Fidelity Works Ltd operates in the consumer credit industry and operates some as a creditor, many brands and some as an authorised broker. This web site and the application form are marketing our services as a credit broker and not our services as a creditor.
In our function as a credit broker, when you make an application for financing, we'll pass your details to one or more of the lender or agents that we have an agreement with. These will measure the data you've got supplied, along with info they decided whether they may have the ability to help, and source from third parties about you. If they believe that they'd like to examine your application further, we are going to pass around you with their web site to keep on the procedure. You don't charge for this service, but we will get a commission in the lender or broker who you're transferred to. This commission is changeable in number.
Your application has been processed by Fidelity Works Ltd. This policy clarifies how we may collect Personal Data about you. Additionally, it clarifies a few of the security measures we take to secure your Individual Data, and tells you certain things we will do and not do. You should keep reading this policy together with all the Website Terms & Conditions.
When we first get Personal Data from you, or when you choose a brand new service or product from us, we'll give you the opportunity to tell us if you do or tend not to want for information from us or carefully selected third parties about other services or products (as applicable). You can usually do that by ticking a box. You may change your mind at any moment by emailing us at 6223262232VIRTUALMAN.INFO.
We may collect personal data from a number of sources, including the following from you:
From you when you complete our online application form, in which case this might include your contact details, date of birth, your earnings and expenditure details and your bank details.
- From you should you make contact with us and supply us with advice or additional personal details about you.
- From information provided to other brands managed by our Business
- From documents which might be made available to the public such as electoral function or county court judgements.
From lenders or alternative credit agents who we ask to think about your application.
From Credit Reference Agencies, Fraud Prevention Services or other 3rd party data sources that people subscribe to.
Making use of Your Private Advice
Personal Data about our customers is an important portion of our business and we shall simply use your Private Data for the next purposes and shall not keep such Personal Data is necessary to fulfil these objectives:
To pass on to other agents and lenders as a way to attempt to match one to the credit you might be seeking. When we do this many of the lenders and agents will seek the records of one or maybe more Credit Reference Agencies (CRA) or Fraud Prevention Agencies (FPA) as part of their decision making procedure. When they do this it will leave a footprint' that is ' on your credit file which other companies will soon have the ability to determine. We can't locate you a loan without this, thus submitting the application you give your explicit consent for this.
To greatly help identify you when you write or call to us.
To contact you about any services or products we now have supplied.
To enable us to execute marketing analysis and client profiling (including with transactional information), conduct research, including creating statistical and testing information.
To help us to identify services accounts and products which might be of interest to you from associates that are selected or us. We may do so by automatic means using a scoring system, which uses the Personal Data you've got supplied and/or any information we hold about you and Personal Data from third party services (including credit reference agencies).
To enable us to contact you in any manner (including mail, electronic mail, telephone, fax, text or multimedia messages) about services and products offered by us and selected partners unless you've got previously asked us not to do thus.
To share your information with third parties whose products or services might be of interest where you have agreed to this. These third parties might also wish to make contact with you using the info that we have shared with them using the exact same means of contact stated previously. Your details will not be, from that stage, shared by us should you tell us that you intend to opt out of receiving such communications from third parties. In the event you received communications from 3rd parties that we shared your details you should contact them and follow their opt-out process.
We may perform a credit search with one or more Credit Reference Agency. It'll leave a 'footprint' on your credit file which other companies will soon have the ability to determine when we do this.
We may check your details. Should you supply false or inaccurate information and we suspect fraud, we are going to record this.
We may let other people and organisations to use Personal Data we hold about you in these circumstances:
If we, or substantially all of our assets, are acquired or come in the process of being acquired by a third party, in which case Personal Data held by us will be one of the transferred assets.
If we have been legitimately asked to provide advice for regulatory or legal purposes or included in legal proceedings or prospective legal proceedings.
- Protecting Advice
- We now have rigorous security measures to protect Personal Data.
- We usually do not gather, store or transmit credit card numbers or any debit where we act only as a credit broker.
Our security procedures mean that people may occasionally request proof of identity before we disclose private information to you personally.
The amount of time we hold your information depends on the basis it was supplied by you to us, please begin to see these examples:
In case you request that you are not contacted by us for promotion and advertising motives we still may have to keep your info as this might reflect your preferences.
Advice is also kept relating to any transactions you could enter via our site, these details will be kept for the absolute minimum of 6 years which will commence at the conclusion of the relationship. We're required to do this to ensure that if any disputes or criticisms are raised then we have your advice to empower us to address disputes or the complaints. Your info will probably be kept yet purely for business needs.
To be able to offer you a service we'll be required to maintain your advice whilst we continue to supply you with a service for however long we may be taken by this.
Another reason for people to maintain information about you is for valid business demands where applicable so we are able to comply in exactly what the law states.