Privacy Policy (OLD)

Information Collection and Use:

Warranty and Creditor Services (WCS) trading as My Gadget Umbrella is the sole owner of the information collected on this site. WCS collects information from our users at several different points on our website.

Insurance, claims or other policy administration

If you hold a policy with us we will contact you at various important points during our contractual relationship, for example, to notify you of future payments or to provide you with your policy documents. There may be other contractual reasons for our communication which we will make clear in those communications. We are required by law to contact you in some circumstances in relation to the contracts you hold. We will notify insurers and claims companies with the data they need to perform their duties under your contract, but we will not pass your details to any other parties for other purposes. Where your information is passed to us by any third party as part of a contract we administer we will respect the requirements of their privacy policy as far as possible.


In addition to those circumstances, or where you have opted in to receive information about our products and services via our website, then we, or our appointed agents, may communicate with you based on your relationship with us and the information we hold. You can opt out of marketing messages using the links in emails, or by contacting us. We will not sell, rent or give this information to other parties for their use.


A cookie is a piece of data stored on your computer containing information about you. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, you would not have to log in with a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. More details are here.

Log Files:

We use IP addresses to analyse trends, administer the site, track user movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.


This website takes every precaution to protect our user information. When users submit sensitive information via the website, your information is protected both online and off-line.

We do not ask for sensitive information such as credit card numbers online.

We do everything in our power to protect user-information off-line. All of our user information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, billing or customer services) are granted access to personally identifiable information.

If you have any questions about the security at our website, you can send an email to WCS.

Supplementation of Information:

WCS may supplement the information that we hold about you based on your interactions with us through other channels. For example, when you make a claim on a policy we administer we may validate information against publicly available data and record that detail in our systems. We record phone calls as a record of our conversation. We do not retain records of credit cards used when working with us, and we suspend recording of any calls if we require payment details from you during a call.

Site and Service Updates:

We may send the user site and service announcement updates. Customers are not able to un-subscribe from service announcements, which contain important information about the service. We communicate with the user to provide requested services and in regards to issues relating to their account via email or phone.

Notification of Changes:

If we decide to change our privacy policy, we will post those changes on this page so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Changes to this policy:
  • This policy was originally published in 2014.
  • This policy was last reviewed in September 2017 – No policy changes were made. Some minor typographical errors were corrected and WCS provided additional clarity on the extent and use of data.