Representative example: £400 borrowed for 30 days. Total amount repayable is £459.36. Interest charged is £59.36, interest rate 180.5% (variable)
Fire Media Interactive is an Appointed Representative of Maintain Marketing Ltd, and is entered on the Financial Services Register under reference number 739483. Maintain Marketing Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 727520. Fire Media Interactive Limited is registered in England and Wales (Company number 06366405), Registered Office; 150-162 Kemp House, City Road, London, EC1V 2NX. Licenced by the Information Commissioners Office, (registration number Z3558268).
The following types of data may be collected and processed by us:
1. The data you provide by filling in application forms on our Website located at impactpaydayloans.co.uk, including, but not limited to: your name, date of birth, email address, home address, residential status, period of residence, home/work/mobile number, source of income, employer name (industry), frequency of pay, next pay day, employment period, monthly net income, loan amount, bank name, bank account number, bank sort code, direct deposit, debit card. All this information is provided voluntarily and you are not required to provide it unless you decide to register with the Company’s services. However, if you have decided to register with the Company’s services, providing this information is necessary in order to proceed with the application.
2. Correspondence, or a record of it if you contact us.
3. Surveys that we conduct for research purposes, which we have requested you to complete.
4. Information collected through your access and use of our Website (including Internet Protocol address, browser type, operating system type, access date and time, location data, the Internet Service Provider) - this information is collected regardless of whether or not you register for Company’s services.
The information collected about you may be transferred to other countries outside the United Kingdom, but only to the ones that guarantee a proper level of protection for your rights and freedoms concerning the processing of your personal data.
A “cookie” is a small electronic file (of not more than 255 characters and 4Kb of disk space) that collects information when someone visits a website. A cookie can identify the pages that are being viewed, and this can help us to select the pages that the viewer sees. Cookie files are not to collect any data about the user but to identify their personal preferences. Cookies allow us to collect information about the viewers’ browsing habits and to better understand traffic on our Website, and this, in turn, can assist us in monitoring and improving our services.
We do not store sensitive data in cookies, and cookies in themselves do not contain enough information to identify you.
In addition to using cookies, we might also use web tools to collect information about your browsing habits whilst on our Website. The information provided in this way is similar to the information supplied by cookies, and we use it for the same purposes.
Any information acquired about you by means of cookies or web tools is subject to the same restrictions as any other information that we collect about you.
All the information we collect from you will be used in order to assist you with your payday loan inquiry, to fulfil your payday loan request, and to notify you about the offers and promotions or information about additional products or services. For this purpose you authorise the Company to share the information collected about you with trusted lenders and affiliates that are bound by contract to maintain the security of your information and to use it only within the scope permitted by the Company. Trusted lenders may use this information to process your payday loan inquiry.
The information you provide us with may be used for the following purposes:
to process the sale and purchase of Leads;
to ensure that the content of our Website is presented effectively;
to notify you about new site features and services;
to inform you about changes to our service;
to provide you with the best possible service;
Transfer of information
We will only send your data outside of the European Economic Area (‘EEA’) to comply with a legal obligation, to help us with our business operations such as working with third parties to manage our products and services or to fulfill your request.
If we do transfer information outside of the EEA, we will ensure the information is held securely to standards at least as good as those in the EEA and used only for the purposes set out in this policy. We will do this by ensuring that at least one of the following safeguards is implemented:
we will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission;
where we use certain service providers, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.; or
where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between the Europe and the US.
We provide information security to all our users according to generally recognised standards. The technology we use provides security of all types of data we collect. It consists of SSL standard and our secure servers. The SSL standard is widely accepted security technology that establishes an encrypted link between our web server and your web browser. Also, access to data storage is limited with password protection.
However, the transmission of information via the internet cannot be guaranteed to be completely secure. Although we will do our best in order to protect your personal data, we cannot ensure the full security of data transmission to our Website; please note that such a transmission is at your own risk. However, once we have received your personal data, we will use strict procedures and security measures to prevent any form of unauthorised access.
We will keep your information securely stored for as long as the law requires. In the event of any data security breach, the Company will notify both you and the relevant authorities as required by applicable law. Such a notification may take the form of an email.
We may disclose your personal information to third parties in the following situations:
In order to prepare or send any messages to you, or in order to assist us in our administrative or business functions, or in the provision of our services to you;
If we are obliged to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Website Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of the Company, our customers, or others.
This entails exchanging information with other companies and organisations in order to ensure protection against fraud and reduction of credit risk.
Fire Media Interactive LTD may share your personal information with:
Credit references agencies (CRAs)
Fraud prevention agencies (FPAs)
As part of your registration process, the Company will ask your permission to receive SMS-based offers and promotions and information about offers and promotions via telephone, email or post. By granting your consent to receiving information via SMS, you confirm you are at least 18 years of age, are authorised to use the mobile device to which SMS-based offers and promotions are sent, and that you accept any applicable charges. By granting your consent to receiving such information via telephone, you understand and accept that the contact may be made by automated dialing and the message might be communicated by a pre-recorded voice.
If you do not wish to receive SMS-based offers and promotions or information about products and services via telephone, post or email, please contact the Company either via certified mail: Kemp House, 152-160 City Road, London, EC1V 2NX, United Kingdom, or via email: firstname.lastname@example.org. However, you may continue to receive such information about offers, promotions, products and services form third parties to which you have subscribed and the Company cannot be held responsible for terminating all such potentially unwanted communication.
KEEPING YOUR INFORMATION We will keep your personal information for as long as you are a customer. After you are no longer a customer, we may keep your data for up to six years for one of three reasons:
to deal with any enquires, complaints or disputes you may have with us.
to combat financial crime.
to comply with legal and tax requirements including any rules that apply to us.
We may also keep your data for longer than 6 years if we cannot delete it for legal, regulatory or technical reasons.
You have the right to withdraw your consent at any time. You can withdraw consent by:
clicking on “unsubscribe” on our website and then filing the opt-out form.
clicking on ‘unsubscribe’ on marketing emails you receive from us.
sending us an e-mail with the subject line “unsubscribe”.
We reserve the right to update or amend this Policy due to changes to our internal policies, or changes to the Data Protection Law or other laws. Any changes we may introduce to this Policy in the future will be posted on this page.
FIRE MEDIA INTERACTIVE LTD.
Kemp House, 152-162 City Road
London EC1V 2NX