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.
For the purposes of the Data Protection Act 1998, Nextcredit Ltd. is the registered Data Controller.
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:
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.
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.
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.
We may share your information with:
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.
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.
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 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.
Those under the age of 18 are not eligible for our services.
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.
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 firstname.lastname@example.org 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.