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You have a right to know how we will use your personal information. It is important that you read these terms and conditions as they set out how we may use your information.
How we use your information
We may send you information about products of ours and others which may be of interest to you. We may also pass your details to other selected businesses to enable them to send you information about their products. You have a right at any time to stop us from contacting you or giving your details to others for these purposes.
We will store and process your information on Prestige Asset Finance Limited ’s computers and in any other way. By “your information” we mean personal information we
We, and other carefully selected third parties, will use your information to inform you by post, fax, telephone or other electronic means, about other products and services (including those of others) which we believe may be of interest to you. If you are not eligible for a loan at this time, unless you write to the address below, you agree that we may offer you an alternative product (including those of others) and that we may pass your details to another financial services company for them to send you details of their products. If you do not want to receive information about other products and services please contact Prestige Asset Finance Limited at 125 Queens Road Surrey KT13 9UN. You can ask us in writing from the same address for a copy of the information we keep about you. A fee will be charged for this service. If you were introduced to us by a third party, we may give them your contact details. We may give information about you and how you manage your account to the following:
Otherwise we will keep information about you confidential. Calls between us may be recorded and/or monitored.
Credit Reference and Fraud Prevention Agencies
Although we normally do no not carry out credit checks under some circumstances when you apply for a product or service you confirm that all the information you have given is true and complete. When you apply for a product or service you authorise us to check the following records about you and others (see below);
We will make checks such as; assessing this application for credit and we may also make periodic searches at CRAs and FPAs to manage your account with us. If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we may give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs may record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. If false or inaccurate information is provided and fraud is identified, details 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 fraud and money laundering, for example, when:
(a) Managing credit and credit related accounts or facilities
(b) Recovering debt
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
How to find out more
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee. Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to http://www.myequifax.co.uk/ Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to http://www.experian.co.uk/.
Prestige Asset Finance Limited is a responsible lender. It is important that you do not take on more borrowing than you can afford. Remember if you run into difficulties with your repayments, please contact us immediately.
We are registered at Companies House under number 06912229. Our main business is consumer lending and we provide short term credit facilities to debtors in return for the repayment of the credit and the payment of interest. We are authorised by the Office of Fair Trading, and our Consumer Credit License Number on its register is 629591.
Your Privacy when using www.prestigepawnbrokers.co.uk
When you or someone visits our site we collect and analyse standard internet log information and details of visitor behaviour patterns.
We use this information to find out things such as the number of visitors to the various parts of the site so we can continually improve the user experience . The way in which this data is collected means it is not personally identifiable. Also we do not make any attempt to find out the identities of those visiting our website.
We will not associate or share any data gathered from visiting our site with any with any third party sources. If we do want to collect personally identifiable information through our website such as a contact form, this will be obvious and will require you to press a submit button.
Cookies usage on www.prestigepawnbrokers.co.uk
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used on many websites in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
The below table explains the cookies we use and what they do:
|These cookies are used to collect information about how visitors use our website. We use the information to compile reports and to help us improve the site. Like many services, Google Analytics uses first-party cookies to track visitor interactions.These cookies are used to store information, such as the time that the current visit occurred, whether the visitor has been to the site before and what site referred the visitor to the web page. Browsers do not share first-party cookies across domains.||Click here for an overview of privacy at Google Analytics|
Most internet web browsers allow some control or complete blocking of cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.