PayItMonthly understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, payitmonthly.uk (“Our Site”) and as described in Parts 5 and 6, below, we do not collect personal data about you unless you register on our site, apply for a credit agreement, fill out a form or enter information on our site or contact us. Any personal data we do collect will only be used as permitted by law.
1. Information About Us
Our Site is owned and operated by PayItMonthly Limited, a limited liability company registered in England under company number 09719909.
Registered address: Gainsborough House, 42 Bath Road, Cheltenham, GL53 7HW.
VAT number: 227 9378 70.
2. What Does This Policy Cover?
3. What is Personal Data?
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
4. What Are My Rights?
Under the GDPR, you have the following rights, which we will always work to uphold:
b) The right to access the personal data we hold about you. Part 9 will tell you how to do this.
c) The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 10 to find out more.
d) The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we have. Please contact us using the details in Part 10 to find out more.
e) The right to restrict (i.e. prevent) the processing of your personal data.
f) The right to object to us using your personal data for a particular purpose or purposes.
g) The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
h) Rights relating to automated decision-making and profiling.
For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 10.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice.
If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.
5. What Personal Data Do You Collect?
The personal data we collect from you when you apply for a credit agreement will include, inter alia, your personal details, employment information, details of your income and expenditure and your bank account details. We may receive further personal data from you via subsequent contact pertinent to any credit agreement you enter into. All this data is required by us in order to enable us to enter a credit agreement with you or for us to manage it after it has been set up.
As well as data you enter into our system or that we receive from a Credit Reference Agency we may also store personal data we collect from you and which you choose to give us from phone calls, emails or other forms of communication.
Subject to the above, we do not collect any personal data from you nor do we use any other means of data collection.
As with any provider of loans to individuals, we are subject to legal, regulatory and professional obligations to demonstrate that our services are provided in compliance with those obligations and those records contain personal data.
6. How Do You Use My Personal Data and How Long Do You Keep It?
If we do collect any personal data, it will be processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with our obligations and safeguard your rights under the GDPR at all
times. For more details on security see Part 7, below.
You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it. This does not apply to data in respect of which your consent is not required or implied by virtue of your application for a credit agreement.
We retain the personal data processed by us for as long as is considered necessary for the purpose it was collected. In many cases, this is set by legal, regulatory and professional obligations. These have a variety of required retention timescales and, in order to adhere to these, most data will be kept for up to seven years.
Personal data acquired not through an application for a credit agreement will not be destroyed within a set time period, but you can opt out of communication at any point by letting us know that you want to be removed from our lists.
7. How and Where Do You Store My Data?
We may store some or all of your personal data in countries that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). These are known as “third countries” and may not have data protection laws that are as strong as those in the UK and/or the EEA. This means that we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR as follows.
We store your data with external third parties, as detailed below in Part 8, that are based outside of the EEA. The following safeguards are applied:
We will only transfer your personal data to countries that the European Commission has deemed to provide an adequate level of personal data protection. More information is available from the European Commission.
Where we transfer your data to a third party based in the US, this may be protected if they are part of the EU-US Privacy Shield. This requires that third party to provide data protection to standards similar to those in Europe. More information is available from the European Commission.
Please contact us using the details below in Part 10 for further information about the particular data protection mechanism used by us when transferring your personal data to a third country.
Personal data security is essential to us, and to protect personal data, we take the following measures:
- We regularly review our data protection policies.
- We regularly train our staff in all aspects of data protection.
8. Do You Share My Personal Data?
Your personal data may be shared with the service partner you are purchasing goods and or services from in connection with a credit agreement you have made.
We work with service providers who have access to personal data when they provide us with services, like technical infrastructure, web and app development, marketing, analytics and survey tools. We impose strict restrictions on how service providers store, use and share data on our behalf. We also work with companies who provide identity verification, background screening, due diligence, consulting and other regulatory services for us.
We share data with credit reference agencies (CRAs) to carry out credit checks and record details of your repayment history. The CRA’s have drafted a notice called ‘Credit Reference Agency Information Notice’ (CRAIN) which sets out how your data will be processed. Please go to Equifax, TransUnion or Experian to read the notice in full.
The credit reference agencies we normally use are:
Equifax Ltd, Customer Services Centre, PO Box 10036, Leicester LE3 4FS
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG1 5GX
TransUnion, 1 Park Land, Leeds, LS3 1EP
If any of your personal data is transferred to a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 7.
If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 7.
In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.
9. How Can I Access My Personal Data?
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.
All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 10.
There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.
We will respond to your subject access request within one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.
10. How Do I Contact You?
To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details: Email address: firstname.lastname@example.org.
Telephone number: 0333 212 3914.
Postal Address: Gainsborough House, 42 Bath Road, Cheltenham, GL53 7HW.
We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.