Privacy Policy

Effective: June 27, 2013

Welcome to holidaypayday.co.uk (hereinafter "Company"). This privacy policy ("Privacy Policy") is an Agreement between Company and You (hereinafter "You" and/or "Your"), as the user of this website (hereinafter "Site") and Company's services. Company has created this Privacy Policy in order to disclose our information collection, use, and sharing practices, as well as the measures taken to protect the information submitted by You to this Site. We have designed our services with Your privacy in mind. Please be sure to read this Agreement in its entirety before using this Site.

By using this Site You acknowledge You have read, understand, and agree without limitation or qualification to be legally bound by this Privacy Policy and Company's Terms & Conditions of Use.. If You do not agree to these terms, do not use this Site or Company's services.

 

Collection of Information

Company collects information about You by and through Your access to and use of this Site and through Your use of Company's loan matching services ("Company's services"). The information that Company collects during registration includes certain sensitive information. This information is used for identification and communication purposes. Any use of Company's services is entirely voluntary and You are not required to provide this information unless You choose to use Company's services. But, You will not be able to access or use Company's services where this information is required. Such information that may be collected includes, without limitation:

  • Name
  • Loan amount
  • Date of birth
  • Address
  • Telephone number(s)
  • E-mail address
  • Residential status
  • Employment information
  • Payment schedule
  • Monthly net income
  • Banking information

Other information is collected by virtue of Your access to and use of this Site. This information is used in the aggregate to analyse trends, administer the Site, track movement, and understand consumer behaviour generally. The information collected by virtue of Your access to and use of this Site may be collected irrespective of You submit information to register for Company's services. Such information that may be collected includes, without limitation:

  • Internet Protocol address
  • Internet Service Provider
  • Browser
  • Operating system
  • Location
  • Referral/Exit pages
  • Date/Time stamp
  • Click number

The information collected by and through Your access to and use of this Site and Your use of Company's services may be transferred to other countries outside the United Kingdom, but only to countries within the European Economic Area and countries or territories outside of the European Economic Area that ensure an adequate level of protection for Your rights and freedoms in relation to the processing of Your personal data.

If false or inaccurate information is provided, including in relation to a person's identity and fraud is suspected or identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent and detect crime, fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.


Use of Cookies

This Site employs the use of Cookies to enhance Your user experience. Cookies are a feature of Your browser software. If enabled, Company may write Cookies that store small amounts of data on Your computer about Your visit to any of the pages of this Site. Cookies assist Company in tracking which features appeal the most to You and what content You view or may have viewed on past visits. When You visit the Site again, Cookies can enable Company to customize this Site's content according to Your preferences. Company may use Cookies to track the number of return visits to this Site, accumulate and report aggregate or statistical information on Site usage, and deliver specific content to You based on Your past viewing history.

This Site also employs the use of session Cookies, which are not permanently stored on Your computer. When You register for Company's services, a large amount of data is transferred through each step of the registration process. Such data includes information collected by and through Your access to and use of this Site and through Your use of Company's services. Session Cookies enable Company to keep track of this data until Your registration for Company's services is complete. Session Cookies expire after a period of inactivity or when You close Your browser. You have the ability to accept, decline, or remove Cookies at any time by modifying Your browser settings. Please note that to decline or remove Cookies may hinder the performance of this Site or Company's services. Company has no control over third party Cookies technology.


Use & Sharing of Information

Broadly speaking, the information collected by and through Your access to and use of this Site and Your use of Company's services will be used to assist You with Your payday loan inquiry, to fulfill Your payday loan request, and to share with You offers and promotions or information about additional products or services in which You might be interested. Such collected information may also be used for other purposes for which You have given Your consent, to prevent fraud, or as may otherwise be permitted by applicable law. To those ends, You expressly authorise Company to share such collected information with trusted third party lenders, joint marketers, and service providers that use Your information only as permitted by Company or as necessary to effectuate the purpose of Your payday loan inquiry.

Trusted lenders may use the information collected by and through Your access to and use of this Site and Your use of Company's services as necessary to process Your payday loan inquiry. You expressly authorise such trusted lenders to contact You via telephone and mobile device (including by automated dialling and/or pre-recorded or artificial voice) at the number(s) provided by You (notwithstanding that Your number(s) may be listed on a Do-Not-Contact registry, suppression list, or the like) to assist You with Your payday loan inquiry.

Company reserves the right to share the information collected by and through Your access to and use of this Site and Your use of Company's services: (a) where required by law, warrant, subpoena, or legal process or requested by a court of competent jurisdiction, governmental authority, or quasi-governmental authority; (b) in the event of Company's insolvency, or if Company is sold or acquired; (c) where You are in violation of this Privacy Policy or the Terms & Conditions of Use; (d) to prevent, address, or remedy fraud, security, or technical issues, which necessarily may include—without limitation—the exchange of such information with trusted third parties for fraud prevention purposes; (e) to improve the design and content of this Site; or, (f) where Company determines such disclosure is necessary to protect the rights of Company and/or a third party, or to shield Company from liability of any kind.


Marketing

As part of the process of registering for Company's services, Company asks You whether You expressly consent to receiving related offers and promotions by telephone, post, and electronic mail (e-mail and SMS) from Company and trusted joint marketers and service providers. You may withhold authorisation and still register for Company's services. If You expressly consent to receiving related offers and promotions by telephone, post, and electronic mail (e-mail and SMS) from Company and trusted joint marketers and service providers, You do so notwithstanding that Your contact information may be listed on a Do-Not-Contact registry, suppression list, or the like.

If You expressly consent to receiving related SMS-based offers and promotions from Company and trusted joint marketers and service providers, You do so with the understanding that—based on Your individual carrier and plan—message and data rates may apply, and You warrant that You are eighteen (18) years of age or older, that You own or are authorised to use the mobile device to which SMS-based offers and promotions will be sent, and that You are authorised to approve any applicable charges.

Should You no longer wish to receive related offers and promotions by telephone, post, and electronic mail (e-mail and SMS) from Company and trusted joint marketers and service providers, You must contact Company via post to 145-157 St. John Street, Suite 19550, London, EC1V 4PW or email to admin@holidaypayday.co.uk, or You must follow the instructions in the message itself. You may continue to receive offers and promotions by telephone, post, and electronic mail (e-mail and SMS) from third parties with which You are separately subscribed. Company is not responsible for stopping all unwanted communications from sources beyond Company's control.


Security of Information

Company employs a series of physical and electronic security measures and procedures to safeguard the security and integrity of Your information from unauthorised access, use, destruction, or disclosure—both online and offline. For example, Company has managerial security measures in place wherein access to and use of Your personal information is limited. As for technical security measures, Company secures data transmission with Secure Socket Layer (SSL) encryption software, limits access to data storage with password protection, and stores data on secure servers and computers.

Please note that although Company takes all reasonable precautions to protect Your data, no data storage or data transmission security is guaranteed. Accordingly, Company cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You understand and expressly agree that Your access to and use of this Site and Your use of Company's services is done at Your own risk.

In the event of any known data security breach with respect to Your personal information, Company will notify You and relevant authorities as may be required by applicable law. Be advised that notice to You may be delayed to address the needs of law enforcement, to determine the scope of the breach, and/or to employ certain remedial measures.


Access to Personal Information

Company retains the information collected by and through Your access to and use of this Site and Your use of Company's services as needed to perform Company's services, to comply with legal obligations, to resolve disputes, and to enforce agreements. You have the right to request a copy of, or update or delete, such collected information. If You would like a copy of some or all of such information, or if you wish to update or delete the same, please communicate Your request to Company via post to 145-157 St. John Street, Suite 19550, London, EC1V 4PW or email to admin@holidaypayday.co.uk.


Third Party Links

This Site may contain links to third party websites. You expressly agree that Company is not responsible for the privacy policies and practices of such third party websites, and that this Privacy Policy does not apply to Your access to and use of such third party websites. This Privacy Policy applies solely to information collected by Company, even where Company may frame another website with its own. You are encouraged to exercise care when following third party links away from this Site, and to read the privacy policy of any such site that collects information from You. Company is not liable for Your access to and use of such third party websites, and Your access to and use of such third party websites are done at Your own risk.


Children's Privacy

This Site is a general audience website and is not specifically designed for or targeted to children. You must be eighteen (18) years of age or older to register for Company's services. Children under the age of eighteen (18) are strictly forbidden from registering for Company's services. Company does not knowingly collect, use, or share any information of children under the age of eighteen (18). If Company becomes aware that information of a child under the age of eighteen (18) has been inadvertently collected at this Site, Company will undertake reasonable efforts to delete it from Company's records. Because Company does not knowingly collect such information, Company has no information regarding its use or disclosure to third parties.


Modification

Company reserves the right to modify this Privacy Policy or any additional terms that apply to this Site or Company's services. Company will post notice of any such modifications in a clear and conspicuous manner to this Privacy Policy, the Company homepage, or any other place Company may deem appropriate. Any such modifications shall take effect immediately. If You do not agree to any such modifications, do not use this Site or Company's services.


Headings

The headings for sections contained herein are for convenience only and shall not affect the meaning of the provisions of this Privacy Policy.


Company's Contact Information

Comments, questions, or concerns about this Privacy Policy or Company's privacy practices may be directed to Company via post to 145-157 St. John Street, Suite 19550, London, EC1V 4PW; or via email to admin@holidaypayday.co.uk.

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