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Cookies & Privacy

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Privacy Policy

We treat the privacy of our customers and website users very seriously and we take appropriate security measures to safeguard your privacy. This Privacy Policy explains how we protect and manage any Personal Data that you share with us and that we hold about you, including how we collect, process protect and share that data.

Who we are

We are Givemecredit Limited of Trevithick House, Trevissome Park, Truro, Cornwall, TR4 8UN, England, UK. If you use our website, you must agree to our Terms and Conditions, which are subject to the laws of England and Wales.

You can contact us using the email address or the postal address provided at the foot of this Privacy Policy.

How We Obtain Your Personal Data

Information Provided by You

You do not provide us with Personal Data when you use our Credit Finding services. If you click on any of the links on our Credit Finding webpages, you provide Personal Data directly to the lender or broker which is dealt with in accordance the Privacy Policy of that particular lender or mortgage broker. We would strongly suggest that you read the Privacy Policy of each company before you provide them with your Personal Data if you have any concern whatsoever about the privacy of your data.

We keep information contained in any correspondence you may have with us by post, email, or Secure Message. We may also record telephone calls, but only if we tell you at the start of the call and not otherwise. If we do not record a telephone conversation with you, we may keep brief details of the contents of your call on our files.

Each time you visit our website we obtain information about the device you use to access our services, your location and your IP address.

Information We Get from Other Sources

The information we present to you is compiled from lenders and other companies whose accuracy we do not control or influence. The websites that we link to are operated and maintained by third parties over whom we have no control or influence.

How We Use Your Personal Information

Your IP address, details of the device you use and your location are used to diagnose problems with our servers, and to administer our website.

Your IP address is also used to gather broad demographic information.

We undertake at all times to protect your Personal Data in accordance with our terms and conditions and in a manner that is consistent with the requirements of the UK General Data Protection Regulation (GDPR) concerning data protection.

Do We Use Your Personal Data for Marketing Purposes?

Any information that you choose to give us will not be used for marketing purposes by any third party.

Other Information

We calculate your free credit score and rating from the answers to the questions we ask. We do not permanently store either the answers to these questions, nor your credit score, nor use this information for any other purpose.

Links to Other Websites

Our website contains links to other websites. Givemecredit Limited is not responsible for the privacy practices or the content of such websites.

Sharing Information

We will keep confidential any information we have about you. We will only disclose your information with other third parties as explained in this Privacy Policy, or with your authority or your express consent, with the exception of the following:

Categories of Third Parties

  • Regulatory authorities to comply with any legal and regulatory issues and disclosures;
  • Fraud prevention agencies for the purposes of investigating suspected fraud and fraud prevention;
  • Email or mail service providers who provide a fulfilment service for us, on the understanding that they will keep information confidential;
  • Anyone to whom we may transfer our rights and duties under any agreement we may have with you; and
  • Legal or crime prevention agencies and/or to satisfy any regulatory request if we are under a legal duty to do so

Transfer of your personal Data outside of the European Economic Area (EEAA)

We do not currently transfer your Personal Data outside the EEA, other than for fraud prevention checks where the receiver has agreed to provide the same or similar protection as we do, and that they will only use your Personal Data in accordance with our instructions. If in the future we transfer your Personal Data outside of the EEA for reasons other than fraud prevention checks, then, in accordance with the terms of this Privacy Policy, we will make sure that the receiver agrees to provide the same or similar protection as we do and that they only use your Personal Data in accordance with our instructions.

How long do we keep information about you?

We keep information in line with our data retention policy. The retention periods are in line with the length of time we need to keep your Personal Data in order to manage and administer our services to you. The retention periods vary to take into account our need to meet any legal, statutory and regulatory obligations and can vary for individual customers and for different reasons. In general, we do not keep information for longer than we deem necessary. In all cases our need to use your Personal Data is reassessed on a regular basis and information that is no longer required is disposed of.

What happens if Givemecredit Limited changes hands?

We may, from time to time, expand or reduce our business activities and this may involve the sale and/or the transfer of control of all or part of our business. Any Personal Data that you have provided will, where it is relevant to any part of our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by us.

In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will not, however, be given the choice to have your data deleted or withheld from the new owner or controller.

Data Subject Rights

Subject Access Requests

The General Data Protection Regulation (GDPR) grants you the right to access particular Personal Data that we hold about you. This is referred to as a Subject Access Request. We shall respond promptly to any Subject Access Request received, and always within one month from the point of receiving the request and all necessary information from you. Our formal response shall include details of the Personal Data that we hold about you, including the following:

  • Sources from which we acquired the information;
  • The purposes for processing the information, and
  • Persons or entities with whom we are sharing the information.

Please note that unless you have emailed or written to us, we are unlikely to hold any Personal Data for you. If you wish to exercise your Subject Access Rights, please write to us or email us, saying that you wish to exercise your access rights under the General Data Protection Regulation (GDPR). When you write, please advise us of your full name and any previous names you may have used, your full current address, also of any previous addresses you have lived in the last six years, and your date of birth. To enable us to reveal your data only to you, please send us a photocopy of the details page of your passport, or of your driving licence, together with a copy of a bank statement or credit card statement that is not more than three months’ old, together with your email address and mobile phone number so that we may provide the information to you.

If you exercise your subject access rights regularly, we reserve the right to seek an administrative fee from you which is payable prior to release of information.

Right to erasure

You have the right to obtain from us the erasure of Personal Data concerning you without delay. To invoke your right please write to us or email us and ask us to erase your Personal Data.

If you have any history of a dispute with us on any matter, we will routinely refuse to erase your data on the basis that it is required by us for the establishment, exercise or defence of legal claims.

Right to restriction of processing

Subject to certain exemptions, you have the right to obtain from us restriction of processing where one of the following applies:

  • The accuracy of the Personal Data is contested by you and is restricted until the accuracy of the data has been verified;
  • The processing is unlawful and you oppose the erasure of the Personal Data and instead request the restriction in its use;
  • We no longer need the Personal Data for the purposes of processing, but it is required by you for the establishment, exercise or defence of legal claims;
  • You have objected to processing of your Personal Data pending the verification of whether there are legitimate grounds for us to override these objections.

Notification obligation regarding rectification or erasure of Personal Data or restriction on processing

We shall communicate any rectification or erasure of Personal Data or restriction of processing as described above to each recipient to whom the Personal Data has been disclosed, unless this proves impossible or involves disproportionate effort. We shall provide you with information about those recipients if you request it.

Right to data portability

You have the right to receive your Personal Data which you have provided to us in a structured, commonly used and machine-readable format and have the right to transmit this data to another controller without hindrance from us. We reserve the right to charge an administration fee at our discretion.

Right to object

You have the right to object, on grounds relating to your particular situation, at any time to the processing of Personal Data concerning you, including any personal profiling; unless this relates to processing that is necessary for the performance of a task carried out in the public interest or an exercise of official authority vested in us. We shall no longer process the Personal Data unless we can demonstrate compelling legitimate grounds for the processing which override the interests, rights and freedoms of you, or the establishment, exercise or defence of legal claims.

Right to not be subject to decisions based solely on automated processing

We do not carry out any automated processing which may lead to an automated decision based on your Personal Data, so this right does not apply.

Invoking your rights

If you would like to invoke any of the above Data Subject Rights with us, please contact our Data Protection Officer at the address given below.

Policy changes

This Privacy Policy is regularly reviewed. This is to make sure that we continue to meet the highest standards and to protect your privacy. We reserve the right, at all times, to update, modify or amend this Policy. We suggest that you review this Privacy Policy from time to time to ensure you are aware of any changes we may have made. We will not significantly change how we use information that you have already given to us without either your prior agreement or as otherwise permitted under the UK General Data Protection Regulation (GDPR).

If you have a complaint

Our general Complaints Policy can be found at the foot of our Terms and Conditions but if you have a complaint which specifically relates to the use of your Personal Data or sensitive information then please write to the Data Protection Officer, using the contact details found at the end of this Privacy Policy.

If your complaint is not resolved to your satisfaction and if you wish to make a formal complaint to the Information Commissioner’s Office (ICO), you can contact them on +44 1625 545745 or +44 303 123 1113. You also have the right to judicial remedy against a legally binding decision of the ICO where you consider that your rights under the General Data Protection Regulation (GDPR) have been infringed as a result of the processing of your personal data. You have the right to appoint a third party to lodge the complaint on your behalf and to exercise your right to seek compensation.

Opting out of marketing communications

You can opt-out by using the unsubscribe link which is contained at the foot of each email if you do not wish to receive future marketing communications from us. Please note that we may still be required to notify you from time to time of any significant changes to our terms and conditions, even after you express a preference not to receive marketing communications.

Information About Cookies

A cookie is a small text file stored on your browser, for example Internet Explorer or Chrome.

We use a minimal number of cookies to support your use of our website. We classify these as being Strictly Necessary or Performance cookies. More information is available below - you can change your settings by using the switch at the top of each section.

Strictly Necessary Cookies

These cookies are always set by us, and never by third parties and are used to facilitate your navigation of the site, and provide features or functionality that you request which are provided by us.

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Performance Cookies

Set by us, or our trusted suppliers these cookies enable us to identify and resolve issues with our website, and to manage the amount of data that is required to view each page, thereby improving the performance of the website for all users.

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Used by Google to provide data for their Google Analytics service which provides us with detailed information about how our website is performing, which areas have issues and which are the most popular sections of the site that we would then seek to optimise. The data collected through this service is anonymous - we only permit access to our Google Analytics information to ourselves and to no other third party.

View the Google Privacy & Cookies Policy

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Important information

Questions and queries

If you have any questions or queries which are not answered by this Privacy Policy, or have any potential concerns about how we may use the Personal Data we hold, please write to:

Ian Carpenter
Data Protection Officer
Givemecredit Limited
Trevithick House
Trevissome Park
Truro
Cornwall
TR4 8UN
England
United Kingdom

Or email ian.carpenter@givemecredit.ie



Last updated: 24 May 2018

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