We understand how important privacy is and have created this online Privacy and Security Policy to demonstrate our commitment to protecting your privacy and security in any dealings with us.
Our mission is to:
- prevent unauthorised use of your personal information;
- to maintain the accuracy of the information provided; and
- to protect the privacy of your information through the use of secure servers and encryption devices.
1. Copyright, trademark and website content
All copyright, trademarks and other intellectual property rights in the material or content on this website belong to Balboa Financial Ltd. You can only download material for your own use. You will not have any right, title or interest in any material you download.
You agree not to copy, reproduce, transmit, download, frame, publish, display, distribute, commercially exploit or create anything using this material, unless we give you permission in writing beforehand.
2. Our promise to you
We do all we can to make sure everything we publish on our website is accurate, but we don't give any guarantees about the information on it.
We've taken all reasonable steps to protect our website with antivirus software. But we can't guarantee that our website will meet your needs.
We won't be liable if you lose any content or material when uploading or transmitting it through our site.
Neither we nor any of our directors, agents or employees will be liable for damages arising from you using our website. This applies to damages of any kind, including compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties.
We do not offer advice about the suitability of the products available on our website. It will be up to you to decide whether they’re suitable for you.
Our website contains links to other sites, and we are not responsible for the contents of any of these other websites. You should always read the privacy statements and terms of use whenever you go into a linked website.
We can change or withdraw our website or any part of it at any time without giving you notice. We will not be liable to you if we do this.
We may change these terms without telling you. We will publish any changes we make on our website, so please check from time to time to make sure you've seen the latest version of our terms. If you continue to use our website after we’ve posted changes to our terms, we will take it that you have read and accepted the revised terms.
We may refuse to process a transaction at any time and for any reason. We won't be liable to you or any third party if we do this.
We may monitor information that's sent to our website.
3. How we collect your information and what information is collected
Generally, we gather two types of information. The first type of information is the personally identifiable information ("Personal Information") that you expressly provide when you complete an application. This information includes your name, mailing address, e-mail address, and date of birth or some other unique personal identifier that we can use to confirm sales and billing information (e.g. city of birth or mother's maiden name). Occasionally, we may request other information from you that may be used to, update your account or confirm your order.
The second type of information is technical and statistical information that is collected automatically whenever you visit our Web site. This type of information may include things such as your IP address, operating system, type of browser and Web site activity. We collect this data to help us improve the quality of our Web site and make your visits to the site easy, convenient and meaningful.
4. How we use the information collected
We put your information on our marketing database and we may keep it in paper files where appropriate. – Here are some of the main uses:
- To give you a quotation
- To manage your account and administer your records
- To improve and develop our products and services
- To respond to any questions you have about your product(s)
- To keep you informed about our product(s) and those of other carefully selected organisations we think you'll be interested in (unless you opt out of receiving this information)
The technical and statistical information that is automatically collected from your computer whenever you visit the website and is used to help us improve the site and your experience. From time to time we may disclose general statistical information about our website and its visitors such as the number of visitors, the number and type of products purchased, etc.
5. How we share your information
We may share Personal Information with third parties whom we employ to perform functions on our behalf. For example, we use a third party to verify and process your debit/credit card information in order to charge you its services. We also use the services of credit reference agencies.
All third parties are contractually obligated to use your Personal Information only for the purpose for which it is given. The collection, use and disclosure of information by third parties are subject to their respective privacy policies, which may differ from our policy.
From time to time, we may also share Personal Information with our affiliates and/or marketing partners who offer products and services that we think will be of interest to you. If you prefer not to have your Personal Information shared with our affiliates and/or marketing partners, please let us know.
We may also disclose your Personal Information when required by law or in the good faith belief that such action is necessary in order to conform to the edicts of the law or comply with legal process. As we continue to develop our business, we may buy or sell assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that our company or substantially all of its assets are acquired, customer information will of course be one of the transferred assets. In the event that customer information is transferred as described in this paragraph, members will be notified via e-mail and given the opportunity to opt-out of having their Personal Information transferred to any new entity.
6. Data Security
We look after your personal data by having security that's appropriate for its nature and the harm that might result from a breach of security.
We don't ask you for any more information than we need, and we don't keep your information for any longer than we need to.
We take reasonable steps to keep your details up to date and accurate. Please bear in mind that we may hold on to your records after we've stopped our service to you. This is to make sure we have an effective audit trail and to comply with legislative requirements.
We work to protect the security of your information during transmission by using Secure Socket Layer (SSL). When you place an order online, the SSL scrambles or encrypts your information before it is sent to us over the Internet. This protects your credit card information from being read while it is transferred through cyberspace. When we receive your order, the information is kept encrypted until we are ready to process your request. SSL is supported by Netscape 2.0+, Microsoft IE 3.0+ and most frame-enabled browsers. You will see a small key or padlock in the bottom right corner of your browser if you are using Netscape or Microsoft browsers, indicating that your transaction is secure. In addition, we meet all of the stringent requirements of the VeriSign TM security seal for all online transactions.
Internal access to member information is protected and can only be accessed by password. We also contract with industry experts to institute and review Web security on a periodic basis.
7. Your rights
The Data Protection Act 1998 gives you certain rights, for example:
- You can access personal data we have about you by writing to us and requesting the information we hold about you. You will have to pay a fee for this.
- You can ask us in writing to stop or not start processing personal data if this is causing or likely to cause unwarranted substantial damage or distress (unless it is allowed for by the Data Protection Act 1998).
- You can tell us not to use information about you for direct marketing. Direct marketing means any advertising or marketing material that's sent to you. You can opt out of our direct marketing during the application process and at any time afterwards. We'll continue to send you information as necessary to comply with legislation or regulations – for example, account statements, changes to account terms and conditions or interest rates.
8. Cookies and how we use them
Our website uses cookies. These are small pieces of data that a website stores on your computer's hard drive after you’ve been to that website. Each cookie contains information about your visit to the website, such as which pages you visited and which products and services you said you were interested in. The next time you visit the site, the cookie will tell the site that you’ve been there before.
We'll use cookies to identify and remember your preferences for different types of information after you’ve visited our website, and to track your progress through the site. We'll then use this information to try to enhance your experience when you use our site. For example, we might be able to avoid showing you information or screens you’ve already seen, or give you information we think you may be interested in, based on your previous visits to our website.
If you'd rather we didn’t put cookies on your computer's hard drive, you can turn cookies off by adjusting your browser settings. On most PCs and laptops you can do this by choosing 'Control Panel' from the 'Start' menu, and then 'Internet Options'. On the 'Privacy' tab you’ll then need to set the slider to 'Block all Cookies'. However, by blocking all cookies this may mean you won’t be able to use some parts of this or other websites.
9. Pixel Tags
"Pixels" or "pixel tags" are tiny graphic images placed on certain pages of a website but not on your computer. When you access these pages, pixel tags generate a generic notice of that visit; at no time is your Personal Information collected by the pixel tag. Pixel tags allow companies to measure and improve understanding of visitor traffic and behaviour on the website.
You can disable pixel tags by changing your browser settings to omit images. Alternatively, there are some commercial software packages available that can omit pixel tags.
10. General
We won't be liable to you if we can't carry out our obligations to you because of circumstances beyond our control.
If any part of these terms is found to be legally unenforceable, the other parts will be unaffected and will stay in force.
These terms are governed by the law of England and the courts for that part of the UK where you live. We will always communicate in English.
By using our Web site, you consent to the collection and use of information as it is disclosed in this Privacy and Security Policy statement. If you do not agree we ask that you do not use our site. Thank You
Payday Mart is a trademark owned by Balboa Financial Ltd.
Balboa Financial Ltd is a company registered in the UK, number 07415054.
Its registered office is: 3rd floor, 207 Regent Street, London W1B 3HH.
Its regulator is the Office of Fair Trading and it holds a Consumer Credit Licence number 640090.
It is registered with the Information Commissioner’s Office, number Z2466115.
