Privacy Policy
Allpaydaylenders.com is a data controller which means we have a responsibility to decide how and when your data is used and to ensure it is used correctly in all situations and display personalised ads.
Our partner, Google, will use your personal data. When giving your consent to use cookies, you agree to Google’s Privacy & Terms site.
We put our customer privacy at the heart of everything we do and we hope that our Privacy Policy described below is easy to understand and clear to you. We reserve the right to modify and update this Policy at any time without notice. When and if we do update the Policy we will publish it on our websites so you should check the Policy whenever you intend to send us information about yourself.
Our Privacy Policy applies to all our customers. For further details of our processing of your information, please ensure that you read and understand your loan conditions that form part of the registration process.
Your data
Your data
1. All data (personal
information) submitted to allpaydaylenders.com on our website by you is taken
to be accurate and correct. By agreeing to our terms and conditions and privacy
policy you are also agreeing not to use other people’s data. If we suspect a
possible fraud or false identity, we may pass information to fraud prevention
agencies or the police. We may check details with fraud prevention agencies and
if you provide false or inaccurate information or we suspect fraud, this
information may be recorded. Fraud prevention agency records will be shared
with other organisations to help make decisions on your credit, motor,
household, life and other insurance proposals or claims.
2. How we use your information
2.1. We use information held
about you in the following ways:
2.1.1. to process and submit
your Application Form ourselves or to:
- credit brokers
- lenders
- credit reference and fraud
monitoring agencies
- alternative lenders, peer to
peer lenders, guarantor lenders, logbook loan lenders and Bybax
- third party marketing
providers of financial service products
- third party marketing providers
of credit reports
- third party marketing
providers of lottery products
2.1.2. to provide you with the
best possible service;
2.1.3. to notify you about
changes to our products and services.
2.2. In addition to the above,
we may disclose your personal information to third parties:
2.2.1. 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;
2.2.2. if the Company 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;
2.2.3.
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 the Company, our customers, or others. This includes
exchanging information with other companies and organisations for the purposes
of fraud protection and credit risk reduction.
2.3. It is sometimes necessary
the Company to transfer information held about you to lenders based outside of
the European Economic Area. The Eighth Data Protection Principle of the Act
restricts the transfer of personal data to a country outside the European
Economic Area unless that country or territory ensures an adequate level of
protection for the rights and freedoms of data subjects. By submitting your
Application Form you consent to this transfer. You may withdraw your consent at
a later date by emailing us at allpaydaylenders@gmail.com
2.4. We and the third party
lenders and other carefully selected partners to whom you agree we may send
your data may also use it for marketing purposes to provide you with data about
goods and services which may be of interest to you, and we may contact you
about these by post, telephone, SMS and E-mail.
2.5. When you submit an
Application Form you will be required to consent to the passing of your
information to third parties who may use it to assess your creditworthiness and
contact you directly in respect of your application for credit or for marketing
purposes. If you do not wish to receive communications from our Advertising
Partners offering goods or services which may be of interest to you, then do
not submit an Application Form via the Sites.
2.6. If you wish to opt-out of
receipt of marketing communications from us at any time you may do so by emailing us at allpaydaylenders@gmail.com
2.7. If you opt-out of our use
of your data for marketing purposes, we will honour such choice once we have
had a reasonable opportunity to process your request. We reserve the right to
take reasonable steps to authenticate your identity with respect to any such
request or other enquiry.
2.8. From time to time our
Sites request information from user via surveys or contests. Participation in
these surveys or contests is completely voluntary and the user therefore has a
choice whether or not to disclose this information. Information requested may
include contact information (such as name or address) and demographic
information (such as age and gender). Contact information will be used to
notify the winners and award prizes. Survey information will be used for the
purpose of monitoring or improving the use and satisfaction of the Sites.
2.9. Any information or
statistics relating to our business that we disclose to others shall not
identify you personally. We may, for example, perform statistical analysis of
the behaviour of the users of our Sites in order to measure interest in the
various areas of our Sites and to inform advertisers as to how many consumers
have seen or “clicked” their advertising banners. This information, and any
other general information about our users that we share with advertisers and other
partners, will not disclose personal information about you.
Your consent
On submitting your personal
information to allpaydaylenders.co.uk you are consenting to us checking the
following:
Our internal databases and
records
Credit reference agencies and
bureaus that could leave a footprint on your file that is visible to other
lenders.
Fraud prevention agencies
We will provide you with access
to any information we have about you in accordance with the Privacy Act. If you
would like to access this information please contact us by emailing us at allpaydaylenders@gmail.com. Some information may be required by
the local law, legal enforcement procedures or other bodies with relevant
powers or jurisdiction. If you do not provide all of the information requested,
we may not be able to provide you with our products or services effectively or
at all.
Data security
We do our best to protect your
personal and bank data that you have shared with us. We protect that
information in transit using secure socket layer (SSL) encryption technology.
Allpaydaylenders.co.uk uses firewalls and the latest encryption technology to
ensure our web site is secure and that all customer data is protected and
encrypted.
Your Rights
We may contact you by phone,
fax, post, email and SMS to tell you about our products, services and
promotions. We will only do this if you have agreed to it in your application
form.
You have a right to opt out of
us contacting you for marketing purposes or sharing information about you with
other companies for marketing purposes by contacting us at allpaydaylenders@gmail.com and letting us know your decision.
Data processing
Our aim is to process data
efficiently, only use it where absolutely needed to give you a better
experience and service. This could include but is not limited to fraud
prevention, money laundering and other criminal activities. We may also use
data to help us improve the customer experience you have, statistical analysis
or assess credit risks or suitability for third party products. In addition to
personal and financial information, we may collect information about your
computer including your IP address, operating system and browser type. We may
use ‘cookies’ which involve information being stored on your computer browser.
Most websites use cookies to improve the overall customer experience and how
the website works as well as to provide relevant information to customers at
the right time. You can choose to block cookies in your web browser by changing
your browser settings. If you choose not to accept cookies this may affect the
quality of our visit to Allpaydaylenders.com.
We
may also add to your record with the credit reference agencies details of any
agreement you make with us, the payments you make under it and any default or
failure to keep to its terms. These records will be shared with other
organisations and may be used and searched by us, and others, in order to
consider other applications for credit and credit related services such as
insurance you may make; to trace debtors, recover debts, prevent or detect
money laundering and fraud, and to manage your accounts. It is important that
you provide us with accurate information.
Sharing your data
We use personal information for the purpose of carrying out
our business activities -providing the products and services you have
requested. We may use your information to help make business decisions that
enable us to offer a better service. We may also use your information for
marketing purposes but only if you have not made a request for us not to do so.
We may, if legally compelled to do so, supply your information to authorities
should they require it to conduct investigations. By using this website you
consent to us collecting and using your personal information as described in
this privacy policy. We reserve the right to change this privacy policy at any
time and without notice. We may also pass your information to third party
financial services companies for the purpose of them telling you about their
services or products.
