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Privacy & Cookie Policy

Ramsdens Privacy, Data Protection and Cookie Policy

Ramsdens Financial Limited ("We") are committed to protecting and respecting your privacy.

This policy (together with our terms of use 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, will be processed by us.  Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

Ramsdens Financial Limited are registered with the Information Commissioners Office under the Data Protection Act, Registration Number Z6066000.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Ramsdens Financial Limited, Unit 16, The Parkway Centre, Coulby Newham, Middlesbrough, TS8 0TJ.

If you have any requests concerning your personal information or any queries with regard to our processing please contact us at enquiries@ramsdensfinancial.co.uk

We may collect and process the following data about you

  • Information that you provide by filling in forms on our site. This includes information provided at the time of registering to use our site where registration is required, subscribing to our service, posting material or requesting further services. We may also ask you for information if you report a problem with our site.
  • If you contact us, we may keep a record of that correspondence.
  • Details of transactions you carry out through our site and of the fulfilment of your orders.
  • Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.
  • We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
  • All telephone calls made to our Head Office are recorded for training and security purposes.
  • Google Analytics collects and uses data from our company websites so we can track visitor's data. Click here to find out more on how Google Analytics collects and uses this data.

Where we store your personal data

The data that we collect from you will be stored within the European Economic Area ("EEA"), if you utilise the Western Union service using a Ramsdens branch then this data may be stored at a location outside of the EEA. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, 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 site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Uses made of the information

We use information held about you in the following ways:

  • To ensure that content from our site is presented in the most effective manner for you and for your computer.
  • To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
  • To carry out our obligations arising from any contracts entered into between you and us.
  • To allow you to participate in interactive features of our service, when you choose to do so.
  • To notify you about changes to our service.

If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you.

If you are a new customer, we will contact you by electronic means only if you have consented to this.

Disclosure of your information

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may disclose your personal information to third parties:

  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If Ramsdens Financial Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; or to protect the rights, property, or safety of Ramsdens Financial Limited, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
  • Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.

Your rights

You have the right to ask us not to process your personal data for marketing purposes. 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. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.  You can also exercise the right at any time by contacting us at Ramsdens Financial Limited, Unit 16, The Parkway Centre, Coulby Newham, Middlesbrough, TS8 0TJ.

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

This privacy policy was last updated on 14th November 2016.

RAMSDENS COMPANY INFORMATION

Ramsdens Financial Limited
PO Box 211
Middlesbrough
TS8 8AU

Registered office:

Unit 16, The Parkway Centre
Coulby Newham
Middlesbrough
TS8 0TJ

Registered in England no. 3045495. VAT Registration no. 654256431 Money Service Business Registration 12115794

Contact Us

If you have any questions relating to this website, please contact us:
Email: CustomerServices@RamsdensForCash.co.uk
Write to: Ramsdens Financial Limited, PO Box 211. Middlesbrough TS8 8AU

Emails will be acknowledged within 24 hours, Monday to Friday 9am – 5pm. Emails sent on a weekend will not be picked up until the following Monday.

Information about our use of cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

What is a cookie?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.

Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests. The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide. A list of all the cookies used on this website by category is set out below, and then some details of the actual cookies on the site, their purpose, and what to do if you do not consent to any specific cookies being used. Please note however that since we only use cookies where they will be of benefit, any failure to consent may limit your use of this site.

Category 1: Strictly necessary cookies: These cookies enable services you have specifically asked for.

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.

Category 2: Performance Cookies: These cookies collect anonymous information on the pages visited.

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Category 3: Functionality Cookies: These cookies remember choices you make to improve your experience.

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

These are the cookies that we use on our website:

Note: Mobile users may need to scroll right to view the full table

Cookie name

Category

Purpose

More information

Session ID Cookie

1

Standard ASP.NET cookie containing the user’s session ID.

Expires at end of session

Culture Cookie

2

Utilised to store the users CMS culture

Type: Culture Code, Expires: 12 months

Visitor Status Cookie

2

Sets the visitor status (unknown/first visit/more visits)

Type: Integer, Expires: 12 months

Current Visit Status Cookie

2

Sets the current visit status (throughout current day)

Type: Integer, Expires: 23 hours

URL Referrer Cookie

2

User URL referrer. Remembers the page the user last visited.

Type: Url String, Expires: 1 day

Form State Cookie

2

Utilised for a check if the form state needs to be restored. Decides if the submitted fields in the form should be repopulated.

Type: Integer - ID, Expires: 10 minutes

Google Analytics

2

Utilised by Google Analytics to track visitor’s data on the website.

http://code.google.com/apis/analytics/docs/concepts/gaConceptsCookies.html

Preferred Culture Cookie

3

Storing details of the users preferred CMS culture

Type: Culture Code, Expires: 12 months

Current Contact

3

Sets the current user if logged in

Type: Integer - ID, Expires: 12 months

CurrentTheme

3

Sets the current chosen theme

Type: Integer - ID, Expires: 23 hours

VisitorStatus

3

Sets the visitor status (unknown/first visit/more visits).

Type: Integer - ID, 12 months

PrePayCustomer

3

Stores information provided from web services about the currently logged in prepay customer.

Expires at end of session

PawnBrokingCustomer

3

Stores information provided from web services about the currently logged in pawnbroking customer.

Expires at end of session

IsPaymentCompleted

3

Stores whether or not payment for the current purchase has been completed to show the confirmation page.

Expires at end of session

LoadCartStep

3

Stores which checkout step should be next loaded

Expires immediately

CustomerID

3

Stores the current customer ID for the checkout confirmation page.

Expires at end of session

You may be able to block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our site.

If you do not consent to cookies being placed, you must notify us of the cookies to which you do not consent.

Except for essential cookies, all cookies will expire after twelve months.