Privacy Policy This is the privacy statement of Instant Cash Loans Limited and Cash Centres Limited who together trade as the Money Shop. We understand that your privacy is extremely important to you. As a result 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 also in accordance with the Data Protection Act 1998.This statement provides you with details of the type of information we may hold about you, how we obtain and use any information and how we protect your privacy.
Obtaining information
You are free to browse the website www.moneyshop.tvwithout providing any personal or any other information whatsoever.
If however you e-mail a question to moneyshopinfo@dfguk.com, register your interest, enter any competitions or wish to claim either of our £5 cashback vouchers then it will be necessary for us to collect information about you in order to forward by return e-mail a reply or redeemable voucher. The information that is usually collected is as follows:
Directly from you: Personal information such as:
Full name
E-mail address
Home address
Telephone Numbers if provided
From what you do on our site: This can show us for example which elements of the website you use most and least.
Use of Collected information
The information we collect about you will be recorded electronically and may be used in the following ways:
To verify your identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
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 become owed by you.
To develop, manage and market products and services to meet your needs, to contact you for products and services that may be of interest, to determine your eligibility for different products and services that you may be interested in.
To help us to administer and service your account with us..
To contact you in connection with your enquiry.
To extract certain information for the purpose of generating statistics for our own internal purposes - it will not however be possible to identify individuals from these statistics.
To update our website to better meet our clients needs in the future.
Sharing your information with third parties
Sometimes we'll share your information with carefully selected third parties outside the Money Shop. We may do this for the following reasons:
To provide you with a loan. As brokers as well as direct lenders, our products and services are sometimes provided in conjunction with our business partners. It will therefore be necessary to disclose your information to them to provide you with the products and/or services you require.
To provide you with information about special promotions and offers. If you have given your consent by choosing not to opt out, we may share some of your information with carefully selected third parties so that they can provide you with information about products and services that may be of interest to you.
To protect the Money Shop or others. We may share your information with third parties when we believe it is necessary to comply with the law or protect our or another person's rights, property, or safety. This includes exchanging information with third parties to protect against fraud and reduce payment risks.
If there is (or is to be) any change in ownership of our business or assets then we may wish to share your information so that the new owners may continue to operate our business effectively and continue to provide services to our customers. This may include new shareholders or any organisation that might take an assignment or transfer of any agreements we have entered into with our customers.
We will only deal with third parties that we trust to act in our customers' best interests and who treat our customers' information with the same stringent controls that we apply ourselves.
Credit Reference & Fraud Protection Agencies
Credit reference agencies (CRAs) collect and maintain information on consumers' and businesses' credit behaviour, on behalf of lenders in the UK. Although you have applied to us, The Money Shop, and we will check our own records, we will also contact CRAs 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 any lending decisions. We may collect the fiollowing information;
Information on your personal accounts
Financial information on 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 that is supplied to us will be sent to the credit reference agencies, who may keep a record of that information. If you give us 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.
Use of your information outside of the UK
By choosing to register and transact with The Money Shop you will be choosing not to opt out of the transfer of your information to an associated company of ours, a service provider or agent in another country including outside of the European Union, we will make sure that such organisation agrees to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us.
For information about our Group Privacy Policy, including those companies outside of the European Union you should refer to www.dfg.com
Methods of Contact
Unless you have advised us to the contrary, both we and any other broker, lender or third party referred to above may contact you by telephone, letter, e-mail or fax.
How Long Do We Keep Your Information?
How long we keep your information for depends on the basis on which it was provided, generally 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 of six years. This is so that we can respond to any complaints or disputes that arise in that period.
We will keep other information about you if it is necessary for us to do so to comply with the law.
Your Consent and Rights of Access
We will only collect and store information about you, with your consent.
From time to time we would like to contact you with offers relating to products of ours which we think you might be interested in. We may also wish to share some of your information with third parties so that they can also provide you with information about products and services that might be of interest to you. If you do not wish to receive such information please tick the box on the appropriate form when you fill out your details.
You have the right of access to your personal records or other information that the Money Shop holds about you. The charge for this service is £10 for each request.
If any data or information we hold about you is inaccurate or out of date then please let us know and this will be corrected immediately.
You can be deleted from our databases. Please note that this will not delete information held about you on other third party databases or information, which we are required to hold for legal or regulatory purposes.
To revise your consent, access, amend or delete your records you should contact the Data Protection Officer, Money Shop, Castlebridge Office Village, Castle Marina, Nottingham NG7 1LD Email: moneyshopinfo@dfguk.com
Security and Confidentiality
Appreciating that both privacy and security of your information is of the utmost importance, the Money Shop have implemented technology and security policies, rules and measures to protect the personal information we hold about you.
We protect your information by:
Ensuring that your information is kept securely in our databases and offices. We only allow our employees and trusted contractors access to your information, and then only if they need it for a specific authorised task. The computers on which we store your information are kept in a secure environment.
Ensuring that we only pass your personal data to third parties where security and confidentiality is assured.
We will take all reasonable steps to protect your information, but data can never be guaranteed 100% secure. Please note that we will not be liable for any breach of security unless we have been negligent.
Cookies
The Money Shop do not use cookies at the current time.
Links to other sites
This website may from time to time include links to other sites. We make every effort to provide links to high quality, reputable sites but we're not responsible for their privacy practices or, site content, or the services they offer.
Sensitive Information
Information given by you which is considered sensitive information in the Data Protection Act 1998 includes information about your medical or health conditions, racial or ethnic origin, political opinions, religious or philosophical beliefs, sexual orientation and other information which you identify as sensitive. By providing this information voluntarily you give consent that this information may be transferred as per Use of Your information outside the UK to another company within the Money Shop group. We will not send sensitive information about you to any other third party without your express consent.
Telephone Calls
If you call any of the telephone numbers quoted on this website we may record your call. These recordings are used for training and quality control purposes to ensure that we continuously monitor and improve our customer service standards.
Aggregated Information
We use aggregated customer information to help us understand how our website is performing commercially and what we can do to improve performance. We may provide this information to other companies, such as third party advertisers. This information does NOT include any personal details that can be used to identify individuals.
What this Privacy Policy does not cover
This policy does not apply to the practices of companies the Money Shop does not own or control, or to people The Money Shop does not employ or manage.
Changes in this Privacy Policy
The Money Shop may amend this privacy policy from time to time. If any amendments are made then a notice will be posted on this website. This privacy policy was last updated on 19th June 2009.
Contact Details
Should you have any queries or require any information about this Privacy Statement or Instant Cash Loans Limited and the Data Protection Act then these should be directed to the Data Protection Officer, The Money Shop, Castlebridge Office Village, Castle Marina, Nottingham NG7 1LD Email: moneyshopinfo@dfguk.com
To find out more information about how credit reference agencies use your data you can contact 3 agencies currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee;
CallCredit, Consumer Services Team, PO Box 491, Leeds LS3 1WZ or call 0870 0601414
Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log onto www.myequifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0870 241 6212 or log onto www.experian.co.uk
If you want to receive details of those fraud prevention agencies from whom we may obtain and with whom we may record information about you, write to us at the above address
