Callcredit Privacy Policy

About this privacy policy

This privacy policy will help you to understand how we will use your personal information.

Callcredit is committed to the fair and lawful management of personal information. If you have any concerns about the way we are using your information, please contact us.

About us

Callcredit means Callcredit Consumer Limited registered in England and Wales with company number 07891157. Our registered office is at One Park Lane, Leeds, West Yorkshire LS3 1EP.

For the purposes of the Data Protection Act 1998, we are a data controller in relation to the information that we collect and hold about you. This means that we are responsible for ensuring that your data is processed fairly and lawfully by us.

We work closely with our group company Callcredit Limited of One Park Lane, Leeds, West Yorkshire LS3 1EP. The information that you provide to us will be shared with Callcredit Limited, and Callcredit Limited provides us with your credit history. In both cases, the information will be used in accordance with this privacy policy. Callcredit Limited is a data controller in relation to the credit records that it holds.

Consent

By registering to use Callcredit’s services, you are giving consent to the use of your personal information in accordance with this privacy policy.

You can control your preferences about the way in which we and other third parties may make contact with you by contacting us.

Information we collect

We collect the following kinds of information about you:

Information you provide to us

You provide us with certain information when you register for the services. This may include:

  • Your name, address, date of birth, email address and telephone number.
  • Previous address details.
  • Credit or debit card details.

You may also be asked to provide documentation such as utility bills or bank statements. This information will only be requested when we need to verify your current address. We store such documentation securely, and it will be destroyed once verification is complete.

Your credit history

We obtain your credit file from our group company Callcredit Limited. This may include information such as:

  • The organisations with whom you have credit accounts and the financial products that you hold with them.
  • Your debts and credit performance history.
  • Other people with whom you are financially associated.
  • The history of searches made against your credit file.
  • Other names by which you are (or have been) known.
  • Disputes and queries that you have raised about your credit file.

Other information gathered from your use of the services

When we perform an identity check on you, we will store the results of that check.

How we use that information

We collect information about you for the following purposes:

Verifying your identity

The information you provide on registration will help us to verify your identity so that we know we are providing your credit history to the correct person. We do this by checking the information you give us against external databases such as the electoral roll and your credit file.

Providing you with our services

We will use the information that we hold about you in order to provide you with our services. This includes making your credit file available to you as part of the services.

We may contact you to communicate with you in connection with our services and to deal with any queries concerning the data that we hold.

Fraud prevention and other legitimate interests

In order to detect or prevent fraud (for example, to ensure that no-one has fraudulently accessed your account or to confirm you have only entered information about yourself), we may use information we collect about you to corroborate your details and/or verify your identity (including using third parties to undertake those checks on our behalf).

Information may also be used, by us or third parties, for credit and risk assessment and management, identification, debt collection and returning assets to you.

Combining data

The information you give us may be combined with other information about you that is obtained from other sources. The combination is usually undertaken with a view to enhancing an existing database with more information. For example:

  • If you are already a customer of a third party, that third party might wish to add an e-mail address you give us to the customer records that it holds about you, and use that email address to maintain their relationship with you and/or to offer you goods and services that are similar to those you have previously purchased.
  • The information you give us may be compared with data available elsewhere to verify your identity or validate the information you have provided (for example in the context of anti-fraud measures).
  • Anonymised information about you may be combined with information about your devices (or cookies deployed on your devices) to improve the relevance of advertising material on websites you visit.

Who we share information with

Our suppliers

We may share your personal information with our agents, sub-contractors and third party processing companies for the purposes of:

  • providing our services to you;
  • market research;
  • analytical and statistical purposes.

Please note that as part of the verification process, your information may be passed outside the EEA by our subcontractors.

The provider of your credit history

We may share your personal information with our group company Callcredit Limited and its employees and agents in order to obtain and provide you with your credit report.

Fraud prevention, law enforcement agencies and other non-marketing users

We may share your personal information, or any suspected fraud relating to you, with the police and other law enforcement agencies as well as organisations such as fraud prevention agencies and other financial services providers, insurance providers and credit and debt collection agencies for assessing creditworthiness, for the prevention of identity fraud and money laundering, and returning assets to you. This information might be used, for example, in order to check details on applications for credit or other facilities; managing credit accounts or other facilities; recovering debt; checking details on proposals and insurance claims; and checking details of job applicants and employees.

The results of your identity check may also be disclosed to authorised third parties through credit referencing, fraud prevention, risk assessment and identification products.

The personal information you provide (including your email and internet protocol (IP) addresses) may also be copied, stored, used and licensed to enable Callcredit group companies to provide services to their clients to assist with identity verification, prevention of fraud and money laundering, service delivery and process implementation. Your email and IP addresses will not be used to initiate contact with you for direct marketing purposes.

Please contact us if you want to receive details of the relevant fraud prevention agencies.

Other disclosures

We may also share your personal information with:

  • anyone who takes over the operation of the website or who buys our business or assets (or the part of our business which involves the use of your personal information);
  • any other third parties where we are required to do so by law.

We may share anonymised information relating to you with third parties for any other purposes, but only where that information cannot realistically be identified as relating to you.

Our security measures

We are aware of the importance of safeguarding the information under our control and endeavour to take all reasonable steps to protect it. All data collected as part of the services is stored on secure servers, and we have stringent security and confidentiality procedures covering the storage and disclosure of such information in accordance with the Data Protection Act 1998.

However, providing information and transacting over the internet has inherent security risks, and we cannot be held responsible for any breach of security which is outside our reasonable control or not due to our negligence or wilful default.

How to access your information

You have the right to obtain a copy of all of the personal data that we keep about you. To obtain this, you will need to send us a written request. We may need to verify your identity and may charge a fee before we comply with the request.

If you are concerned that any of the personal information we hold on you is incorrect, please contact us.

How to update your details and change your preferences

If you wish to change any of your contact preferences, or change your consent to the use or sharing of your personal information, please contact us.

Third party websites

Some websites that have links to and from our website may collect personal information about you when you access or use those links. They might also use their own cookies. We do not control those websites, and their practices are not covered by this privacy policy.

Changes to this policy

We may modify this privacy policy from time to time. When we do so, we will post a revised version of it on the website and, where appropriate, we will email you to inform you of the changes.

Updated versions will be effective immediately when they are posted. We encourage you to check the privacy policy regularly to obtain the most up to date copy.

This privacy policy was last updated in June 2017.

How to contact us

If you have any comments or queries about this privacy policy, please contact us.