Privacy Policy

IN-SYNC Credit Services Ltd is a company registered in England and Wales. Registered number: 8262629. Registered address: Ash House, Tanshire Park, Shackleford Road, Elstead, Surrey GU8 6LB.

IN-SYNC Credit Services Ltd is authorised and regulated by the Financial Conduct Authority. Firm Registration number: 654597.

Information Commissioner’s Office Data Protection registration number: Z3445072.

For the purposes of the Data Protection Act 1998, the data controller is IN-SYNC Credit Services Ltd.

This Privacy Policy describes the privacy practices of IN-SYNC Credit Services Ltd and its affiliated companies and partnerships regarding individually identifiable information relating to you ("Personal Data") that you or third parties provide to IN-SYNC Credit Services Ltd, including Personal Data collected or provided on IN-SYNC's websites at www.insync-creditservices.com ("Website"). "You" or "Your" means you as a participant in, or as a user of, the Website or a customer of IN-SYNC Credit Services Ltd. "We", "our" or "us" means IN-SYNC Credit Services Ltd and its affiliates.

By providing us with your personal information on our Website or in the course of using our services, you consent to the transfer of your Personal Data to companies outside the EU and authorised third parties, in accordance with this Privacy Policy.

By visiting and using our Website, you are consenting to the practices described in this Privacy Policy.

We encourage all customers or users of our website to familiarise themselves with this statement and our site terms.

What information we collect

You are free to browse the Website without providing any personal data (although, please see the "Cookies" section below). Our primary goal in collecting Personal Data is to provide you with an accurate, customised credit transaction. The information we collect about customers helps us personalise and continually improve our customers' experience at our Website and their experience of services provided by us and our affiliates. We collect the following types of information:

• Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser).

• Information provided by you through on-line forms, loan applications, surveys, and/or other entries, such as names, email addresses, home addresses, date of birth, personal, financial (bank account details) or demographic information.

• Information, user specific or aggregate, on what pages our visitors access.

• Automatic information and cookies (See also the "Cookies" section below).

• Information about your transactions with us, such as payment history and loan balances, and information you provide when you contact our customer service department.

• Information we receive from our affiliates, and from third parties, such as credit reference agencies, consumer reporting agencies and other lenders, regarding creditworthiness, credit history, and loan repayment history.

• The email addresses of visitors that communicate with IN-SYNC Credit Services Ltd via email.

To ensure that we are providing materials of interest to you, we may monitor whether you have clicked on the images and/or links therein. Our email communications may include HTML-based email messages, which includes a coded sensor that is activated when the email message is opened. This sensor communicates to us the date and time the message was opened and, more importantly, whether your computer is capable of receiving HTML-based email. You will receive a functioning sensor only if your computer is enabled to accept HTML email.

How we use and disclose personal data

We use your Personal Data to process credit transactions such as verifying your identity and credit standing to (1) enable us to consider and process your application, (2) to assess your credit history and the validity of your debit card details by processing one or more test transactions without any money being taken from your account and will not affect your credit history, (3) confirm your employment details, (4) enhance your experience of our Website and of our services, and (5), as described in the next section below, to transmit marketing communications. We may also use your Personal Data for such purposes as processing payments, updating and maintaining our records, of your dealings and relationship with us, conducting statistical analysis and for editorial or feedback purposes for third-party media/marketing agencies.

We may store and use your Personal Data for our own business or operational purposes, e.g. to ensure that we do not collect inaccurate or duplicate information about you. We may also process your Personal Data for the purposes of complying with legal obligations.

When you provide your Personal Data to us, you are consenting to sharing it with our agents and other parties as further described herein:

Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, magazine publishers, retailers, direct marketers, and site analysis providers. Please be assured their access is limited only to the Personal Data needed to perform the functions carried out on our behalf as our agent, and only for the purpose of performing those functions, and they are prohibited from using or disclosing the Personal Data for other purposes.

Credit Reference Agencies: We use credit reference agencies (“CRAs”) to assess your application for credit and verify your identity to prevent crime and money laundering. We may also make periodic searches at CRA’s in order to refresh our records and manage your account with us. Information on applications will be sent to CRAs and will be recorded by them. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and any fraud prevention information. Where you borrow from us, we will give details of your account(s) and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRA’s will record the outstanding debt. This information may be supplied to other organisations by CRAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. You can contact the CRAs currently operating in the UK. Information held by CRAs may not be the same so it is worth contacting them all. They will charge you a small statutory fee for the provision of information.

- CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414

- Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk

- Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk



Fraud Prevention: If false or inaccurate information is provided, including in relation to a person's identity and fraud is suspected or identified, details about this information, including customer Personal Data, may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent and detect crime, fraud and money laundering, e.g. when: (1) checking details on applications for credit and credit related and other facilities, (2) managing credit and credit related accounts or other facilities, (3) recovering debt, (4) checking details on proposals and claims for all types of insurance; and (5) checking details of job applicants and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Other Disclosures: In accordance with our customary practices and those in our industry, we disclose information about you, your transactions with us, and how you manage your borrowing to our affiliates and to credit reference agencies. If necessary in connection with the sale or transfer of the loans or all or part of the business, we disclose relevant Personal Data to third party purchasers or transferees. We also release Personal Data if it becomes necessary for compliance with law or to protect the rights, property, or safety of our Website, our users, or third parties. We reserve the right to release such Personal Data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.

With Your Consent: Other than as set out above, you will receive notice when Personal Data about you may be shared with third parties not described above, and you will have an opportunity to choose not to share the Personal Data.

If you have any questions or concerns about the sharing of your Personal Data as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices in limited circumstances. In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion.

Subject to certain exceptions, you have the right of access to your personal records and information that we hold about you, upon written request and payment of a charge of up to £10. You will need to make a separate request and pay a separate fee for each company within our group of affiliated companies whose records you wish to access.

Marketing and opt-out rights

By submitting Personal Data on our Website, you understand and agree that we may use your Personal Data, including the phone number, email address, or postal address you provide to us to contact you by post, telephone, email or SMS (Short Message Service) i.e. text message to assist you with your account(s) or to discuss other products and services that we may provide.

We will allow you to opt-out of the use of your Personal Data for marketing purposes by us at any time by one of the following methods:

Email: if available, click the "Unsubscribe" link in any email communication and submit your email address on the next screen. Or by emailing ics.sales@in-syncgroup.com

Telephone: Please feel free to call us on 01252 702270. Mon-Thur, 8:30am-6:00pm, Fri 8:30am-5:00pm, or Saturday 9:00-1:00pm.

If you opt-out of our use of your Personal Data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other inquiry. We will only transfer your Personal Data to third parties with your opt-in consent to do so.

Providing Bank Transaction History via Perfect Data Solutions Limited

You are not required to provide us with viewing access to your bank account transaction information (Transaction History) or internet banking access details. You may still be allowed to apply for a loan with us if you do not provide us with this information. However, if you do it will help us make an informed decision about whether we can lend to you. If you agree that we may access your Transaction History the following provisions shall apply.

Provide Accurate Information. You, agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information. You agree to keep your bank account information up-to-date, accurate and complete.

Purposes. We will access your Transaction History using the services of a credit reference agency called Perfect Data Solutions Limited (PDS). We will use your Transaction History to assess your creditworthiness and whether the loan you seek is affordable. Neither we nor PDS will store or have access to your internet banking credentials, PIN codes or passwords. That information is encrypted in transit and stored by a third party service provider upon their servers in a secure environment outside the EEA.

Third Party Accounts. By agreeing to allow us viewing access to your Transaction History, you authorise PDS and PDS's service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days. You agree that PDS and PDS's service providers may, and are instructed by you as your agent and nominated representative, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. This will include the following purposes: copying Transaction History over a 90 day period and storing the copied Transaction History on our servers.

You agree that the Transaction History shall also be used by PDS for credit reference agency purposes and may be taken into account when producing your individual credit score which may be shared with other organisations as part of your credit record.

You acknowledge and agree that when we, PDS or PDS's service providers access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). You should be aware that third party account providers shall be entitled to rely on this authorisation and agency granted by you. You should also be aware that this service is not endorsed or sponsored by any third party bank account providers. We would recommend that you refer to the terms and conditions of your internet banking provider if you would like more information.

You understand that allowing us to review your Transaction History is at your sole risk. We are only able to review your Transaction History on an "as is" and "as available basis" as it is made available to us by service providers. It may not be available to us from time to time.

We cannot guarantee that allowing us to review your Transaction History will guarantee the success of your loan application or the rate at which the loan is available.

Cookies

We receive and store certain types of information whenever you interact with our Website. For example, like many websites, we use "cookies" to obtain certain types of information when your Web browser accesses our Website and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer's hard drive via your Web browser. They allow us to provide you with a more convenient and personalised experience by recording information about your preferences.

A web browser is usually set to accept cookies automatically but can be changed to decline them. The Help section of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our Website.

We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.

We use aggregated customer information to help us understand how our website is performing commercially and what we can do to improve performance. We may provide this information to other companies, such as third party advertisers. This information does NOT include any personal details that can be used to identify individuals.

If you do not want to receive cookies from us, please follow the procedures below. These procedures do not apply to cookies sent by our business partners.

Cookies used by IN-SYNC Credit Services Ltd

IN-SYNC Credit Services Ltd use the following cookies:
• Session ID - Enables us to maintain the consistency of your browsing session as you move across pages on the IN-SYNC Credit Services Ltd site, including during the website loan application process.
• User ID - Allows you to access the personal information regarding your account.
• Web site Analytics - This website uses Google Analytics to collect information about user’s visits to the sub-me.com web site including the number, source and the pages they have visited. We use the information to compile reports, which help us to understand user behaviour on our site and how we might be able to improve our service.

How to find and control your cookies

For Internet Explorer 6.0 or 7.0:
1. Choose Tools, then:
2. Internet Options
3. Click the Privacy tab
4. Click on the 'Advanced' button
5. Check the 'Override automatic cookie handing' box and select Accept, Block or Prompt for action as appropriate

If you're using Mozilla Firefox:
1. Choose Tools, then:
2. Options
3. Privacy
4. Cookies
5. Set your options as required.

If you're using Opera 8+:
1. Choose Tools, then
2. Preferences
3. Advanced
4. Select Cookies
5. Select your settings using the available options.


If you're using Safari:
1. Choose Safari, then
2. Preferences
3. Security
4. Select options by Accept Cookies as required.

If you're using Google Chrome:
1. Choose Chrome, then
2. Preferences
3. Under the Hood
4. Content Settings
5. Set your options within the Cookies section.

How do you know which of the sites you've visited use cookies? If you're using Internet Explorer:
1. Choose Tools, then
2. Internet Options
3. Click the General tab
4. Click Settings
5. View Files

If you're using Mozilla Firefox:
1. Choose Tools, then
2. Options
3. Privacy
4. Cookies
5. Click the Show Cookies button

If you're using Opera 8+:
1. Choose Tools, then
2. Advanced
3. Click Cookies

If you're using Safari:
1. Choose Safari, then
2. Preferences
3. Security
4. Click Show Cookies button

How to see your cookie code

Just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.

How we protect the security of your personal data

We maintain reasonable measures to protect the security and confidentiality of your Personal Data, and strive to keep it accurate, and only for as long as is necessary. Some of the specific security measures we maintain include:
• We store Personal Data in a restricted access format.
• We transmit Personal Data in an encrypted format.
• Our networks are secured with certified firewalls.
• Our network-related equipment (e.g., firewalls, routers, switches, etc.) are secured with a password, and access is limited to authorised network engineers.
• We restrict the access of customer service support staff so that certain Personal Data cannot be viewed (e.g. full bank account Personal Data is not revealed, but only a partial number of digits to allow verification).
• It is important for you to protect against unauthorised access to your User ID and to your computer. Be sure to sign off when finished using a shared computer.

How long we keep your information

We will keep the information that is necessary to enable us to provide you with a service that you have requested through this website for as long as it takes us to provide that service.

If you have asked that we do not use your details for marketing purposes, we may still need to keep them to ensure our systems reflect your preferences.

We will generally keep records of any transactions you enter into on this website for a minimum of six years from the end of the relationship.

We will keep other information about you if it is necessary for us to do so to comply with the law, or where appropriate for legitimate business needs.

You may access your personal data about your accounts

We believe that you should have the ability to review and update your account Personal Data. We give you access to Personal Data about your account and your interactions with us for the purpose of viewing Personal Data. This is accessed by you at your password-protected access portal at www.insync-creditservices.com

For information about your rights to access other Personal Data that we hold, please contact using details under the “Marketing and opt-out rights” section of this web page.

Children

We do not seek or knowingly collect any Personal Data about children under 18 years of age.

How to find out more

This is a condensed version and if you would like to read the full details of how your data may be used please email us at ics.info@in-syncgroup.com

Conditions of Use and Revisions

If you choose to visit our Website, your visit and any dispute over privacy is subject to this Privacy Policy.

If you have any concern about privacy or have any questions or comments, please send them to:

IN-SYNC Credit Services Ltd
Ash House
Tanshire Park
Shackleford Road
Elstead
Surrey
GU8 6LS

We reserve the right to change this Privacy Policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website.

Privacy Policy last amended January 2017.