Fidelity Works Ltd manages some as a lender, many brands and some as an authorised agent and operates in the consumer credit industry. This website along with the application form are marketing our services as not our services and a credit agent as a lender.
In our role as a credit agent, when you apply for a loan, we will electronically pass your details to at least one of the lender or agents that we have an agreement with. These can measure the data you have provided, along with information they determined whether they might be able to assist, and source from third parties about you. We will pass you over for their website to carry on the process if they feel that they might like to review your application further. We'll receive a fee in the lending company or agent who you are transferred to, although you don't charge for this service. This commission is variable in quantity.
Fidelity Works Ltd. is processing your application This policy describes how we might collect Personal Data about you. Additionally, it describes a number of the security measures we take to safeguard your Private Data, and tells you specific things we will do and not do. You need to read this policy in combination with all the Website Terms & Conditions.
When we first obtain Personal Data from you, or when you choose a fresh service or product from us, we will give you the chance to tell us if you do or tend not to want to receive information from us or carefully selected third parties about other services or products (as applicable). You're able to normally do that by ticking a box. You might change your mind at any given time by emailing us at JAK-WYPELNIC-PIT.INFO.
- Gathering Advice
- Personal data might collect from you from a number of sources, including the following:
- Should you make contact with us from you and provide us with added personal details or advice about you.
- From information provided to other brands managed by our Firm
From documents which can be made available to the public like county court judgements or electoral job.
From lenders or alternative credit agents who we ask to contemplate your application.
From Credit Reference Agencies, Fraud Prevention Agencies or other 3rd party data sources that individuals subscribe to.
Making use of Your Private Information
Private Data about our customers is a crucial section of our company and we shall just use your Private Data for the following purposes and shall not keep such Private Data longer than is essential to fulfil these purposes:
To pass on to the lenders and other agents in order to attempt to match you to the credit you're seeking. When we do this several 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 process. It'll make a 'footprint' on your own credit file which other businesses will be able to see when they do this. For additional information, please see our 'Credit Reference Agencies (CRA) and Fraud Prevention Agencies (FPA) ' A concise guide' later in this document. We cannot locate you a loan without this, so submitting the application you give your explicit consent for this.
To simply help identify you when you write or call to us.
To contact you about products or any services we now have provided.
To allow us to execute marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information.
To help us to identify accounts, services and products which might be of interest to you personally from chosen partners or us. We may do this by automatic means utilizing a scoring system, which uses the Private Data you have provided and/or any information we hold about you and Private Data from third party services (including credit reference agencies).
To allow us to contact you in almost any way (including mail, e-mail, phone, fax, text or multimedia messages) about products and services provided by us and selected partners unless you have previously asked us not to do so.
To share your information with third parties whose products or services could be of interest where you have agreed to this. These third parties could also want to make contact with you using the information that we've shared with them using the same means of contact said above. We will, from that point, not share your details should you tell us that you wish to opt out of receiving such communications from third parties. If you received communications that we shared your details with BEFORE you opted out, you need to contact them directly and follow their opt-out process.
We might monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance.
We might perform a credit search with one or more Credit Reference Agency. When we do this it will make a footprint' that is ' on your own credit file which other businesses will be able to see. For additional information, please see our 'Credit Reference Agencies (CRA) and Fraud Prevention Agencies (FPA) ' A concise guide' later in this document.
We might check your details with fraud prevention agencies. If you provide inaccurate or false information and we suspect fraud, we'll record this.
We might allow organisations and other individuals to use Personal Data we hold about you in the following circumstances:
If we, or substantially all of our assets, are acquired or come in the process of being acquired by a third party, by which case Personal Data held by us will be one among the transferred assets.
If we've been legitimately asked to supply advice for legal or regulatory purposes or included in legal proceedings or prospective legal proceedings.
Where we act only as a credit agent, we tend not to gather, store or transmit credit card numbers or any debit.
Our security procedures mean that individuals may occasionally request proof of identity before we disclose private information for you.
The amount of time we hold your information rides on the foundation you provided it to us, please see the following examples:
If you request that you are not contacted by us for marketing and advertising reasons, then we may have to keep your information as this might represent your preferences.
Information can also be kept relating to any transactions you could possibly enter via our website, these details will be kept for the very least of 6 years that may commence at the conclusion of the relationship. We are required to do so to make sure that if any disputes or complaints are raised then we've your information to enable us to address the grievances or disputes. Your information will undoubtedly be kept nevertheless purely for company needs.
In order to provide a service to you we will have to keep your advice whilst we continue to provide you with a service for however long we may be taken by this.
Another reason for all of us to keep information about you is where applicable so we could comply with exactly what the law states, for legitimate business needs.