Privacy Notice
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Personal data policy
Your rights
When we process personal data about you, you have several rights under the data protection legislation. You have the right to contact us at any time regarding these, and if you want to exercise any of the rights described below, you can reach us at privacy@fairlo.co.uk.
We reserve the right to take appropriate protective and safety measures in order to ensure that you are who you claim to be when you contact us. If you are unable to prove your identity in a credible manner, we may not be able to accommodate your request.
The right to be informed
You have the right to be provided with clear, transparent and easily understandable information about how we use your personal data and your rights. We fulfil this right by giving you this notice.
The right of access
You have the right to know which personal data we process about you. If you want to know, you can get a compiled register extract from us that contains the personal data we process about you.
The right to to rectification
You can ask us to change or complete any inaccurate or incomplete personal data held about you.
The right to erasure
This is also known as “the right to be forgotten” and this means that you can ask us to delete your personal data where it is no longer necessary for us to use it, you have withdrawn consent (where applicable), or where we have no lawful basis for keeping it or otherwise using it. There are limited exceptions, for example where we need to use the information to bring or defend a legal claim.
The right to data portability
In certain circumstances, you have the right to receive the information we process about you in a general, written, machine-readable and structured format. You have the right to do so with regard to the personal data that you have provided to us and that we process with the support of your consent or when the personal data is required to enter into or fulfill an agreement with you.
The right to restrict processing
Under certain conditions, you have the right to request that we limit our processing of your data. This means that we mark the data so that in the future we only process them for certain specific purposes. We may not offer you credit if we restrict the processing of your personal data.
The right to object
You have the right to object to the processing of personal data that is performed for the purpose of performing a task of general interest, as part of the exercise of authority or in our legitimate interest. We process some of your personal data on the basis of our legitimate interest, and you have the right to object to such processing.
Rights in relation to automated decision making and profiling
We use automated decisioning when we assess whether your application for credit can be granted, assessing your account behaviour and determining the appropriate action to take, where your account has gone into arrears or default.
This means that our decision is made automatically without any human intervention. We do this to make decisions more consistent, fair and quicker. You have the right not to be subject to a decision based on solely automated processing, including profiling, if this will have a legal or other significant effect on you (unless certain exceptions apply).
We will use your personal data in profiling in order to identify your suitability for products and services we offer and to inform you of these. Where an individual’s financial history suggests they are unlikely to be accepted for a particular product or service, we may use that data to opt them out of receiving information about that product or service. This is in individuals’ interests as it helps stop them receiving irrelevant marketing or being targeted with marketing about products that they cannot afford. These types of profiling are only used in relation to our own products and services and as such are generally not considered to have a significant effect on your rights and interests.
Right to lodge a complaint
You also have the right to complain to the Information Commissioner’s Office. You can call their helpline on 0303 123 1113, or you can visit their website (www.ico.org.uk) for information on how to make a data protection complaint.
Your rights
When we process personal data about you, you have several rights under the data protection legislation. You have the right to contact us at any time regarding these, and if you want to exercise any of the rights described below, you can reach us at privacy@fairlo.co.uk.
We reserve the right to take appropriate protective and safety measures in order to ensure that you are who you claim to be when you contact us. If you are unable to prove your identity in a credible manner, we may not be able to accommodate your request.
The right to be informed
You have the right to be provided with clear, transparent and easily understandable information about how we use your personal data and your rights. We fulfil this right by giving you this notice.
The right of access
You have the right to know which personal data we process about you. If you want to know, you can get a compiled register extract from us that contains the personal data we process about you.
The right to to rectification
You can ask us to change or complete any inaccurate or incomplete personal data held about you.
The right to erasure
This is also known as “the right to be forgotten” and this means that you can ask us to delete your personal data where it is no longer necessary for us to use it, you have withdrawn consent (where applicable), or where we have no lawful basis for keeping it or otherwise using it. There are limited exceptions, for example where we need to use the information to bring or defend a legal claim.
The right to data portability
In certain circumstances, you have the right to receive the information we process about you in a general, written, machine-readable and structured format. You have the right to do so with regard to the personal data that you have provided to us and that we process with the support of your consent or when the personal data is required to enter into or fulfill an agreement with you.
The right to restrict processing
Under certain conditions, you have the right to request that we limit our processing of your data. This means that we mark the data so that in the future we only process them for certain specific purposes. We may not offer you credit if we restrict the processing of your personal data.
The right to object
You have the right to object to the processing of personal data that is performed for the purpose of performing a task of general interest, as part of the exercise of authority or in our legitimate interest. We process some of your personal data on the basis of our legitimate interest, and you have the right to object to such processing.
Rights in relation to automated decision making and profiling
We use automated decisioning when we assess whether your application for credit can be granted, assessing your account behaviour and determining the appropriate action to take, where your account has gone into arrears or default.
This means that our decision is made automatically without any human intervention. We do this to make decisions more consistent, fair and quicker. You have the right not to be subject to a decision based on solely automated processing, including profiling, if this will have a legal or other significant effect on you (unless certain exceptions apply).
We will use your personal data in profiling in order to identify your suitability for products and services we offer and to inform you of these. Where an individual’s financial history suggests they are unlikely to be accepted for a particular product or service, we may use that data to opt them out of receiving information about that product or service. This is in individuals’ interests as it helps stop them receiving irrelevant marketing or being targeted with marketing about products that they cannot afford. These types of profiling are only used in relation to our own products and services and as such are generally not considered to have a significant effect on your rights and interests.
Right to lodge a complaint
You also have the right to complain to the Information Commissioner’s Office. You can call their helpline on 0303 123 1113, or you can visit their website (www.ico.org.uk) for information on how to make a data protection complaint.