Privacy Policy

At United Kash, we're committed to protecting and respecting your privacy. We know that you care about how your information is used and shared and we appreciate your trust in us to do that carefully and sensibly. This notice describes our privacy policy and forms part of our website terms and conditions ("Website Terms").

By accepting our Website Terms or by visiting ("the Website") you are accepting and consenting to the practices described in this Privacy Policy.

Who are we?

We are a financial services company who purchase debt from lenders in the UK. We operate under the following details:

United Kash Limited
Epsilon Business Centre, West Road
Ransomes Euro Park,
Ipswich
Suffolk
IP3 9FJ

FCA: 672388
ICO: Z3027708

How do we collect information from you?

We collect Personal Data from you:

  • When you take a service or product from us.
  • When you contact us, or if you have replied to a communication from us.
  • The electoral register.
  • A third party who acts on our behalf.

What type of information is collected from you?

This Includes:

  • contact details;
  • date of birth;
  • payment details;
  • bank details;
  • shopping preferences;
  • email details;
  • IP addresses.

What is our lawful basis for collecting this data and why do we need this?

In order for us to process your data we have to have a lawful basis to do so. We are relying on the following basis to do so:

  • Consent: you have given clear consent for us to process your personal data for a specific purpose.
  • Contract: the processing is necessary for a contract (loan agreement) you have, or because you have asked us to take specific steps before entering into a contract (loan agreement).
  • Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party (debt collector/lawyer) unless there is a good reason to protect your personal data which overrides those legitimate interests.

We have identified these lawful basis to assess whether we can provide you with a loan, continue to market to you or manage your account.

How is your information used?

We use your information so that:

  • We can identify you when you contact us.
  • We can identify accounts, services and products you may have from us.
  • We can offer you other products.
  • We can prevent and detect fraud or loss.
  • We can check your information with fraud prevention agencies. If you give us false or inaccurate information and we suspect that there may be fraud we will record this.
  • We can improve your account administration.
  • We undertake marketing analysis and customer profiling.

Do you record calls or emails?

Yes.

Who has access to your information?

  • all our staff;
  • third parties including police or government agencies should they request it;
  • if any officials request it for legal proceedings;
  • credit brokers or affiliates - if we sell your data;
  • debt collectors if our loan remains unpaid;
  • solicitors if our loan remains unpaid and we pursue you in court;
  • if our company and all of its assets are bought by a third party your personal data will also be transferred to this third party;
  • a third party if we need to pass on personal data to others so that we can collect debts that are owed, marketing information and customer services.
  • credit reference agencies.
  • Third parties who provided us with any outsourcing admin services.

Do you sell data?

No.

Third Parties

There may be occasions where we process personal information relating to third parties. In these instances we commit to ensuring ongoing adherence to Data Protection Laws. Information processed will remain proportionate, relevant and not excessive. This includes;

  • Name
  • Email Address;
  • Address;
  • Contact Details;
  • Any other information disclosed by the individual.

Personal information relating to a customer's appointed third-party representative will be retained for the duration such authority remains valid and for a defined period thereafter.

What security do you have to protect my data?

We have a very strict policy on protecting your Personal Data:

  • We make sure we do thorough checks on everyone we work with.
  • We also ensure that you use a secure password to access your account and encourage you to sign off properly when using a shared computer.
  • We use encrypted software.
  • We continually test our systems to see whether it can be penetrated by malicious software and outside third parties looking to steal data. Our regulators expect us to do this to ensure our systems are secure.

How can you update and access your information?

Please email us at customerservice@unitedkash.com heading [change my data] - we will also write to you annually.

Do we use Cookies?

Yes.

Why do we use Cookies?

Cookies cannot be used to identify you personally and are used to improve services for you, for example through:

  • letting you navigate between pages efficiently;
  • enabling a service to recognise your computer so you don't have to give the same information during one task;
  • recognising that you have already given a username and password so you don't need to enter it for every web page requested;
  • measuring how many people are using services, so they can be made easier to use and that there is enough

See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies.

Do you buy data?

No.

Do we profile your information?

No.

What age must I be?

18

Do we review our Privacy Policy?

Yes, we can update our privacy policy without letting you know.

What are my rights?

You have the following rights for your data:

  • The right to be informed
  • The right of access
  • The right to rectification
  • The right to erasure
  • The right to restrict processing
  • The right to data portability
  • The right to object
  • Rights in relation to automated decision making and profiling.

For further information in relation your rights visit www.ico.org.uk

Who can I write to get more information about this Privacy Policy?

Chris Prime

United Kash Limited, Epsilon House, West Road, Ransomes Euro Park, Ipswich, Suffolk, IP3 9FJ customerservice@unitedkash.com

ICO number: Z3027708

Unitedkash.com

Who is your supervisory authority in relation to Data Protection?

The Information Commissioners Office www.ico.org.uk