MONOPOLY PRIVATE FINANCE LIMITED
WEBSITE PRIVACY NOTICE
Your personal data privacy is very important to us which is why we have published this notice for your information purposes. This is designed to explain what, why and how we use your personal data as well as provide you with information regarding our regulatory authority.
If you have a question, want to exercise your rights, or make a complaint about our use of your information, please contact us using the details above, or by email to [email protected] You can also make a complaint to the ICO, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF, telephone 0303 123 1113. www.ico.org.uk.
Who is the Data Controller?
Monopoly Private Finance Limited of 43 Berkeley Square London W1J 5AP.
We are registered with the Information Commissioner’s Office with registration number ZB628565.
Our Data Protection Officer can be contacted via the above postal address or via email at [email protected]
The types of personal data we collect
We collect personal customer data; the amount of data and type of data depends on the transaction type.
Sensitive and personal data can also be captured in certain circumstances, where this is the case, the data will only be captured and stored with consent.
We only collect personal data we need for our specified purposes.
The purpose of the processing of data
We use your personal information for a variety of reasons related to providing you with our products and services, our business activities and administration, and compliance with our legal and regulatory obligations.
Where you have applied for a credit product (such as a pawnbroking agreement), our reasons also include processing and assessing your application for credit and the administration of your loan or pawn agreement.
We refer to this as a “credit product”.
Where you provide your consent, we may use it to send you electronic marketing.
What is the lawful basis for these uses?
In most cases, our use of your information is necessary and carried out on the following legal grounds:
- for the performance of a contract with you (such as your credit product or money services).
- where necessary for our legitimate interests (such as the proper administration of our business and managing our legal risks); and
- where necessary to comply with a legal obligation (for example making reports to our regulatory authority or to law enforcement agencies).
Where our use of your data is not necessary for one of the purposes outlined above, we may seek your consent to use it in a particular way, for example, if we want to send you marketing information, ask you to provide feedback or you tell us about a change in circumstances
relating to your health.
Where we ask for your consent, you may refuse and can withdraw your consent at any time by contacting us using the details set out below.
What information about you do we use
- We collect and use the following information about you:
- information about you including your contact and personal details and, if you are applying for a credit product, information about your financial circumstances.
- if you are taking out a credit product, information provided to us by any loan broker that introduced you to us;
if you are taking out a credit product or using a money service, information about you from third party organisations to verify your identity and, in the case of credit products, , Fraud Prevention Agencies (FPAs) and tracing agents; - information obtained from other public data sources which might include data from the electoral roll, public records including county court judgments, and bankruptcy and insolvency data to the extent this is necessary and justified on one of the legal bases above.
- information about your use of our website (see the Privacy Notice on our website for details) and call recordings when you speak to us over the telephone; and
information you (or your third-party representative(s)) provide us with or share publicly to the extent this is necessary and justified on one of the legal bases above. CCTV footage and audio from H&T store estate.
When might we collect and use sensitive information about you?
We always seek to treat customers fairly and be responsive to their individual needs. Sometimes you may disclose some types of information that are classed as sensitive under the law. A common example of this is information about your mental or physical health. We will ask your consent to record this information. Not agreeing to us recording this information may impact on our ability to make adjustments for your circumstances. We collect this information with your consent only so that we can treat you fairly and according to your needs.
Who do we share your information with?
We may share your information with:
the broker who introduced you (if applicable).
third-party service providers, such as tracing agents, our legal advisors, our auditors and professional service providers and our website support.
Visual Shop online marketing company.
law enforcement agencies or regulatory bodies where we are required to do so.
other members of our group of companies, and any purchaser or proposed purchaser of all or part of the same or their assets, together with their professional advisors.
you or your third-party representatives (in line with your rights); or
any person or persons seeking to acquire all or part of our business and/or assets and any potential assignees of your credit agreement, along with their third-party advisors.
third parties including other pawnbrokers and/or credit providers, where we believe, in good faith, that this is necessary to prevent or investigate fraud, theft or other criminal activity and to protect our rights, property, safety or reputation or the rights, property, safety or reputation of any of our clients or partners.
Customer satisfaction review agencies
Where we share your data, we will always seek to implement reasonable safeguards to ensure it is safe.
Records remain on file with CRAs and FPAs for 6 years after they are closed, whether settled by you or defaulted. This information may be supplied to other organisations which search your credit record. More information about CRAs and how they use personal information is available in the Credit Reference Agency Information Notice (also known as the “CRAIN”) at www.experian.co.uk/crain/index.html or you can contact the agencies below:
| TransUnion | Consumer Services Team, PO Box 491, Leeds, LS3 1WZ Tel: 0330 024 7579 or visit www.transunion.co.uk/crain |
| Equifax PLC | Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US Tel: 0870 010 0583 or visit www.myequifax.co.uk |
| Experian | Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF Tel: 0870 241 6212 or visit www.experian.co.uk |
Fair Processing Notice
The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by accessing the CIFAS Fair Processing Notices (www.cifas.org.uk/fpn).
Where is your information stored?
The information we collect about you will be held on our secure servers within the European Economic Area (the EEA) and will not be transferred or stored outside the EEA.
How long will your information be kept on file?
We keep your information for as long as it is needed to provide you with the services you have requested and, to the extent it is necessary for the protection of our legitimate interests, for six years from the date it is provided to us. In some limited cases we are required to keep certain information by law. If you would like to know more, please contact us.
Your rights
You have the right to withdraw consent for our processing of your personal data at any time. You can do this in any of our stores, via the business postal address or via email at [email protected] You can find out more or exercise the above rights by contacting us. Further information is also available from the ICO’s website (www.ico.org.uk). |
Website use
When you make an enquiry or shop on this website, we will ask you to input and will collect personal information from you such as your name, email address, billing address, delivery address, telephone number, product selections, credit card, or other payment information, photographs, and a password.
We may also collect, information about where you are on the internet (e.g. the URL you came from, IP address, domain types like .co.uk and .com), your browser type, the country and telephone area code where your computer is located, the pages of our website that were viewed during your visit, the advertisements you clicked on, and any search terms that you entered on our website (“User Information”). We may collect this information even if you do not register with us.
You should be aware that this site is being monitored and may capture information about your visit that will help us improve the quality of our service.
We keep a record of your purchases with us, which means we can create lists of your favourite items to make your shopping experience quicker and more convenient. It also means we can deal a lot quicker with any problems you may experience with your order.
Contact and complaints
If you have question, want to exercise your rights or make a complaint about our use of your information, please contact us using the details above, or by email to [email protected].
You can also make a complaint to the ICO, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF, telephone 0303 123 1113. www.ico.org.uk.
Statutory or contractual obligation to provide personal data.
The majority of products and services require you to provide personal data. Where you have applied for a credit product (such as a pawnbroking agreement) you are required by law and under contract to provide personal data. If this is not provided the agreement or product cannot be fulfilled.
Updates
Updates to this policy are published on our website and, where appropriate, may be sent by email and/or post.
Questions
If you have any questions, you should contact us. We have designed this notice to provide you with information in a concise and clear way, but if you have specific questions relating to your own circumstances, or you simply want to find out more, you can contact us.