We hope you take the time to read this policy. It is important to check back often for updates to this policy. If we make changes we consider to be important, we will let you know by placing a notice on the relevant service.
QI Finance.com Limited, Bank House, 2 Library Place, St Helier JE2 3NL.
Qi Finance has appointed a Data Protection Officer (DPO). Our Customer Service team will be your initial point of contact if you wish to exercise your rights. Please see the 'Your Rights' section below. You can contact our DPO at email@example.com.
Like most website operators, we collect non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Our purpose in collecting non-personally identifying information is to better understand how visitors use our website.
We also collect potentially personally-identifying information like Internet Protocol (IP) addresses for users completing forms on our website. We only disclose logged in user IP addresses under the same circumstances that we use and disclose personally-identifying information as described below.
We may also collect statistics about the behaviour of visitors to our website. For instance, we may monitor the most popular pages on the site. We do not display this information publicly or provide it to others.
We collect information about you during the loan application process for any of our products and services. This information includes personally identifiable information, employment information, financial data and any other details that might be required from you for the purpose of using our services.
We may also collect the following additional information and documentation:
Not all the personal and credit information we hold about you will always come directly from you. We may also collect information from third parties such as our partners, credit service providers and publicly available websites (i.e. social media platforms), to comply with credit underwriting, legal and regulatory obligations.
The prime purpose of collecting this information is for the application, provision and management of credit related financial products and services. The processing of such information is considered necessary in order to:-
Your personal and financial information may be transferred or disclosed to trusted third parties, for the processing of that personal information based on our instructions and in compliance with this policy and any other appropriately confidential and secure measures.
Our third-party service providers and partners include:-
By providing personal information to us as part of the application for credit facilities, you fully understand and expressly consent to the processing of that data as described within this policy. If you do not agree to this policy, please do not apply for any of the available credit products and services.
Under the General Data Protection Regulation (GDPR), you, as a data subject have a number of rights which are detailed below. Some of these only apply in specific circumstances and are qualified in several respects by exemptions in data protection legislation. We will advise you in our response to your request if we are relying on any such exemptions.
You have a right to request a copy of the personal information that we hold about you. Should you wish to make such a request, please see the Contact Us section for information on how to contact us.
You should include adequate information to identify yourself and such other relevant information that will reasonably assist us in fulfilling your request. Your request will be dealt with as soon as possible but no later than within one month.
You can request us to rectify and correct any personal data that we are processing about you which is incorrect.
Where we have relied upon your consent to process your personal data, you have the right to withdraw that consent.
You can request us to erase your personal data where there is no compelling reason to continue processing. This right only applies in certain circumstances and is not a guaranteed or absolute right. Any regulatory or legal requirement to retain your records will take precedence.
This right allows you to obtain your personal data that you have provided to us with your consent or which was necessary for us to provide you with our products and services in a format which enables you to transfer that personal data to another organisation.
You have the right in certain circumstances to request that we suspend our processing of your personal data. Where we suspend our processing of your personal data we will still be permitted to store your personal data, but any other processing of this information will require your consent, subject to certain exemptions.
You have the right to object to our use of your personal data which is processed on the basis of our legitimate interests. However, we may continue to process your personal data, despite your objection, where there are compelling legitimate grounds to do so or we need to process your personal data in connection with any legal or regulatory claims.
You have the right not to be subject to a decision which is based solely on automated processing (without human involvement) where that decision produces a legal effect, or otherwise significantly affects you. This right means you can request that we involve one of our employees or representatives in the decision-making. We are satisfied that we do not make any automated decisions of this nature.
For any requests related to your personal information or any of your rights referenced above, please feel free to contact us in one of the following ways:-
If you are not satisfied with how we manage your personal data, you have a right to make a complaint to your local Information Commissioner.
We retain personal information for as long as we reasonably require it for legal or business purposes. For the jurisdictions in which operate, and subject to us not having a legal or regulatory requirement, or a risk management reason for retaining your information for a longer period, your information will not be kept for longer than 6 years following that date on which your relationship with us ceases. We will take all necessary steps to ensure that the privacy of information is maintained for the period of retention.
We recognise that online security and data protection is an area of vital importance for all our customers, so it is important to us that you have confidence in the security of your personal details. We are committed to employing security measures to protect your information from access by unauthorised persons and to prevent accidental or unlawful processing, disclosure, destruction, loss, alteration and damage. As the security of some communications via the internet is not completely secure, we cannot guarantee the security of any information that you disclose using your internet connection. You accept the inherent security implications of using the internet and Qi Finance will accept no liability for any direct, consequential, incidental, indirect, or punitive losses or damages arising out of such an occurrence