Here at Chippy Chat we take your privacy seriously. We are committed to protecting the rights of individuals in line with current Data Protection legislation. This means that we only collect personal information when we have a legal basis for doing so.
How We Collect Information
Chippy Chat collects personal information from you when you make an enquiry (post, email, website or phone) fill out an application or registration form.
What Personal Information We Collect
We collect the following personal information:
Name, address, contact details, date of birth, bank details, employment details and financial information.
Why We Collect Personal Information
We collect personal information about you for the following business activities:
Entering into contracts with you which will include Pre-contract checks
Product analysis and development
business management, including operations, risk and record keeping
Reporting to Credit and fraud prevention agencies (see below)
The legal reasons we process your Personal data are as follows:
The Performance of a Contract – we need to process your data in order to legally contract with you
Compliance of Our Legal Obligations – We need to process your data to comply with certain legislation
Legitimate Interests – We need to use your data for business and commercial reasons. In these cases, we have considered our interests have not outweighed your own
With your Consent – You may withdraw your consent at any time by using the contact given below.
Third Parties with Which We May Share Information and Why?
We will never pass your data to a third party for Marketing purposes.
You can choose to unsubscribe from Marketing emails at any time by calling or emailing us or clicking ‘unsubscribe’ at the bottom of any email we send you.
Please note. whilst you are a customer, you cannot unsubscribe from the emails or letters we send you regarding your agreements.
We will only disclose your information to third parties to comply with legal requirements or the regulatory authorities for the reasons listed below:
Prevent Fraud and Money Laundering – we will check that your information is correct with Fraud Prevention Agencies
Verify your identification – we may use credit scoring (an automated decision-making process) to verify your identification or evaluate your application
Credit Referencing – we may share your information with Credit Referencing Agencies. For details of what they do with your personal information, please click on the link to see the Credit Reference Agency Information Notice (CRAIN).
Who is Collecting it?
Your information will only be handled at Chippy Chat by those with a direct and appropriate need to do so. Other than that, we will only share with third parties such as our IT service supplier. In these cases, it will only be processed as part of these tasks and be subject to contractual guarantees.
How do we Keep Personal Information?
All information is held securely. Paper copies of documents are kept in locked filing cabinets. All electronic data is kept on secure servers with the commensurate level of protection required for such sensitive data.
How Long do we Keep it?
All personal data is kept under secure conditions for the duration of your agreement, or for as long as you are a customer. Sometimes we are legally required to keep the data, in which case we will only keep it for the minimum time required by law at which point it will be securely destroyed.
If there is any kind of dispute we will keep the data for the length of the dispute to ensure that we have dealt with you fairly and legally.
Any data relating to live and settled accounts will be kept in our credit files for six years from the date when they were settled or closed. In the case of a default the account will be kept for six years from the date of the default.
Your Rights over Your Personal Data
Where Chippy Chat is relying on your consent to process your personal data, you have the right to withdraw that consent at any time. You have the right to access their own personal information, may also object to the processing of their personal information, ask for any inaccuracies to be rectified, for the personal data to be erased or restricted and have the right to port the personal information in a machine-readable format. In certain cases, when we are not relying on Consent (such as when we have entered into a contract with you or are processing because of a legal obligation) we may need to hold on to your information. We would be happy to discuss any issues you might have.
Getting in Touch
If you have any concerns about the way Chippy Chat is handling your personal data please contact us on firstname.lastname@example.org and head your email Data Protection Enquiries or write in at the address at the top of this page.
In the event that any complaint is not resolved then the issue may be taken to the Information Commissioner for a decision. The Information Commissioner can be contacted at:
Information Commissioner’s Office, Wycliffe House, Water Lane ,Wilmslow, Cheshire, SK9 5AF
0303 123 1113 or by email to email@example.com. https://ico.org.uk/global/contact-us/
Updating this Policy
This policy will be updated from time to time in the light of legislative requirements. It was last updated on 23rd May 2018.