Terms of website use
These terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website www.premium-credit.co.uk (our site), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.
Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference.
By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.
Other applicable terms
These terms of use refer to the following additional terms, which also apply to your use of our site:
If you purchase or subscribe to services from our site, separate terms and conditions will apply to those services.
Information about us
www.premiumcredit.com is a site operated by Premium Credit Limited ("we"). We are registered in England and Wales under company number 02015200 and have our registered office at Premium Credit House, Ermyn House, Ermyn Way, Leatherhead, Surrey KT22 8UX. We are regulated by the Financial Conduct Authority. We are a member of the Finance and Leasing Association (FLA) and we follow the FLA Lending Code a copy of which is available on request.
Changes to these terms
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we make, as they are binding on you.
Changes to our site
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Accessing our site
Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Your account and password
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at marketing@pcl.co.uk.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
No reliance on information
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.
Limitation of our liability
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
use of, or inability to use, our site; or
use of or reliance on any content displayed on our site.
If you are a business user, please note that in particular, we will not be liable for:
If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any finance to you, which will be set out in any credit agreement we enter with you.
Uploading content to our site
Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use Notice.
You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you licence to us are described in the next section (Rights you licence).
We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our site.
We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Notice.
The views expressed by other users on our site do not represent our views or values.
Rights you licence
When you upload or post content to our site, you grant the following licenses:
Viruses
We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.
The website in which you are linking from must comply in all respects with the content standards set out in our Acceptable Use Notice. If you wish to make any use of content on our site other than that set out above, marketing@pcl.co.uk.
Third party links and resources in our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources.
Applicable law
If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
Trade marks
Premium Credit Limited and School Fee Plan are registered trade marks of Premium Credit Limited.
Contact us
To contact us, please click here
Thank you for visiting our site.
This Premium Credit My Details (App) is brought to you by Premium Credit Limited.
Premium Credit Limited ("we", “us”) are committed to protecting and respecting your privacy.
By using the App (and as is made clear to you before you install the App on your device) you are accepting and expressly consenting to the practices described in this notice. This notice (together with our terms of use above and any other documents referred to in it) sets out the basis on which any personal data we collect from you or that you provide to us, via our App, will be processed by us. Please read the following carefully before you install the App to understand how we will treat your personal data.
For the purpose of applicable data protection law including the Data Protection Act 1998 and, from its entry into force on 25 May 2018, the General Data Protection Regulation (Regulation (EU) 2016/679) (together, the DP Law), the data controller is Premium Credit Limited of Ermyn House, Ermyn Way, Leatherhead, Surrey KT22 8UX.
The meaning of personal information/personal data
Some of the information we collect about you will be able to identify you directly or indirectly as an individual, either when we use it on its own or when we combine it with other information in our possession. This includes identifiers such as your name, identification number, location data, online identifiers (for example, IP addresses – if they can be used to identify you) or to one or more factors specific to your physical, physiological, genetic, mental, economic, cultural or social identity. This information is personal information (also known as personal data) and the way we use it is governed by the DP Law and it is processed pursuant to this privacy notice.
Personal Information also includes special categories of personal data. This is data about your racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, data concerning your health, sex life or sexual orientation. In the unlikely event that any of this is collected from you during your use of the App – you may be asked at the point of collection to provide your explicit consent where needed in order to justify our processing of it.
When this Mobile App privacy notice applies
Any personal data we collect from you or that you provide to us via the App will be processed in accordance with this Mobile App privacy notice and it applies in addition to any separate terms or privacy notices made available to you at any other time.
This Mobile App privacy notice does not apply to the personal data we collect from you (as relevant) in connection with your use of our website. Please refer to the separate privacy notice on our website in that regard. It does not apply to the personal data we collect from you when you apply to obtain our credit related products or services or when we sign up to written terms with you in connection with the same (please refer to the separate privacy notice(s) issued to you in the credit agreement on those occasions).
Information we may collect when you use our Mobile App
We may collect and process the following data about you:
Information you give us. You may give us information about you by filling in forms on our App or by corresponding with us by phone, e-mail or otherwise in connection with our App. This includes information you provide when you register to use our App, subscribe to our service, report a problem with our App or in any other instances you provide us with information in connection with our App. The information you give us may include, without limitation, your name, address, e-mail address, phone number, date of birth and financial information meaning salary/earnings details, bank account details including sort code and account number and payment card data.
Information we collect about you. Each time you visit our App we may automatically collect information about how you access and use the App. For example, we may monitor how many times you use the App and which pages you go to, as well as technical information such as the device type and version you are using. Some of this may be personal data i.e. data which identifies you or which is capable of identifying you.
Information we receive from other sources. We work closely with third parties who may provide us with information about you, such as credit intermediaries or insurers; it is the third parties obligation under DP Law to obtain your consent (where relevant) and to give you notice prior to disclosing your information to us. We use it for some or all the purposes described below.
How we use your personal information including the purposes for which we use it
Premium Credit will only collect information that it believes is relevant and required to allow us to understand your needs and to conduct our business. In circumstances where you are not obliged to provide the personal information we request from you in relation to the App, we will make this clear. However, as indicated, our usual practice is not to request any personal information unless this is necessary. We may use the personal information held about you in the following ways:
The legal basis for our use and other processing of your personal information under DP Law
This will include (as relevant):
Your consent may also be a lawful reason for processing your personal data in relation to our Mobile App, in certain cases. This means your freely given, specific, informed and unambiguous consent which may be collected from you for instance when you agree to receive marketing communications from us or when you agree to take part in surveys or market research (as relevant). You should be aware that you are entitled under DP Law to withdraw your consent, where that has been given, at any time. If you do this and if there is no alternative lawful reason for us to rely on to justify the relevant use or other processing on your personal data, this may affect our ability to provide you with rights to use our Mobile App.
In summary, we need certain categories of personal data in order to provide you with our Mobile App. Certain other personal data is processed for our legitimate interests in cases where this does not result in prejudice to you. Certain other personal data is processed based on a consent.
Data Anonymisation
We may convert your personal data into statistical or aggregated data in such a way as to ensure that you are not identified or identifiable from that data. We may use this aggregated data to conduct market research and analysis, including to produce statistical research and reports. For example, we may produce reports on which of our product and services are most popular with users of our Mobile App. We may share aggregated data in several ways, including for the same reasons as we might share personal data (see below).
Retention period or criteria used to determine the retention period
Your personal data will not be kept for longer than is necessary to fulfil the specific purposes outlined in this notice and to allow us to comply with our legal requirements.
The criteria we use to determine data retention periods includes the following:
(i) Retention in case of queries. We may retain it for a reasonable period (up to 6 months) after you have ceased to use our Mobile App in case of queries from you about the term of your use;
(ii) Retention in case of claims. We may retain it for the period in which you might legally bring claims against us (in the UK this means we will retain it for 6 years) if and to the extent this is relevant to our Mobile App; and
(iii) Retention in accordance with legal and regulatory requirements. We will consider whether we need to retain your personal data after the period described in (ii) (above) because of a legal or regulatory requirement. Some or all of these criteria may be relevant to retention of your personal data collected in connection with our Mobile App.
If you would like further information about our data retention practices please contact us (see below).
Disclosure of your personal information
We may disclose your personal information in the following ways:
Any information collected about you on this App, or from a third party in connection with your use of this App, is shared internally and shall be processed in accordance with this Privacy Notice.
Where we store your personal data (including transfers outside the EEA)
The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA") which may not offer the same protections for personal data as is relevant under the DP Law or afford you the same data protection rights you enjoy in the United Kingdom under DP Law. It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. By submitting your personal data, you will be taken to have agreed to this transfer, storing and processing outside of the EEA in cases where the transfer is necessary for the performance of a contract between you and us (in our capacity as data controller) or for the implementation of pre-contractual measures taken at your request.
Where we transfer your data outside the EEA we will only do so in accordance with our obligations under the DP Law. Steps will be taken to put in place safeguards (including around security) to protect your personal data when it is outside the EEA.
Security of your personal data
We take steps to safeguard the personal data we process and make sure it is held securely and in accordance with the DP Law. In particular we endeavour to maintain appropriate organisational and technical measures to help us safeguard your personal data including that which is transmitted, stored or otherwise processed, from accidental or unlawful destruction, loss, alteration, unauthorised disclosure, or access. These measures include computer safeguards and secured files and facilities.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our App, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our App; any transmission is at your own risk. Once we have received your information, we will use procedures and security features to try to prevent unauthorised access.
Your rights under DP Law
You have the right to ask us not to process your personal data for marketing purposes at any time. This means you can change your mind about receiving marketing communications from us when you have previously consented to this. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes and we will seek your consent for this. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. If you do not wish to consent then please do pay attention to the marketing consent check boxes. You can also exercise the right to prevent our own use of your personal data for direct marketing purposes at any time by contacting us at marketing@pcl.co.uk.
Our App may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Access to personal information
The DP Law gives you the right to access information held about you or to obtain copies of it. Your right of access can be exercised in accordance with the DP Law and this means you must submit your request to us in writing. Any data subject access request that you make in this way may (until 25 May 2018) be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you. You can exercise this right by using the contact us information below.
Consequences of failure to provide personal data
You have the right to be informed about the possible consequences of failure to provide the personal data we ask you for directly in connection with your use of our Mobile App. Any failure to provide personal may affect our ability to enable your use of our Mobile App.
Your right to lodge complaints with the data privacy supervisory authority
Without prejudice to any other administrative or judicial remedy you might have, you have the right to lodge a complaint with the UK’s Information Commissioner if you consider that we have infringed applicable data privacy laws when processing your personal data.
UK: Information Commissioner’s Office, https://ico.org.uk/
Changes to our privacy notice
Any changes we may make to our privacy notice in the future will be posted on this page. Please check back frequently to see any updates or changes to our privacy notice.
Contact
Questions, comments and requests regarding this privacy notice are welcomed and should be addressed to marketing@pcl.co.uk.
Last updated: Laura Edwards & Charlie Cutler 30 March 2017
