PRIVACY NOTICE

The purpose of this privacy notice is to explain how we collect and use your personal data.

Company details

Paylink Solutions Limited is registered in England and Wales under company number 10318423 and our registered office address is Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire.

Our Data Protection Officer is Dale Stringer

You can contact us using the following details:

Address: Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire

Telephone: 01476 517 661

Personal data collection and processing

The categories of personal data we collect and process are:

  • Basic personal information such as your name, gender, address history, date of birth, telephone number(s) and email address;
  • Information about your family and personal circumstances (such as marital status and financial dependents);
  • Details of your income and expenditure;
  • Details of your employment status and/or benefit awards;
  • Photographic identification such as a passport or driving licence;
  • Current and historic financial information including account details, transactional history and outstanding credit commitments;
  • Banking details such as an account number and sort code;
  • Details of health and medical conditions but only when you have given explicit consent.

Why we collect and process your personal data

We collect and process personal data for the following reasons:

  • To check the details and information that you or a third party have provided us with;
  • To check your credit history;
  • To confirm your identity;
  • To help us manage your account if you enter into a agreement with us (for example, to keep your information up to date,);
  • To view information about you and how you manage your account and repayments.
  • If we suspect or identify fraud, money laundering or any other criminal activity.
  • To assist us in performing the service we provide to you.

How we obtain your personal data

We obtain personal data from a number of sources which include:

  • Information you give to us;
  • Information if you have previously held an account with us;
  • Information that we acquire through our relationship with you and the way you operate your account (such as repayment history);
  • Information obtained from credit reference and fraud prevention agencies.
  • Information obtained from your bank through open banking agencies with your explicit consent.

Credit Reference Agency

Credit reference agencies retain a record of the enquiries we make and may record, use and supply the information we give them. This information may be used by other lenders, insurers and other organisations. We, law enforcement agencies and other organisations may also access and use this information to prevent and detect fraud, money laundering and other criminal activity. While all reasonable endeavours are taken to verify the accuracy of the data provided, it cannot be guaranteed that it is completely accurate as some information comes from other businesses which get their information from other sources e.g. electoral register.

We use TransUnion trading as Call Credit to obtain information about your financial standing and history and for fraud prevention purposes. In the event of a query or dispute you should contact us in the first instance. If this isn’t resolved you may refer the query or dispute to TransUnion, their contact information is:

We use Experian to obtain information about your financial standing and history and for fraud prevention purposes. If you would like a copy of the information held by Experian, their contact information is:

We use Equifax to obtain information about your financial standing and history and for fraud prevention purposes. If you would like a copy of the information held by Equifax, their contact information is:

Open Banking

Open Banking is a secure method of providing access to your financial information both for yourself and for other financial organisations.  For more information about open banking please see https://www.openbanking.org.uk

We use Credit Kudos to obtain information from your bank account(s) only with explicit consent. This service is optional and further information will be available before using this provision.

We use AccountScore to obtain information from your bank account(s) only with explicit consent. This service is optional and further information will be available before using this provision.

Sharing your personal data with third parties

We may share your personal data with third parties such as:

  • A third party nominated by you, who acts on your behalf such as a relative, advice agency or legal representative;
  • Details of your account information and transactional history with a credit reference agency;
  • A third party who acts as our agent such as a debt collection agency, or our legal representatives;
  • A lender;
  • A third party where we are required by law such as enforcement agencies, judicial bodies, government entities, tax authorities, regulatory bodies and ombudsmen/reconciliation schemes.

How long will we keep your data for and how do we protect it?

We will retain your personal data for no longer than one year from the date of access unless.

You have entered into an agreement with us, whereby we will retain your personal data for six year from the date your agreement ends, or longer if required to do so by a regulator or by law. This will help us to answer any enquiries or resolve any complaints you may have. After this period, your personal data will be deleted and/or anonymised.

Safeguarding your personal data is paramount to the way we run our business. Data will be processed in a manner that ensures appropriate security of your personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage using appropriate technical and organisational measures.

Any personal data we collect from you will not be transferred outside the European Economic Area.

Your data rights

  • Access – you have the right to access the personal data we hold about you. This information is provided to you free of charge however, we can refuse to respond or charge a ‘reasonable fee’ when a request is manifestly unfounded, excessive or repetitive.
  • Rectification – you have the right to rectify inaccurate personal data we hold about you. If personal data is incomplete, taking into account the purposes of the processing, you also have the right to have incomplete data completed. If any personal data has been disclosed to a third party, such as a credit reference agency, we will also inform them that the personal data has been rectified.
  • Erasure – in specific circumstances, you can ask us to delete your personal data. If the processing of your personal data is necessary from compliance with a legal obligation, the establishment, exercise or defence of a legal claim then we will not be able to delete your personal data.
  • Restriction – in specific circumstances, you have the right to restrict us processing your personal data.
  • Portability – where technically feasible, you have the right to have your data transmitted by us to another data controller.
  • Objection – you have the right to object to us processing your personal data, unless we can demonstrate compelling and legitimate grounds for processing which may override your own interests, or where we need to investigate and protect us or others from legal claims.
  • Withdraw consent – where you have given consent to the processing of your personal data, you have the right to withdraw your consent at any time. This will not affect the lawfulness of processing which is based on consent prior to your withdrawal.
  • Complaints – if you wish to raise a complaint about how we have handled your personal data, you can contact us directly using the methods in this privacy notice. We hope that we can address any concerns you may have. You can also contact the Information Commissioner’s Office (ICO). The ICO helpline is 0303 123 1113 and you can find further information on their website: ico.org.uk

How we use cookies

We use cookies to collect information about how visitors use our website, for instance, which pages visitors go to most often and if they get error messages from web pages. These cookies are harmless and do not collect information that identifies a visitor; all information collected by these cookies is anonymous. We only use such information to improve our services and our website.

How to prevent the use of cookies

Most browsers automatically accept cookies but you can set your browser options so that you will not receive cookies and you can also delete any existing cookies from your browser. Visit www.allaboutcookies.org to find out how you can restrict or prevent cookies, depending on the web browser you are using. Please note, you may find that some parts of our website will not function if you refuse cookies.

Should you also wish to opt out of Google Analytics tracking across all websites please visit http://tools.google.com/dlpage/gaoptout

Links to websites of other providers third parties

Please note that this data privacy notice only applies to this service and we are not responsible for, and have no control over, information that is submitted to or collected by third parties, such as those where our website may provide links. You are responsible for reviewing and abiding by the privacy policies of these third party sites.

Breaches

If at any time we become aware that your data has been compromised, or that a breach of our systems and controls has occurred, which has an impact on the security of your data, we will notify the Information Commissioner’s Office, and you, without undue delay.

We reserve the right to suspend access to the services and/or any data or information derived from the service if we or any third party used within this service considers there is, or is likely to be a security breach, the consumer is misusing the services or data or any information derived from the data or the use of the services, data or information derived from the data is in any way detrimental to the customer or any third party used in this service.

Changes to the Privacy Policy

Due to the further development of our website, government regulations or the implementations of new technologies, this policy will be reviewed, and may change, from time to time. We reserve the right to change this data protection information at any time with effect for the future. The revised policy will be posted to this page so that you are always aware of the information we collect, how we use it and under what circumstances we disclose it. Last updated: 19 Jul 2019

Privacy Policy Updates

Due to the Internet’s rapidly evolving nature, FinTechWP may need to update this Privacy Policy from time to time. If so, FinTechWP will post its updated Privacy Policy on our Site located at www.fintechwp.eu and post notice of the change so it is visible when users log-on for the first time after the change is posted and may send you an email so you are always aware of what personally identifiable information we may collect and how we may use this information. FinTechWP encourages you to review this Privacy Policy regularly for any changes. Your continued use of this Site and/or continued provision of personally identifiable information to FinTechWP will be subject to the then-current Privacy Policy.

Information Collection and Use

You can generally visit our Site without revealing any personally identifiable information about yourself. However, in certain sections of this Site, to use certain services, we may require you to create an account, or we may invite you to submit questions or comments or request information, subscribe to a newsletter, participate in surveys, questionnaires or contests, or message boards. Due to the nature of some of these activities, we may ask that you complete and submit an online form with personally identifiable information such as your name, username, email address, zip code, contact information etc. If you have created an account, you may opt to provide additional personally identifiable information in your profile such as your age, gender and employment information. Providing any additional personally identifiable information beyond what is required to create an account is optional. We may use your personally identifiable information to deliver certain services, products or information you have requested, promote your job listings and personal profiles via our social networks and other means, verify your authority to enter certain password protected areas of the Site, send you notices for services that you have used or that may be of interest to you, and improve the content and general administration of the Site. We may receive your personally identifiable information from our partners that provide us with third-party services so that we can customize and improve the services that we may provide to you.

Children’s Privacy

FinTechWP is committed to protecting the privacy needs of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. fintechwp’s services and Site are not intended for and may not be used by children under the age of 16. FinTechWP does not knowingly collect personally identifiable information from children under the age of 16 and FinTechWP does not target its services or this Site to children under 16.

Cookies

We may use small text files called cookies to improve overall Site experience. A cookie is a piece of data stored on the user’s hard drive containing information about the user. Cookies generally do not permit us to personally identify you. Some advertisements that appear on this Site are delivered to you by our advertising partners. Our advertising partners may download cookies to your computer. Doing this allows the advertising network to recognize your computer each time they send you an advertisement. In this way, they may compile information about where you, or others who are using your computer, saw their advertisements and determine which advertisements are clicked. This information allows an advertising network to deliver targeted advertisements that they believe will be of most interest to you. We do not have access to or control of the cookies that may be placed by the third party advertisers.

Aggregate Information

The Site may track the total number of visitors to our Site, the number of visitors to each page of our Site, IP addresses, External Web Sites linked to, search terms and the domain names of our users’ Internet Service Providers, operating system and browser type, and we may analyze these data for trends and statistics in the aggregate, but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We also may collect aggregate information such as demographics including age, occupation, gender, salary information and labor statistics. Such aggregate information may be collected from data that you have provided to us via usage of the Site and/or public records, and is not unique to you nor is it linked to any personal information that can identify any individual person. We may use such aggregate information to analyze trends, administer the Site, track users’ movement, and gather broad demographic information for aggregate use. We may share this aggregate information with third parties, including for various reasons related to our business to assist them in targeting advertisements to appropriate audiences.

Disclosure

We may disclose your personally identifiable information and aggregate information to our partner entities that provide job networking services to us to improve the content and general administration of our Site. We may also disclose your personally identifiable information and aggregate information with other companies selected by FinTechWP or with strategic partners who will use it to provide information, products and services that you have requested, to personalize your experience or send you promotions and special offers they believe will be of interest to you. We will only share this information for use in accordance with this Privacy Policy. Any third parties with whom we share this information are bound by contract to use the personal information we share with them only for the limited purposes for which we provide it to them and to take reasonable measures to protect the confidentiality, integrity and security of your personal information. They may not use or share your personal information in a manner that would be inconsistent with our promises to you, and they must comply with all applicable privacy and data protection laws.

We will also disclose your personally identifiable information if we reasonably believe we are required to do so by law, regulation or other government authority. We may transfer your personally identifiable information to a successor entity upon a merger, consolidation or other corporate reorganization in which FinTechWP participates or to a purchaser of all or substantially all of fintechwp’s assets to which this Site relates. Such successor entity shall be bound by the terms and conditions of this Privacy Policy.

Links to Third Party Sites

The Site may provide links to External Web Sites. Such links do not constitute an endorsement by FinTechWP of those External Web Sites. You acknowledge that FinTechWP is providing these links to you only as a convenience, and further agree that FinTechWP is not responsible for the content of such External Web Sites. Your use of External Web Sites is subject to the terms of use and privacy policies located on the linked to External Web Sites.

Security

We may employ procedural and technological measures, consistent with industry practice. Such measures are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. FinTechWP may use firewalls, internal restrictions, password protection, physical lock and key and other security measures to help prevent unauthorized access to your personally identifiable information.

Correction/Updating Personally Identifiable Information

FinTechWP provides you with the ability to review, amend and delete any of the personally identifiable information that you have provided to us. You may access and review the information in your account at any time.

Processing of Personal Information

Our computer systems are currently based in the United States, so your personal data will be processed by us in the U.S. where data protection and privacy regulations may not offer the same level of protection as in other parts of the world, such as the European Union. If you create a user account with our Site as a visitor from outside the United States, by using our Site you agree to this Privacy Policy and you consent to the transfer of all such information to the United States, which may not offer an equivalent level of protection of that required in the European Union or certain other countries, and to the processing of that information as described in this Privacy Policy.

This is not real privacy policy and is created for demo purposes only.