Cookie Policy

Privacy Policy & Cookies

Your privacy is important to us. We protect your personal data in accordance with the Data Protection Act 1998 (DPA) and the EU General Data Protection Regulation (GDPR).

Our ‘Privacy Policy’ explains when and why we collect personal information from those who contact us. It also explains how we use your personal data, the conditions under which we may disclose it to others and how we keep it secure.

Please be aware, that by contacting us for further information, you are agreeing to be bound by our ‘Privacy Policy’.

How to contact us regarding our Privacy Policy.

Any questions regarding this ‘Privacy Policy’ and how we use/store your data should be emailed to leamingtonspa@cashbrokers.co.uk or by writing to Advancing Limited t/a Cashbrokers, 144 Parade, Leamington Spa, CV32 4AG

How do we collect information from you?

We may collect information:

directly from you when you provide it to us by filling in an enquiry form on our website. This includes information provided by you at the time of registering to use our website (where registration is required), subscribing to any of our services or requesting further services.
if you contact us, via any means, we may keep a record of that correspondence; for example, if you wish to make a complaint or report an issue.
because of the transactions that you carry out through our website and through the fulfilment of your orders.
from public records and other third parties where we have your explicit permission to do so
using our website, including, but not limited to, traffic data, location data, weblogs, and other communication data,
Where possible we may collect statistical and analytical information about your computer browsing patterns and actions. This may also include recording your IP address, operating system, and browser type. This data does not identify any individual and is simply used for system administration and advertising analysis.
if you make a telephone call to our Store/s or Registered Office. Please be aware that calls may be recorded for training and security purposes.
when you contact us for further information about our products and services, or make enquiries regarding your account, contracts, and any transactions you have conducted with us. This includes by phone, text message, WhatsApp, email and via our website, either through our contact/enquiry form or through our live chat app.
using Google Analytics, which collects and uses data from our company website/s so we can track and analyse visitor data. Please see below for more information on how Google Analytics uses your data and for details of how to opt out.
through our use of user analysis which helps us to better understand the customer journey and experience on our website which can include, but is not limited to, session heatmaps and recordings.

Any data we store is only that which we have collected from you directly when you have contacted us for further information. We do not use data obtained from paid sources.

What personal information do we collect?

When you register to use our website and/or services we may ask you to provide certain information such as your name, address, date of birth, email address, Identification, a telephone contact number, and bank account details.
The provision of some of the above information is mandatory for most of our services. If you fail to provide such personal information, we shall be unable to provide certain services.
When you contact us about our products/services we will request personal details such as your name, telephone number, email address & correspondence address, to respond effectively to your enquiry. We may also ask for your consent to seek information from third parties which supply information such as your right to work in the UK, criminal background checks, credit score etc.
When completing our enquiry form on our Website we need the minimum of your name and either a telephone number or email address in order assist you. Please note that should you wish to proceed with purchasing one of our service we may require more information from you, as detailed above.

How do we use your personal information?

We may use the personal information we hold about you in the following ways:

to manage your account.
to carry out our obligations arising from any contracts entered between you and us.
to contact you in direct relation to any agreement or transaction you have completed with us.
to prevent fraud and money laundering.
to respond to enquiries and provide you with information about products or services that you request from us.

– to obtain feedback or reviews on the services we provide

– to notify you of changes to our service/s

if you have given your consent, then we may use your information to send you advertising communications.
to ensure that content from our website is presented in the most effective manner for you and for your computer.
to notify you about changes to our services.

Service/product applications and agreements

This explains how and why we acquire and use your personal information in accordance with Regulation (EU) 2016/679, the General Data Protection Regulation (GDPR) if you apply to use one of our services/products or enter into an agreement with us.

We may collect information about you:

as part of your transaction application and for the purposes of managing your agreement
from you, from public records and from third parties with your consent
this may include your name, address, date of birth, contact details, employment information, credit record and your agreement history.

We use your information to:

communicate with you by telephone, email, SMS, private social media platforms, or post using the contact details you have provided
manage your account
prevent fraud and money laundering

We may use your data for the above purposes to fulfil our legitimate interest of managing our legal agreement with you and where otherwise required to comply with our legal and regulatory obligations and were permitted by the GDPR. If you do not provide us with your personal information, we will not be able to do business with you.

We may also use the information we have obtained about you through conducting business with you for other purposes.

We may share your information with:

third parties to which we transfer, charge, or assign your agreement or which provide services for us
law enforcement agencies or regulatory bodies where we are required to do so by law

We will keep information relating to contracts and transactions completed with you:

for as long as it is needed to manage your account and for a maximum of six years unless a longer period is required by law

You have the right to:

access the information we hold about you
ask us to make any changes to your information to make sure it is accurate and up to date
ask us to stop or limit our use of or to delete your information (we are not obliged to do this in relation to information we need as part of our contractual relationship)
receive your information in a format that suits you
transfer your information to a third party

On what Legal basis are we using your personal information?

We will only use your personal information where it is permitted by law and where:

We need to use your personal information to enter a contract with you.
To comply with our legal obligations; and
It is in our interests to do so when there is no disadvantage to you or risk to your personal information

Sharing your personal information.

We will not sell or rent your personal information to any third parties.

We may however share your personal information in the following instances:

If we engage the services of other service providers and third-party partners who process and store data on our behalf,
Any member of the Cashbrokers franchise network, and any of Advancing Limited’s subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
If we sell any business or assets, in which case we may disclose your personal information to the prospective buyer of such business or assets.
If we or certain parts of our business are acquired by a third party, in which case personal information held by us about our customers will be one of the transferred assets.
If we have a legal obligation to disclose or share your personal information in order comply with any legal obligation.
To enforce or apply our terms of use, or terms and conditions of supply and other agreements.
To protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud prevention, anti-money laundering and the detection and prevention of crime.

How long do we keep your information?

If you purchase a service or product from us, then under UK tax law we are required to keep your basic personal data (name, address, contact details) for a minimum of 6 years after which time it can be erased on your request, unless your request contradicts our statutory or contractual obligations.

Who has access to your information?

We will not sell or rent your personal information to any third parties.

To respond to your enquiries, and send you newsletters, we may need to pass your information onto third party service providers. We will only pass these third parties the simple data required.

We maintain agreements with all third parties to ensure they do not pass this data on nor use it themselves for other purposes. We will remain the controller of your data and the third-party provider will be processor of your data.

Restricting marketing communications

If you have given consent for us to directly send you marketing , you can withdraw this consent at any time via email, leamingtonspa@cashbrokers.co.uk, by writing to Cashbrokers, 144 Parade, Leamington Spa, CV32 4AG or by phone on 01926 258252.

How you can access, update, and delete your information?

Accessing your data

You have the right to ask for a copy of the information we hold about you.

You can request a copy of this data at any time by contacting us.

We will, where possible, supply your personal data within 30 days.

Updating your data

Your personal data probably changes all the time, and the accuracy of your information is important to us. Therefore, if your details do change, or the information we hold becomes inaccurate or out of date, please let us know by contacting us and we will rectify your data.

Deleting your data

If you would like us to delete or erase your personal information from our systems, then where possible (if not required for statutory, legal, or contractual requirements) we will do so within 30 days and provide confirmation that your data has been removed from our systems.

To request that your personal data is erased from our systems, please contact us directly.

Transferring your information outside of Europe

We store your data within the EEA. To complete some forms of communications or service delivery, we may need to pass your information to service suppliers who are registered outside the European Union (“EU”). By submitting your personal data, you are agreeing to this transfer, storing, or processing. When transferring your information outside of the EU, we take steps to ensure that your privacy rights continue to be protected.

Security precautions

Our website is protected by SSL encryption and our email systems by SSL encryption, industry standard anti-virus and firewall systems. Once we receive your information, we make our best effort to ensure its security on our systems.

To prevent unauthorised access or disclosure, we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

In the unlikely event of our systems and your data being breached, then we will notify you within at least 30 days including full details of what parts of your personal data have been compromised.

Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and allows us to improve our site.

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.

Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests. The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide.

Details of the cookies used on this website can be found below. This explains which cookies may be used on the site, their purpose, and what to do if you do not consent to any specific cookies being used. Please note that since we only use cookies where they will be of benefit, any failure to consent may limit your use of this site.

Category 1: Strictly necessary cookies: These cookies enable services you have specifically asked for.

These cookies are essential to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.

Category 2: Performance Cookies: These cookies collect anonymous information on the pages visited.

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies do not collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Category 3: Functionality Cookies: These cookies remember choices you make to improve your experience.

These cookies allow the website to remember choices you make (such as your username, language, or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts, and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

You may be able to block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our website.

If you do not agree to cookies being placed, please notify us of the cookies to which you do not agree to. Except for essential cookies, all cookies will expire after twelve months.

Google Analytics Cookies are also used on our site, which allows Google to track a visitor’s data on the website. Further details on our usage of Google Analytics, and associated cookies can be found below and at http://code.google.com/apis/analytics/docs/concepts/gaConceptsCookies.html

Google & Social Media

Online presence in social media

We maintain an online presence within social networks and platforms to communicate with active customers, prospective customers, and general users of our services and to inform them about our services, offerings, and changes. When accessing the respective networks and platforms, the terms and conditions and the data processing guidelines of their respective operators apply.

Unless otherwise stated in our privacy policy, we process the data of users who communicate with us within social networks and platforms, e.g., write articles on our websites or send us messages.

Targeted Facebook Advertising

We collect information about your online activities on our website www.cashbrokersleamingtonspa.co.uk, to provide you with targeted advertisements on third party advertising network Facebook (https://www.facebook.com/policies/ads) – from which you can opt out.

Through targeted Facebook advertising, we can target our adverts and messaging to users through demographic, interest-based and contextual means. We may also use our own cookies to serve you relevant advertising.

If you would like to turn this service off, you can do so through the manage cookies settings within your browser.

We can track your online activities over time by collecting information through automated means, including, using of third-party cookies and pixels. Facebook uses this information to show you advertisements that may be tailored to your individual interests. The information Facebook may collect on our behalf includes data about your visit to their website, such as the pages or advertisements you view and the actions you take.

This data collection takes place on our website(s), through tracking tools such as Google Analytics and on Facebook. This process helps us track the effectiveness of our marketing efforts.

Google Analytics

For the purposes of the analysis, optimisation, and economic operation of our online offerings, we use Google Analytics, a web analysis service of Google LLC (“Google”). Google uses cookies. The information generated by the cookie about the use of the online offer by users is generally transferred to a Google server in the USA and stored there.

Google is certified under the Privacy Shield Agreement and thus offers a guarantee to comply with European data protection law (https://www.privacyshield.gov/participant?id=a2zt000000001L5AAI&status=Active).

Google will use this information on our behalf to evaluate the use of our online offerings by users, to compile reports on the activities within this online offer and to provide us with further services associated with the use of this online offer and the use of the Internet. Pseudonymous user profiles can be created from the processed data.

We use Google Analytics only with IP anonymization enabled. This means that Google will reduce the IP address of users within Member States of the European Union or in other states party to the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and shortened there.

The IP address transmitted by the user’s browser is not merged with other Google data. Users can prevent the storage of cookies by adjusting their browser software accordingly. Users are also able to prevent Google from collecting the data generated by the cookie and relating to their use of the online offer and the processing of this data by Google by downloading and installing the browser plug-in available under the following link: https://tools.google.com/dlpage/gaoptout?hl=en.

Further information on data use by Google, possible settings and objections can be found in Google’s data protection declaration (https://policies.google.com/technologies/ads) and in the settings for the display of advertisements by Google (https://adssettings.google.com/authenticated).

Users’ personal data will be deleted or made anonymous after 14 months.

Google Marketing & Remarketing services including Adwords

For the purposes of the analysis, optimisation, and economic operation of our online business, we use Google’s marketing and remarketing services (“Google Marketing Services” for short) of Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA, (“Google”).

The Google marketing services allow us to target ads for and on our site to present users only with ads that potentially match their interests.

For example, if a user sees ads for products that he/she has been interested in on other websites, this is referred to as “remarketing”. For these purposes, when our and other websites on which Google marketing services are active are accessed, Google directly executes a code from Google and (re)marketing tags (invisible graphics or code, also known as “web beacons”) are integrated into the website. With their help, an individual cookie, i.e., a small file, is stored on the user’s device (comparable technologies can also be used instead of cookies). Cookies can be set by various domains, including google.com, doubleclick.net, invitemedia.com, admeld.com, googlesyndication.com or googleadservices.com. In this file it is noted which websites the user visits, which contents he is interested in and which offers he has clicked on, furthermore technical information about the browser and operating system, referring websites, visiting time as well as further information about the use of the online offer.

The IP address of the users is also recorded, whereby we inform within the framework of Google Analytics that the IP address is shortened within member states of the European Union or in other signatory states of the European Economic Area Agreement and only in exceptional cases completely transmitted to a Google server in the USA and shortened there. The IP address is not combined with the user’s data within other Google offers. The above information may also be linked by Google to such information from other sources. If the user then visits other websites, the ads tailored to his interests can be displayed.

Users’ data is processed pseudonymously within the framework of Google marketing services. This means that Google does not store and process, for example, the names or e-mail addresses of users, but processes the relevant data cookie-related within pseudonymous user profiles. This means from Google’s point of view, the ads are not managed and displayed for a specifically identified person, but for the cookie holder, regardless of who this cookie holder is. This does not apply if a user has expressly permitted Google to process the data without this pseudonymisation. The information collected by Google marketing services about users is transmitted to Google and stored on Google’s servers in the USA.

One of the Google marketing services we use is the online advertising program “Google AdWords”. In the case of Google AdWords, each AdWords customer receives a different “conversion cookie”. Cookies cannot therefore be traced through the websites of AdWords customers. The information collected by the cookie is used to generate conversion statistics for AdWords customers who have opted for conversion tracking. AdWords customers see the total number of users who clicked on their ad and were redirected to a page with a conversion tracking tag. However, you will not receive any information that personally identifies users.

We may include third-party advertisements based on the Google marketing service “AdSense”. AdSense uses cookies to enable Google and its partner sites to serve ads based on users’ visits to this site or other sites on the Internet.

We can also use the “Google Tag Manager” to integrate and manage Google analysis and marketing services into our website.

Further information on Google’s use of data for marketing purposes can be found on the overview page: https://www.google.com/policies/technologies/ads, Google’s data protection declaration can be accessed at https://www.google.com/policies/privacy

If you wish to object to interest-based advertising by Google marketing services, you can use the setting and opt-out options provided by Google: https://www.google.com/ads/preferences.

Contact & Complaints.

If you have question, want to exercise your rights, or make a complaint about any of our services then please contact us by one of the following methods:

Telephone

01926 258252

leamingtonspa@cashbrokers.co.uk

Post

Cashbrokers

144 Parade

Leamington Spa

CV32 4AG

For complaints relating to our Pawnbroking Service and if we cannot resolve your complaint, you may contact the Financial Ombudsman Service at:

Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Tel: 08000 234 567

If at any point you wish to raise a complaint about how we have handled your personal data, then please contact us directly.

If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law, you can complain to the following government body:

Information Commissioner’s Office (ICO)

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

www.ico.org.uk.

Cashbrokers Leamington Spa is a trading name of Advancing Limited, registered in England & Wales Company No. 07532678.

Registered for VAT GB112840742.

Registered office 144 Parade, Leamington Spa, CV32 4AG.

Authorised and regulated by the Financial Conduct Authority for Consumer Credit Activities. Our firm reference number is 642680; please see the Financial Services Register.

This authorisation is limited to the provision of Pawnbroking only and excludes all other services. We are members of the National Pawnbrokers Association NPA (member 001745)

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