Privacy policy

Who are we?

We are Bonington Loans Ltd trading as www.pawnbrokeronline.co.uk and can be contacted on the below contact details:

· Telephone: 0800 197 5530

· Address: 8 Deer Park Avenue, Livingston, West Lothian EH54 8GA

Bonington Loans Ltd is authorised and regulated by the Financial Conduct Authority to provide pawnbroking services. The particulars of our authorisation can be viewed on the Financial Services Register (www.register.fca.org.uk).

What personal information do we collect from you?

As a pawnbroker, we collect the personal information that is necessary to enable us to make a decision to provide you with a cash loan and to exercise our rights and/or duties under the regulated consumer credit agreement by way of collecting payments due under the agreement and, where required, enforcing our rights and/or duties under the agreement. The personal information that we process (i.e. collect, record, use, store) in order to provide our pawnbroking service are as follows:

· your full name and date of birth;

· your residential address;

· your contact details such as your telephone number and email address;

· your employment information such as your employment status, the name and address of your employer’s/business, your length of employment and your job title;

· your financial information such as your income, expenditure, assets and liabilities; and

· IP addresses or domain names of the computers/devices you used to

connect to our website.

We may need to collect identification and proof of address documents from you such as your passport, driver’s licence, utility bill and council tax as part of our Customer Due Diligence process. We may retain a copy of your proof of identity and address information.

What personal information do we collect from third parties?

When you open an account or utilise our pawnbroking service, we may need to collect information about you from:

· credit reference agencies to obtain a credit reference about you; and

· fraud prevention agencies to detect and prevent fraud and money laundering.

Credit Reference Agencies may provide us with public information (such as that found on the electoral register) and shared credit and fraud prevention information. When we request a credit reference, this places a search ‘footprint’ on your credit file that may be seen by other lenders.

Why do we collect and use your personal information?

In order to provide our pawnbroking service, we collect and use your personal information:

· To make credit decisions about you as part of your loan application;

· To manage your account with us;

· To contact you about our service or your account;

· To ensure we comply with relevant legal and regulatory obligations;

· To prevent fraud and money laundering; and

· To collect payments or debts due to us.

We use your personal information to send marketing communications to you about similar products and services that may be of interest to you. We will send our marketing communications to you by email. You can object to your personal information being used by us to send you marketing information. Each marketing email will include an unsubscribe link to enable you to opt-out of receiving future marketing communications.

What is our lawful basis for handling your personal information?

Under the General Data Protection Regulation (GDPR) we must have a lawful basis to legally handle your personal information. The lawful basis that we rely upon are as follows:

1. Contract – to take steps, at your request, to enter into a credit agreement to fulfil your account requirements to perform our obligation under the contract (i.e. to deliver our pawnbroking service to you);

2. Legal obligation – to share personal information with law enforcement agencies and regulatory bodies if required to do so by law and to fulfil our legal and regulatory obligations as a pawnbroker; and

3. Legitimate interests – to use your personal information to send you marketing communications about similar products/services in the future, to share your personal information with third party professional service providers that we engage and to share your personal information with our successor(s) in the event of a merger or acquisition.

What happens if I do not provide my personal information?

We need your personal information in order to provide our pawnbroking service to you. If we do not collect your personal information, we will not be able to provide our service to you.

Who will we share your personal information with?

We may need to share your personal information with Credit Reference Agencies.

We may share your personal information with law enforcement agencies, fraud prevention agencies and regulatory bodies such as the FCA and HMRC when required to do so by law.

We may engage the services of professional advisers such as compliance consultants, lawyers and accountants who may be given access to your personal information in order to provide their services to us. We will ensure that your personal information is protected by obtaining a written undertaking of confidentiality from the professional service providers.

In the event that we are subject to a merger or acquisition we may share your personal information with the organisation(s) that acquire or merge with our business and/or their professional advisers in the course of the acquisition or merger transaction and thereafter. In such circumstances the latter organisation will be required to use your personal information in the same ways described in this privacy policy.

Transferring your personal information outside Europe

We will not share your data outside of Europe. This means that we will not share your personal information, as a matter of course, with organisations domiciled in jurisdictions that are not subject to the GDPR.

How long will we store your personal information?

We will store your personal information for up to six years from ceasing to be our client. This is to enable us to refer to our records in the unlikely event that you want to lodge a complaint against us within six years.

If you do not exercise your right to object to marketing or unsubscribe to our marketing emails, we will store your personal information for marketing purposes until you exercise your right to object or unsubscribe.

What are your rights in relation to your personal information?

Right to access

You have the right to request copies of the personal information we hold about you at any time.

Right to rectification

You have the right to request that we correct any inaccurate personal information we hold about you.

Right to erasure

You have the right to request that we delete your personal information from our records.

Please note that we will not be able to delete your personal information whilst we are still providing our services to you. We will be able to delete your personal information once you cancel the service or once the service is completed.

Right to restrict processing

You have the right to request that we restrict how we use your personal information.

Right to object

You have the right to object to the collection and use of your personal information at any time. This includes the right to object the use of your personal information for direct marketing.

Right to data portability

You have the right to obtain a copy of your personal information in a legible and compatible format such as Excel or Word or request that your personal information be ported to another controller.

How can I exercise my rights in relation to my personal information?

You can exercise any of your rights by contacting us on any of the above contact details.

How do I lodge a complaint about the use of my personal information?

You can lodge a complaint with us directly by contacting us on one of the above contact details.

You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO). The ICO are the regulator who makes sure that we use your personal information in a lawful way.

You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns/ or calling the ICO on 0303 123 1113.

Apply now