We will pass information about you to suppliers or contractors, service providers and employees to carry out services such as delivering your goods. Significant partners in this are Evri and the Royal Mail.
If we enter a credit agreement with you we will supply details of your agreement with us to the Credit Reference Agencies, as well as ongoing details of your account and how you manage it.
We also share your details with other fashion, homeware and electrical retailers who sell similar products to ours. The data of other potential customers is returned to us in exchange. When we first collect your data we ask you clearly if you wish to opt out of this data sharing and we provide other opportunities to do this in the ‘My Account’ section of our website. You can also contact the Data Protection Officer to opt out using the contact details in this privacy policy.
The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by clicking
https://www.cifas.org.uk/fpn.
We will continue to receive data from Credit Reference Agencies on a monthly basis for the period that your credit account remains open. If you do not repay on time or in full, we will tell the Credit Reference Agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches. You have the right of access to your personal records held by Credit Reference and Fraud Prevention Agencies. We use data held by Experian, Equifax and CallCredit.
We, the Credit Reference Agencies and Fraud Prevention Agencies may also use the records for statistical analysis about credit, insurance and fraud.
You can get more information about how the Credit Reference Agencies use your information at the following websites:
If you do not repay the money you owe, we will pass your information on to companies who recover debt.
These companies will also pass data about you to us and include or have included:
We will also share your details with registered insolvency practitioners and other companies involved in managing insolvencies.
There are two principal ways in which we share data with other retailers in exchange for data about prospective customers. One is through data co-operatives where a number of retailers share information on their customers both to improve our understanding of our customers and to exchange details. The other means is by direct swaps of customer lists with other fashion, homeware and electrical retailers.
In the event of our business, or any part of it, being sold your data will be transferred to the purchaser of the business.
As part of our normal operating procedures as a large business we are sometimes required to send personal data about our credit customers to banks in order to securitise our operating funding. We do this with the Royal Bank of Scotland and it has no impact on you as an individual.
We may also share your information with the police, our regulators and other government agencies where required to do so by law or a regulatory request.
Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity.
The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering, and to verify your identity.
Details of the personal information that will be processed include, for example: name, address, date of birth, contact details, financial information, employment details, device identifiers including IP address and vehicle details.
We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us.
Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.
As part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk if our processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct; or is inconsistent with your previous submissions; or you appear to have deliberately hidden your true identity. You have rights in relation to automated decision making that are detailed below in the section “How to complain or object”
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services or financing you have requested, or to employ you, or we may stop providing existing services to you.
A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you.
If you have any questions about this, please contact us using the details below.
Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.