Privacy Policy

This Privacy Policy describes the privacy practices of Kesef Limited with respect to individually identifiable information and sensitive personal information (“Personal Data”) that is collected on the www.countrywidePayday.co.uk (“Website”). “You” or “Your” means you as a participant in, or as a user of, the Website. “We” or “our” or “us” means Kesef Limited and its affiliates. By visiting and using our Website, you are accepting, and consenting to, the practices described in this Privacy Policy.

EU Safe Harbour

The website servers that support the Website are located in the UK. Some of our operations are located in the United States. In order to properly protect Personal Data that we receive in the United States about EU residents, we adhere to the US-EU Safe Harbour Privacy Principles with respect to the use and processing of such data in the United States (“EU Safe Harbour”). For further background about the EU Safe Harbour, please refer to the U.S. Department of Commerce’s website at http://www.export.gov/safeharbor, or contact us as described at the end of this Privacy Policy.

By providing us with your personal information on our Website or in the course of using our services, you consent to the transfer of your personal data, and any other data we acquire about you from third-party service providers in the process of evaluating you for a loan, to companies outside the EU, including Kesef Limited, its affiliates, and authorised third parties, in accordance with this Privacy Policy.

What Information We Collect

Our primary goal in collecting Personal Data is to provide you with a, customised loan transaction. The information we obtain from our customers helps us personalise and continually improve our customers’ experience at our Website. We automatically collect and/or track the following types of information:

• Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser).
• Information provided by you through on-line forms, registration forms, surveys, and/or other entries, such as sensitive personal information, email addresses, personal, financial or demographic information.
• Information, user specific or aggregate, on what pages our visitors access.
• Automatic information and cookies: We receive and store certain types of information whenever you interact with our Website. For example, like many Websites, we use “cookies” to obtain certain types of information when your Web browser accesses our Website and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer’s hard drive via your Web browser. They allow us to provide you with a more convenient and personalised shopping experience by recording information about your preferences.
  
  A web browser is usually set to accept cookies automatically but can be changed to decline them. The Help section of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our Website.
  
  Please note that the information in our cookies can be requested only by our Website. Your browser will not pass these cookies to any other site.
• Information about your transactions with us, such as payment history and loan balances, and information you provide when you contact our customer service department.
• Information we receive from third parties, such as credit bureaus, consumer reporting agencies and other lenders, regarding creditworthiness and credit history.
• Information, user specific or aggregate, on what pages our visitor’s access.
• The email addresses of visitors that communicate with Kesef Limited via email. You can choose to receive marketing email communications from us by signing up online. When you sign up for Kesef's email, we may, from time to time, send you communications from Kesef or we may send you information about our affiliated companies. The emails we send may include special offers, advance notice of new releases and in-store promotions, updates on services offered and notification of upcoming events.

To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular email have clicked on the images and/or links therein. Our email communications may include HTML-based email messages, which includes an invisible coded sensor that is activated when the email message is opened. This sensor communicates the date and time the message was opened and, more importantly, whether your computer is capable of receiving HTML-based email. You will receive a functioning sensor only if your computer is enabled to accept HTML email.

How We Use and Disclose Personal Data

We use your Personal Data to process your loan transaction, enhance your experience at our Website, and (as described in the next section below) to transmit marketing communications. We may also use your Personal Data for such purposes as processing payments, updating our account records, improving our Website, conducting statistical analysis and for editorial or feedback purposes for our advertisers.

When you provide your Personal Data, you are consenting to sharing it with Kesef Limited, our affiliated entities, and third parties as further described herein:

• Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring companies, magazine publishers, retailers, and direct marketers. Their access is limited only to the Personal Data needed to perform functions on our behalf, and only for the purpose of performing those functions, and they are prohibited from using or disclosing the Personal Data for other purposes.
• Related Company/Group Transfers: Kesef Limited is part of a larger group of related companies and may need to disclose customer Personal Data to its affiliates from time to time for administrative and compliance purposes.
• Other Disclosures: In accordance with our customary practices and those in our industry, we disclose information about your transactions with us to credit bureaus. If necessary or appropriate in connection with the sale or transfer of the loans or all or part of the business, we disclose relevant Personal Data to third party purchasers. We also release personal and account Personal Data if it becomes necessary for compliance with law or to protect the rights, property, or safety of our Website, our users, or third parties. We reserve the right to release such Personal Data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
• With Your Consent: Other than as set out above, you will receive notice when Personal Data about you may be shared with third parties not described above, and you will have an opportunity to choose not to share the Personal Data.

In considering whether to enter into this Agreement, we may search your record at credit reference agencies. They will add to their records about you, details of our search and your application and this will be seen by other organisations that make searches. Our search of records at credit reference agencies may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of any application or this Agreement you may be treated as financially linked and you will be assessed with reference to "associated records". We may also add to your record with the credit reference agencies details of your agreement with us, the payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by us and them in order to: • Consider applications for credit and credit related services such as insurance for you and any associated person; • Trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your accounts. It is important that you provide us with accurate information. We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded. Fraud prevention agency records will be shared with other organisations to help make decisions on credit, motor, household, life and other insurance proposals or claims for you and members of your household.

If you have any questions or concerns about the sharing of your Personal Data as described above, please contact us as described at the end of this Privacy Policy. Depending on the nature of your request, you may have the opportunity to opt-out of these sharing practices . In addition, we reserve the right to use and disclose all information that is not in individually identifiable form as we deem appropriate in our sole discretion.

Marketing and Opt-Out Rights

By visiting our Website and providing your details you consent to us contacting you at the phone number or email address you enter on your loan application to assist you with your loan or to discuss other products and services that Kesef Limited may provide for you. You may opt-out of receiving these marketing communications from us by ticking the appropriate box on the loan application form on our website at www.countrywidepayday.co.uk, at any time by responding to any of our e-mail communications with “remove” in the subject line, or by sending us an email to support@countrywidePayday.co.uk or by visiting your customer account at www.countrywidepayday.co.uk and updating your contact preferences. If you opt-out of our use of your Personal Data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other inquiry.

The Website does not collect personally identifying information from your computer when you browse this website and request pages from our servers. This means that unless you specifically and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information.

DETAILED WIRELESS POLICY

By opting-in you are providing consent to use personal information to provide the services you've requested, including services that display customized content and advertising.

Your provider's Msg & Data Rates apply to any SMS (Short Message Service) messages. You may opt-out and remove your SMS information by sending "STOP", "END", "CANCEL", "UNSUBSCRIBE" or "QUIT" to the SMS text message you have received. If you remove your SMS information from our database, your number will no longer be used for secondary purposes, disclosed to third parties and used by us for third parties to send promotional correspondence to you.

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, the date & time, and content of your messages. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.

For help, email us at smsoptout@CountryWidePayday.co.uk or call 0-800-012-4044. Request help, get contact information or additional information regarding our texting services anytime from your mobile device by replying with the word "HELP" to the message you receive.

Links to Other Websites

This website may contain links to other sites. This Privacy Policy extends only to this website and therefore does not extend to your use of, provision of data to, and collection of data on any website not connected to us to which you may link by using the hypertext links within this website.

We recommend that you check the policy of each website that you visit and contact the owner or operator of that website if you have any questions or concerns.

How We Protect the Security of Your Personal Data

We maintain reasonable measures to protect security and confidentiality of your Personal Data, and strive to keep it accurate, and only for as long as is necessary. Some of the specific security measures we maintain include:

• We work to protect the security of your Personal Data during transmission by using Secure Sockets Layer (SSL) software, which encrypts Personal Data you input.
• We store Personal Data in a restricted access format.
• We transmit Personal Data in an encrypted format
• Our networks are secured with certified firewalls in a multi-layered fashion with redundancy.
• Our network related equipments (e.g., firewalls, routers, switches, etc) are secured with a password, and access is limited to authorized network engineers.
• We restrict the access of customer service support staff so that extremely sensitive Personal Data cannot be viewed (e.g. full bank account Personal Data is not revealed, but only a partial number of digits to allow verification).
• It is important for you to protect against unauthorised access to your User ID and to your computer. Be sure to sign off when finished using a shared computer.
• We will retain your information securely stored for a reasonable period or for as long as the law requires.

You May Access your Personal Data

Kesef Limited believes that you should have the ability to review and update your account Personal Data. Kesef Limited gives you access to Personal Data about your account and your interactions with Kesef Limited for the purpose of viewing and updating that Personal Data.

If you require details of the credit reference agencies or any other agencies from whom we obtain, and to whom we pass, information about you. You have a legal right to these details. You have the right to receive a copy of the information we hold about you if you apply to us in writing. A fee will be payable.

Children

We do not seek or knowingly collect any Personal Data about children under 18 years of age.

Conditions of Use and Revisions

If you choose to visit the Kesef Limited Website, your visit and any dispute over privacy is subject to this Privacy Policy.

If you have any concern about privacy or have any questions or comments, please send them to:

We reserve the right to change this Privacy Policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website.

Privacy Policy last amended 01 December, 2008