We make this statement in the light of the requirements of the Data Protection Act 1998. To ensure your full understanding of this policy, any reference to "Personal Data" shall mean any personal information (including sensitive personal data) that is capable of identifying you. This information may include your name, address, telephone number, fax number, e-mail addresses and credit card or bank account details. Any reference to "Website" shall mean a reference to this website, which is accessible from the domain name www.nisaretail.com.
If you have any query about this policy, please contact our data protection compliance officer, whose details are recorded below:
By accessing this Website, you shall be regarded as having had sufficient notice of the contents of this policy. Your use of this Website shall constitute the giving of your consent to allow us to process your Personal Data.
We have notified/registered with the Office of the Information Commissioner, our intention to process your Personal Data in accordance with the Data Protection Act 1998. Details of our notification/registration are available for inspection at the website address www.dpr.gov.uk, the respective registration number being Z6044803.
Personal Data may be requested by us, or voluntarily forwarded by you through one of several electronic mail hypertext links, present in the body of this Website. We shall not request, collect or process any Personal Data of a sensitive nature from you, without first obtaining your express written consent.
In order that we can monitor and improve our Website, we may gather certain information about you when you use it, including details of your domain name and IP address, operating system, browser, version, and the web site that you visited prior to our site. We may do this by way of a "cookie".
The Personal Data collected by us from you, may be utilised by us to:
If at any time you apply for a credit facility from us, when you apply for such credit we will search your record at a credit reference agency or agencies. This may include details taken from the electoral register and could also be linked to, or associated with, other people's financial records. If so, you may be treated as financially associated and these records may be used when assessing your application. When you apply jointly with another applicant your financial records will be linked with theirs until one of you successfully files a disassociation at the credit reference agencies. Even if your application goes no further the credit reference agencies will add details of this search and your application to your record.
We may use automated decision making systems when assessing you for credit and for fraud prevention.
We will check your details with a fraud prevention agency or agencies and if you give us false or inaccurate information and we suspect fraud we will record this with them. We and other organisations may use and search these records to help make decisions about credit and related services or to consider motor, household, credit, life and other insurance policies, and to check your identity to prevent money laundering, unless you give us other satisfactory proof of identity. Please telephone us on 01484 427 383 if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we give information about you. You have a legal right to these details. We, the credit reference agencies and the fraud prevention agencies may also use the records for statistical analysis about credit insurance and fraud.
We may disclose your Personal Data to carefully selected third parties and organisations for marketing purposes. They may inform you (by e-mail or in writing) of the products and services which they may offer from time to time.
If you choose insurance along with your credit account we will pass your Personal Data to the insurer who will use them to administer the policy.
We may also disclose information to legal and debt recovery representatives for debt collection and debt tracing purposes.
We may also disclose Personal Data if required to do so by law or in the good-faith and belief that such action is necessary to::
Sometimes we may need to transfer Personal Data to countries which do not provide the same level of data protection as the United Kingdom. If we do need to make such a transfer, then we shall put a contract in place so as to ensure that the Personal Data is adequately protected.
We always take appropriate measures to safeguard the Personal Data we hold from unauthorised access or improper use.
We operate appropriate secure socket layer technologies within our website, together with a strict internal security policy with which our employees must comply as a condition of their employment with us.
Use of personal data is only allowed on condition that the subscriber or user concerned has given his or her consent, having been provided with clear and comprehensive information, inter alia about the purposes of the processing.
Any enquiries regarding this policy must be directed in writing for the attention of our Data Protection Compliance Officer.
Under the Data Protection Act 1998, you have the right to request details of your Personal Data held or processed by us.
Please send such requests in writing to the address above, marked for the attention of the Data Protection Compliance Officer. Any request must be accompanied by the statutory administration fee of £10.00.
If you believe that any information held by us is incorrect, inaccurate or incomplete, then you must write without delay to our Data Protection Compliance Officer, highlighting the corrective action to be taken. If any information is found to be incorrect, it shall be corrected promptly.
We shall always afford you the opportunity of opting out of receiving any unsolicited marketing communications. To opt-out of receiving any such communications, please send an electronic mail headed "OPT-OUT" to us at email@example.com.
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