Privacy Policy

Cash Central of UK Limited ("We") are committed to protecting and respecting your privacy. This policy (together with our terms and conditions and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.  We have put in place a number of measures to ensure that any personal data we obtain from you visiting this website is processed and maintained in accordance with accepted principles of good information handling and in accordance with the Data Protection Act 1998 (the “Act”).

For the purpose of the Act, the data controller is Cash Central of UK Limited and Direct Financial Solutions of UK Limited of 2nd Floor, 10 Chiswell Street, London, EC1Y 4UQ.

INFORMATION WE MAY COLLECT FROM YOU

We may collect and process the following data about you:

  • Information that you provide by completing forms on our site www.cashcentral.co.uk (“our site”). This includes any information provided at the time of registering to use our site, completing your application for a loan(s) or subscribing for other products or services, posting material or requesting further services. We may also ask you to provide information if you report a problem with our site.  This may include:
  • Any records of correspondence if you contact us.
  • Information collected through surveys which we may ask you to complete for research purposes, although you are under no obligation to respond to them.
  • Details of transactions you carry out through our site.
  • Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.

IP ADDRESSES AND COOKIES

We may collect information about your computer, including where available your IP address, operating system and browser type, for systems administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns and does not identify any individual.

We may also obtain information for statistical purposes about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us to improve our site and to deliver a better and more personalised service. They enable us:

  • To estimate our audience size and usage pattern.
  • To store information about your preferences in order to allow us to customise our site according to your individual interests.
  • To speed up your searches.
  • To recognise you when you return to our site.

You may refuse to accept cookies by choosing the setting on your browser which allows the setting of cookies to be deactivated. If you select this setting however, you may be unable to access certain parts of our site. Our system will issue cookies when you log on to our site, unless you have adjusted your browser setting refuse cookies.

Please note that our advertisers may also use cookies over which we have no control.

WHERE WE PROCESS, TRANSFER AND STORE YOUR PERSONAL DATA

The data that we collect from you may be processed, transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us, one of our group companies or for one of our suppliers. Such staff may be engaged in, among other things, the processing, execution of and compliance of your loan application and loan(s), the processing of your payment details, the provision of support services and dealing with any defaults incurred in relation to any loan agreement entered into by you with us.

By choosing to register and transact with us and by submitting your personal data, you agree that we may transfer, store or process your information to an associated company of ours, a service provider or agent in another country including outside of the EEA for such use set out in this policy.  We will take all steps reasonably necessary to ensure that such organisation agrees to apply the same levels of protection as we are required to apply to information held in the UK and that your data is treated securely and in accordance with this privacy policy.

All information you provide to us may be recorded electronically and is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

USES MADE OF THE INFORMATION

We may use information held about you in the following ways:

  • To verify your identity and credit standing with credit reference agencies and to   enable us to consider and process your application for a loan or other products or services.  Please note that credit reference agencies may place a search footprint on your credit file that may be seen by other lenders.
  • To assess your credit history and confirm your employment details.
  • To detect, prevent and investigate actual and potential fraud and related activities.
  • To collect unpaid loans and debt that may be owed by you to us.
  • To contact you in connection with your enquiry.
  • To help us administer and service your account with us.
  • To ensure that content from our site is presented in the most effective manner for you and for your computer.
  • To carry out our obligations arising from any contracts entered into between you and us.
  • To allow you to participate in interactive features of our service, when you choose to do so.
  • To notify you about changes to our service.
  • To update our website to better meet our customers’ needs.
  • To develop, manage and market products and services to meet your needs and to provide you with information, products or services that you request from us or which we feel may interest you, where you have provided your consent to be contacted for such purposes.

We may also use your data or permit selected third parties to use your data with your consent, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by post, email or telephone.

If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you.   If you are a new customer, and where we permit selected third parties to use your data, we (or they) may contact you by electronic means only if you have provided us with your consent.   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 tick the relevant box situated on the application on which we collect your data (the application form). 

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use or disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by selecting certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at customerservice@cashcentral.co.uk.

DISCLOSURE OF YOUR INFORMATION

We may disclose your personal information to any company which is a member of our group, which includes any linked companies, subsidiaries or our ultimate holding company.

We may also disclose your personal information to third parties from time to time for the following reasons:

  • In the event that there is (or is to be) any change in ownership of our business or assets, we may disclose your personal data to the prospective or new owners so that they may continue to operate our business effectively and continue to provide services to our customers.  This may include new shareholders or any organisation that may take an assignment or transfer of any agreements we have entered into with our customers.
  • 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 terms and conditions and other agreements; or to protect the rights, property, or safety of Cash Central of UK Limited, our customer, or others. This includes exchanging information with other third parties for the purposes of fraud protection and credit risk reduction.
  • We will check our own records and we will also contact credit reference agencies to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision to make a loan to you.  By submitting your application to us, you authorise us to make an inquiry to these credit reference agencies regarding your credit behaviour.  We may collect the following information from you for these purposes:
    • Information on your personal accounts
    • Financial information on an associate’s personal accounts if there are any financial links with you
    • Business accounts if you are a director or partner in a small business
    • Data held by fraud prevention agencies on you and your business if you have one
    • Information obtained from public records including the electoral roll
  • In accordance with our customary practices and those in our industry, we may disclose information about your transactions with us (including any defaults) to credit reference agencies who may keep a record of that information.  If you provide us with false or inaccurate information and we suspect fraud, we will record this and may also pass this information to financial and other organisations involved in fraud protection to protect us, them and our respective customers from theft and fraud.

Please click on the link below if you require further information on how we and/or credit reference agencies may use you data.
Data Protection Guide

HOW LONG DO WE KEEP YOUR INFORMATION?

The length of time we retain your information will depend on the purpose in which the information was provided.  In general, however:

  • We will keep the information that is necessary to enable us to provide you with a service that you have requested through this website for as long as it takes us to provide that service.
  • We will keep your contact details for as long as we have your consent to send you marketing information and/or pass your contact details to third parties.
  • We will keep records of any transactions you enter into on this website for a minimum period of six years.  This is to allow us to respond to any complaints or disputes that may arise during that period.
  • We will keep other information about you if it is necessary for us to do so to comply with the law.

Please be aware that credit reference agencies and fraud prevention agencies who we have transferred your data to in accordance with this notice, may also retain your information for a minimum period of six years.

TELEPHONE CALLS

If you call us on the telephone number detailed on this website we may record your call for training and monitoring purposes.

YOUR RIGHTS

We will only collect and store information about you with your consent. 

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

ACCESS TO INFORMATION

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a statutory fee of up to £10 to meet our costs in providing you with details of the information we hold about you.  Please contact Cash Central of UK Limited of 2nd Floor, 10 Chiswell Street, London, EC1Y 4UQ if you wish to make an access request.

You may also contact the credit reference agencies operating within the UK direct to obtain further information about what information they hold about you.  Their contact details are set out below. They may also charge a small fee in relation to providing you with these details.

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414
Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk 
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk
Teletrack UK Limited, 2 St John’s Street, Colchester, Essex, CO2 7AA

If any data or information we hold about you is inaccurate or out of date, please contact us and this will be corrected immediately.

CHANGES TO OUR PRIVACY POLICY

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

CONTACT

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to customerservice@cashcentral.co.uk

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