Cash Converters (UK) Limited (CCUK) and Cash Converters franchisees ("we", "us" or "our", "the group", "Cash Converters") collect personal information to provide you with the products and services you request as well as information on other products and services offered by or through us. We are committed to protecting the privacy of your personal information.
CCUK is a company registered in England and Wales with company number 03096334. Our registered office is Cash Converters (UK) Ltd, Innovation House, Aston Lane South, Preston Brook, WA7 3FY. CCUK is the franchisor to the franchisee owned store network in the UK. Each franchisee owned store is independently registered with the Information Commissioner's Office.
Any information you provide us, either using the internet or by any other means, is only collected for purposes which are reasonably necessary for, or directly related to, one or more of our business functions, products or activities. Products that require the collection of information include: Personal Loans, Cash Advance, Pawnbroking loans, Buyback, Buys and Laybys, and online purchases through the website. Please note that third party' brokers provide their own specific privacy notices.
These purposes include using and processing your information:
If we undergo re-organisation or are sold to a third party, you agree that any information we hold about you may be transferred to that re-organised entity or third party.
If you choose not to provide information which we require for the above purposes, we may be unable to provide you with the goods and services you request from us.
We will not otherwise transfer, disclose, sell, distribute or lease your personal information to third parties unless we have your permission to do so or are otherwise required or permitted to do so by law.
The personal information we collect from you is used to enable us to provide the specific service or product you have requested in store or is information required to assist you in using our website.
Personal information includes the following:
In some instances, we may be provided with other types of information classified as Special Category Data. For example:
Data provided by you is done so voluntarily but we may also collect it where lawful to do so from (and combine it with information from) fraud prevention agencies, public sources, third party service providers (such as Experian Limited trading as HD Decisions who may conduct a soft credit search as part of our "identity confirmation service"), tax or law enforcement agencies and other third parties. We may also collect personal information about you from your use of our websites or services.
If you visit our website to read, browse or download information, our system may record the following information which is provided by your browser:
Website data is kept strictly confidential. It is used for internal research purposes and to provide goods and services that you request. It helps us monitor which sections of the site are most popular to give us a clear idea of what type of information and services to include on our site. It also informs us which members and subscribers are using the site so that we can customise the website information and presentation.
When you use one of our web sites, we may send you a "cookie" that gives you a unique identification number. A "cookie" is a packet of information that allows the server (the computer that houses the website) to identify and interact more effectively with your computer. A different identification number is sent each time you use one of our websites. These cookies may be Session cookies which only last until you close your browser, or they may be Persistent cookies which are stored longer term on your computer. Cookies do not identify individual users, although they may identify a user's browser type and your Internet Service Provider (ISP).
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. Please refer to your browser instructions or help screens to learn more about these functions. If you reject all cookies, you may not be able to use our websites or certain website functions may not work properly or at all.
|Cookie Name||Cookie Type/Duration||Category||Purpose|
|Session ID as set by IIS||Session||Strictly necessary / functionality||Cookies for the storing of user data during a session. Associates a user with their application.|
|Cookie message||Persistent for 2 months||Functionality||Identifies when a customer has acknowledged the cookie message (at the top of the website) to prevent it reappearing.|
|Persistent for up to 2 years
|Performance||These cookies collect information about how visitors use a website, for instance which pages visitors go to most often.|
If you decide to complete an online application form, we will collect the information that you enter into the online form and the IP address of your computer. If you cancel your application prior to submission, any information entered on the current screen which has not yet been submitted, will be automatically deleted. Information you have already submitted to us prior to you cancelling your application may be used to contact you about your application, after which it will be automatically deleted. The deletion referred to above will happen within a reasonable period of time but in any event, no longer than 30 business days.
We may also record telephone conversations and CCTV images to offer you additional security, resolve complaints, for staff training purposes, to improve our service standards and for fraud prevention measures.
We will not give your information to Government agencies, private sector organisations or anyone else unless one of the following applies:
Depending on the product or service Cash Converters has provided you with, we may disclose information to:
We may wish to provide you with information about new products, promotions, special offers relating to Cash Converters, group companies and franchisees and other information which may be of interest to you and invite you to take part in market research. This communication may happen by post, telephone, email or SMS (unless you have asked us not to do so). We will obtain your consent where we are required to do so in accordance with the GDPR.
We will ensure that any direct marketing or market research that you receive or are contacted about by electronic means will provide a simple means for you to refuse further marketing. For example, in emails it may provide you with an ‘unsubscribe' link, or an email address to which you can send an opt-out request.
We will stop any marketing to which you object or withdraw your consent. You can change your mind at any time about marketing by informing us by telephone on 01928 737410.
Your data may be used for other purposes for which you gave specific permission, when required by law or where permitted under the terms of the GDPR.
We use several advertising companies to devise and deliver our online advertising. This often involves displaying banner advertisements on third party websites.
When you see one of our advertisements on a third party website, cookies and, in some cases, Spotlight tags are sometimes used to collect information such as:
When you visit our websites directly or after seeing one of our advertisements on a third-party website, anonymous information is collected on how you use our website. This might include which pages you view, and whether you start or complete an online application. The tracking companies aggregate all the captured information and use it to study internet user behaviour patterns.
They do not include personal information in their studies and use the data mainly to measure advertising effectiveness and relative consumer interest in the various areas of our websites. No personal information is collected during this process. If, however, any information is automatically collected, the tracking companies are required under their arrangements with us to maintain the privacy and confidentiality of that personal information.
We may disclose the information collected, in an aggregated form only, to third parties including advertisers or potential advertisers.
Our websites may contain links to non-Cash Converters websites. While such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not be the same as ours and we encourage you to read and understand the privacy policies on these websites prior to providing any information to them.
The personal information you provide to us is processed in the UK. It may be transferred to other group companies and to franchisees as described in previous paragraphs. Some of the companies to whom your personal information will be disclosed are located outside of the European Economic Area ("EEA"), in countries which do not provide the same level of protection to personal information (such as Australia and the United States). We will take steps to ensure that your personal information will be afforded the level of protection required of us under applicable data protection regulation and this notice.
You may request details of personal information which we hold about you under the GDPR at any time (a Data Subject Access Request or DSAR). No fee will be required, although reasonable fees can be charged for manifestly unfounded or excessive requests. Your request will be responded to within one calendar month or any earlier time limit prescribed by law.
You have the following rights:
Please note that we reserve the right to retain certain information for our own record-keeping (for example, to ensure that you do not receive marketing communications that you have opted-out of receiving) and to defend ourselves against any claims. We may also need to send you service-related communications relating to the goods or services that we provide to you even when you have requested not to receive marketing communications.
If we make any changes that we think are material in the way we collect, use, and/or share your Personal Information, we will notify you by sending an email to the email address you most recently provided us in your account or registration (unless we do not have such an email address), and/or by prominently posting notice of the changes on our website. If we add new cookies to our website, change the data collected by current cookies, or what we use that data for, we will let you know the next time you visit our website and ask for your consent to their use.
If you have a question, want to exercise your rights or make a complaint, please contact us using the details below and your question will be responded to as soon as possible and/or in accordance with our Complaint Policy.
If your question refers to a franchisee owned store we will forward the question within 24 hours between Monday and Friday.
Cash Converters (UK) Ltd, Innovation House, Aston Lane South, Preston Brook, WA7 3FY, email firstname.lastname@example.org.
Financial Ombudsman Service
Tel: 0800 234 567
This was updated on 13 April 2018