We have put in place a number of measures to ensure that any personal data we obtain from you is processed and maintained in accordance with legal requirements and the accepted principles of good information handling in accordance with the Data Protection Act 2018 (the “DPA”) and the UK General Data Protection Regulations (“GDPR”).
The Controller is Stagemount Limited. We determine the purposes for which and the manner in which your personal data will be processed.
How we collect your personal information
We may as a result of your interaction with our website and when you apply for a loan store and process your information on our systems and computers. We will also collect and potentially store personal and financial information about you when you provide us with information over the telephone, when you send us documents and when we access information held by credit reference agencies about you. We also collect personal information when we communicate with you during our servicing of your loan agreement with us.
The types of personal information we collect from you and the legal basis for its collection
The UK’s data protection law allows us to process your personal data where we have a proper reason for doing so. Such reasons include fulfilling a contract we have with you, where it is in our legitimate interest, where we have a legal duty and when you consent to it. A legitimate interest is when we have a business or commercial reason to use your information and this is not unfairly against your interests. The legitimate interests we are pursuing comprise the following:
Promoting responsible lending decisions: We collect personal and financial information from you and from credit reference agencies (CRAs) to help us to assess your ability to repay your loan with us.
Such information includes your name, current and recent addresses, personal data about bank accounts, credit cards, mortgages and other agreements that involve a credit arrangement like utilities and communications contracts (including mobile and internet) and how you are meeting your payments obligations to these organisations and whether you have any court judgments.
We also collect personal information about your date of birth, about your employment and income, your e-mail address and mobile phone number, whether you are on the electoral role and whether you are a homeowner or a tenant. We may also collect information about a business you are involved with where you are self-employed including requesting financial records, such as accounts and information held by public bodies such as Companies House.
Prevent and detect crime: We collect personal and financial information from you and from credit reference agencies and public or government bodies to help us to verify your identity under our anti-money laundering obligations and to detect and prevent crime and fraud in accordance with our legal obligations.
Servicing of your loan: The personal information we collect about you will enable us to communicate with you about your loan and to service your account, for example, to provide regulatory notices and statements, to process your payments onto our systems and to contact you about any missing payments. We will make a record of our communications with you and your account activity (including recording telephone calls) to help us to monitor and manage your account, check that we are providing an adequate service and to help us to deal with any complaints. We will collect information about your bank account and debit card details to enable us to collect your loan repayments.
Improve our services and products: We will use your information, for research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and develop and improve our services to you and other customers.
Third party loans: If you provide your consent, we will share your personal information to FCA authorised third party lenders in the event that we are unable to accept your application. We will only share with third party lenders the personal information which you have shared with us as part of your application (see above). Those lenders will use this information to contact you and invite you to submit an application with them (see below).
In some circumstances we may also collect and process special categories of personal sensitive information should you share it with us. This is to help ensure that our services are accessible and so that we can offer appropriate levels of support where required. We will only process and record special category/personal sensitive information data with your explicit consent to do so.
We may use your information to inform you by post, telephone or other electronic means (such as e-mail or SMS text), about other short-term unsecured loan products from us which we believe may be of interest to you. We will only do this if we consider that this type of processing is for a legitimate business interest of ours or is with your consent.
You can opt out of receiving marketing information from us in the following ways.
a) If you do not want to receive information about other products and services please contact us at Stagemount Ltd, 6 Broadway, Nottingham, NG1 1PS or email us at [email protected]
b) When you make an application on our website, you can also opt out by ticking the box on the application page
c) You can also opt out of receiving marketing information from us at any time in the future.
Disclosure of your personal information
We may give information about you and how you manage your account to the following and on the understanding that they will keep the information confidential:
a) People who provide a service to us or are acting as our agents. This includes any organisation where we have decided to outsource all or part of the administration or servicing of your loan;
b) Our insurers, auditors and accountants, solicitors, consultants and other professional advisers;
c) Anyone to whom we transfer or may transfer our rights and duties under your loan agreement (for example if we were to sell your agreement to another loan company);
d) Any funders or investors (or prospective funders or investors) of our business;
e) To credit reference agencies and fraud prevention agencies (see below);
f) Subject to your prior consent, we may share your personal information to other third party lenders in the event we are unable to approve your application (see below);
g) We may also share personal information about you if we have a duty to do so in order to comply with a legal obligation (including with the police, any government agencies or regulators).
Otherwise, we will keep information about you confidential.
We from time to time send your personal information for some of the above reasons outside of the UK, for example to some of our investors and funders in the U.S.A. Where the person or organisation we send your personal information to is located outside of the UK and European Economic Area we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us.
Credit Reference Agencies: When you apply for a loan you confirm that all the information you have given is true and complete. We will validate this information in a number of ways:
a) From our own records (for example in respect of a previous loan you have taken out);
b) From information held at credit reference agencies (CRAs). 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 fraud prevention information.
We will make checks such as; assessing the application for credit and we may also make periodic searches at CRAs to manage your account with us.
If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. We will continue to exchange information about you with CRAs while you have a relationship with us. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt and that you have defaulted. 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 six years after they are closed, whether settled by you or defaulted.
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information held by CRAs to prevent fraud and money laundering, for example, when:
a) Checking details on applications for credit and credit related or other facilities
b) Managing credit and credit related accounts or facilities
c) Recovering debt
d) Checking details on proposals and claims for all types of insurance
e) Checking details of job applicants and employees
How to find out more about credit reference agencies: You can contact the CRAs currently operating in the UK; the information they hold may not be the same so you may wish to contact each of them. They will charge you a small statutory fee (The information will be given for free).
- CallCredit, Consumer Services, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or log on to https://www.callcredit.co.uk/
- Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to Equifax Website
- Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to Experian Website
- LendProtect, Sheffield Technology Parks, Cooper Buildings, Arundel Street, Sheffield, S1 2NS.
The CRA’s that we collect information from about you and that we report to are CallCredit and LendProtect.
Further information about the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at
Retention of your personal information
The length of time we retain your information will depend on the purpose for which the information was provided. In general, however:
a) We will keep the information that is necessary to enable us to manage your account and provide you with a service that you have requested for as long as it takes us to provide that service.
b) We will keep your contact details for as long as we have your consent to send you marketing information. If you unsubscribe from receiving particular marketing information, your contact details will be stored on a list on our system. This list is then screened prior to future marketing campaigns to ensure we no longer send you that particular type of marketing.
c) We will keep records of your account history for a period that will not usually exceed seven years after your loan has been repaid. This is to comply with our accounting and regulatory obligations that arise during that period.
d) We will keep information about you and your account to the extent necessary and for such period of time so as to allow us to respond to any complaints or disputes that may arise and to comply with our legal and/or regulatory requirements.
At Stagemount Limited we make your safety and security a top priority and are committed to protecting your personal and financial information. Where we collect personal information from you, we will protect that information with controls based on recognized security standards, regulations, and industry-based best practices. Your personal information is stored in secured servers.
When you telephone us we may record and retain your call for training and monitoring purposes.
You have various rights under the DPA and UK GDPR.
Access – you have the right to request a copy of the information that we hold about you (sometimes called a “subject access request”). If you would like a copy of some or all of your personal information, please email or write to us at our above address. There will be no charge although we can charge a reasonable fee if your request is excessive or repetitive.
Rectification – We want to make sure that the personal information we hold about you is accurate and up to date. You are entitled to ask us to correct, supplement or remove information you think is inaccurate.
Object – You are entitled to request that we stop processing your data. Upon receiving the request, we will contact you to tell you if we are able to comply or if we have legitimate grounds to continue to use handle your personal information.
Withdraw – Where we are relying on consent to handle your personal information, you have the right to withdraw such consent at any time. Please note that on receipt of a request to withdraw consent we will update our systems without undue delay, however for marketing you may still receive marketing material unless and to the extent you opt out of the marketing itself (see above).
Erasure – You are entitled to request that the personal data we hold about you be erased but only if you can show that the personal data is no longer necessary in relation to the purpose for which it was originally collected or processed by us. This is because it has been obtained in order to provide a loan to you and to service and maintain your loan account as described above and is therefore required for our legitimate interests.
Portability – You have the right to request that we transfer your personal data to another controller in a structured, commonly used and machine-readable format. Once we have received your request, we will comply where it is technically possible for us to do so.
Restriction – In certain circumstances, you have the right to request restrictions to be placed on our handling of your personal data. For instance, where you wish for no further processing to take place whilst you wait for inaccurate data to be updated or for a previous objection to be confirmed. We will keep you informed of any restrictions placed and / or lifted on the processing of your personal data.
Automated decision making – Where any automated decision making takes place, you have the right to request for human intervention to take place within such process.
You have a right to complain to us if you are dissatisfied in the way that we have handled your personal data. You may contact us for details of our complaints policy. You also have a right to complain to the Information Commissioner’s Office if you are unhappy with the way we handle your data. Their details are Customer Contact, Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF, telephone 0303 123 1113 or email [email protected] You can also download and complete a complaint form by following the link at https://ico.org.uk/concerns/
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