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Fresh Cash Privacy payday no credit check payday credit credit loan payday. UK banking sector shares were mixed in mid-morning trading on Tuesday, following sharp falls on Monday...Privacy Policy
This is the privacy statement of Activ8 Money Ltd. We understand that your privacy is extremely important to you. Our policy is designed to help you understand how we collect, use and safeguard your personal information when you use our website or apply for any of our products and/or services. We have put in place a number of measures to ensure that the personal information we obtain from you is maintained and processed in accordance with the requirements of the Data Protection Act 1998. Our practices and policies are constantly updated and assessed against new technologies, business practices and customer needs.
Included in this statement is the type of data we may hold about you, how we may obtain additional information in order to assess your application, and the mechanisms for retaining and managing that information to ensure that your privacy is protected.
We collect and may hold your personal details you provide together with information collected as a result of your interaction with this website. We make our lending decision based on this information and other information collected by other selected third parties including credit reference and Fraud Prevention agencies and banking institutions
The Type of Personal Information Gathered
Our ultimate objective in collecting information about you is to provide you with an accurate tailor made lending decisions/transaction. We obtain information from our customer help improve our customers experience at our website and enable us to develop new products and procedures.
Information automatically collected and/or tracked as a result of you visiting and interacting with our website includes:
- IP Addresses, Home Servers, web page http, domain names, type of client's computer and web browser type used;
- Information provided by you through on-line forms, survey registration forms/surveys, sensitive personal information, and personal or financial demographic email addresses home addresses telephone numbers;
- User specific, information or grouped on the pages selected and visited also length of time spent on the website;
- Information gathered automatically: You do not have to provide any personal information when you browse our website, however we will collect and record electronically which pages you viewed so that we may gather statistical information for internal purposes and to assist us in developing, new products and services and ensuring our customers' experience a good level of service;
- For example Website Use information similar to other commercial Websites, our Website utilises a standard technology called "Cookies" and web server log files to collect information about how our Website is used. Information gathered through cookies and Web server logs may include the date and time of visits, pages viewed, time spent at our Website and the Websites vested just before and after our Website. This enables us to provide a personalised convenient service by recording your preferences;
- Information relating to your transaction with us and others such as loan balances repayment history and other information you provide when you contact us.
In considering whether to enter into this agreement we will search your record at credit reference and fraud prevention agencies. They will add to their records about you, details of our search and your application and this will be seen by other organisations that make searches.
Use of Sole Application Records and Associated Records
For the purposes of accessing your credit file you request that your application assessed without reference to any 'associated' records, although you recognise that this may adversely affect the outcome of your application. You confirm that you believe that there is no information relating to your partner(s) that is likely to affect our willingness to offer financial services to you. You authorise us to check the validity of this declaration with credit reference agencies and if we discover any associated records which would affect the accuracy of this declaration with credit reference agencies and if we discover any associated records which would affect the accuracy of this declaration we may decide not to proceed with you application of this basis. Therefore your application will be considered on the basis of a Sole Applications, therefore you and your partner(s) and/or associates are considered financially independent Information held about you by the Credit Reference Agencies may already be linked to records relating to your partner(s) or associates.
We may use a credit scoring or other automated process to assist us in making our lending decision.
We may add to your record with credit reference and fraud prevention agencies. We may inform credit reference agencies detail of your agreement with us, any payment you, and the date we receive payment under this agreement. In the event that you default in repaying the debt or fail to keep to the terms of our agreement we may also inform those agencies.
Your records may be shared with other organisations and may be used and searched by them and us to:
- Consider future applications for credit, credit related services, insurance, payday loans for you;
- Trace debtors, recover debt, and prevent money laundering and fraud, to manage your accounts;
- Check details of your employment, Addresses and Employer;
It is important that you provide us with accurate information. We may check your details with fraud prevention agencies and if you provide inaccurate information or we suspect fraud this information may be recorded.
Activ8 Money and credit reference agency[ies] and fraud prevention agencies will also use the records for statistical analysis about credit and about fraud. Activ8 Money may use information about you to carry out market research. If we transfer, charge or assign your agreement to a third party or if we employ a third party to manage any aspect of your account we will pass on relevant information about you to them.
Please telephone Activ8 Money on 02476 214463 or write to us at Activ8 Money Ltd Number 3 Siskin Drive, Middlemarch Business Park, Coventry. Wawickshire CV3 4FJ if you want to have details of those credit reference and fraud prevention agency[ies] from whom we obtain and to whom we pass information about you. You have a legal right to these details.
We may use your personal information to:
- Process your loan application and manage any agreement you have with us;
- Send you details of our products and services, including details of any special promotion, we may also transfer your details to any carefully selected service provider for the purpose of providing you with details of their products and services;
- Monitor or record any telephone calls we have with you or about your application or agreement for the purpose of training and ensuring we maintain consistently a high service standard or detect or prevent fraud or misuse;
- Transfer to other for the purpose of processing your application or management of your agreement, including tracing and debt recovery purposes;
- Communicate with your employer/and or your bank in relation to any aspects of your arrangements with us;
- Disclose your information to any relevant regulatory or statutory body;
- We may act as brokers as well as direct lenders, our products and services could sometimes be provided in conjunction with our business partners. It could therefore be necessary to disclose your information to them to provide you with the product/and or services you require;
- We may sell your data (or otherwise pass it on) to carefully selected third parties who may use it to make contact you in relation to their offers that you expressed an interest in when registering on our site. If you prefer that we do not pass your details on to third parties for marketing purposes, please ensure that you tick the relevant boxes on the application form on which we collect your data (the registration form). Unless you have given your consent, we do not disclose information about identifiable individuals to our advertisers.
Method of Contact
You understand and agree that we and any other of our carefully selected third parties may contact you via email, phone, fax, and letter to discuss product offerings.
Marketing and Your Rights to Opt-Out
By visiting our website you understand and agree we may contact you on the phone number or email address you enter on your loan application or any email you send to us. Further you understand and agree that we may contact you by phone email and letter to assist you with your loan or to discuss other financial products and services provided by Activ8 Money Ltd. You have the right to opt-out of receivership these marketing communications from us by not submitting your personal data by selecting un-subscribe on any email you receive from us or by logging on to your customer account and editing you contact preferences. We will process your request within a reasonable time-frame. However we reserve the right to authenticate your identity when we receive such a request.
Your Consent and Accessing Rights
You have the right to access your personal records or other information that Activ8 Money holds about you. The charge for this is £10 for each request.
If the data or information we hold about you is inaccurate or out of date then please let us know by and this will be corrected immediately.
Your Personal Data can be deleted from our databases. Please note that this will not delete information held about you on other third parties databases or information, which we are required to hold for legal or regulatory purposes.
Please telephone Activ8 Money on 02476 214463 or write to us at Activ8 Money Ltd Number 3 Siskin Drive, Middlemarch Business Park, Coventry. Wawickshire CV3 4FJ
We Protect your personal Data
Security is a key cornerstone of Activ8 Money's policy, we protect your identify and personal information by employing measures to maintain your confidential information. Detailed below are a few of the specific measures we take:
- Your Personal Data is encrypted and stored in a restricted access format;
- We strive to protect your Personal Data during transmission by using Secure Socket Layers SSL software, encrypting the Personal Data you input;
- We use employ the use of captures that require the user to identify series of alphanumerics to provide additional security;
- User passwords are required when logging into your account; please do not pass those details to any other person;
- Our network related equipment (switches, routers, firewall etc.) are secured with passwords and access is limited to authorized network engineers;
- Customer service support staff has restricted access to your personal information for example they never have access to you debit card or full access to your bank details we only allow partial access for verification purposes only;
- Debit Card information is not recorded on our system;
- We transmit data in an encrypted format.
It is important for you to protect against unauthorised access to your user ID and password please log out at the end of every session.
How long will you keep a record of My Personal Details
The length of time we keep you personal information will depend on the basis on which it was provided, as a general rule however:
- We will keep the information that is necessary to enable us to provide you with the service you requested through this website for as long as it takes to provide you with that service;
- Contact details will be kept as long as we have your consent retain them and will send you marketing information and pass your details to our carefully selected third parties;
- Any transaction records of you entering into this website will be retained for a minimum of six years. This enables us to respond to any disputes or complaints that may arise in that period;
- Any Information will be retained as required by statutory or by regulatory authorities.
What does this Privacy Policy Not Cover
This privacy policy does not apply to other companies' people, employee's agents or representatives, who are not owned, control or managed by Activ8 Money Ltd. Our privacy policy does not extend to third parties who we may refer your details too; however we ensure that those we pass your details too, in the UK, have a data protection licence.
Third Party Websites
Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites are managed under their own terms and conditions, as well a having their own privacy policies, we do not accept any responsibility or liability for these sites and their terms and conditions and policies.
Where We Store Your Personal Data
The data that we collect from you may be transferred to, stored at and processed at a destination outside the European Economic Area ("EEA"), including the USA. By submitting your personal data, you agree to this transfer, storage and processing. The laws on holding personal data in the United States may be less stringent than the laws applicable to the UK but Activ8 Money will hold and transmit your information in a safe, secure and confidential environment.
Privacy Policy Changes
Activ8 Money may without notice change or amend this privacy policy, we will note on the Activ8 Money website that the policy was last updated on 11th June 2008.
In the event of any query please contact us
Activ8 Money
Compliance Officer
Number 3 Siskin Drive
Middlemarch Business Park
Coventry Warwickshire CV3 4FJ
Email: Activ8Me@activ8money.co.uk
