PRIVACY POLICY

How we use your information
Important – the information on this page explains how we use any personal information we collect about you and your rights under the Data Protection Act.
What is your policy on Privacy?

Nextcredit Ltd. is committed to protecting your information when you apply for a loan with us or when you use our services. Of course, maintaining your trust is our top concern, so we adhere to the following principles to protect your privacy.

  • We do not rent, sell, or otherwise provide your personally identifiable information to third parties without your consent, except as described in this policy (or as set out in your credit agreement), or as required by law.
  • All information that you provide will be protected with industry standard protocols and technology and in compliance with the Data Protection Act.

For the purposes of the Data Protection Act 1998, Nextcredit Ltd. is the registered Data Controller.

Why do you collect information about me?

Personal information which you supply to us, and the companies who work on our, or your behalf, may be used in a number of ways, for example:

  • To provide you with the products or services you purchase from or through us.
  • To respond to your requests, enquiries or any complaints.
  • To administer your product/s and/or account/s.
  • To make lending decisions.
  • For debt collection.
  • To trace your whereabouts.
  • For crime detection, prevention and prosecution and to keep our website safe and secure.
  • To send you information about other products or services that may be of interest to you.
  • To put you in touch with other companies whose products or services may be of interest.
  • For enhancing your online experience.
  • For statistical analysis and market research, for example, so we can better understand our customers and consumers in general.
  • Checking details of job applicants and employees.
What information do you collect?

Information we collect includes the information you give us (for example, when you complete an application form or register for an account with us), the information we acquire from third parties and information which is generated by you – including your use of our website, how you arrived at our website in the first place and information about your operating system, IP address and browser type.

We also collect information about your personal circumstances and your financial situation to enable us to decide whether we can offer you a loan and / or to find out which products may meet your needs and / or to agree repayment arrangements with you.

We may need to check or verify the information you’ve told us. For example, we may ask you to send in documents such as utility bills or pay slips.

We, and the companies which work on our behalf, may serve you adverts on other websites about things which you’ve shown an interest in on our own website.   This is called retargeting advertising.

Please note that, for quality and training purposes, telephone calls to and from our office are recorded and monitored.

Links to other websites

Our site may contain links to other websites. The information contained within this notice does not cover those links. You should read the privacy statements on the other websites you visit, or contact those companies for information on how they collect and use your information.

Is my information secure?

We take security of your information very seriously indeed and we maintain appropriate safeguards to ensure the security, integrity and privacy of the information you have provided.

However, since the internet is not a 100% secure environment, we cannot ensure or warrant the security of any information you transmit to us. We have controls and processes to minimise the risk of a data breach occurring.  In the event that a breach does occur, we will take appropriate steps to notify you if you are adversely affected and will try our best to minimise the impact.

Who do you share my information with?

We may share your information with:

  • Companies who work on our or your behalf (for example, our debt collection partners and those who manage our blog);
  • Credit reference agencies;
  • Fraud prevention agencies;
  • Our company group;
  • Government, law enforcement agencies, the courts and regulatory bodies when legally obliged to;
  • Other specific companies where you have expressly consented;
  • Third parties you have asked us to discuss your account with and for whom you have given your specific consent for us to do so. For example, a parent, carer, helper or other nominated third party;
  • Any person to whom we sell or transfer (or enter into negotiations to sell or transfer) our business or any of our rights or obligations under any agreement we may have with you. If the transfer or sale goes ahead, the transferee or purchaser may use your personal information in the same way as us;
  • With any payment system / payment services provider we may use.
Sharing your data with third parties

If you’ve previously indicated to us that you’d like to hear about the products and services of our group, or other carefully selected companies, we or they may contact you by post, telephone, email or SMS. You can change your preferences / unsubscribe at any time – or just send us an email.  We’ll action your request as soon as we reasonably can.

Do you send information outside of the European Economic Area (EEA)?

Although we do not routinely transfer personal information outside the EEA, we may be required to transfer your personal data to staff or to one of our suppliers who are based outside of the EEA. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

What are my responsibilities?

It is your responsibility to provide us with honest, accurate and up to date information both when you apply for a loan with us and during our relationship with you.

If false or inaccurate information is provided to us and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention agencies may be used can be found in the credit agreement we will provide you with prior to your applying for a loan with us. Once you have been approved for a loan, your credit agreement can be accessed via your online account, by using the login details we will provide you with.

You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications at all times. There are some simple steps that you can take to keep your information secure; www.getsafeonline.org provides practical advice on how to protect yourself, your computers and mobile devices against fraud, identity theft, viruses and many other problems encountered online.

What are cookies and how do you use them?

A cookie is a small file of letters and numbers that is downloaded to your computer or device when you visit a website. Cookies are used by many websites and can do a number of things such as remembering your preferences and counting the number of people visiting a website.

We, and the companies who work on our behalf, use cookies and other tracking technologies on our websites.  Please read our Cookies Policy for more information.

How long do you keep my information?

We will only keep information about you for as long as we need to and we take steps to ensure that any companies that process your information on our behalf do the same.

How often do you change your policy?

We keep our privacy policy under regular review. If we make material changes to our policy, we will notify you at the foot of this page so that you may access and review the changes in advance of your continued use of our services. You should therefore view this page regularly to see what changes, if any, have been made.

Children / Minors

Those under the age of 18 are not eligible for our services.

What shall I do if I have any questions or concerns?

If you have a question, complaint or query with regards to how we use your information, please contact us and we will do our best to resolve it as soon as possible.  If it’s a complaint concerning your data security and we have failed to deal with it to your satisfaction, you can log your complaint with the Information Commissioner.

We take the quality of the service we provide seriously, and all our calls are therefore recorded for monitoring and training purposes.

How can I access or change the information you hold about me?

If for any reason you are concerned that the personal information we hold about you is incorrect, or if you would like your personal information removed from our records please contact us by email at info@nextcredit.co.uk and we will be happy to review, update or remove information, as appropriate. We will keep your information unless you ask us to remove it. If we can’t remove your information immediately, we will tell you why and explain to you when we will be able to remove it.

If you would like to request a copy of the personal data we hold please contact the Data Protection Officer using the email above or at the address on our website. Any request may be subject to a £10 administration fee.