cookies that may be set by 3^rd parties, such as our partners, is included below.

Cookie Title/Type	Purpose	Duration/Expiry
_ga _ga_4ZLH4H6MEQ _ga_16LQPW3EDS) (Google Analytics) Analytical/performance	Distinguishes individual users and tracks session activity; used to calculate visitor, session and campaign data for site analytics	24 months
Cookieyes-consent Functionality/Strictly Necessary	Store/remember a user’s cookie consent choices and maintain a verifiable consent log	12 months
STYXKEY_pca_audience Functionality	Remembers the User’s page selection and permits caching by the server/browser	1 hour
TS015524ec Functionality/Strictly Necessary	“Web Application Firewall cookie” that permits authentication of the Users’ web browser & load balancing. Used to ensure legitimate ‘human’ web browsing and block automated/scripted and bot related activity.	Session-based
OptanonAlertBoxClosed Strictly Necessary	Enables essential website functionality such as security, accessibility, or network management.
OptanonConsent Strictly Necessary	Enables essential website functionality such as security, accessibility, or network management.
TP.uuid Functionality/Strictly Necessary	Unique identifier value used for fraud & scam detection

Third Party Links and Advertisement

As a convenience to our visitors, the Website may contain links to a number of independent sites that we believe offer useful information. This Privacy & Cookie Policy does not apply to those sites. We suggest contacting those sites directly for information on their data collection and distribution policies.

We do not use third party advertising companies to provide advertisements or allow third party advertisers to track your browsing.

Do Not Track (DNT) signals

We honour ‘Do Not Track’ (DNT) signals. If you have enabled DNT in your browser, we will not track your browsing behaviour across our site or share your information with third-party advertisers.

Special Categories personal data

In addition to the basic data described above, it may also benefit you to notify us of any health condition or disability you have, so that we are aware of these conditions and how they affect you. This will allow us to take any reasonable steps to accommodate specific needs or requirements you have when we contact you. This type of information is known under the law as ‘special category information’ (you may also know this as ‘sensitive personal data’) and we require your explicit consent to process this information.

This kind of information will only be collected from you and used by PCA UK to assist you. The information will only be shared with our Data Controller Client with your consent and will only be kept as long as it is required for this purpose, or until such time as you notify us you no longer consent to its processing.

What does PCA UK do with my data?

All the personal data we hold about you will be processed by Phillips & Cohen Associates (UK), Ltd. The purpose of our processing is to contact you to discuss an estate to which you are an appointed representative, Administrator or Executor and, where relevant to take payment to settle the outstanding balances. We will not record or share your payment information (i.e. Card number or bank details) unless we are required to do so by law. We will only share your contact information with our client, as the Data Controller, and approved third parties that apply the same levels of information security and privacy as PCA UK. Please be aware, that your contact information may be stored on a cloud-based system whose servers are located within the European Union.

We take all reasonable steps to ensure that your personal data is processed securely and is adequately protected at all times.

How long does PCA UK keep my Data?

We will generally keep your personal data for a minimum of 6 years, after which time it will be destroyed if it is no longer required for the lawful purpose(s) for which it was obtained. If we have contacted you regarding a residential mortgage account, we will keep your data for a minimum of 12 years.

What are my rights?

Under Data Protection Legislation, you have several rights regarding the use of your personal data. It is important to note that all requests made in relation to your rights will be referred to the Data Controller. As a Data Processor we will assist the Data Controller with any requests that are made as follows:

If at any point you wish to either confirm whether your personal data is being processed and/or wish to access the data we hold on you, you can request to see this information, usually free of charge. As we are a Data Processor, any such requests will be forwarded to the Data Controller, and we will assist them in fulfilling this request to you. This means that we will usually provide our client with all of the information we hold, and they will fulfil your information request. Unless this is a complex request, the Data Controller will usually provide the information to you within one month.
You are entitled to have data corrected if it is inaccurate or incomplete. Some of our clients allow us to amend the data (for instance an incorrectly spelt name) whereas others insist that we refer all such requests to them. Please be assured we will deal with such requests as efficiently as possible.
Whilst you are entitled to have data deleted if it is no longer needed or there is no longer a legitimate reason for processing, or the data in question has otherwise unlawfully been processed, we will consider each request to ensure that there are no other valid reasons for continuing to process your data.
You have the right to object to the processing of your personal data (note that this only provides you with the right to raise your objections, not a blanket right to have any and all processing ceased).
You have the right to restrict the processing of your personal data under certain circumstances, including if you have contested its accuracy, or if we are reviewing an objection you have raised in relation to its processing.

How do I complain or enquire about the use of my data?

If you wish to raise a complaint about how we have handled your personal data, including in relation to any of the rights outlined above, you can contact our Data Protection Officer, Howard Enders, at ukcompliance@phillips-cohen.co.uk, and we will review your query and / or investigate your concerns. This will likely result in a referral to the Data Controller.

If you are not satisfied with our response or believe we are processing your data unfairly or unlawfully, you can complain to the Information Commissioner’s Office (ICO). You can find further information about the ICO and their complaints procedure here: https://ico.org.uk/concerns/.