1. INFORMATION WE MAY COLLECT FROM YOU
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| 1.1 |
We may collect and process the following data about you: |
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1.1.1 |
Information that you may provide by filling in the forms on www.cashchoiceuk.co.uk (our Site). This includes information provided at the time when you request a quote, or complete the loan application form on our Site, or request further services. |
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1.1.2 |
Correspondence, or a record of it if you should contact us. |
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1.1.3 |
Surveys that we use for research purposes, which we have asked you to complete. |
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1.1.4 |
Details of your visits to our Site and the resources that you access. |
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1.1.5 |
Information from third parties in respect of you which may include your employer, a referee or a person residing or working from another country. |
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2. WHERE WE STORE YOUR PERSONAL DATA
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| 2.1 |
All information you provide to us is, as far as reasonably practicable, is stored on our secure servers. Any financial information, such as credit/debit card numbers will be encrypted. We ask you not to permit anyone to use your name. |
| 2.2 |
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Site; any transmission is at your own risk. |
| 2.3 |
We will retain your information securely stored for a reasonable period or for as long as the law requires. |
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3. WHEN YOU APPLY TO US TO OPEN AN ACCOUNT
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| 3.1 |
When you apply to open an account with Cash Choice we will check our records for information on: |
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3.1.1 |
Your personal accounts; |
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3.1.2 |
Your financial associates* (if you have one)' personal accounts; and |
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3.1.3 |
if you are an owner, director or partner in a small business** we may also check on your business accounts. |
| 3.2 |
Cash Choice will also search at credit reference agencies for information on: |
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3.2.1 |
Your personal accounts; and |
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3.2.2 |
If you are making a joint application now or have previously made joint applications, have a joint account or are financially linked then we will check your financial associates' personal account as well. |
| 3.3 |
Cash Choice will also search at fraud prevention agencies for information on you and any addresses at which you have lived and that of your business (if you have one). |
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4. HOW WE USE YOUR INFORMATION
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| 4.1 |
Cash Choice collects and processes your data in order to provide you with short term loan services. |
| 4.2 |
We will store and process your information on our computers and in any other way we consider appropriate. |
| 4.3 |
We use information held about you in the following ways: |
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4.3.1 |
to process your application; |
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4.3.2 |
assess your credit worthiness; |
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4.3.3 |
verify your identity and the identity of your spouse, partner or other directors/partners; |
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4.3.4 |
we may use scoring methods to assess this application and to verify your identity; |
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4.3.5 |
manage your account and make collections; |
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4.3.6 |
to develop, improve and update our products; |
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4.3.7 |
for statistical analysis |
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4.3.8 |
to notify you about changes to our service; |
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4.3.9 |
to provide you with, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you, and we or they may contact you about these by post, telephone, email, SMS or other reasonable method; |
| 4.4 |
Law enforcement agencies may access and use this information. |
| 4.5 |
We and other organisations may also access and use this information to prevent fraud and money laundering. |
| 4.6 |
If you are making a joint application or tell us that you have a spouse or financial associate we will: |
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4.6.1 |
Link any individual identified as your financial associate, in our own records |
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4.6.2 |
Take both your and their information into account in future applications by either or both of you. |
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4.6.3 |
Continue this linking until the account closes, or is changed to a sole account and one of you notifies us that you are no longer linked. |
| 4.7 |
You may opt-out of receiving these marketing communications from us by ticking the appropriate box on the loan application form on our Site, at any time by responding to any of our email communications with "remove" in the subject line, by sending us an email to info@cashchoiceuk.co.uk or by contacting us at Cash Choice UK Limited, Suite 701, Lowry House,
17 Marble Street,
Manchester, England M3 2AW . We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry. |
| 4.8 |
Any information or statistics relating to our business that we disclose to others shall not identify you personally. |
| 4.9 |
Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Act. |
| 4.10 |
We are part of a US group of companies and may transfer your data outside the EEA. Our affiliated companies in the US are signatories to the US Safe Harbor Scheme which provides for the safe transfer personal data from the EEA to the US in compliance with the EU data protection laws. |
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5. DISCLOSURE OF YOUR INFORMATION
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| 5.1 |
We may disclose your personal information to third parties: |
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5.1.1 |
To process your loan application, or any of the services you have requested. |
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5.1.2 |
To prepare or send any communications to you, or to assist us in connection with any of our administrative or business functions, or in the provision of any of our services to you. |
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5.1.3 |
If Cash Choice or substantially all of its assets, are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets. |
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5.1.4 |
If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Website Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of Cash Choice, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction. |
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6. IP ADDRESSES AND COOKIES
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| 6.1 |
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual. |
| 6.2 |
When you visit our Site we issue a 'cookie' or unique code that allows us to identify your computer. We use the cookie to record where applicable, the website that referred you to our site and to note the different areas of our website recently accessed through your computer. The cookie is only used in relation to our website and not in relation to any other websites you may visit. We may use the information collected in this way to tell you about services or products which might be of interest to you when you make further visits to our Site. |
| 6.3 |
We might also use web tools to collect information about your browsing activities whilst on our Site. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purposes. |
| 6.4 |
Some of our advertisers may also use cookies or web tools that are set by other people such as advertising agencies, or the businesses to which the advertisements in question relate. We do not have access to any information that might be collected in this way, and, if you are concerned, you should contact the advertiser for more information. |
| 6.5 |
You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our Site. |
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7. YOUR RIGHTS
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| 7.1 |
Our site may, from time to time, contain links to and from the websites of our advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites. |
| 7.2 |
You have the right to access information held about you. Your right of access can be exercised in accordance with the Act by writing to us at info@cashchoiceuk.co.uk or Cash Choice UK Limited, Suite 701, Lowry House,
17 Marble Street,
Manchester, England M3 2AW . Any access request may be subject to a small statutory fee to meet our costs in providing you with details of the information we hold about you. |
| 7.3 |
Calls between us may be recorded and/or monitored. |
| 7.4 |
We may give information about you and how you manage your account to the following: |
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7.4.1 |
People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential. If they are located in another country we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us; |
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7.4.2 |
Anyone to whom we transfer or may transfer our rights and duties under this agreement; |
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7.4.3 |
We may also give out information about you if we have a duty to do so or if the law allows us to do so.
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8. CHANGES TO OUR PRIVACY POLICY
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| 8.1 |
Any changes we may make to our privacy policy in the future will be posted on this page. |
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9. CONTACT
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Questions, comments and requests regarding this privacy policy are welcomed at info@cashchoiceuk.co.uk or Cash Choice UK Limited Suite 701, Lowry House,
17 Marble Street,
Manchester, England M3 2AW.
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| * |
A financial associate will be someone with whom you have a personal relationship that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It is not intended to include temporary arrangements such as students or rented flat sharers or business relationships. |
| ** |
A small business is defined as an organisation which might be sole trader, partnership or a limited company that has three or less partners or directors.
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IMPORTANT - YOUR PERSONAL INFORMATION
We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the section below called: "A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies".
By confirming your agreement to proceed you are accepting that we may each use your information in this way. |
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A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies |
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| 1. |
When you apply to us to open an account, this organisation will check the following records about you and others (see 2 below): |
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Our own; |
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those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. |
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those at fraud prevention agencies (FPAs). |
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We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.
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| 2. |
If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. |
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Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. |
| 4. |
If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention. |
| 5. |
If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts. |
| 6. |
Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. |
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| HOW TO FIND OUT MORE |
| This is a condensed version and if you would like to read the full details of how your data may be used please click here |
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| You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee . |
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| CallCredit: Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414 |
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| Equifax PLC: Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk |
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| Experian: Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk. |
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| Teletrack UK Limited: Customer Service PO Box 9424, Nottingham, NG9 9DS |