Effective date: May 1, 2023
- Who we are?
- What is personal data?
- Your duty to inform us of changes to your personal data
- Third-party links
- The data we may collect about you
- If you fail to provide personal data
- How is your personal data collected?
- How we use your personal data ?
- Disclosures of your personal data
- False information and Fraud Prevention Agencies (“FPAS”)
- Data security
- Data retention
- How can you control your personal data?
- Can you withhold information?
- Credit Reference Agencies (“CRAS”)
- Where we store your personal information
- Overseas transfers
- Your legal rights
- How can you access personal data?
1. Important information and who we are
3. WHO WE ARE
Email address: email@example.com
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk) We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
4. WHAT IS PERSONAL DATA?
Personal data is defined by the UK GDPR and the Data Protection Act 2018 (collectively, “the Data Protection Legislation”) as “any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier”.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
6. YOUR DUTY TO INFORM US OF CHANGES TO YOUR PERSONAL DATA
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
7. THIRD-PARTY LINKS
Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.
Before filling in your personal details please ensure that you are doing so on our website to avoid unauthorised use of your personal data by any third party.
8. THE DATA WE MAY COLLECT ABOUT YOU
Personal data, or personal information:
a. Includes any information about an individual from which that person can be identified; and
b. Does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together including as follows:
a. "Identity Data" may include first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.
b. "Contact Data" may include past and present billing addresses (if you are a borrower), delivery address, email address, telephone numbers, company details, contact details of any representatives.
c. "Financial Data" may include bank account, building society or any other payment account, your credit history, credit score and credit rating.
If you are a borrower or a director, partner, member, shareholder, beneficial owner or guarantor of a borrower, we may collect information (which may include non-personal information) including such as:
a. information about your business or company including personal credit information;
b. credit reference checks (see section 18 below for more detail);
c. electoral register information;
d. fraud prevention information; and
e. passwords and answers to security questions.
Additionally, we may collect the personal information which you provide as part of registration and application processes (including, if you are a borrower, agent or relevant lender, certain personal data, identity verification, contact details and financial information about directors, partners, members).
a. "Transaction Data" may include details about payments by you for the services provided by us;
b. "Technical Data" may include internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website.
c. "Profile Data" may include your username and password, your interests and preferences
d. "Usage Data" may include information about how you use our website and services.
e. "Marketing and Communications Data" may include your preferences in receiving marketing from us and our third parties and your communication preferences
We do not collect any "Special Categories of Personal Data" about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
If you provide to us personal information belonging to someone else:
If you provide personal information about other people (for example, if you represent a borrower and you provide information about directors, partners, members, shareholders or beneficial owners other than yourself) then you must:
a. seek their prior consent; and/or
when providing information about other people, ensure that you have all relevant permissions and authority: (i) to make all necessary disclosures; (ii) to act on their behalf; and (iii) in relation to partners, members, shareholders or beneficial owners of borrowers, to allow us to make credit checks at credit reference agencies and otherwise for verification, in respect of those persons.
9. IF YOU FAIL TO PROVIDE PERSONAL DATA
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
10. HOW IS YOUR PERSONAL DATA COLLECTED?
We use different methods to collect data from and about you, including through:
a. Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
1. apply for our services;
2. create an account on our website;
3. subscribe to our service or publications;
4. request marketing to be sent to you; or
5. give us feedback or contact us.
b. Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies.
c. Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below:
1. Technical Data from the following parties:
i. analytics providers such as Google based in/outside the EU;
ii. advertising networks such as LinkedIn based in/outside the EU; and
iii. search information providers such as Refinitiv, and Namescan based in/outside the EU.
2. Contact, Financial and Transaction Data from providers of technical, payment and delivery services such as Airwallex, and Codat based in/outside the EU.
3. Identity and Contact Data from data brokers or aggregators such as Sumsub based in/outside the EU.
4. Identity and Contact Data from publicly available sources such as Companies House or other company registers based in/outside the EU
11. HOW WE USE YOUR PERSONAL DATA
We will only use your personal data when the law allows us to. Under the Data Protection Legislation, we must always have a lawful basis for using personal data.
Most commonly, we will use your personal data in the following circumstances:
a. Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
b. Where we need to comply with a legal obligation.
Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
|Purpose/Activity||Type of data||Lawful basis for processing including basis of legitimate interest|
|a. to register you as a new website user; and
b. to inform you of marketplace developments and activity and of changes to our products and services
|a. Performance of a contract with you
b. Necessary for our legitimate interests
|a. to process and deliver our services;
b. if you are a borrower (or a director, partner, member, shareholder, beneficial owner or guarantor of a borrower):
i. to ascertain your borrowing needs;
ii. to assess your creditworthiness and to make credit-related decisions; and
iii. if you miss any repayment of your loan, to trace your whereabouts and recover debts or enforce a loan contract or guarantee and to verify any payment plan you have proposed or income and expenditure form you have submitted;
c. to carry out mandatory or other regulatory checks;
d. to open online platform accounts with us and to manage and maintain those accounts
e. to verify your identity and the other information you have provided to us, including (if applicable) your bank account information and (if relevant) the identity of your business associates;
f. for the prevention and detection of fraud or other illegal or criminal activity.
5. Marketing and Communications
|a. Performance of a contract with you
b. Necessary for our legitimate interests
c. Necessary to comply with our legal and regulatory obligations
|a. to manage our relationship with you which may include:
ii. asking you to leave a review or take a survey;
b. to carry out statistical analysis and market research and testing
d. Marketing and Communications
|a. Necessary to comply with a legal obligation
b. Necessary for our legitimate interests (to keep our records updated and to study how customers use our services)
|a. To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data);
b. to update the records we hold about you from time to time;
|a. Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
b. Necessary to comply with a legal obligation.
|a. to deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you
b. to develop and improve our services, products and business, including analysing and improving our risk models (if applicable), data collected and our customer service offering;
c. to provide and administer the marketplace and our related services;
5. Marketing and Communications
|Necessary for our legitimate interests (to study how customers use our services, to develop them, to grow our business and to inform our marketing strategy)|
|to use data analytics to improve our site, services, marketing, customer relationships and experiences;||1. Technical
|Necessary for our legitimate interests (to define types of customers for our services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)|
|to make suggestions and recommendations to you about goods or services that may be of interest to you||1. Identity
6. Marketing and Communications
|Necessary for our legitimate interests (to develop our services and grow our business)|
Who we disclose your personal information to as part of our services
a. to operate our marketplace and seek to match lenders and borrowers;
b. in the loan agreements and any ancillary documents, when lenders and borrowers are matched;
c. to provide transactional and performance information;
d. to provide updates (including if and when there are late repayments or if and when a risk-banding has been downgraded); and
e. if required to enforce (or make preparations to enforce) any loan contract or guarantee.
We may disclose your personal data to the following third parties:
a. to companies in our group and our affiliates;
b. to our suppliers, sub-contractors and third-party data processors (including payment processors, marketing and data analytics service providers, collection agents, tracing agents, insolvency practitioners, professional advisers and persons who provide us with the following services from time to time: identification and fraud check; marketing; technology; marketplace support; and back-up and business continuity);
c. with any third party you have asked us to share your personal data with, including social media sites if you have asked us to connect with your social media account;
d. to credit reference and fraud prevention agencies (see sections 13 and 18 below for more information on this);
e. if we are unable to provide you with credit and if you consent, to third parties who may be in a position to arrange credit for you;
f. to a third party if it acquires all or part of our business or assets in connection with the acquisition, or to a successor in interest in the unlikely event of our insolvency, winding up or liquidation;
g. if we are required to do so by applicable law and regulation or by any governmental, tax, regulatory body or law enforcement agency;
h. if you are represented by an agent, to your agent; and
i. to any other person with your prior consent to do so.
Any such third parties who process your personal data on our behalf are only permitted to process your personal data in accordance with our instructions and we take steps to ensure that the transfer and any on-going processing by those third parties is carried out securely and in accordance with applicable data protection laws.
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which services and offers may be relevant for you.
You will receive marketing communications from us if you have requested information from us or purchased services from us and, in each case, you have not opted-out of receiving marketing communication.
Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased services from us and you have not opted out of receiving that marketing.
We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.
You can ask us or third parties to stop sending you marketing messages at any time by logging into the website and checking or unchecking relevant boxes to adjust your marketing preferences.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a service purchase, warranty registration, product/service experience or other transactions.
Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us at firstname.lastname@example.org.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
12. DISCLOSURES OF YOUR PERSONAL DATA
We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
We may share your information with selected third parties including:
a. business partners, suppliers and sub-contractors for the performance of any contract we enter into with you;
b. advertisers and advertising networks that require the data to select and serve relevant adverts to you and others; or
c. analytics and search engine providers that assist us in the improvement and optimisation of our website.
We may disclose your personal information to third parties:
b. if we are under a duty to disclose or share your personal information in order to comply with any legal obligation, or in order to enforce our rights or to apply the terms of an agreement.
If any personal data is transferred outside of the UK, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation, as explained above in Part 11.
13. FALSE INFORMATION AND FRAUD PREVENTION AGENCIES (“FPAS”)
If you give us false or inaccurate information or if we suspect or identify fraud, we may record this and may also pass this information to FPAs (such as CIFAS) and other organisations involved in crime and fraud prevention, including law enforcement agencies.
We and other organisations may access and use this information in order to prevent fraud, money laundering or other criminal activity (for example, by checking details on credit applications, for managing credit and recovering debt).
Please contact us email@example.com if you want to receive details of the relevant fraud prevention agencies.
14. DATA SECURITY
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
15. DATA RETENTION
How long will we keep your personal data for?
We will not keep your personal information for longer than is necessary, for the purposes for which it was collected and is processed and for the purposes of satisfying our legal, accounting or regulatory reporting requirements. These requirements generally permit us to retain our borrower and lender files for a period of six years after the end of the borrowing/investing relationship (i.e. the date on which we no longer provide services to you as a borrower or lender). We may retain personal information for longer than this in certain circumstances, for example in the event of an ongoing dispute. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorised use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
In some circumstances, you can ask us to delete your data by contacting us at firstname.lastname@example.org.
In some circumstances, we will anonymise your personal information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
16. HOW CAN YOU CONTROL YOUR PERSONAL DATA?
In addition to your rights under the Data Protection Legislation, set out in paragraph 22, when you submit personal data via our website, you may be given options to restrict our use of your personal data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving marketing emails from us, which you may do by unsubscribing using the links provided in our emails)
You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you from receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.
17. CAN YOU WITHHOLD INFORMATION?
You may access certain areas of our website without providing any personal data at all. However, to use all features and functions available on our Site, you may be required to submit or allow for the collection of certain data.
18. CREDIT REFERENCE AGENCIES (“CRAS”)
We could undertake credit reference checks or verification checks in respect of borrowers and lenders (and against directors, partners, members, shareholders and beneficial owners of borrowers and lenders), guarantors and agents:
a. as part of the application process;
b. for general credit management and know-your-customer (KYC) checks during the term of a loan; and
c. if there are late repayments or default.
When CRAs receive a search request from us they will:
a. place a credit search “footprint” on your business credit file following each credit application, whether or not your application proceeds. If the search was for a credit application the record of that search may be seen by other organisations when your business applies for credit in the future;
b. place an enquiry or organisational search on the personal credit files of directors, partners, members, beneficial owners and shareholders that have been searched, as well as an associate enquiry search on your personal financial partner’s credit file, if they are a director;
c. link together the previous and subsequent names advised by you of anyone that is a party to the account;
d. place an enquiry or identification search on the record of any shareholder or beneficial owner and who we have checked; and
e. create a record of the name and address of your business and its proprietors (if there is not one already).
We will always take steps to verify information you have provided us in our marketplace. If you borrow and do not repay in full and on time, the CRAs will record the outstanding debt and, in some cases, the length of time that the debt remains outstanding; other organisations may see these updates, and this affect your ability to obtain credit in the future.
Any records shared with CRAs could remain on file for extended periods of time after your account is closed, whether or not any outstanding sums have been settled by you or following a default.
You can contact the CRAs currently operating in the UK. The information they hold may not be the same so you may consider contacting them all.
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Overall, cookies help us provide you with a better site, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
Before cookies are placed on your computer or device, you will be shown a cookie consent pop-up requesting your consent to set those cookies. By giving your consent to the placing of cookies you are enabling us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of cookies; however certain features of our website may not function fully or as intended.
All cookies used by and on the website are used in accordance with the Data Protection Legislation. We may use some or all of the following types of cookie:
a. Strictly necessary cookies
Certain features of our website depend on cookies to function. The law deems these cookies to be “strictly necessary”. A cookie falls into this category if it is essential to the operation of the site, supporting functions such as logging in, your shopping basket, and payment transactions. Your consent will not be sought to place these cookies, but it is still important that you are aware of them. You may still block these cookies by changing your internet browser’s settings as detailed below, but please be aware that our website may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
b. Analytics cookies
It is important for us to understand how you use the site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics cookies enable us to gather this information, helping us to improve the website and your experience of it.
c. Functionality cookies
Functionality cookies enable us to provide additional functions to you on the website such as personalisation and remembering your saved preferences. Some functionality cookies may also be strictly necessary cookies, but not all necessarily fall into that category.
d. Targeting cookies
It is important for us to know when and how often you visit the site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics cookies, this information helps us to better understand you and, in turn, to make the website and advertising more relevant to your interests.
e. Third party cookies
Third party cookies are not placed by us; instead, they are placed by third parties that provide services to us and/or to you. Third party cookies may be used by advertising services to serve up tailored advertising to you on the site, or by third parties providing analytics services to us (these cookies will work in the same way as analytics cookies described above). These Cookies are not integral to the functioning of our Site and your use and experience of our Site will not be impaired by refusing consent to them.
f. Persistent cookies
Any of the above types of cookie may be a persistent cookie. Persistent cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit the site.
g. Session cookies
Any of the above types of cookie may be a session cookie. Session cookies are temporary and only remain on your computer or device from the point at which you visit the website until you close your browser. Session cookies are deleted when you close your browser.
We may use the following cookies:
|http_cookie||Necessary||These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms||UK, EU, Hong Kong, Singapore|
|Analytics||These cookies help us to understand how visitors engage with the website. We may use a set of cookies to collect information and report site usage statistics. In addition to reporting site usage statistics, data collected may also be used, together with some of the advertising cookies described, to help show more relevant ads across the web and to measure interactions with the ads we show|
|Functionality||We use a set of cookies that are optional for the website to function. They are usually only set in response to information provided to the website to personalize and optimize your experience as well as remember your chat history|
In addition to the controls that we provide, you can choose to enable or disable cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third-party cookies. By default, most internet browsers accept cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete cookies on your computer or device at any time, however you may lose any information that enables you to access our website more quickly and efficiently including, but not limited to, login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
20. WHERE WE STORE YOUR PERSONAL INFORMATION
We store our data on Microsoft and Google cloud infrastructure.
We may store some or all of your personal data in countries outside of the UK. These are known as “third countries”. We will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation by using specific approved contracts which ensure the same levels of personal data protection that apply under the Data Protection Legislation. For further information, please refer to the Information Commissioner’s Office.
Please contact us for further information about the particular data protection safeguards used by us when transferring your personal data to a third country.
The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:
a. limiting access to your personal data to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality;
b. procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, your personal data) including notifying you and/or the Information Commissioner’s Office where we are legally required to do so;
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access and will ensure that any third party receiving your personal data adopts such appropriate measures necessary to safeguard your personal data.
Whenever we transfer your personal information out of the EEA, we ensure a similar degree of protection is afforded to it. We will only transfer your personal information to countries that have been deemed to provide an adequate level of protection for personal information by the European Commission.
21. OVERSEAS TRANSFERS
Whenever we transfer your personal information out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
a. We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission.
b. Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.
c. Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between the Europe and the US. For further details, see European Commission: EU-US Privacy Shield. Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.
22. YOUR LEGAL RIGHTS
Under the Data Protection Legislation, you have the following rights, which we will always work to uphold:
a. right to rectification
If any of your personal data held by us is inaccurate or incomplete, you have the right to have us rectify the data. Please contact us if this is the case.
b. right to access
You have a right to:
i. request a confirmation from us that we are processing your personal information;
ii. access your personal information held by us and request a copy (unless providing a copy adversely affects the rights and freedoms of others);
iii. obtain certain information about how we process your personal information, categories of personal information processed, recipients or categories of recipients who receive personal information from us; and
iv. request how long we store your personal information for and the criteria we use to determine retention periods.
Paragraph 23 informs you how you can request details of your personal data which we hold.
c. right to be informed
You have a right to be informed:
i. how your personal information is being processed;
ii. how long it will be stored for;
iii. the legal basis for processing;
iv. recipients (or categories of recipients) of your personal information; and
v. if personal information must be provided under statute or for another reason and the consequences of not providing the personal information to ensure the fair and transparent processing of your personal information.
d. right to restrict processing under certain circumstances
You have a right to restrict the processing of your personal data under certain circumstances:
i. if you contest the accuracy of your personal information, we may restrict its processing, until we can verify its accuracy;
ii. if the processing is unlawful;
iii. if we no longer need to process your personal information, unless we still need your personal information for the establishment, exercise, or defence of legal claims; and
iv. if you object to processing that relies on public interest or our (or third party’s) legitimate interest as the lawful processing ground.
e. right to data portability
i. you have provided personal data to us directly;
ii. you have provided personal data to us directly;
iii. that data is processed using automated means,
you can ask us for a copy of that personal data to re-use with another service or business. If those conditions are fulfilled, you have a right to receive from us a copy of your personal information in commonly used and machine-readable format and store it for further use on a private device.
You have a right to transmit personal information to another third party; or have your personal information transmitted directly from one third party to another where technically possible.
f. right not to be subject of automated processing
You have a right not to be subject to automated decision-making, including profiling, which has legal or other significant effects on you. This does not apply when the automated decision is necessary for entering into or performing a contract with you; or it is authorised by EU or member state law applicable to us if the law requires suitable measures to safeguard your rights and freedoms and legitimate interests; or based on your explicit consent.
g. the right to object to processing
You may object to direct marketing, including profiling related to direct marketing. We will stop processing your personal information once notified by you, except if we can demonstrate a compelling legitimate ground for processing the personal information that overrides your request; or processing is necessary to exercise or defend legal claims.
>[? You may object to direct marketing, including profiling related to direct marketing. We will stop processing your personal information once notified by you, except if we can demonstrate a compelling legitimate ground for processing the personal information that overrides your request; or processing is necessary to exercise or defend legal claims.
h. The right to withdraw consent.
If we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.
i. The right to be forgotten
You may ask us to delete or otherwise dispose of any of your personal data that we hold. Please contact us to find out more.
If you wish to exercise any of the rights set out above, please contact us at email@example.com
You can also contact our representatives as set below.
|Jurisdiction||Name & Address||Contact|
Rickert Rechtsanwaltsgesellschaft mbH
-Marlo Technologies Ltd.-
Rickert Services Ltd UK
-Marlo Technologies Ltd.-
PO Box 1487
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
23. HOW CAN YOU ACCESS YOUR PERSONAL DATA?
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “Data Subject Access Request”.
All subject access requests should be made in writing and sent to us.
No fee usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee to cover our administrative costs in responding if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Normally, we aim to provide a complete response, including a copy of your personal data within that time. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
"Comply with a legal obligation" means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.
"Legitimate interest" means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us at firstname.lastname@example.org
"Performance of a contract" means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.