HOW WE USE THE INFORMATION WE HOLD ABOUT YOU
Where we process your personal information, we will ensure that we have a lawful basis to do so for the performance of a contract to which you are a party or in order to take steps at your request prior to entering into a contract, or for compliance with a legal obligation to which we are subject.
Failure to provide personal data for these purposes may mean that we cannot perform the services requested or you may not be able to use the products and/or services we offer.
INFORMATION WE COLLECT
We collect information from you through our website, emails or correspondence you send us and through telephone calls with our service teams.
We will only collect information which is necessary in providing information about our products and services to you. This includes your personal information such as your name, date of birth, residential address, employment details, telephone number and email address.
By submitting your personal information to us, you are confirming that the information you are giving is correct and relates to you.
We will also collect information about you from the details you permit us access to us to see from your bank account. We will use this information to make sure that any Salad Money products you apply for are affordable to you.
We will also collect other information about you and the devices you use to access our websites, or we may ask third parties to do this for us, using technologies such as cookies.
We may collect any personal information which you provide to us voluntarily, for example by completing a form on any of our websites or in hard copy, by taking part in a survey, in a phone conversation or by emailing us.
Where we seek information from you, giving this information is your choice and if you choose not to give all or some of it to us, this may affect our ability to provide you with the products and/or services you require.
When you apply for Salad Money products, we will ask you to provide some information about your employment, which may include some or all of the following: employee ID number, National Insurance number, length of service and/or other details to assist the payroll department at your employer to make salary deductions.
Images of identification documents may be requested to prove your identity, address and employment status as we are required to do so by law.
Open Banking information
In order to assess eligibility for a Salad Money product, we require information from your bank, which is usually found on bank statements, through a process called Open Banking. With your consent, your bank will provide transactional information from your accounts. We use this to assess whether you can afford the loan for which you have applied and that you are employed by an employer through which we can make salary deductions. Where you have been accepted for a Salad Money loan, we will use the bank account information to send your loan funds to you into the account where you receive your main income. We will also set up a Direct Debit mandate to allow us to collect repayments via Direct Debit in the event that collecting loan repayments from your salary is not possible.
- your preferred settings
- your browser type
- your operating system
- Internet Protocol (IP) address (a way of identifying your internet connection)
- when you access our website
- which pages you visit
- the actions you take on each page
Recording our calls
We may record and monitor our telephone calls to help improve the products and/or services we provide to you.
HOW WE USE YOUR INFORMATION
Your information will be used:
- To verify your eligibility and suitability for our products
- To provide our products and services to you
- To remain in contact with you by email, SMS, post and telephone
- To provide and improve the customer support we provide to you
- To comply with any legal or regulatory requirements
- To administer the disbursal of loan funds and the collection of loan repayments (whether by salary deduction or otherwise)
- To keep you informed of any of our products, services or offers. (You can opt out of marketing communications at any time by emailing us)
- To maintain our records and other administrative functions
- To conduct research
- To generate non-personal statistical data (such as the age range of site users). This may then be shared with third-parties and your employer
- To assist in the investigation, detection and prevention of crime
To conduct research -, including without limitation, to:
- monitor site usage
- understand visitors’ browsing habits
- analyse trends and demographic statistics
- review individual anonymised usage sessions
- To assist in the investigation, detection and prevention of crime
The information we use in determining eligibility for Salad Money products
When you apply for Salad Money products, we will use personal information, a declaration of whether you are, or have recently been declared bankrupt, a declaration of whether you are currently in a debt management plan or individual voluntary arrangement, a declaration of whether you are suffering from any kind of addiction and whether you have any kind of mental health condition that would impair your ability to make an informed decision in forming a decision of whether you are eligible.
SHARING YOUR INFORMATION WITH OTHERS
We will keep your information confidential, but we may share it in certain circumstances, where we have a lawful basis to do so), for the purposes set out in this policy with:
- Our service providers and agents
- Anyone we may transfer our rights to
- Regulatory and law enforcement bodies
We may share relevant information (limited to information required to identify you to your organisation for the purpose of processing salary deductions and non-personal statistical data (such as the age range of site users), that will not include any information that could personally identify you) with your employer.
USING OTHER WEBSITES
Our websites may contain links to websites which are owned or controlled by parties other than Salad Money. These links are provided for your convenience and do not imply that we have reviewed or condone the third-party sites, their content or their privacy policies.
Our website may also automatically transfer you to a third-party site in order to fulfil the services we provide to you. In such cases, we will carry out due diligence to ensure third parties have the appropriate data protection requirements in place.
When you access linked third-party websites, you do so at your own risk. These sites may place their own cookies or other files on your computer, collect data or solicit personal information from you. We will not be held liable for any misuse of your information or other misconduct by the third party.
WHERE IN THE WORLD WE SEND INFORMATION
Salad Money is based in the UK, and this is where we operate our software platform.
HOW LONG WILL WE KEEP YOUR INFORMATION?
We will keep your information for as long as is needed for the purposes set out above or as required by any laws that apply.
The criteria that we use to determine the period for which we retain personal information include:
- legal and regulatory requirements and guidance
- limitation periods that apply in respect of taking legal action
- our ability to defend ourselves against legal claims and complaints
- good practice
- the operational requirements of our business
These reasons vary from one piece of information to the next depending on the products and/or services you have signed up for, so the amount of time we keep your personal information for may vary.
In all cases, our need to use your personal information will be reassessed on a regular basis, and information which is no longer required for any purposes will be disposed of.
AUTOMATED DECISION MAKING
In some instances, our use of your personal information may result in automated decisions being taken. By “automated decisions” we mean decisions made solely by automated means (for example, software algorithms) without any human review.
We use automated decisions to assess your suitability for our products (including their affordability), so that we can determine efficiently and accurately whether to offer you the products you apply for (and therefore whether we can enter into a contract with you) and so that we can perform our obligations under our contract as a responsible lender.
The personal information that we may use as part of any automated decisions includes the information that you (or third parties) provide to us, as described above.
When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision. You can exercise this right by emailing us at firstname.lastname@example.org. If you object to automated decision-making, this may affect our ability to provide you with the products and/or services that you request.
You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our site and Hotjar’s use of tracking cookies on other websites by following this opt-out link.
You have rights relating to the way that we use your information.
You have the right to:
- Ask us to send you a copy of the information we hold about you. - We have up to 30 days to respond to your request.
- Ask us to correct or delete any incorrect or incomplete information we hold about you
- Ask us to stop using your information (if there is no legal reason for us to hold or use it)
- Ask us to transfer a copy of some of your information to you or another organisation where this is technically possible
- Ask us to stop or start sending marketing message at any time
HOW TO MAKE A COMPLAINT
We endeavour to deliver the best levels of customer service in relation to information management. If your think we are falling short, please contact our data protection officer using the details set out below
The Data Protection Officer
Salad Finance Limited
Saint Magnus House
3 Lower Thames Street
You have the right to contact the Information Commissioner’s Office, the supervisory authority.
Information Commissioner’s Office,
Wycliffe House, Water Lane, Wilmslow, K9 5AF
0303 123 1113
We set out our full complaints handling procedure in the FAQ section of our website.