Amicus Group is made up of a number of different legal entities. We’ll let you know which you have a relationship with, when you take out a product or service with us.
This privacy notice lets you know how companies within the Amicus Group promise to look after your personal information. This includes what you tell us about yourself, what we learn by having you as a customer, and the choices you give us about what marketing you want us to send you. This notice explains how we do this and tells you about your privacy rights and how the law protects you.
Your privacy is protected by law. This section explains how that works.
Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. This includes sharing it outside the Amicus Group. The law says we must have one or more of the following reasons:
A legitimate interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you. If we rely on our legitimate interest, we will tell you what that is.
Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.
|What we use your personal information for||Our reasons||Our legitimate interests|
We use many different kinds of personal information, and group them together like this.
|Type of personal information||Description|
|Financial||Your financial position, status and history.|
|Contact||Where you live and how to contact you.|
|Contractual||Details about the products and services we provide to you.|
|Communications||What we learn about you from letters, emails, customer meetings and conversations between us.|
|Open Data and Public Records||Details about you that are in public records, such as the Electoral Register, and information about you that is openly available on the internet.|
|Documentary Data||Details about you that are stored in documents in different formats, or copies of them. This could include things like your passport, drivers licence or birth certificate.|
|Special types of data||
The law and other regulations treat some types of personal information as special. We will only collect and use these types of data if the law allows us to do so:
|Consents||Any permissions, consents or preferences that you give us. This includes things like how you want us to contact you or if you prefer large-print formats.|
|National Identifier||A number or code given to you by a government to identify who you are, such as a National Insurance number.|
We may collect personal information about you and/or your business from other companies within the Amicus Group and from these sources:
Data you give to us:
Data from third parties we work with:
We may share your personal information with companies within the Amicus Group and these organisations:
We may also share your personal information if the make-up of the Amicus Group changes in the future:
We carry out credit and identity checks when you apply for a product or services for you or your business. We may use Credit Reference Agencies to help us with this.
If you use our services, from time to time we may also search information that the CRAs have, to help us manage those accounts.
We will share your personal information with CRAs and they will give us information about you. The data we exchange can include:
We’ll use this data to:
We will go on sharing your personal information with CRAs for as long as you are a customer. This will include details about your settled accounts and any debts not fully repaid on time. It will also include details of funds going into the account, and the account balance. If you borrow, it will also include details of your repayment(s) and whether you repay in full and on time. The CRAs may give this information to other organisations that want to check credit status. We will also tell the CRAs when you settle your accounts with us.
When we ask CRAs about you or your business, they will note it on your credit file. This is called a credit search. Other lenders may see this and we may see credit searches from other lenders.
If you apply for a product with someone else, we will link your records with theirs. We will do the same if you tell us you have a spouse, partner or civil partner – or that you are in business with other partners or directors.
You should tell them about this before you apply for a product or service. It is important that they know your records will be linked together, and that credit searches may be made on them.
CRAs will also link your records together. These links will stay on your files unless one of you asks the CRAs to break the link. You will normally need to give proof that you no longer have a financial link with each other.
You can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice. This includes details about:
Here are links to the information notice for each of the three main Credit Reference Agencies:
Callcredit - www.callcredit.co.uk/crain
Equifax - www.equifax.co.uk/crain
Experian - www.experian.co.uk/crain/index.html
Before we provide products, services or financing to you or your business we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.
Both we and fraud prevention agencies can only use your personal information if we have a proper reason to do so. It must be needed either for us to obey the law, or for a ‘legitimate interest’.
A legitimate interest is when we have a business or commercial reason to use your information. This must not unfairly go against what is right and best for you.
We will use the information to:
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.
We or an FPA may allow law enforcement agencies to access your personal information. This is to support their duty to detect, investigate, prevent and prosecute crime.
FPAs can keep personal information for different lengths of time. They can keep your data for up to six years if they find a risk of fraud or money-laundering.
These are some of the kinds of personal information that we use:
If we or an FPA determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested or we stop providing existing services to you.
FPAs will also keep a record of the risk that you or your business may pose. This may result in other organisations refusing to provide you with products or services, financing or to employ you. If you have any questions about this, please contact us on the details above.
FPAs may send personal information to countries outside the European Economic Area (‘EEA’). When they do, they will impose contractual obligations on the recipients to protect your personal data to the standard required in the EEA. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.
We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime, or under the terms of a contract we have with you.
If you choose not to give us this personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services needed to run your account(s). It could mean that we cancel a product or service you have with us.
Any data collection that is optional would be made clear at the point of collection.
You can access your personal information we hold by emailing us at [email protected]
You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this. If you do, we will take reasonable steps to check its accuracy and correct it.
You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, or the ‘right to be forgotten’.
There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.
We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted.
You can ask us to restrict the use of your personal information if:
If you want to object to how we use your data, or ask us to delete it or restrict how we use it, please contact us at [email protected]
You have the right to get your personal information from us in a format that is readily accessible.
We may use your personal information to tell you about relevant products and offers. This is what we mean when we talk about ‘marketing’.
We can only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you.
You can ask us to stop sending you marketing messages by contacting us at any time.
Whatever you choose, you'll still receive statements, and other important information such as changes to your existing products and services.
We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of our business.
If you change your mind you can update your choices at any time by contacting us.
If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.
We will keep your personal information for as long as you are a customer of Amicus Group.
After you stop being a customer, we may keep your data for up to six years for one of these reasons:
We may keep your data for longer than six years if we cannot delete it for legal, regulatory or technical reasons. If we do, we will make sure that your privacy is protected and only use it for those purposes.
You also have the right to complain to the Information Commissioner’s Office. Find out on their website how to report a concern - https://ico.org.uk/concerns.
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