Communication Policy
Principles
Refido.co (a trading name of themad Ltd) is committed to being a market leader in the way we conduct business. Suitability of products in line with customers needs and the general principles of transparency, openness, honesty, and clarity in the way we conduct our business are key issues in our Communication Policy.
Pivotal to our business is the fundamental principle of Treating Customers Fairly in the way we advertise and the way we interact with customers. We also require that our employees and business partners do likewise.
The hallmark of a good Communication Policy is a strong, ethical, and compliance-oriented tone emanating from the company’s leadership team. Transparency, communication and candor are important in any dialogue across the entire business. Anything short of this may detract from a relationship of trust.
It is important that we adhere to the Regulatory Rules and Principles imposed upon us to remain a fit and proper business and aim to achieve this by having strong systems and controls in place which ensure that we maintain high standards across the entire business.
Implementation
- We will maintain and regularly review the systems and controls pertinent to our business model
- We will adhere to the laws, regulations, rules, guidance and codes of conduct laid down by our regulators
- We will have a business model where internal communication and the decision making process affecting our day to day practices is paramount
- We will provide ongoing training in all aspects of our business to our staff
- We will continually monitor all aspects of our business to ensure that they remain effective and efficient in line with our fundamental principles of responsible lending and treating customers fairly.
Communication
Central to our business culture is that of Treating Customers Fairly. To us, that means communicating with you at regular intervals about your membership with us. This is because customers needs and the suitability of products or services for that need are constantly changing.
Communication ensures that both the customer and the business are up to date with your details and needs.
We will always send you a welcome email once you have signed up with us. We will also email you if you haven’t completed your application, this could be to see if there was any issue or fault or to remind you of our service that you showed interest in.
We will then either call, email or SMS you several times throughout the year to make sure that the membership you have continues to meet your needs and remains suitable.
We will not harass you or call you more than this unless we need to communicate with you e.g. regarding winnings or any issues.
Privacy Policy
We take the privacy and security of our visitors very seriously.
We are Refido.co, which is a trading style of themad Ltd. Our address is Lytchett House, 13 Freeland Park, Wareham Road, Lytchett Matravers, Poole, Dorset, BH16 6FA
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Keeping your personal information safe and secure is our top priority. That’s why we want to notify you of some changes to our privacy policy in readiness for the introduction of the new data protection law on 25 May 2018.
The changes don’t alter what we use your personal information for but make it easier for you to find out how we use, process and protect your information. The fact that the law is changing only builds on what we already do today – and that is to give your personal information the respect and security it deserves.
Our Privacy Policy applies to all customers who visit our website and may change from time to time. We reserve the right to update or modify this Policy at any time. Our services are strictly for persons aged 18 years and over.
Our Privacy Policy is supported by and should be read in conjunction with our Data Protection Policy, Fair Processing Notice and Communication Policy.
Contents
- Your Consent
- Cookies
- Security
- Collecting your Information
- Use of your Information
- Data Retention
- Contact from third parties
- Third party links
- Your Consent
By submitting your details and/or using our service you accept this Privacy Policy and are expressly consenting to the processing, use and disclosure of your personal information as described below. If you do not consent, we will not be able to process your application or you will not be able to use our services as your personal data is integral to the product and services you are applying for.
We place cookies or similar technologies on the machine you use to visit our site and/or you use to make an application. This is primarily to make it easier for you to access and navigate the website. By continuing to use our website, you are giving your consent to do this. More information about cookies is set out below.
- Cookies
This information does not identify any individual. We may also obtain information about your general Internet usage by using a cookie file that is stored on the hard drive of your computer, which again does not identify any individual. This information is sent back to the server each time the browser requests a page from the server that enables the web server to identify and track the web browser. For more information about cookies, please visit http://www.allaboutcookies.org. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences and recognise you when you return to our site.
You can set your web browser to refuse cookies (or just to refuse third party cookies), but if you do this you may not be able to enjoy full use of the site. Please note that any third parties who may advertise on our site may also use cookies, but we do not have access to, or control over them.
- Security
We recognise the need for appropriate protection and management of the personal and financial information you share with us and believe that our systems meet and exceed industry standards. We protect that information using secure socket layer (SSL) encryption technology. We store data in encrypted form on computers and control access via secure web pages. We use firewalls and other security packages to protect us from external attack.
We also test our systems to make sure they meet these expected standards.
- Collecting Your Information
We collect information about you in two ways – directly from your online application – the personal information you submit and also should you telephone us or write in to us.
You will be fully aware of the information collected about you as you are required to complete the information.
You have the following rights in relation to the data we hold about you:
- The right to be informed about the processing of your personal data (Privacy Policy);
- The right to have your personal data corrected if it’s inaccurate or completed if we hold incomplete personal data;
- The right to object to the processing of your personal data;
- The right to restrict the processing of your personal data;
- The right to have your personal data erased;
- The right to request access to your personal data;
- The right to move, copy or transfer your personal data;
- Rights in relation to automated decision making.
In certain cases separate consent is not required, including the performance of a contract, to meet legal obligations and for legitimate interests.
In addition, we may collect information about your computer including, your IP address, operating system and browser type – for system administration and to report information to our advertisers and selected partners.
- Use of Your Information
We may share the information you submit with third parties involved in the process of providing the services you request, such as engineers. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the security of your personal information.
Under the General Data Protection Regulations, we are classed as the data controller and may use data that identifies you (“your personal data”) for: statistical analysis; to develop and improve our products; to update your records; to identify which of our, or others’ products might interest you; to assess lending and insurance risks; to identify, prevent, detect or tackle fraud, money laundering and other crime; to carry out regulatory checks; keeping you informed about your loan and for market research.
We will keep your personal data confidential and only give it to others for the purposes explained. In particular:-
- To our agents and subcontractors, acting for us, to use for the purpose of providing a service;
By submitting your details and agreeing to the terms of this privacy policy you accept and expressly consent to the use and disclosure of your personal information in the manner described.
- Data Retention
We will retain your information for as long as there is a business relationship with us. We will also retain your personal data as necessary to comply with our legal obligations and resolve disputes.
You have the right to have your personal information:
- Amended;
- Corrected;
- Deleted;
You will need to contact us to let us know if you want to do this.
- Contact from Third Parties
Our Communication Policy explains when we are likely to contact you. We will not sell or transfer your data to any third party, however should you request an engineer call-out, your name, address and contact number will be passed to them, only for the purposes of providing that service.
- Third Party Links
Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them.
Finally, we are subject to UK data protection laws, which we comply with fully and to which we give the greatest respect. You have the right to complain to the ICO if you believe we have contravened any of the requirements.