2.How we use your information:
2.1. We use information held about you in the following ways:
2.1.1. to process and submit your Application Form ourselves or to:
– credit brokers
– alternative lenders, peer to peer lenders, guarantor lenders, logbook loan lenders and Bybax
– third party marketing providers of financial service products
– third party marketing providers of credit reports
– third party marketing providers of lottery products
2.1.2. to provide you with the best possible service;
2.1.3. to notify you about changes to our products and services.
2.2. In addition to the above, we may disclose your personal information to third parties:
2.2.1. to prepare or send any communications to you, or to assist us in connection with any of our administrative or business functions, or in the provision of any of our services to you;
2.2.2. if the Company or substantially all of its assets, are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets;
2.2.3. if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Website Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
2.3. It is sometimes necessary the Company to transfer information held about you to lenders based outside of the European Economic Area. The Eighth Data Protection Principle of the Act restricts the transfer of personal data to a country outside the European Economic Area unless that country or territory ensures an adequate level of protection for the rights and freedoms of data subjects. By submitting your Application Form you consent to this transfer. You may withdraw your consent at a later date by writing to us at Butler Westbury, at 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA, UK or emailing us at firstname.lastname@example.org.
2.4. We and the third party lenders to whom you agree we may send your data may also use it for marketing purposes to provide you with data about goods and services which may be of interest to you, and we may contact you about these by post, SMS and E-mail.
2.5. When you submit an Application Form you will be required to consent to the passing of your information to third parties who may use it to assess your creditworthiness and contact you directly in respect of your application for credit or for marketing purposes. If you do not wish to receive communications from our Advertising Partners offering goods or services which may be of interest to you, then do not submit an Application Form via the Sites.
2.6. If you wish to opt-out of receipt of marketing communications from us at any time you may do so by writing to us at Butler Westbury Limited, 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA, UK or emailing us at email@example.com.
2.7. If you opt-out of our use of your data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry.
2.8. From time to time our Sites request information from user via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name or address) and demographic information (such as age and gender). Contact information will be used to notify the winners and award prizes. Survey information will be used for the purpose of monitoring or improving the use and satisfaction of the Sites.
2.9. Any information or statistics relating to our business that we disclose to others shall not identify you personally. We may, for example, perform statistical analysis of the behaviour of the users of our Sites in order to measure interest in the various areas of our Sites and to inform advertisers as to how many consumers have seen or “clicked” their advertising banners. This information, and any other general information about our users that we share with advertisers and other partners, will not disclose personal information about you.
On submitting your personal information to Butler Westbury Limited you are consenting to us checking the following:
- Our internal databases and records
- Credit reference agencies and bureaus that could leave a footprint on your file that is visible to other lenders.
- Fraud prevention agencies
We will provide you with access to any information we have about you in accordance with the Privacy Act. If you would like to access this information please contact us by writing to us at Butler Westbury Limited, 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA, UK or emailing us at firstname.lastname@example.org. Some information may be required by the local law, legal enforcement procedures or other bodies with relevant powers or jurisdiction. If you do not provide all of the information requested, we may not be able to provide you with our products or services effectively or at all.
We do our best to protect your personal and bank data that you have shared with us. We protect that information in transit using secure socket layer (SSL) encryption technology. Butler Westbury Limited uses firewalls and the latest encryption technology to ensure our web site is secure and that all customer data is protected and encrypted.
We may contact you by phone, fax, post, email and SMS to tell you about our products, services and promotions. We will only do this if you have agreed to it in your application form.
You have a right to opt out of us contacting you for marketing purposes or sharing information about you with other companies for marketing purposes by contacting us at: email@example.com or by sending us a written letter to: Butler Westbury Limited, 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA, UK and letting us know your decision.
We may also add to your record with the credit reference agencies details of any agreement you make with us, the payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by us, and others, in order to consider other applications for credit and credit related services such as insurance you may make; to trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your accounts. It is important that you provide us with accurate information.
Sharing your data