PRIVACY POLICY
The web site is operated by GB Consumer Finance Ltd (registered number 06709981) whose registered address is GB Consumer Finance Ltd, St John’s Chambers, Love Street, Chester, CH1 1QN (“We”) are committed to preserving and respecting the privacy of all visitors to our website/s.
This policy (together with our website terms and conditions of use and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be used by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the Data Protection Act 1998 (the Act), we, GB Consumer Finance Ltd, a company incorporated in England and Wales with Company No registered number 06709981) whose registered address is GB Consumer Finance Ltd, St John’s Chambers, Love Street, Chester, CH1 1QN , are the data controller. Our data protection register entry is PZ1498441.
Privacy and data protection
This privacy policy only applies to the collection of your personal information by us and those we authorise. It does not cover any third party websites to which we may provide links from time to time. Third party websites may have their own privacy policies and/or terms and conditions of use. We do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Information we collect
We may collect and use the following data about you:
· information about your visits to our website and which pages on our website are accessed and when
· information volunteered by you, such as your contact details and other details provided by you on loan applications
· if you contact us or post materials, we may keep a record of that correspondence
· details of transactions you carry out through our website and of the fulfilment of your orders
· decisions made by lenders as to whether or not to approve your loan application and if not, why not
How we use your information We use information held about you for the following purposes:
· to administer our business activities, including to carry out our obligations arising from any contracts entered into between you and us
· to provide information, products and services you request
· to process payments
· to monitor the use of our website and service
· to improve our content and service offerings, and customise our website's content, layout and services. These uses improve our website and better tailor it to meet your needs
· to notify you about important changes to our website, new services, and special offers we think you will find valuable, where you have consented to be contacted for such purposes. You may notify us at any time if you no longer wish to receive details of special offers by emailing us at admin@gbcf.com – change email
· to make or allow others to make lending decisions and for the purposes of identity verification, credit checking, fraud prevention and debt collection,
· to service our relationship with you, to understand your financial needs, to evaluate the effectiveness of our marketing of our website and for statistical analysis
We may also use your data, 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 or telephone.
If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you.
If you are a new customer, and where we permit selected third parties to use your data we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data.
We may provide third parties such as advertisers with aggregate information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target.
Where we store your personal data
The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
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 website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
How we use IP addresses and cookies 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.
We also use cookies along with web analytic tools to see how our website is used and help us to improve our website and to provide a better and more personalised service. Cookies are pieces of data created when you visit a website and are stored in the cookies directory of your computer. The use of cookies does not give us access to your computer and they cannot be used to identify an individual user.
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 website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our website.
Disclosure of your information
We may disclose your personal information to prospective lenders for them to consider whether to make a loan to you. They may perform searches with credit reference agencies and fraud prevention agencies. If false or inaccurate information is provided, including in relation to a person’s identity and fraud is identified, details about this information including customer personal data will be kept and may be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information. Lenders and other organisations may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; tracing and recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees for identification purposes.
Lenders and other organisations may access and use the information recorded by fraud prevention agencies from other countries. For further information about the relevant fraud prevention agencies please contact us at admin@gbcf.com
We may also disclose your personal information to third parties:
· if we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
· if GB Consumer Finance Ltd 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
· 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 terms of use and other agreements; or to protect the rights, property, or safety of GB Consumer Finance Ltd , our customers, or others.
This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
Your rights
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at admin@gbcf.com. By unsubscribing from our service you are simply opting out of receiving offers from ourselves and not from receiving marketing messages from third party marketing companies.
Access to information
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
Changes to our privacy policy
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.
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