- where we collect your personal information from;
- what personal information we collect;
- how we use your personal information;
- who your personal information is shared with; and
- the rights and choices you have when it comes to your personal information.
The main reason we process your personal data is to provide you with the Services that you request from us (see section 4 below). For certain purposes set out in section 5 below, we may share your personal information with members of our Group, our partners, service providers and regulatory or governmental bodies. We will only hold your personal information for as long as necessary to fulfil the purposes for which we hold that personal information.
1.0 Who are we?
iCar Finance UK Ltd (company number 13289403) is the data controller in relation to the processing of the personal information that you provide to us when you use our Services. Its registered address is iCar Finance UK Ltd, Arion Business Centre, Harriet House, 118 High Street, Erdington, Birmingham, B23 6BG. If you have any queries relating to our use of your personal information, if you want to contact our data protection officer or if you have any other related data protection questions, please contact our Data Team at firstname.lastname@example.org or write to our Data Protection Officer at iCar Finance UK Ltd, Arion Business Centre, Harriet House, 118 High Street, Erdington, Birmingham, B23 6BG.
2.0 How do we collect personal information?
2.1 From you – Most of the personal information we collect will be direct from you when you use the Services. We will collect this information from you through the websites, mobile applications or other similar devices, channels or applications operated by iCar Finance UK. iCar Finance UK may also share your personal information with the rest of our Group but only if you have given your informed consent for it to do so while using our website icarfinance.co.uk. The information that iCar Finance UK shares will be used to speed up form filling, or to personalise, or improve your experience when using the Site and www.icarfinance.co.uk.
2.2 From our partners – If you purchase a product from one of our partners whose products are shown on our Site then they may send us information they hold relating to the product(s) you have purchased. This allows us to track sales and improve our Services.
2.3 From our channel operators – whilst the majority of the channels on our Site are run by us, some of our channels are designed, maintained and/or run for us by our trusted channel operators. We may receive your personal information from our channel operators and use it in accordance with section 4 below. Where our channel operators collect your personal information on a channel which is maintained by them, they will be acting as the data controller of your personal information.
2.4 From our suppliers – We will sometimes use other companies to collect and process your personal information on our behalf, for example we may use IT service providers or market research agencies. Where we use third parties we will make sure that they commit to keep your information safe. We may also obtain data about you from our suppliers – for example, if you use our Credit Monitor Services (either through the Apps or on our website), we will obtain information about your credit history for you (see sections 4.2.6 and 5.2.4 below for further information) and if you receive car tax and MOT reminders from us, we will obtain the dates these fall due by accessing public sector information (see sections 188.8.131.52 and 5.1.7 for further information).
3.0 What personal information do we collect?
3.1 The personal information we may collect when you use the Services includes your name, address, email address, telephone number, date of birth, driving history and details about your vehicle/home together with details of your financial information, for example, bank account or payment details. We use this data, to obtain comparative quotes for insurance, home services or money products, or when searching for travel deals. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your transactions.
3.3 We do not knowingly collect or store any personal information about children under the age of 16. If you are aged under 16 please get your parent or guardian’s permission before you provide any personal information to us.
3.5 We may monitor or record your calls, emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g., where you call our customer services help line), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
3.6 In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.
Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.
4.0 How do we use your personal information?
We may use your personal information:
4.1 to enable you to access and use the Services including:
4.1.1 verifying your identity, managing, running and administering your account or use of any mobile applications if you choose to set up a Site account or download mobile applications;
4.1.2 passing it to our partners including companies whose products or services are included on our Sites, with a view to them providing you with an online quote or eligibility score for the product/service requested by you. When our partners use your personal information to provide a quote they will act as data controllers of your personal information, you can see links to lists of our partners in section 5.1.5 below;
4.1.3 to make it easier for you to use the Sites we will store the personal information you provide and may use it to pre-populate fields on the Sites when making return visits;
4.1.4 to enable you to use our eligibility services. When you use our eligibility services, a credit report will be generated by carrying out a ‘soft’ credit check. We do not carry out these checks but will pass your personal information to our trusted service providers who will generate these checks (see section 5.2 below for more details);
4.1.5 to process a transaction between you and a third party;
4.1.6 to track sales, which may involve us sharing data with your product provider relating to the product(s) you have purchased;
4.1.7 where you use the Credit Services, we will supply you with your credit score and/or credit report (as applicable) from TransUnion or Experian. This will leave a footprint (also known as a ‘soft’ search) on your credit file, which does not affect your score and is not visible to lenders, but will be visible to you. We will request this ‘soft’ search on your behalf for up to twelve months from when you give us authorisation and will continue to request this ‘soft search’ on an ongoing basis whilst you are still using the Credit Service. To enable us to supply you with your credit report and/or credit score (as applicable), you will need to authorise us to submit a subject access request to TransUnion for that information under Article 15 of the General Data Protection Regulation (GDPR) on your behalf. If you use our Score Predictor service, then we will share information with TransUnion so that they can provide the simulated changes to your credit score;
4.1.8 to enable telematics – if you have chosen to have a telematics in-tele-box fitted to your car and/or to download a telematics app to your mobile device, this will collect a wide range of driving information. Our partners may use the telematics data in a number of ways, as defined in their privacy policies or terms and conditions. The police and certain statutory and/or authorised bodies may request information collected via the telematics device/app to help them with road accident investigations and the prevention or detection of crime. Such information may currently only be obtained via an application to the Courts and we will not provide any information to these organisations except when subject to a Court Order or with your consent; and
4.1.9 to enable you to share our content with others, e.g., by using any ‘Email a friend’ or ‘Share this’ functionality on our Sites;
4.2 to communicate with you, including some or all of the following:
4.2.1 sending you information about products and services which we think may be of interest to you. We will only send you this information if you give us your consent for us to do so. We will contact you (depending on your contact preferences) via email, post, telephone, SMS, or by other electronic means such as via social and digital media this may include new product launches, newsletters and opportunities to participate in market research;
4.2.2 sending you a confirmation email of your quote – when you obtain a quote with us, you will automatically be sent confirmation of your quote by email or SMS so that you have a record of it and can easily retrieve your quote in the future;
4.2.3 informing you of your annual renewal quotes – Based on information you previously provided to us (if you have previously obtained a quote) – when our systems indicate that your renewal is due (based on the dates you entered for your most recent quote) we may resubmit your quote details to give you an idea of what your quotes could be for your next renewal. In order to provide this service to you, we may also send that information to our insurance partners so that they can calculate their quotes. When they do this, our insurance partners may carry out ‘soft’ credit checks on you with credit reference agencies, and these checks may be performed ahead of the renewal date. You may see these ‘soft’ credit checks on your credit report but they will have no impact on your credit rating. Please see section 5.2 for more details on soft credit checks;
4.2.4 sending you information about our innovative savings and credit management services– if you have subscribed to any of these services for example:
184.108.40.206 if you have subscribed to our Credit Services, then we will contact you (e.g. through email, push notifications or in-App messaging) to let you know when your eligibility scores, TransUnion credit score and/or credit report (as applicable) have been updated, how you can access our guides on credit scores and credit reports, or notifying you of significant changes to your credit score or report (see section 5 below for further information);
220.127.116.11 if you sign up to receive reminders for our Car Monitor service then we will email you reminders of when your car tax and MOT are due (please see section 7 of our Terms and Conditions for further information and for more information on data accessed by us from the DVLA and the DVSA, please see section 5.1.7);
4.3 to personalise and improve aspects of our Services including:
4.3.1 to improve our recommendations and insights. The information we collect helps us tailor our content and improve our suggestions to you and other users about products or services that may interest you or them. For example, we may undertake analysis and profiling of your credit information when you use our Credit services in order to identify and inform you of products that we consider are likely to interest you or be suited to your credit circumstances. We also use that information to provide you with general insights about your credit health;
4.3.2 to match our data with data from other sources – we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is accurate, consistent and well-organised and in order to continually personalise our Services and make them as easy to use as possible. For example, we may pass your IP address to certain of our third-party partners to facilitate the correct look-up of your street address. We may also match information you provide us with against that collected by a third party to help gather all the information that is required to carry out the Service you have requested (particularly if some of this information may be difficult for you to locate) and to pre-populate some of the information required to carry out the Service for you by providing estimated figures. Personalising our Services to you also helps us ensure that any marketing material that we send you is appropriate to your needs;
4.3.3 to populate our customer insight products which are available to subscribers. We may pass certain insight products to our partners to help them understand customer behaviours and develop their product offerings; and
4.4 for research, such as analysing market trends and customer demographics including:
4.4.1 we may contact you to ask you to assist us with market research by asking you questions about the Services and asking you if you would like to complete a review of the Services. We may sometimes ask market research companies to contact you on our behalf; and
4.4.2 we may use the data relating to your quotes, your personal information, special category data in relation to life insurance quotes and information about the policies and contracts you have taken out to carry out various research and analysis activities to help us review and improve the Sites or our Services. Where you’ve consented, this personal information may include special category data.
5.0 Who is your personal information shared with and by our partners?
When you use any of our Services, we may disclose your personal information to the following parties:
5.1.1 other members of the iCar Finance UK Group in accordance with section 4;
5.1.3 our channel operators – When you use the Services we may share your personal information with our channel operators for them to use it in accordance with section 4 above. Where our channel operators collect your personal information on a channel which is maintained by them, they will be acting as the data controller of your personal information provided in relation to a quote.
5.1.4 our partners including companies whose products or services are included on our Sites:
18.104.22.168 in order to display quotes on the Sites we will send your personal information to our panel of insurance partners. We need to send them your personal information so that they can generate a quote for us to display on the Sites. When these companies use your personal information in this way, they will be acting as data controllers of your personal information which means that they are in charge of how they handle your data and we are not responsible for this;
22.214.171.124 to provide you with our eligibility service, your personal information will be sent to our panel of credit card and loan providers so that we can show you which credit cards or loans that you’re most likely to be accepted for; and
126.96.36.199 on some of our journeys you can apply and purchase our partners’ products on our Sites (for example car insurance). When you purchase a Product on our Sites any contract will be entered into between you and the relevant product provider and so we will pass your personal information to them.
5.1.5 other service providers that we engage to help us provide certain services and/or functionality, such as whether products are suitable for you. These include:
188.8.131.52 our service providers who enable our eligibility checker services (see section 5.2 below for more information)
184.108.40.206 market research agencies who may contact you on our behalf in order to ask you to assist us with our research;
220.127.116.11 our service provider who helps us to provide customer insight products to enable subscribers to develop and improve their products for you; and
5.1.6 the DVLA and DVSA:
18.104.22.168 if you give us your driving licence number when obtaining a motor insurance quote, it may be submitted by us or our partners to the DVLA My Licence service in order to verify the status of your (or any named driver’s) licence and entitlement along with any relevant restriction information, endorsement and/or conviction data. The insurers may carry out the searches themselves or we may perform them and then pass the results to the insurers. These driving licence searches may be made when you first use our Services and subsequently throughout the duration of your insurance policy. These searches will not show on your (or your named driver’s) DVLA driving licence record. Carrying out these searches may help insurers to prevent fraud and reduce the need for insurers to cancel policies for negligent misrepresentation and non-disclosure of important information. For details of the information about you that the DVLA may hold, please see http://www.mylicence.org.uk/.
22.214.171.124 If you run a car insurance journey on our Sites and confirm you have the relevant vehicle we can match your car registration number with public sector information to obtain the dates that your car tax and MOT will need renewing so that we can add these dates to your homepage for you to see next time you log in and, if you sign up to receive them, send your car tax and MOT reminders via email before these fall due. This car tax and MOT information is accessed by us from public sector information under the terms of the Open Government Licence 3.0. iCar Finance UK does not warrant the accuracy of any information relating to your vehicle’s MOT and tax status, and does not accept any liability for any inaccurate information accessed by it in this way.
5.1.7 Where permitted or required by law or regulation, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account in order to comply with legal or regulatory requirements for example:
126.96.36.199 if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
188.8.131.52 if necessary in connection with legal proceedings or potential legal proceedings;
184.108.40.206 in connection with the sale or potential sale of all or part of our business; and/or
220.127.116.11 if we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
5.2 Credit Information Services & Soft Credit Checks
When you use the Services a ‘soft’ credit check may be carried out against your credit report by our service providers for the following purposes:
5.2.1 to enable our eligibility services (see section 5.2.3 below for more information);
5.2.2 to provide you with your credit history including your credit score and credit report when you use the Credit Services (see section 5.2.4 below for more information);
‘Soft’ credit checks are carried out by using credit reference agencies in order to (i) assess your financial and insurance profile; (ii) verify your identity; and/or (iii) to help prevent fraud. The credit reference agencies may keep a record of the search and you may see this recorded against your credit file but these ‘soft’ credit checks have no impact on your credit rating. ‘Soft’ credit checks are visible on your credit report but do not show up in the same way as a ‘hard’ check. Where a ‘soft’ credit check is required for our eligibility checker service or our Credit Services we engage the following service providers:
5.2.4 the following UK credit reference agencies: TransUnion and Experian Ltd (“Experian”) from time to time to enable our eligibility services. If you use our eligibility services, a credit report will be generated by carrying out a ‘soft’ credit check. The ‘soft’ credit checks will be used by providers, to match against those providers’ own lending criteria. This information will be used to let you know your percentage chances of successfully obtaining a loan. Note that your credit report will not be provided to you directly and we will not receive it either unless you use our Credit Services (see paragraph 5.2.4).
5.2.6 We also use TransUnion’s services as part of our identity verification procedures. Please see their separate Bureau Privacy Notice for more information about this.
5.3. How do our partners use your personal information and who might they share it with?
In order to provide you with a quote, our partners may exchange information about you with other companies and/or carry out checks with various databases. Our partners act as data controllers in respect of this use of personal information and we are not responsible for it. We have set out below some of the common ways they will share your information:
5.3.1. Some of our partners will use your personal information to assess your circumstances (including information about any third party who is named on the policy) and verify the information that you have provided before providing a quote to you;
5.3.2. Some partners may carry out checks with fraud prevention and credit reference agencies, both when you first run your quote and when we run an annual renewal quote. Insurers generally run these checks to ensure that they and credit partners have the necessary facts to assess your insurance risk, verify your identity, help prevent fraud and to provide you with their best premium and payment options). If partners do these checks, they will be quotation searches only and do not show up on your credit report in the same way that a ‘hard’ check does, but will be visible to other organisations. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way;
5.3.3 Some partners may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with insurers in order to determine your premium;
5.3.4 Our partners may also exchange data with certain industry databases such as the No Claims Discount Database, the Motor Insurance Anti-Fraud and Theft Register, the Claims and Underwriting Exchange (which holds records of incidents reported to insurers that may or may not have resulted in a claim) and the Hunter Database (a central insurance and claims checking system). If our partners carry out these searches, a record of the search will appear on your credit report;
5.3.5 Some of our partners may also check public and private higher education sources to obtain information about your educational background; and
5.3.6 Our partners may also share information with insurance underwriters. These checks are not unique to users of our Services – they may also be carried out if you obtain quotes from other sources.
This information exchange allows our partners to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent claims. Our partners may also use the data relating to your quotes and your personal information to create and improve the products and services they offer and to develop and improve their processes, credit risk systems and policies, so they can better meet the needs of their customers.
6.0 Legal grounds for processing your personal information?
6.1 Performance of a contract – In order to provide you with the Services and manage your account we will: (i) search the websites of our partners to get you the best quotes and/or access information required to provide you with the relevant Service from our third party partners (as described herein for the relevant Service); (ii) process any transaction between you and a third party; and (iii) manage, run and administer your account. When we do this we are processing your personal information because it is necessary to perform the contract that we have in place with you to provide you with our Services.
6.2 Consent – We will only send you certain marketing emails or alerts if you have confirmed that you are happy to receive this material. Where we have asked for your consent, we will only collect and process your personal information if you have given your consent for us to do so.
6.3 Legitimate Interests – We may use and process some of your personal information where we have sensible and legitimate business grounds for doing so. Under European privacy laws there is a concept of “legitimate interests” as a justification for processing your personal information. Our legitimate interests for processing your personal information are:
6.3.1 to communicate with you about the Services. We need to keep you informed about your use of the Services for example:
- informing you of your insurance renewal quotes (see section 4.2.3 for further information on these services);
- if you have logged into our Site or created an account (including through our Apps) and run a car insurance enquiry with us and you confirm that you have the relevant vehicle, we will show you when your car tax, MOT or insurance are due for renewal next time you log in and visit your homepage (see section 7 of our Terms and Conditions for further information on these services);
- if you have logged into our Site or created an account (including through our Apps) and run an energy enquiry with us, keeping you informed of energy deals available on the market through a range of suppliers and informing you of the progress of your application to switch energy supplier (see section 9 of our Terms and Conditions for further information on these services); and
6.3.2 to personalise and improve our Services for example, we may use your personal information to personalise aspects of our service, including to inform you about products and services we think may be of interest to you (this will not include sending you marketing communications unless you have given us consent to receive these); and to allow you to use our eligibility checker services. We constantly aim to improve our Services to you and using your personal information in this way helps us to do this; and
6.3.3 for market research and analysis (see section 4.3.3 for further information about our customer insight products which are available to subscribers). This helps us to regularly review and improve the products and services we or our partners provide. Where possible data that we use/provide in this way will be in an anonymised format.
You have the right to object to our use of your personal information for these legitimate interests. If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we are continuing to process your personal information. Please contact our Data Team at email@example.com if you wish to exercise this right.
7.0 What cookies do we use?
A cookie is a very small text file placed on your computer or device. Cookies help us to:
7.1 understand browsing habits on the Sites;
7.2 understand the number of visitors to the Sites and the pages visited; and
7.3 remember you when you return to the Sites so we can provide you with access to previously saved quotes.
8.0 What advertisements do we show on our Sites and what online advertising do we use?
8.1 Advertisements on our Site – The advertisements that you see displayed on our Sites are delivered on our behalf by certain third party advertising companies. No information which directly identifies you, for example your name, address, email address or telephone number, is used to provide this advertising. In order to display advertising most likely to be relevant to you, these third party advertisers may place or recognize a unique cookie on your browser. This cookie does not collect personal information about you nor is it linked to any identifiable information about you. It is possible to block cookies by adjusting your browser settings. By using the Services you are consenting to the use of these third party cookies for these purposes.
The Sites have also implemented and use Display Advertising using Google Analytics which permits advertisements and remarketing to be served on third party websites across the internet relating to a search made on any of the Sites. The Sites and third parties, including Google, use first party cookies and third party cookies to inform, optimise and serve such advertisements. You can opt out of, or customise, these advertisements using the Google Ads Preferences Manager.
8.2 Online Advertisements – If you consent to us contacting you for marketing purposes, we may disclose an anonymised version of your personal information such as your name and email address (we use a process called hashing which means that the third party does not receive a plain text version of your personal information to protect your details) to third party providers such as Facebook and Google to enable us to display marketing to you via such sites.
9.0 How secure is our site and what steps do we take to keep you safe?
Your personal information’s security is very important to us. This is why, where it’s appropriate, our Sites use HTTPS to help keep information about you secure. However, no data transmission over the internet can be guaranteed to be totally secure. Certain information, for example, your credit card details, is encrypted to minimise the risk of interception during transit.
You may complete a registration process when you sign up to use parts of the Sites. This may include the creation of a username, password and/or other identification information. Any such details should be kept confidential by you and should not be disclosed to or shared with anyone. Where you do disclose any of these details, you are solely responsible for all activities undertaken on the Sites where they are used. To protect your account, we ask you to choose a strong password to access your information on our Sites. A strong password should be lengthy and include a mixture of letters and numbers. Your password can only be reset with access to the email address registered in our system.
It might sometimes be necessary for us or our suppliers to transfer your personal information outside of the European Economic Area (EEA) to locations that may not provide the same level of protection as UK data protection laws. However, we will only transfer your personal information out of the EEA if we have put in place appropriate safeguards and protections as stated under UK law for example by the use of a data-transfer agreement incorporating certain standard model protection clauses which have been approved by the European Commission, or if we send to the US pursuant to the Privacy Shield.
10.0 How can you amend your preferences?
Any electronic marketing or communications from iCar Finance UK we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time. You may also amend your marketing preferences by accessing your personal details by emailing us at firstname.lastname@example.org
Should you no longer wish to be contacted by us, you can advise us at any time by contacting our Customer Services team by sending an email to email@example.com
If you no longer wish to be contacted by providers for marketing purposes, please follow the instructions in their marketing communications, or consult their privacy policies for further information about unsubscribing.
If you would like us to stop processing your personal data with respect to any of the services we are providing to you, please email us at firstname.lastname@example.org, specifying that you no longer wish us to provide you with the relevant service or to process your personal information as part of such service.
11.0 Your personal information rights and how to contact us?
You have certain rights under data protection legislation in relation to the personal information that we hold on you including:
11.1 Right to access: the right to a copy of the personal information we hold about you. We’ll ask you to describe the information you require, as well as letting us know about any other email addresses you’ve used on our Sites, to enable us to trace your personal information. Depending on the nature of your request, we may also ask you for your full name, your date of birth and your full address and documents to allow us to verify your identity. Requests for copies of your personal information will be dealt with within one month, unless your request is complicated or if you have made a large number of requests. In these circumstances it may take us longer to deal with your request, in which case we will let you know if we need longer than one month to respond;
11.2 Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete. Requests for us to correct your personal information will be dealt with within one month, unless your request is complicated or if you have made a large number of requests. In these circumstances it may take us longer to dealt with your request, in which case we will let you know if we need longer than one month to respond. If we believe that your personal information is accurate, we will let you know that that we will not be amending your personal information and why;
11.3 Right to erasure and to restrict our use of your information: the right to request that we delete or remove your personal information from our systems. Data protection laws give exceptions to this right which, if applicable, we will explain in our response to you;
11.4 Right to restrict our use of your information: In some circumstances you can ‘block’ us from using your personal information or limit the way in which we can use it;
11.5 Right to data portability: the right to request that we move, copy or transfer your personal information;
11.6 Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests or where we use your personal information to carry out profiling to inform our market research and customer demographics. If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we’re continuing to process your personal information.
If you are not satisfied with the way any complaint you make in relation to your personal information is handled by us then you may be able to refer your complaint to the relevant data protection regulator which in the UK is the Information Commissioner’s Office.
12.0 How do we keep your personal information?
Generally, you can expect us to keep your personal information while you use the Sites or if you have an active account with us. Where you have applied for or purchased products or services via the Sites, we will need to keep your personal information for longer for accounting purposes – up to six (6) years following the date on which it is provided to us.
If, having registered for any of our Services, you do not use them for a reasonable time (which may vary depending on the Service(s) you’ve registered for) we may contact you to ensure you’re still happy to receive communications from us.
If one of our partners processes your data in order to provide you with a quote they will be acting as data controller but they should only hold that data for so long as is reasonable in relation to providing you with that quote.
Even if you delete or ask us to delete your personal information it may persist on backup or archival media for legal, tax or regulatory purposes.
Last updated 16th July 2021