PRIVACY POLICY

IMPORTANT USE OF YOUR INFORMATION

This is the Privacy Policy of AutoMoney of 139 Eastbank Street, Southport, PR8 1DQ. Your privacy and security is of the utmost importance to us. AutoMoney is committed to protecting the privacy of your personal information which we gain about you when you apply to us for a loan and when we manage your account.

Obtaining information

You are free to browse the website www.auto-money.co.uk without providing any personal or any other information whatsoever.

If, however, you wish to apply for any of our products and/or services then it will be necessary for us to collect information about you in order that we may consider your application further. This information is collected as follows: Directly from you:

Personal information such as full names, date of birth, marital status, details of dependents etc.

Contact information such as address, telephone numbers, email addresses etc.

Financial information such as details of any outstanding loans, mortgages and/or other credit.

The data is volunteered by you and collected via an online application form or alternatively you may print out our application form and complete and return this via the post.

From third parties

Information about you in support of your application. This may include references in respect of your employment.

Your actions on our site

This can show us for example which elements of the website you use most and least.

You have the right to know how we will use your personal information

The information we collect about you will be recorded electronically and may be used in the following ways:

• To enable us to consider your application for a loan or any other product or service.
• To contact you in connection with your enquiry.
• To extract certain information for the purpose of generating statistics for our own internal purposes.
• To update our website to better meet our customers needs in the future.

Sometimes we'll share your information with carefully selected 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. We may share this information for the following reasons:

• 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 they can provide you with information about products and services that may be of interest to you.
• 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 may disclose your Personal Information to Experian Limited or other credit reference and fraud prevention agencies. We will make searches of your details with credit reference and fraud prevention agencies when we consider your application. We will also give details of how you manage your account to credit reference agencies. The information which we give to fraud prevention agencies and credit reference agencies will be recorded by them and shared with other organisations.

We will keep your information no longer than is necessary. However;  

• We will keep the information we need to enable us to provide you with the 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 or 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.

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

You give us your consent by choosing to opt in or out on the application form and also by reading and acknowledging you have read the "Privacy Policy" and also "Terms and Conditions" sections of the application form. You can change your mind or remove or add your consent at any time.

We may pass information about you and your agreement to anyone we have appointed to help administer your agreement or to recover amounts owing or to anyone to whom we transfer the agreement.

Countries in the European Economic Area (EEA) are required to have a similar standard of protection of personal data. This is not always the case outside that area. We may transfer data outside the EEA (including to our associated companies in the USA) and will ensure before we do so, that there is adequate protection as required by the relevant Data Protection legislation

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 tell you about these using a range of methods, including electronic communications, such as the telephone, SMS, or e-mail. 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 write to us at AutoMoney, 139 Eastbank Street, Southport, PR8 1DQ.

You have the right of access to your personal records or other information that we hold about you.  We may charge you £10.00 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 form 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.

Some telephone calls may be monitored or recorded for the purposes of maintaining and improving our service standards or for training our staff.

To revise your consent, access, amend or delete your records you should contact us at 139 Eastbank Street, Southport, PR8 1DQ.

Security and Confidentiality

Appreciating that both privacy and security of your information is of the utmost importance, Quick Click Loans Ltd have implemented technology and security policies, rules and measures to protect personal information we hold about you. We protect your information by:

• Utilising an encryption and authentication process to protect our online services. This process ensures that information is scrambled before it is transmitted so that it remains private even if it is intercepted.
• 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 are assured. We 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

We may use third party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies or action tags is completely anonymous.

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 are not responsible for their privacy practices or, site content or the services they offer.

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.

Children

Quick Click Loans Ltd does not knowingly collect data on or from children.

What this Privacy Policy does not cover

This policy does not apply to the practices of companies Quick Click Loans does not own or control, or to people we do not employ or manage.

Changes in the Privacy Policy

Quick Click Loans Ltd 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 06/09/2010.

Contact details

Should you have any queries or require any information about this Privacy Statement or Quick Click Loans and the Data Protection Act then these should be direct to the Data Protection Officer, Quick Click Loans Ltd, 139 Eastbank Street, Southport PR8 1DQ.