WEBSITE PRIVACY NOTICE

Your personal data privacy is very important to us which is why we have published this notice for your information purposes. This is designed to explain what, why and how we use your personal data as well as provide you with information regarding our regulatory authority.

Who is the Data Controller?

Harvey and Thompson Limited (www.handt.co.uk/) of Times House, Throwley Way, Sutton, Surrey SM1 4AF
We are registered with the Information Commissioner's Office with registration number Z5870831. Our Data Protection Officer can be contacted via the above postal address or via email at DPO@handt.co.uk

The types of personal data we collect

 

We collect personal customer data; the amount of data and type of data depends on the transaction type. Sensitive and personal data can also be captured in certain circumstances, where this is the case, the data will only be captured and stored with consent.
We only collect personal data we actually need for our specified purposes.

The purpose of the processing of data

We use your personal information for a variety of reasons related to providing you with our products and services, our business activities and administration, and compliance with our legal and regulatory obligations.
Where you have applied for a credit product (such as a pawnbroking agreement) our reasons also include processing and assessing your application for credit and the administration of your loan or pawn agreement. We refer to this as a "credit product".
Where you are using one of our other services, such as a foreign exchange transaction, this is to provide you with services and to manage our risk. We refer to these as "money services”.
Where you provide your consent, we may use it to send you electronic marketing.

What is the lawful basis for these uses?

In most cases our use of your information is necessary and carried out on the following legal grounds:

  • for the performance of a contract with you (such as your credit product or money services).
  • where necessary for our legitimate interests (such as the proper administration of our business and managing our legal risks); and
  • where necessary in order to comply with a legal obligation (for example making reports to our regulatory authority or to law enforcement agencies).
Where our use of your data is not necessary for one of the purposes outlined above, we may seek your consent to use it in a particular way, for example if we want to send you marketing information, ask you to provide feedback or you tell us about a change in circumstances relating to your health.
Where we ask for your consent, you may refuse and can withdraw your consent at any time by contacting us using the details set out below.

What information about you do we use

We collect and use the following information about you:
  • information about you including your contact and personal details and, if you are applying for a credit product, information about your financial circumstances;
  • if you are taking out a credit product, information provided to us by any loan broker that introduced you to us;
  • if you are taking out a credit product or using a money service, information about you from third party organisations to verify your identity and, in the case of credit products, , Fraud Prevention Agencies (FPAs) and tracing agents;
  • information obtained from other public data sources which might include data from the electoral roll, public records including county court judgments, and bankruptcy and
  • insolvency data to the extent this is necessary and justified on one of the legal bases above;
  • information about your use of our website (see the Privacy Notice on our website for details) and call recordings when you speak to us over the telephone; and
  • information you (or your third-party representative(s)) provide us with or share publicly to the extent this is necessary and justified on one of the legal bases above. CCTV footage and audio from H&T store estate.

When might we collect and use sensitive information about you?

We always seek to treat customers fairly and be responsive to their individual needs. Sometimes you may disclose some types of information that are classed as sensitive under the law. A common example of this is information about your mental or physical health. We will ask your consent to record this information. Not agreeing to us recording this information may impact on our ability to make adjustments for your circumstances. We collect this information with your consent only so that we can treat you fairly and according to your needs.

Who do we share your information with?

We may share your information with:

  • the broker who introduced you (if applicable);
  • third-party service providers, such as tracing agents, our legal advisors, our auditors and professional service providers and our website support;
  • law enforcement agencies or regulatory bodies where we are required to do so;
  • other members of our group of companies, and any purchaser or proposed purchaser of all or part of the same or their assets, together with their professional advisors;
  • you or your third-party representatives (in line with your rights); or
  • any person or persons seeking to acquire all or part of our business and/or assets and any potential assignees of your credit agreement, along with their third-party advisors;
  • third parties including other pawnbrokers and/or credit providers, where we believe, in good faith, that this is necessary to prevent or investigate fraud, theft or other criminal activity and in order to protect our rights, property, safety or reputation or the rights, property, safety or reputation of any of our clients or partners.
  • Customer satisfaction review agencies
  • Where we share your data we will always seek to implement reasonable safeguards to ensure it is safe.

Records remain on file with CRAs and FPAs for 6 years after they are closed, whether settled by you or defaulted. This information may be supplied to other organisations which search your credit record. More information about CRAs and how they use personal information is available in the Credit Reference Agency Information Notice (also known as the "CRAIN") at www.experian.co.uk/crain/index.html or you can contact the agencies below: 

TransUnion

Consumer Services Team, PO Box 491, Leeds, LS3 1WZ Tel: 0330 024 7579 or visit www.transunion.co.uk/crain

Equifax PLC

Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US Tel: 0870 010 0583 or visit www.myequifax.co.uk

Experian 

Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF Tel: 0870 241 6212 or visit www.experian.co.uk

Fair Processing Notice

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by accessing the CIFAS Fair Processing Notices (www.cifas.org.uk/fpn).

Where is your information stored?

The information we collect about you will be held on our secure servers within the European Economic Area (the EEA) and will not be transferred or stored outside the EEA.

How long will your information be kept on file?

We keep your information for as long as it is needed to provide you with the services you have requested and, to the extent it is necessary for the protection of our legitimate interests, for six years from the date it is provided to us. In some limited cases we are required to keep certain information by law. If you would like to know more, please contact us.

 Your rights

Right of access

You have a right to access the personal information we hold about you and be told why we use it

Right of rectification

You can ask us to correct or update your information to ensure it is accurate and complete.

The right to erasure/be forgotten and right to restrict processing

You can ask us to stop processing and to delete your data in certain circumstances (for example where it is processed with your consent, or it is no longer necessary for us to process it).

Right to data portability

You have a right to ask us to provide you with information in a form that suits you, and/or to provide your information to a third party.

Right to object

You have a right to object to our processing of your information.

Rights: profiling and automated decisions

You have a right not to be subject to automated decisions which have a legal effect and to be protected by safeguards in respect of any profiling.

Right to object to direct marketing

Where you have consented to receive direct marketing you can change your mind at any time by contacting us or following the directions in each message. Please allow a few days for us to action your request.

Rights in relation to CRAs

You have a right to be told which CRAs we have used and obtain a copy of your file from CRAs.

You have the right to withdraw consent for our processing of your personal data at any time. You can do this in any of our stores, via the business postal address or via email at DPO@handt.co.uk

You can find out more or exercise the above rights by contacting us. Further information is also available from the ICO's website (www.ico.org.uk).

Website use

When you make an enquiry or shop on this website, we will ask you to input and will collect personal information from you such as your name, email address, billing address, delivery address, telephone number, product selections, credit card, or other payment information, photographs, and a password. We may also collect, information about where you are on the internet (e.g. the URL you came from, IP address, domain types like .co.uk and .com), your browser type, the country and telephone area code where your computer is located, the pages of our website that were viewed during your visit, the advertisements you clicked on, and any search terms that you entered on our website ("User Information"). We may collect this information even if you do not register with us.