This privacy policy sets out how Monopoly Technologies Limited uses and protects your personal data. This privacy policy is provided in a layered format so you can click through to the specific areas set out below.

1. IMPORTANT INFORMATION AND WHO WE ARE (paragraph 1)

2. TYPES OF PERSONAL DATA WE COLLECT ABOUT YOU (paragraph 2)

3. HOW IS YOUR PERSONAL DATA COLLECTED? (paragraph 3)

4. HOW WE USE YOUR PERSONAL DATA (paragraph 4)

5. DISCLOSURES OF YOUR PERSONAL DATA (paragraph 5)

6. INTERNATIONAL TRANSFERS (paragraph 6)

7. DATA SECURITY (paragraph 7)

8. DATA RETENTION (paragraph 8)

9. YOUR LEGAL RIGHTS (paragraph 9)

10. CONTACT DETAILS (paragraph 10)

11. COMPLAINTS (paragraph 11)

12. CHANGES TO THE PRIVACY POLICY AND YOUR DUTY TO INFORM US OF CHANGES (paragraph 12)

13. THIRD PARTY LINKS (paragraph 13)

Important Information and Who We Are

Privacy policy

Monopoly Technologies Limited provides an insurance-backed deposit replacement product known as “Skip The Deposit”. Instead of paying a traditional tenancy deposit to a landlord or letting agent, tenants pay a smaller, non-refundable fee to us. In return, an insurance policy is put in place that protects landlords against financial losses that would normally be covered by a traditional deposit, such as unpaid rent, damage to property beyond fair wear and tear, and cleaning costs at the end of your tenancy.

Monopoly Technologies Limited is an appointed representative of Eleven Network, who arranges the Skip The Deposit policy with an insurer on a tenant’s behalf. Monopoly Technologies Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1045018.

This privacy policy gives you information about how Monopoly Technologies Limited collects and uses your personal data through your use of this website, including any data you may provide when you register with us, access the Skip The Deposit Portal, purchase a Skip The Deposit policy, or contact us with a query or complaint.

This website is not intended for children and we do not knowingly collect data relating to children.

Controller

Monopoly Technologies Limited is the controller and responsible for your personal data (collectively referred to as "Monopoly", "we", "us" or "our" in this privacy policy).

Monopoly Technologies Limited is a company registered in England and Wales. Our registered office address is 127 Daneland, Barnet, England, EN4 8QB and our company registration number is 16681017.

We have appointed a data protection manager who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights (paragraph 9), please contact us using the information set out in the contact details section (paragraph 10).

The Types of Personal Data We Collect About You

Personal data means any information about an individual from which that person can be identified.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data includes first name, last name, any previous names, username or similar identifier, title and date of birth.

• Contact Data includes your address (including the rental property address), email address and telephone numbers.

• Financial Data includes bank account details, payment card details and the amount of rent payable under your tenancy agreement.

• Transaction Data includes details about payments to and from you, details of the Skip The Deposit policy you have purchased, your certificate of cover number, the start date and term of your tenancy, and any claims made under the policy.

• Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, device ID and other technology on the devices you use to access this website.

• Profile Data includes your username and password for the Skip The Deposit Portal, your preferences, feedback and survey responses, and any information you provide when disputing a claim.

• Usage Data includes information about how you interact with and use our website, the Skip The Deposit Portal and our services.

• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties, your communication preferences, and any correspondence with us including complaints.

• Tenancy Data includes details of your tenancy agreement, the deposit value stated in your tenancy agreement, check-in and check-out inventories or schedules of condition (including photographs), and information about any damage to or condition of the rental property.

• Landlord and Letting Agent Data includes the name, contact details and payment details of your landlord or their authorised letting agent, as well as any claims or evidence they submit in relation to your tenancy.

We also collect, use and share aggregated data such as statistical or demographic data which is not personal data as it does not directly (or indirectly) reveal your identity. For example, we may aggregate individuals' Usage Data to calculate the percentage of users accessing a specific feature in the Skip The Deposit Portal, analyse general trends in policy purchases and renewals, or review claims patterns to help improve our services and the Skip The Deposit product.

How Is Your Personal Data Collected?

We use different methods to collect data from and about you (whether you are a tenant, landlord or letting agent) including through:

• Your interactions with us. You may give us your personal data by filling in online forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

• apply for or purchase a Skip The Deposit policy (tenants);

• register for or access the Skip The Deposit Portal;

• submit a claim under a Skip The Deposit policy (landlords and letting agents);

• respond to or dispute a claim made against you (tenants);

• request marketing to be sent to you;

• make a complaint or give us feedback.

• Automated technologies or interactions. As you interact with our website and the Skip The Deposit Portal, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our Cookie Policy for further details.

• Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below:

• Technical Data is collected from analytics providers (such as Google).

• Identity, Contact and Tenancy Data may be collected from landlords, letting agents or property management platforms in connection with your tenancy.

• Contact, Financial and Transaction Data is collected from providers of payment services.

• Identity and Contact Data is collected from the Broker (Finance & Legal) and the Insurer in connection with the administration of your Skip The Deposit policy.

• Claims and Tenancy Data may be collected from third-party claims management companies (such as FINANCE & LEGAL) appointed to handle claims on our behalf.

• Identity and Contact Data may be collected from publicly available sources (such as Companies House and the Electoral Register).

How We Use Your Personal Data

Legal basis

The law requires us to have a legal basis for collecting and using your personal data. We rely on one or more of the following legal bases:

• Performance of a contract with you: Where we need to perform the contract we are about to enter into or have entered into with you in relation to the Skip The Deposit insurance-backed policy. This includes processing your application, setting up your policy, managing your cover throughout your tenancy, and handling any claims or renewals.

• Legitimate interests: We may use your personal data where it is necessary to conduct our business and pursue our legitimate interests. For Skip The Deposit, this includes verifying tenant identity, assessing risk for underwriting purposes, preventing fraud, ensuring the integrity of claims, communicating with landlords and letting agents about your policy, and enabling us to provide you with the best and most secure customer experience through the Skip The Deposit Portal. We make sure we consider and balance any potential impact on you and your rights (both positive and negative) before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).

• Legal obligation: We may use your personal data where it is necessary for compliance with a legal obligation that we are subject to. As an appointed representative of the Broker, we are authorised and regulated by the Financial Conduct Authority, and we must comply with applicable financial services regulations, anti-money laundering requirements, and consumer protection laws including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. We will identify the relevant legal obligation when we rely on this legal basis.

• Consent: We rely on consent only where we have obtained your active agreement to use your personal data for a specified purpose. For example, this may include subscribing to email newsletters about Skip The Deposit, receiving marketing communications about policy renewals or related products, or opting in to receive reminder notices about automatic renewal of your policy as required under the Digital Markets, Competition and Consumers Act 2024.

Purposes for which we will use your personal data

We have set out below, in a table format, a description of all the ways we plan to use the various categories of your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Direct marketing

When you apply for a Skip The Deposit policy through our website or the Portal, you will be asked to indicate your preferences for receiving direct marketing communications from Monopoly Technologies Limited via email. We may send you information about Skip The Deposit, including policy renewal reminders, related insurance products and services, and tips for tenants. Please note that statutory renewal reminder notices required under the Digital Markets, Competition and Consumers Act 2024 are not marketing communications and will be sent regardless of your marketing preferences.

We may also analyse your Identity, Contact, Technical, Usage and Profile Data to form a view of which products, services and offers may be of interest to you. For example, if your tenancy is due to end, we may send you information about obtaining a new Skip The Deposit policy for your next property. You can update your marketing preferences at any time through the Portal or by contacting us using the details set out in paragraph 10.

Third-party marketing

We will get your express consent before we share your personal data with any third party for their own direct marketing purposes.

Opting out of marketing

You can ask us to stop sending you marketing communications at any time by logging into the Portal or by following the opt-out links within any marketing communication sent to you or by contacting us.

If you opt out of receiving marketing communications, you will still receive service-related communications that are essential for administrative or customer service purposes, or for renewal reminders.

Cookies

For more information about the cookies we use and how to change your cookie preferences, please see our Cookie Policy at www.skipthedeposit.com/cookies.

Disclosures of Your Personal Data

We may share your personal data where necessary with the parties set out below for the purposes set out in the table Purposes for which we will use your personal data above.

• Other companies in the Monopoly Technologies Limited group acting as joint controllers or processors who provide IT and system administration services and undertake reporting.

• Service providers acting as processors who provide IT, system administration, payment processing, and customer service support.

• Finance & Legal (the Broker) and the Insurer for underwriting, policy administration and claims handling purposes.

• FINANCE & LEGAL, our third-party claims management company, for administering and assessing claims made under the Skip The Deposit policy.

• Other insurers, industry fraud prevention databases, Action Fraud and law enforcement agencies where necessary to verify identity, assess risk and prevent fraud.

• The Financial Conduct Authority and the Financial Ombudsman Service in connection with regulatory compliance and complaint resolution.

• Landlords and letting agents as necessary to manage your Skip The Deposit policy, communicate about claims, and facilitate the claims process.

• Professional advisers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services.

• HM Revenue & Customs, regulators and other authorities who require reporting of processing activities in certain circumstances.

• Third parties to whom we may choose to sell, transfer or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy policy.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

International Transfers

We do not routinely transfer your personal data outside the United Kingdom. However, some of our external service providers may be based outside the UK or may use servers located outside the UK. Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by using specific standard contractual terms approved for use in the UK, namely the International Data Transfer Agreement or the International Data Transfer Addendum to the European Commission’s standard contractual clauses for international data transfers. To obtain a copy of these safeguards, please contact us using the details set out in paragraph 10.

Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Data Retention

How long will you use my personal data for?

Details of retention periods for different categories of your personal data are set out in the table ‘Purposes for which we will use your personal data’ above.

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they cease being customers for tax and regulatory purposes.

In some circumstances you can ask us to delete your data: see paragraph 9 below for further information.

Your Legal Rights

You have a number of rights under data protection laws in relation to your personal data.

You have the right to:

• Request access to your personal data (commonly known as a "subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

• Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

• Request erasure of your personal data in certain circumstances. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with applicable law. Note, however, that we may not always be able to comply with your request for erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

• Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) as the legal basis for that particular use of your data (including carrying out profiling based on our legitimate interests). In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your right to object.

• You also have the absolute right to object at any time to the processing of your personal data for direct marketing purposes (see ‘Opting out of marketing’ in paragraph 4 for details of how to object to receiving direct marketing communications).

• Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

• Withdraw consent at any time where we are relying on consent to process your personal data (see the table in paragraph 4 for details of when we rely on your consent as the legal basis for using your data). However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

• Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in one of the following scenarios:

• If you want us to establish the data's accuracy;

• Where our use of the data is unlawful, but you do not want us to erase it;

• Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or

• You have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

If you wish to exercise any of the rights set out above, please contact us using the details set out in paragraph 10.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Contact Details

If you have any questions about this privacy policy or about the use of your personal data or you want to exercise your privacy rights, please contact us in the following ways:

• Email address: privacy@skipthedeposit.com

• Postal address: [127 Daneland, Barnet, EN4 8QB]

Complaints

You have the right to make a complaint to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). However, before doing so please make sure you have first made your complaint to us or asked us for clarification if there is something you do not understand. The ICO will expect you to have done this before reviewing your complaint.

Changes to the Privacy Policy and Your Duty to Inform Us of Changes

We keep our privacy policy under regular review. This version was last updated on [02/07/2026].

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us, for example a new address or email address.

Third-party Links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.