Payday-Loans-365 is a trading style of Hymarc Ltd registered in England and Wales. Company number 09376745. Hymarc Ltd is authorised and regulated by the Financial Conduct Authority.
Firm registration number 683980. Registered office – The Southborough Centre The Warehouse, Draper Street, Tunbridge Wells, England, TN4 0PG. Hymarc Limited is a registered Data Controller under the terms of the Data Protection Act 1998 with a registration number of ZA 098144. Copyright © 2018 Hymarc Limited. All rights reserved.
At Hymarc Limited we know how important your privacy is and do everything we can to ensure personal information we hold about you as a result of visiting any Hymarc Limited owned websites and submitting your personal details will be processed and handled with the accepted principles of good data handling and in accordance with the Data Protection Act 2018.
Contained within this statement and set out below are details of the type of information that we at Hymarc Limited may hold about you as our customer. It also explains how we obtain and process any personal information we may hold and importantly how we protect your privacy.
THE DATA PROTECTION ACT
For the purpose of the Data Protection Act 2018 (the Act), the data controller is Hymarc Limited and our registered office is The Southborough Centre The Warehouse, Draper Street, Tunbridge Wells, England, TN4 0PG. We are a company incorporated in England and Wales and our Company Registration Number is 09376745. Our data protection registration number is ZA 098144.
INFORMATION WE COLLECT
We may collect and process the following data about you:
Information you give us. You may give us information about you by filling in the application form on our site payday0-loans-365.com (our site) or by corresponding with us by phone, e-mail, live chat, online messenger services or post. This includes information you provide when you register to use our site, subscribe to our service, apply for a loan on our site, participate in discussion boards or other social media functions on our site, enter a competition, promotion or survey, make a complaint, and when you report a problem with our site. The information you give us may include, but is not limited to, your:
Date of birth
Income and Expenditure details
Details of bank account
We may also collect:
A record of correspondence if you should contact us, together with your contact details and our responses;
Information that you provide to our partners, brokers and affiliates where you have consented to that information being passed to us.
We may also check that you appear on the electoral register, and whether telephone numbers provide are genuine.
Your information may be submitted and verified by entities such as credit reference agencies and fraud prevention agencies.
We will not actively market products or services to you for any period longer than 6 months from the date of your application. Any personal information we store longer than 6 months would be for audit purposes only.
Other information we collect about you. With regard to each of your visits to our site we may automatically collect the following information:
technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. [In this case we will have informed you when we collected that data that it may be shared internally and combined with data collected on this site.] We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and advertising networks, delivery services, analytics providers, search information providers, credit reference agencies) and may receive information about you from them. We only work with FCA licensed credit brokers and lenders who may send your application details to us, so that we may help try and find you a loan. In such cases we will receive an application form from the credit broker or lender in question and we will treat your personal information in the same manner as if we collected this information ourselves.
HOW WE USE THE INFORMATION COLLECTED
As a business we use data we obtain from you and data we collect about you to perform a number of activities. Under data protection legislation we are only permitted to use your personal information when we have a legal basis that permits us to do so. We set out below an overview of the purposes for which we use your personal information for a legitimate business need.
We use information held about you in the following ways:
to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
to carry out our obligations and complying with regulatory requirements, we may send your application to a credit reference agency to conduct a soft check of your personal credit file. We will do this to help us ascertain if the product you have applied for is suitable for you. If we consider the product is unsuitable for you we will inform you after you have submitted your application. If we consider you are potentially suitable for the product, this does not mean you will be accepted for a loan by one of the lenders we work with;
We may also send your details to an identity verification service provider in order to ensure the details entered are legitimate and are not being used to make a fraudulent application;
We may submit your details to the lenders we work with in order that they can conduct affordability assessments and credit worthiness assessments in keeping with regulatory guidelines. When assessing loan applications, most lenders will undertake, amongst other things, the following:
fraud prevention, and
debt collection where necessary.
The lender may legitimately process your data:
To use information you provide on your application form to enable applicant matching and de-duplication
To enable assessment of lending risks by considering all products you may have with that lender already and also taking into consideration your payment history with any products you previously held with that lender for assessing your income and expenditure, and periodically updating this information to enable them to make responsible lending decisions.
To assist with ongoing crime detection, prevention and prosecution
The lender will not use your data, unless you have explicitly consented, for:
to contact you in any way or to sell your data.
Sharing your data externally will only be done with your permission or if the lender is legally obliged to do so. Lenders may keep your details and use them for these purposes for up to 12 months.
Other ways in which your data may be used:
to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
to improve our site to ensure that content is presented in the most effective manner for you and for your computer.
as part of our continued efforts to keep our website safe and secure.
to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.
to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.
to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) and by telephone with information about goods and services similar to those which were the subject of previous dealings with 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 ensure you tick or un-tick the relevant box situated on the loan application form on which we collect your data or contact us directly with a request for deletion of your personal details.
to notify you about changes to our service.
WHERE WE STORE YOUR PERSONAL DATA
A cookie is a small electronic file that distinguishes you from other users of our mobile apps and website. A cookie will help us to identify user activity on our sites and enable us to use this information to improve the client experience and the information and the way it is presented to the you.
We may use both ‘transient’ cookies that expire once you log off from your online session, and ‘persistent’ cookies which remain on your computer and help us identify you when you return to our site after a previous visit. It is the data from the persistent cookies that we may analyse to help identify trends and habits to improve your experience on the site. We do not store sensitive data including passwords and account numbers in persistent cookies. We are unable to personally identify you via the cookie until you provide us with your personal data as part of the application process.
Though most browsers are configured to accept cookies it is possible for you to reject their use by amending the settings in your browser. Should you wish to amend your cookie settings to no longer accept them, we can not guarantee that you will be able to access all pages in our site may appear to be slow and unresponsive at times.
WHEN & WHO DO WE SHARE YOUR PERSONAL DATA WITH?
In order to provide the service you have requested we will process your data and if necessary share with the following selected third parties to assist in your application:
StopGo Networks, 272 Bath Street, Glasgow, G2 4JR, who are regulated by the Financial Conduct Authority (FRN: 729572) as a Credit Broker
StopGo Networks will search their panel of credit providers for an appropriate credit provider who subject to approval, will provide you with a more suitable product. This will be subject to your marketing consent preferences.
For product analysis and the determining of client trends. This may be done both internally and with external partners. In the case of statistical analysis any data provided to third parties will be done on an anonymous basis.
If required to do so via any legal authority or when we believe that disclosure is necessary to protect to comply with judicial proceedings and or to protect our rights.
In the case our business is acquired in whole or part by a third party. At which point, the personal data will form part of the transferred assets.
Sharing of information may be necessary with the Regulators to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority. Sharing of information to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this Privacy Notice.
Your data will be treated confidentially and these companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with Hymarc Ltd instructions.
HOW WE MAY CONTACT YOU
You will also have the choice to opt-in to receiving other related marketing information and related products and services. Both we and other carefully selected organisations or alternative credit and insurance providers may contact you by telephone, letter, e-mail, SMS or other social media to offer other credit or insurance products which may be of interest to you. We may also send you information about money saving tips and guides.
Should you not wish to receive these communications that you can email us on firstname.lastname@example.org typing the heading “remove” in the title bar.
On receipt of the such communication, we will endeavour to update your profile with this request within 10 business days. Should you consent to allow StepStone Credit to share your information with trusted third parties, these parties may follow up with you directly with news and offers. To opt out of receiving communications from these companies you will have to contact them directly.
HOW YOU CAN CONTACT US
OBTAINING DATA/ INFORMATION
1. You are free to access www.payday-loans-365.com and browse our website at your convenience. In doing so you do not have to provide any personal information/data, however we would like to refer you to our cookies policy for further information on data we may collect.
2. Information/ data that we would normally collect from you during an application process include:
Date of birth
Income and Expenditure details
Details of bank account
If you register your details with Hymarc Limited and/ or have a question about our services, or alternatively choose to send any email address owned and operated by Hymarc Limited we may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
YOUR LEGAL RIGHTS REGARDING YOUR PERSONAL DATA
You have the following rights in relation to the personal data we hold about you:
1. The right to be informed
2. The right of access
3. The right to rectification
4. The right to erasure
5. The right to restrict processing
6. The right to data portability
7. The right to object
8. Rights in relation to automated decision making and profiling
If you have any questions regarding these rights, please contact us.