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Privacy Notice

1. Why do we have a Privacy Notice?

We are giving you this notice because we want you to feel confident about the privacy and security of your personal information and because we would like to explain how we will use and process it. Shelby Finance Ltd, trading as ‘Dot Dot Loans’ and ‘U’, (“we”, “us”, “our”, “Shelby Finance”) is the controller under applicable data protection laws. Shelby Finance is a subsidiary of Morses Club PLC. Whether you have a U Account, a Dot Dot loan, or both products, we (Shelby Finance) are the controller. We are a single controller which operates our business under two separate brands.

When we refer to "personal information" in this Privacy Notice, we mean information which identifies you as an individual (whether on its own or in connection with other information that we hold about you). For example, your name, address, email address, phone numbers, and perhaps some less obvious details like a list of payments you already make and the IP address relevant to you as a visitor to our Dot Dot Loans and U Account websites or as a user of the U Account mobile app. More details below.

We have a Data Protection Officer who can be contacted by email at DPO@Morsesclub.com, by telephone on 0330 045 0725 or by post at:

Data Protection Officer
Shelby Finance Ltd
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

In addition, please refer to the ‘Contact Us’ section (below).

Please read this Privacy Notice carefully.

2. What does this Privacy Notice cover?

This Privacy Notice applies to how Shelby Finance Ltd deals with your personal information which is collected through our www.dotdotloans.co.uk or our www.uaccount.uk websites (our “websites”), or the U Account mobile app. We will collect and process personal information about you when you visit the websites or use the U Account mobile app. We process your personal information when you apply for one of our financial products and afterwards (whether your application is successful or not) and when we are otherwise in contact with you (for instance when you call us or email us). It does not apply to any other organisation or to any other organisation’s website even if you access them through our websites or the U Account mobile app. If you disclose your personal information to other companies your information will be dealt with according to their own privacy policies and practices.

3. What personal information do we collect about you, and when do we collect it?

We collect the following personal information about you. Unless we indicate otherwise, these items of personal information are relevant to U Account and Dot Dot Loans customers.

Category of Personal Data: Collected From:
Your full name and initials* You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your postal address(es)* You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your date of birth* You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your marital status* and your title, e.g. Mr/Mrs/Miss/other title This is only relevant to Dot Dot Loans - not U Account You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your title e.g. Mr/Mrs/Miss/other title. This can reveal your marital status but we do not expressly ask for details of marital status This is only relevant to U Account – not Dot Dot Loans You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your contact telephone numbers (daytime and evening – this will include mobile telephone numbers and/or fixed line numbers depending on which you choose to give)* You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your email address* You - Completing an application form or contacting us, or from brokers and other providers of financial products
Your IP Address* From your use of our Websites (and the U Account mobile app)

For Dot Dot Loans: Your country of location*

For U Account: We do not expressly ask for your country of location, but your IP address and the transactional information referred to at the end of this table can reveal this detail

From your use of our Websites (and the U Account mobile app)

The make and model of your mobile phone or other device used to access our Websites or the U Account mobile app / your Device ID
This is only relevant to U Account – not Dot Dot Loans

The amount of time your device spends on our Websites or the U Account mobile app

From your use of our U Account Website (and the U Account mobile app)
For U Account: This detail is collected by Google Analytics cookies. Please see the U Account ‘Cookie Preferences’ link on our Website. From your use of our Websites (and the U Account mobile app)

Device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. This is your personal information because it all links to your IP address. Hotjar stores this information on our behalf in a pseudonymized user profile.

For more information about the processing of this personal information – see references to Hotjar at the end of the table in Section 5 below.

From your use of our Websites (and the U Account mobile app)
Your employment details*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Your salary details (including pay date frequency)*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form
Details of your non-salary income
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Details of your regular or one-off expenses*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Your requested loan amount and term*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us, or from brokers and other providers of financial products
The reason for your loan*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us, or from brokers and other providers of financial products
Details of your payment history for previous or active Shelby Finance products*
This is only relevant to Dot Dot Loans - not U Account
Our records of your previous or active products with us
Your credit status and history (including the information set out in Section 7 below)*
This is only relevant to Dot Dot Loans - not U Account
Credit reference agencies and fraud prevention agencies
Your history of name changes*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us. We will also receive information about your history of name changes from credit reference agencies (see “Credit Checking and Account Management” below)
The following information is only relevant to U Account - not Dot Dot Loans. We do not expressly ask for your history of name changes but if you choose to update your name on your U Account (e.g. if you change your name after getting married) we will know what you were previously called and what you are now called. From your use of our U Account Website (and the U Account mobile app)
Your postal address history*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us. We will also receive information about your history of name changes from credit reference agencies (see “Credit Checking and Account Management” below)
The following information is only relevant to U Account - not Dot Dot Loans. We do not expressly ask for your postal address history but if you choose to update your address on your U Account (e.g. if you change your address) we will know your previous and current address. From your use of our U Account Website (and the U Account mobile app)
Bank account details* - applicable to our short-term loans
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Bank account details* - applicable to our long-term loans
This is only relevant to Dot Dot Loans - not U Account
At the loan application stage - from a third-party income and expenditure verification service via Open Banking. This third party is called Consents.online (see “Our use of Open Banking for long-term loan applications” below)

During your loan – you contacting us
Bank account balance and incoming and outgoing transactions for the last six months* - applicable to our long-term loans
This is only relevant to Dot Dot Loans - not U Account
From a third-party income and expenditure verification service via Open Banking. This third party is called Consents.online (see “Our use of Open Banking for long-term loan applications” below)
Debit Card Details*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
The number of children or dependents in your household
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Your residential status (whether you own or rent your home)*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Details of whether you have any special needs, health conditions, or are otherwise vulnerable - if you choose to make us aware of these, or in the event we are otherwise made aware of these via someone else You - Completing an application form or contacting us

Third parties such as your friend, partner, relative or other person who contacts us on your behalf
Your marketing preferences You - Completing an application, or where you otherwise contact us to inform us of your marketing preferences
Your signature*
This is only relevant to Dot Dot Loans - not U Account
You - Completing an application form or contacting us
Your comments or other information entered into via our “Contact Us” page, any customer satisfaction surveys and/or in any correspondence between us You - Completing an application form or contacting us

Your identification information contained within a scanned copy of your personal identification documentation (e.g. driving licence or passport)* This is mandatory on the basis that it must be provided if you are asked to supply it (i.e. if we decide we need to verify your identity for your application to progress)

The following information is only relevant to U Account – not Dot Dot Loans. If we verify your identity this will result in us holding the result of what we call a ‘know your customer’ check. This essentially means we record that we have checked your identity using your identification information.

You – Upon our request for copies of this documentation when processing your loan application or when you apply for a U Account
Your financial information contained within personal documentation (e.g. wage slip)* This is only relevant to Dot Dot Loans - not U Account You – Upon our request for copies of this documentation when processing your loan application

For Dot Dot Loans: Your voice when calling in to discuss your account

Transcripts of customer service interactions through email, secure messaging and Live Chat

You – When discussing your loan account or your U Account with one of our representatives
Transactional information about payments to and from your U Account*
This means transaction, account and card data which is visible to us from the use you make of your U Account, such as details of transactions in and out of your U Account, including salary and other income, regular or one-off expenses, and payments to or from your U Account made using accounts you hold elsewhere (which therefore relate to you)
This is only relevant to U Account – not Dot Dot Loans
You – when you use your U Account. We use this to manage your U Account

* The processing of these categories of personal data is mandatory in order to assess your eligibility for one of our financial products and to enable us to administer it during its term. A failure to provide this information may result in us being unable to offer our products to you.

If we have purchased your account from another provider, we will have obtained your personal information from that other provider (instead of from you). This will have been explained to you in the ‘welcome letter’ we addressed to you.

4. Cookies relevant to Dot Dot Loans and U Account customers

Our Websites (and the U Account mobile app) use cookies to distinguish you from other users of our Websites or that app.

Dot Dot Loans customers: Please read the Cookie Policy on our Website for more information about which cookies we use. A link to our Cookie Policy is presented to you when you first visit our Website so that you can decide whether to consent to non-essential cookies.

U Account customers: Please see the U Account ‘Cookie Preferences’ link on our Website for more information about which cookies we use. This link is presented to you when you first visit our Website so that you can decide whether to consent to non-essential cookies.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit: http://www.allaboutcookies.org/

5. For what purposes do we use your personal information?

We will use your personal information in the following ways:

Purpose Categories of personal data Lawful basis for processing

To verify your identity.

To enable us to consider and process your application for our products and services.

To verify your credit standing (Dot Dot Loans customers only).

To verify your income and expenditure (Dot Dot Loans customers only).

To comply with the Financial Sanctions regime.

To check against the list of Politically Exposed Persons.

All categories of personal data set out in Section 3 above except your marketing preferences.

This processing is necessary for the performance of our contract with you. This processing is necessary for compliance with legal obligations to which we are subject.

In relation to verifying your credit standing and income and expenditure, our processing is also necessary for our legitimate interest of making sure that we enter into loan agreements with customers whose credit history does not expose our business to undue risk and our legitimate interest of acting as a responsible lender or service provider (Dot Dot Loans customers only).

In relation to Financial Sanctions, our processing is also necessary for our legitimate interest of making sure that we meet the expectations of the Financial Conduct Authority (FCA) by having systems and controls in place to guard against the risk of financial crime. We must not carry out transactions with, or provide any financial services to, any person who is subject to a financial sanctions order from the government. We will check you are not subject to a financial sanctions order. We will screen all existing and new customers against the HM Treasury (HMT) list of financial sanctions orders. We will check for any updates to the HMT list.

In relation to Politically Exposed Persons/high-risk customers our processing is also necessary for our legitimate interest of making sure that we meet the expectations of the Financial Conduct Authority (FCA) by having systems and controls in place to guard against the risk of having a customer who is a Politically Exposed Person (PEP). We will check you are not on the list of PEPs and that you are not an immediately family member or close associate of a PEP. A PEP is an individual whose prominent position in public life may make them vulnerable to corruption.

To assess your credit history (Dot Dot Loans customers only) and confirm your employment details (as explained further in Sections 6 and 7). All categories of personal data set out in Section 3 above and Sections 6 and 7 below - except your marketing preferences.

This processing is necessary for the performance of our contract with you. This processing is necessary for compliance with legal obligations to which we are subject.

In relation to assessing your credit history, our processing is also necessary for our legitimate interest of making sure that Dot Dot Loans enters into loan agreements with customers whose credit history does not expose our business to undue risk and our legitimate interest of acting as a responsible lender, or service provider (Dot Dot Loans customers only).

To perform actions in line with the contract we have with you (the agreement) including administering and servicing this agreement and setting up payments, if necessary.

In addition, sending you customer service communications and replying to questions you ask/enquiries you make in relation to our contract with you. For example, from time to time we need to let you know about certain things that are happening with your account, for example, to alert you to a failed payment or following a request to reset your password. We may also need to correspond with you if you contact us for assistance. We’ll usually (though not always) send these communications to you by email or within your online account. We may occasionally call you by telephone for this purpose.

In addition, sending you legal and regulatory information in relation to our contract with you. For example, when we need to tell you about changes to our policies, terms or conditions. We’ll usually (though not always) send these communications to you via email or as a message within your online account. We may also occasionally need to send these to you by post.

All categories of personal data set out in Section 3 above - except your marketing preferences.

This processing is necessary for the performance of our contract with you.

This processing is necessary for compliance with legal obligations to which we are subject.

To collect unpaid amounts that may be owed by you in relation to any Dot Dot Loans. All categories of personal data set out in Section 3 above except your marketing preferences. This processing is necessary for the performance of our contract with you.

To develop and manage our products and services in order to meet your needs and those of our customers more generally, and to determine your own eligibility for the different ranges of products and services from Shelby Finance (current products and products to be offered in the near future) which we consider you may be interested in. ‘Products and services’ here means financial ones – such as loans, credit, accounts.

As an example – if you repaid your Dot Dot loan as anticipated we may wish to provide you with information about our U Account product or our future products and services offered under the Dot Dot Loans brand, the U Account brand or any future brand that belongs to us. If you are a U Account customer, we may wish to provide you with information about our Dot Dot Loans product or our future products and services offered under the Dot Dot Loans brand, the U Account brand or any future brand that belongs to us. This is what we call ‘cross marketing’.

This processing is unlikely to happen if you defaulted or have an arrears history in relation to a Dot Dot Loans product, of if we consider you to be a fraud risk based on your current or historic activity in relation to a Dot Dot loan and/or with a U Account.

What we have described above means we will be carrying out some profiling, i.e. looking at your behaviour, including in an automated way, in relation to the products and services you have from us, to see if you could be a potential customer for other products and services from us.

All categories of personal data set out in Section 3 above. This processing is necessary for our legitimate interests of creating new or updated products and services to improve our service offering to existing and potential new customers and our legitimate interests in finding out which of our customers could be a potential customer for other products and services from us.
To notify you about changes to our website, the U Account mobile app, our services or our products (this means service communications – not marketing communications). All categories of personal data set out in Section 3 above. When we notify you about changes to our website, the app, or services or our products, this will be for the performance of our contract with you.

For us to communicate with you to provide you with marketing information about our own products and services that you request from us or our other products and services (see above where we call this ‘cross marketing’), or about products and services from Morses Club PLC.

To share your name and contact details with Morses Club PLC for its own marketing.

All categories of personal data set out in Section 3 above.

For our own marketing to our own customers about our own existing and new products and services - the processing of your personal information is necessary for our legitimate interests of promoting those products and services. We would explain how to opt-out of our marketing. We would remind you of how to opt-out in each marketing communication.

For our own marketing to our own customers about existing and new products and services from Morses Club PLC – the processing would be with your opt-in consent. You can withdraw that type of consent at any time.

For marketing from Morses Club PLC about its own existing and new products and services – and our sharing of your name and contact details to that end – the processing would be with your opt-in consent. You can withdraw that type of consent at any time.

For our own marketing based on legitimate interests we need to tell you about a balancing test we have performed. We have balanced our legitimate interests in promoting our business and our own products and services to you as against your own rights and freedoms which require us to protect your personal information and we have carefully determined that your own rights and freedoms will not be overridden when we send you our marketing. We will not send you an excessive number of marketing messages over any given period; we will respect any request from you asking us to stop our marketing within a reasonable period; we will only be marketing our own products and services which are similar to those you already hold (i.e. all are financial products); we will suppress your contact details in our marketing database where we have identified you as a vulnerable customer, or being in arrears or default on any Dot Dot loan, or where you are a U Account customer with a restricted account; and by making sure you know how to stop our marketing. We would remind you of how to opt-out in each marketing communication.

In all cases you can object at any time to our direct marketing or stop our marketing. For the simple way to stop our marketing see section 15 below. You can also find out about how to object by using your rights under data protection law. See section 12 below.

You can object to or stop marketing from Morses Club PLC at any time and to do this you should use its own contact details which will be in the marketing communication itself.

Customer satisfaction surveys to monitor and improve the quality of our product and service offerings (which may involve using your data in quality and performance training). Your full name and initials; postal and correspondence address(es); contact telephone numbers; e-mail address; comments or other information provided via our “Contact Us” page, any customer satisfaction surveys and/or in any correspondence between us. This processing is with your consent.
To undertake market analysis, forecasting, business planning and auditing exercises in connection with our business. All categories of personal data set out in Section 3 above - except your marketing preferences. This processing is necessary for our legitimate interests of management planning and forecasting in relation to our business.
To contact you in connection with any enquiries that you raise. All categories of personal data set out in Section 3 above - except your marketing preferences. This processing is necessary for our legitimate interests of responding to questions and comments raised by individuals that contact us.
To detect, prevent and investigate fraud and money laundering. We may use information provided by fraud prevention agencies as part of this, as well as social media sites to check information you have supplied to us if you have made your profile on those sites public/viewable by others based on your privacy settings All categories of personal data set out in Section 3 above - except your marketing preferences. This processing is necessary for compliance with legal obligations to which we are subject. Our legitimate interests in taking steps to protect our business from the risk of fraud and money laundering, is also relevant.
To comply with laws and our regulatory requirements. All categories of personal data set out in Section 3 above. This processing is necessary for our legitimate interests of complying with laws and regulatory requirements.
To, establish, defend, exercise, enforce or to protect our rights, property or safety, or that of our customers, employees or other persons with whom we have a business relationship. All categories of personal data set out in Section 3 above - except your marketing preferences. This processing is necessary for our legitimate interests of establishing, defending, exercising, enforcing or protecting our rights and others with whom we have a business relationship.
For monitoring and recording of telephone calls and email communications where necessary for compliance with regulatory rules or self-regulatory practices or procedures relevant to our business, to prevent or detect crime, for quality, training and security purposes. All categories of personal data set out in Section 3 above - except your marketing preferences. This processing is necessary for our legitimate interests of complying with regulatory rules and ensuring we are implementing quality checking and compliance processes.
To assist you with our products and services in the event we become aware you require additional support, have special needs or are otherwise vulnerable because of a physical or mental health issue. All categories of personal data set out in Section 3 above - except your marketing preferences.

In most cases this processing is necessary for reasons of the substantial public interest of safeguarding your economic wellbeing if we become aware you are at economic risk as a result of a physical or mental injury, illness, health condition or disability. In exceptional cases, we may have to do this processing to protect a customer’s vital interests or those of another person and when the customer is incapable of giving a valid consent. Vital interests means there is a threat to the customer’s life or someone else’s life, or a real risk of very serious harm to a customer or another person.

We will only ask for your explicit consent where we cannot rely on one of the lawful reasons mentioned directly above.

At the same time, this processing is necessary for our legitimate interests of complying with regulatory requirements about the fair treatment of vulnerable customers. We have balanced this against your own rights and freedoms, and they are not overridden in this context because this processing is what is necessary to enable us to treat you fairly and protect your own economic well-being. This information will only be available to people in our business who need to know it. We will duly observe the principle of data minimisation and will therefore only process this information where we reasonably believe it is necessary.

Sometimes (in rare cases) this processing will be necessary for our compliance with legal obligations (for example, if you have a disability which has to be noted and dealt with so that we can comply with legislation.)

To anonymise your personal data for market research, statistical and analytical purposes, including producing statistical research and reports All categories of personal data set out in Section 3 above - except your marketing preferences. This processing is necessary for our legitimate interests of creating anonymous data sets that we can use for research, statistical and analysis purposes.

To collect information from your browser and device when you access our websites or the U Account mobile app. To do this, we use software provided by a third party called Hotjar. Hotjar uses cookies and other technologies to collect data about how visitors use our websites and their devices.

Hotjar is contractually forbidden to sell any of the data collected on our behalf.

We have configured the Hotjar service so that it does not collect key personal data you provide when submitting a loan application such as your name, address, bank account details and information about your employer.

You may opt-out of Hotjar collecting your information when visiting our Websites and the U Account mobile app at any time by visiting Hotjar’s opt-out page at https://www.hotjar.com/opt-out and clicking 'Disable Hotjar'. You will need to do this on each browser you use. Alternatively, you can prevent Hotjar from collecting your information by activating the “Do Not Track” setting in your browser, which will also opt you out of similar services that use this setting to disable tracking.

Device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. This is your personal information because it all links to your IP address.

This processing is necessary for our legitimate interests of analysing users’ activities on our websites and their devices (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like). This allows us to build a better user experience and service.

As Hotjar uses cookies which are not essential for our website and for the U Account mobile app to function, we will ask for your consent to place those cookies on your device.

Consent is also the lawful reason we rely on under data protection laws to collect your personal information through those cookies.

When we subsequently use that personal information to improve our service and the user experience, we do not rely on consent as our lawful reason under data protection laws. Please see above where we refer to our legitimate interest.

For more information on cookies, please refer to our Cookie Policy.

Where we process any special category data about you, for example any health information you provide us with, we will process this only:

  • where you have given explicit consent to the processing of such data (we will only ask for this if we cannot rely on the alternatives below); or
  • for the establishment, exercise or defence of legal claims; or
  • where the processing is necessary for the purposes of carrying out obligations and exercising specific rights in the field of social security and social protection law; or
  • where you have manifestly made public that personal data; or
  • where the processing is necessary for reasons of substantial public interest, this means safeguarding (protecting) your economic wellbeing when a physical or mental injury, illness, health condition or disability you have made us aware of or which we otherwise become aware of puts you at economic risk, making it difficult for you to make repayments on your Dot Dot loan or to manage your U Account. As you can see from the table above, this is the lawful basis we will use in most cases where we process our customers’ special category data. We will usually explain this in more detail at the point (or shortly after the point) we are first made aware of a health issue that is affecting your economic wellbeing.

6. Automated systems and processing of personal information

If you apply for a Dot Dot loan we will use credit scoring and other automated systems:

  • to assess your application,
  • to verify your identity;
  • to prevent and detect fraud and money laundering; and
  • to check you are not on the HM Treasury Financial Sanctions list or the Politically Exposed Persons list.

If you apply for a U Account we will use automated systems:

  • to assess your application;
  • to sometimes verify your identity (but credit scoring is not relevant);
  • to prevent and detect fraud and money laundering; and
  • to check you are not on the HM Treasury Financial Sanctions list or the Politically Exposed Persons list.

Automated Decision Making

Our automated systems are used to make a recommendation about whether you should be accepted for a U Account or a Dot Dot loan (depending on which product you have applied to have).

In relation to Dot Dot Loans applicants:

These automated systems compare the information in your application form and information from a credit history check which is gathered from credit reference agencies (“CRAs”). In this way we can assess the risk of non-payment if we were to grant you a Dot Dot loan (see Section 7 for more details about what we obtain from CRAs). The personal information processed in our automated systems for this purpose includes your name, address(es), date of birth, employment status, salary, details of your non-salary income, details of your regular or one-off expenses, requested loan amount, reason for your loan, previous payment history, and credit status and history. We compare the information provided by the CRAs in an automated way against our customer database to evaluate whether you are likely to be able to repay your requested Dot Dot loan amount. Further details below.

In relation to U Account applicants:

The personal information processed in our automated systems which we use to assess your application and (where necessary) verify your identity includes your name, address, email address, date of birth and IP address.

When you make an application for a Dot Dot loan or U Account, we will decide whether to offer you the product applied for using automated processes. This enables us to ensure that our decisions are made fairly and quickly and that our required criteria are consistently applied. As part of this process we need to: (i) verify your identity and (in relation to Dot Dot loans only) assess your ability to meet the terms of the product applied for, (ii)verify that there is no record held with the fraud prevention agencies linking to information you have provided during your application; and (iii) check whether you are on the HM Treasury Financial Sanctions list or the Politically Exposed Persons list. To do this we automatically request third party searches.

In relation to (ii) above: we use the information obtained from our third-party provider of HM Treasury Financial Sanctions list and Politically Exposed Persons list screening services. We simply take account of whether you are on the HM Treasury Financial Sanctions list or the Politically Exposed Persons list. If you are on either one of those lists, or both, your application will be automatically declined.

In relation to (i) above: we use the information obtained from the Credit Reference Agencies which we refer to in Section 7 and analyse the results received. The factors considered during this decision-making process are:

  • the information provided by you on the application form;
  • information about any previous applications you have made or attempted to make;
  • information we hold regarding the account history of any products you have previously had from us;
  • information about your credit history which is obtained from credit reference agencies (this is only relevant to Dot Dot Loans); and
  • information about your identity which is obtained from credit reference agencies.

We regularly test our decision-making process to ensure it remains fair, effective and unbiased. We explain this in more detail below and have separated this into product specific sections, as follows.

Automated Decision Making – Dot Dot Loans

Step 1 - only relevant to previous customers and applicants: If you have previously applied for a Dot Dot loan and been declined within a period of 30 days prior to your current application, our systems will decline your application. If you are a previous customer of Dot Dot Loans, we will check our database to see whether you made your repayments as required. If you did not make your repayments on a previous loan as required, your application will be declined. If you did make your repayments, your application will pass to Step 2.

Step 2 - relevant to all customers and applicants: Our automated systems gather information from Credit Reference Agencies (see section 7) about your credit score and credit history (for example, how you have repaid other loans with other providers and whether you have defaulted). The systems check this information against what we call scorecards (more details below about these below) to generate a suitability score for your application (this means we grade you based on how likely you are to repay the Dot Dot loan amount which you have applied to have and whether the information available to us indicates you can afford the loan). If you do not meet the minimum suitability score, then your application will be declined. If you exceed the minimum suitability score, the systems will use the credit score and credit history information, as well as repayment history information relating to any previous loan you have had from us, to determine the maximum loan value that Dot Dot Loans will be able to offer you.

Scorecards are mathematical models which attempt to provide an estimate of the probability that a customer will display a defined behaviour (e.g. default on their loan) with respect to their current or proposed borrowing. Credit scoring typically uses observations and data from customers who fell into arrears or defaulted on their loans plus observations and data on a large number of customers who did not. This model can be used to predict the probability of arrears or default for other customers (this means you if you are applying for a Dot Dot loan) using the same observation characteristics (e.g. age, income, house owner etc.). The probability of you falling into arrears or defaulting are then scaled to a "credit score." This score ranks customers by riskiness without explicitly identifying their probability of default.

Additionally, the personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at www.cifas.org.uk/fpn.

If your application satisfies Step 1 and Step 2, a final decision as to whether to accept your loan application and the value that Dot Dot Loans may loan to you is made in an automated way, i.e. without any lending decisions being made by a human.

Automated (and manual) Decision Making – U Account

All U Account applicants are subjected to Step 1 and it is always automated. When you apply for a U Account, we undertake automated checks with third parties to help us decide about your application. This means we will receive information from credit reference agencies to help us verify your identity, and we will also receive information from our third-party provider about whether you are on one or both of the HM Treasury Financial Sanctions list or the Politically Exposed Persons list. This happens in an automated way i.e. without any human making decisions about whether to approve your application or not.

Credit reference agencies (CRAs) may check the details that you supply against any particular database (public or otherwise) to which they have access. They will make an unrecorded enquiry, which is a search that was not made for lending purposes. It is not seen by lenders other than the one that carried out the search but is included on your credit report so that you know the search was made. It does not affect your credit rating, or score, when you apply for credit.

Additionally, the personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at www.cifas.org.uk/fpn.

If your application satisfies the various checks involved in Step 1, you move to a Step 2, which is also automated. This is when a final decision about whether to accept your application for a U Account is made in an automated way.

If you do not pass one or more of the checks in Step 1 you will move to a Step 2, which is not automated. This is where one of our employees will manually review any information passed to us by the fraud prevention agencies and/or someone working for our third-party provider will manually review your ID document (this means your passport or ID document) and your proof of address document (such as your utility bill). These individuals will take the final decision about whether to accept your application for a U Account based on the outcome of these checks.

Automated Decision Making – all U Account and Dot Dot Loans customers

You have a right to request that your application is reviewed by a member of our team, to express your point of view on the automated decisions that we make about you and to contest our decisions. This is the case for all of the automated decisions we mention above (i.e. identity verification, credit scoring, checks of the HM Treasury Financial Sanctions list and the Politically Exposed Persons list). If you would like us to reconsider any decision made automatically, please contact us (as set out in the “Our Contact Details” section below). If you ask us to make a manually review an automated decision, we will do so but please note this means we will not be able to consider your application within our normal timescales.

As already mentioned, the decision about whether to provide a U Account to some applicants (i.e. those who pass Step 1) is fully automated without any human involvement, whereas the decision about whether to provide a U Account to some other applicants (i.e. those who do not pass any part of Step 1) always involves a human decision at Step 2. If you request a review of all automated decisions, we will explain which have already involved a human and then respond in relation to the automated decisions which remain.

7. Credit Reference Agencies

U Account customers: If we need to verify your identity, we will share your personal information with CRAs and use information obtained from CRAs and this includes information about you taken from the electoral register. Credit history checks are not relevant to you (unless you apply for a Dot Dot loan).

Dot Dot Loans customers: If we need to verify your identity, we will share your personal information with CRAs and use information obtained from CRAs and this includes information about you taken from the electoral register. We will also do a credit history check with CRAs. See below for more details. We do not ask CRAs for information about associated persons such as your spouse or partner, though other companies may do that and for this reason the CRAs require us to tell you about this activity. That is why ‘financially linked records’ held at the CRAs are mentioned below.

More information about credit history checks - relevant to Dot Dot Loans customers only:

If you are applying for a Dot Dot loan, CRAs supply us with details of your credit history and associated information. When CRAs receive a credit history check request from us (this is what we refer to as a ‘credit application search’ below), they will record the details of that and place a search ‘footprint’ on your credit file. That footprint will be seen by other lenders and persons unrelated to us (i.e. the other customers of the CRAs) if they undertake credit checks on you in the future in connection with their own financial products and services. We will provide information about your agreement with us for your Dot Dot loan and your repayment performance to the CRAs. We report to these third parties at least once a month, including details of the payments you make, payments that you do not make on time and details on any default against this agreement. Our records will remain on your credit file for 6 years after they are closed, whether settled by you or defaulted by us.

Here is more information about how we carry out this activity in practice. If you apply for one of our credit products (this means a Dot Dot loan), we will firstly carry out a quotation search with the credit reference agency TransUnion. This is also known as a “soft search” and is not visible on your credit file to other lenders. This search provides us with information relating to your credit history and other associated information. We will then carry out a further soft search with the CRA to verify your identity and residence which, again, is not visible to other lenders. This search includes us being provided with information about you from the electoral register. If we make an offer to you and you accept this, we will carry out a credit application search and this will be visible on your credit file to other lenders.

If you take one of our credit products, we will provide information about this agreement and your repayment performance to the CRAs. We report to these third parties at least once a month, including details of the payments you make, payments that you do not make on time or fail to make, any repayment arrangement you may agree with us and details of any default against this agreement as a result of non-payment. This information will remain on your credit file for 6 years from the date your account is are closed, whether settled by you or defaulted by us. During the life of your Dot Dot loan we will need to conduct a further soft search with the CRAs every 12 months to comply with anti-money laundering laws; this search is not visible on your credit file to other lenders and will only be relevant if you have an open Dot Dot loan for 12 months or longer.

The personal data that we will share with CRAs includes:

  • Your current full name;
  • Your current postal address;
  • Your date of birth;
  • Your mobile phone number;
  • Your bank account number and sort code;
  • Your monthly income;
  • Your postal address history;
  • Details of your payment history in relation to the credit product(s) you have with us

The CRAs can also share your information with other organisations (more details in the paragraph below).

The CRAs will provide us with the following information relating to you:

  • Your name and aliases;
  • Your date of birth;
  • Your address and previous addresses;
  • Your financial details including details of your income/debts and repayment history;
  • Confirmation of bank account ownership;
  • Any court judgments that have been issued against you;
  • Any Bankruptcy, Individual Voluntary Arrangement (IVA), Debt Relief Orders (DRO) or other forms of insolvency / similar events relating to you;
  • Fraud prevention indicators;
  • "Gone away indicators" (which indicate whether you have left an address, partially settled your account or are deceased);
  • Search footprints where enquiries have been made about you;
  • Your credit scores and ratings;
  • Flags and triggers, for example where you may be flagged as subject to fraud, and indicators of the certainty of the information they provide;
  • Any Politically Exposed Persons (PEPs) and Sanctions data.

We and those other companies (meaning the other customers of the CRAs if they undertake credit checks on you in the future in connection with their own financial products and services) will use these records and other information to make credit decisions about you. The CRA records will also be used by those other companies (meaning the other customers of the CRAs) to make credit decisions about your current spouse, partner or other individual that has been financially linked or associated with you (for example if you have a joint account with them). Those other companies will: search, link and/or record information at CRAs about you both; link any individual identified as your financial associate, in their own records; take both your and their information into account in future applications by either or both of you (as relevant), and continue this linking until one of you notifies those other companies or the CRAs that you are no longer linked; links between all such persons will remain on your and their files at the CRAs until such time as you or the other relevant person successfully files for a disassociation with the CRAs. If your circumstances change such that you are no longer a financial unit with another person, you should contact the CRAs directly using the contact details in the “How to find out more about Credit Reference Agencies” section below.

8. How to find out more about Credit Reference Agencies

More information about CRAs and how they use personal data is available at the following links:

You can contact the CRAs as per the following:

9. Our use of Open Banking

Dot Dot Loans customers: In order to be able to submit an application for one of our long-term loans (18 to 48 months), you will need to agree to our use of consents.online, a third-party Account Information Service Provider (AISP)for the purpose of them passing some of your financial information to us. Consents.online is an FCA regulated service that lets you grant us permission to view the information that appears on your bank statements through “Open Banking”. This is a paper-free way of you sharing your income and expenditure information with us so that we can thoroughly and fairly assess whether you can afford to take out a loan. It also removes the need for you to send bank statements, payslips or other income and expenditure-related information to us.

You are not automatically opted in to Open Banking. You will only use it if you give permission for that to consents.online. This is what we mean by ‘consent’ throughout this section 9. If you give consent for this, consents.online will share your personal information (further details below) with Shelby Finance Ltd, trading as Dot Dot Loans. It is important to understand that ‘giving consent’ is in the context of consent under Open Banking regulations and is not the same thing as ‘giving consent’ in the context of consent under the General Data Protection Regulation (GDPR). The consent you give to consents.online is simply you giving your permission to them so that they can share your personal information with Shelby Finance Ltd in accordance with the contract they have with you. When you look at the privacy notice of consents.online you will see that they share your personal information with providers like us based on the GDPR lawful basis of it being necessary to administer the contract which they have with you. In turn, we then use this personal information for our legitimate interest of doing what we describe at the end of the paragraph directly above.

As part of the long-term loan application process, we will direct you to consents.online, who will ask you to provide your first and last name, email address and phone number. You will then be asked to select which bank/building society you hold your current account with before being asked for your consent to access the following account information and share it with Shelby Finance Ltd, trading as Dot Dot Loans:

  • Name of your bank/building society
  • Your account name, number and sort code
  • Your account balance
  • Incoming transactions for the last six months
  • Outgoing transactions for the last six months

Once you have given consent to consents.online, a secure, encrypted connection will be made with your bank/building society and you will be asked to authenticate yourself in the same way as you would to access your online banking log in. Your bank/building society will then ask you to confirm that you would like to share your account information with consents.online before this is passed to them, who will then share it with us.

You will only be providing consent to consents.online accessing this information and sharing it with us on a one-off basis and we will be limited to read-only access and cannot make any changes to your bank account. We will not ever share this information with any other third party.

You can withdraw your consent to this service at any time by contacting consents.online by email at enquiries@consentco.co.uk or telephone on 0800 180 8570. This means withdrawing your permission – this is not the same thing as withdrawing a GDPR consent and we have explained why above. Withdrawing your consent means that consents.online will delete their record of your statement data and we will no longer be able to access it, though we will retain a record that we referred to consents.online in order to make a lending decision regarding your loan.

We will use this information as part of our credit and affordability checking processes, which includes verifying your income and expenditure, in order to decide whether we can offer you a long-term loan. We will notify you of the outcome of this review within one working day.

If you do not agree to consents.online supplying us with your bank account information via Open Banking, you will not be able to complete your long term-loan application and we will not be able to consider whether we can enter into a contract with you to provide you with this kind of loan.

When consents.online uses your personal information, it will be acting as a controller of that information. It will process your information in its own name as it has the sole mandate for that (which means it takes all decisions in relation to its own use of your personal data and we have no control over its use of your personal data). Please read consents.online’s privacy notice for more information about how it will process your personal data as a data controller. You will be able to view this once we direct you to consents.online’s website towards the end of your application.

U Account customers: Under the Payment Services Directive (PSD2), U Account has a regulatory obligation to allow authorised Account Information Services Providers (AISPs)) to access account and transaction information when our customers have given consent for this to happen. This allows the customer to add their U Account information to an AISPs single, consolidated view of the financial products held by that individual.

If you ask a TPP to provide this service to you, they will establish a secure, encrypted connection with U Account and we will then confirm that they are permitted by the Financial Conduct Authority to obtain this information from us through a check conducted by a third party called Konsentus. If this check is completed successfully, you will then be asked to log in to the U Account consent portal using your usual username and password, so that a one-time passcode can be sent to your mobile phone. Once you have confirmed the passcode, you will then be asked to confirm you would like us to share the following U Account data with your chosen AISP:

  • Name of your account provider (this is U Account)
  • Your account name, number and sort code
  • Your account balance
  • Details of incoming transactions
  • Details of outgoing transactions

Once you have agreed to the above information being provided to the AISP, we will obtain the relevant account and transaction data and send it to them, and you will then be able to view this information on the AISPs website/app.

Your consent will be valid for 90 days, which means after this time we will not provide your chosen AISP with any further information regarding your U Account unless you provide a new consent. You can also withdraw your consent to us sharing this information with your AISP at any time by contacting them directly or within your U Account login area/mobile app.

Any AISP you use to obtain information regarding your U Account will be acting as controller of that information, which means we will have no control over their use of your personal data. Please ensure you read your chosen AISP’s privacy notice so that you understand how it will use your information.

10. Do we share your personal information with anyone else?

If you have a U Account we will need to share your personal information with Wirecard and GPS who are companies which work together to provide the key processes and functionality of U Account.

When Wirecard uses your personal information to maintain a safeguarding account for the purposes of holding funds for each card, Wirecard will be a controller of your personal information. This is because it will do that in its own name, and it has the sole mandate for that (meaning we have no control over that, and it takes all the decisions in relation to that). You will need to read the privacy notices of Wirecard for more information about how it processes your personal information as a data controller, which you can find here: https://www.wirecard-cardsolutions.co.uk/privacy-policy/#mark_03.

U Account includes the ability to have pre-paid cards and we need Wirecard to provide those cards. Wirecard will be our data processor for this. Its own privacy notices are not relevant to this. Instead our privacy notice applies to this.

GPS processes U Account transactions. For this, it holds account and balance information about our U Account customers, including their name, address, mobile telephone number, email address and all other U Account details. GPS provides an additional transaction monitoring service to us in which we set up flag rules according to certain types of activity, for example activity which might indicate fraud. It does this as our data processor. Its own privacy notices are not relevant to this. Instead our privacy notice applies to this.

In addition, as part of our usual business activities we may share your details with:

Dot Dot Loans customers:

  • debt collection agencies, if your Dot Dot loan falls into arrears, to enable them to contact you (whether in person, by post, email or telephone) and recover the sums owed

U Account customers/applicants:

  • our third-party provider who sends marketing emails on our behalf in relation to our U Account
  • our third-party provider who sends non-marketing service emails on our behalf in relation to your U Account
  • our third-party payment provider who processes BACS, faster payments and direct debit payments on our behalf in relation to your U Account
  • any other payment service provider when necessary in trying to trace a payment paid to the wrong person in relation to your U Account
  • our third-party provider of manual ID and proof of address checks for the cases described above (i.e. U Account applicants who do not pass automated Step 1 and who proceed to a manual Step 2)
  • our third-party provider who holds your personal information on our behalf for its card bureau services relating to your U Account
  • our third-party provider who uses your email address on our behalf to do email fraud checks
  • Mastercard (relevant to transactions using your U Account pre-paid card)
  • Paypoint (relevant to cash deposits using your U Account)

List for all customers/applicants:

  • our market research provider to enable them to conduct customer satisfaction surveys on our behalf to monitor and improve the quality of our product and service offerings (see the table above for more details about what personal information is shared for customer satisfaction surveys)
  • our professional legal, accountancy and other advisors and auditors based in the United Kingdom in order to obtain legal, accountancy and other professional advice
  • our IT service providers based in the United Kingdom that provide network and storage infrastructure and/or software programs and support to us in connection with the operation of our business
  • fraud prevention agencies
  • mail houses to enable them to print and send non-marketing communications to you via post on our behalf
  • our third-party provider of HM Treasury Financial Sanctions list and Politically Exposed Persons list screening services (relevant to U Account and Dot Dot Loans applicants)
  • our third-party provider of identity verification and credit scoring checks (relevant to U Account and Dot Dot Loans applicants)
  • our third-party payment providers to enable us to process debit card transactions or Direct Debits when you make any repayments in relation to a Dot Dot loan, i.e. one of our credit products, by these methods, and to allow us to act as a payment service provider when you make payments using a U Account
  • Where we have received your personal details from a third-party broker of financial products, we will notify them of whether you are eligible to apply for one of our products and whether you have subsequently obtained a product from us. We do not obtain lists of information from brokers for any marketing purpose – this is only about dealing with their referral to us about you as a potential customer.
  • We will disclose your personal data to third parties if we are under a duty to disclose or share your personal data in order to comply with any laws, regulations or good governance obligations, or in order to enforce or to protect their rights, property or safety, or that of our customers or other persons with whom we have a business relationship. These third parties will include (without limitation) the Courts, the Financial Conduct Authority, the Financial Ombudsman Service, the Information Commissioner’s Office, the police, Action Fraud, the National Crime Agency, HMRC, HM Treasury and the Department of Work and Pensions. Our disclosures of your personal information to the Courts, to government departments and to regulatory bodies who have the power to compel that disclosure because of their statutory functions, and to the police in cases where they have obtained a Court order for information from us, will be for compliance with our legal obligations. In all other cases, the disclosures described in this paragraph will be for our legitimate interests in dealing with requests for information from these third parties or for the legitimate interests they have in seeking information from us to perform their own functions.
  • We may share your personal data with others (such as emergency services and law enforcement authorities) where that is necessary to protect your vital interests including to protect you from harm/help to ensure your own safety.
  • In the event that we sell any part(s) of Shelby Finance Ltd or Morses Club PLC (our parent company), we will also disclose your personal data to actual or potential purchasers of parts of its business or assets, and their respective advisers and insurers for our legitimate interest of restructuring our business in that particular way and also for the potential purchaser’s legitimate interests of:
    • enabling potential purchasers to complete due diligence on, and value, the business and/or assets;
    • transferring the personal data in connection with any relevant sale and the transfer of our contractual rights and/or obligations; and
    • the use of such personal data by a purchaser for the operation of its business.

11. Transfers outside the European Economic Area (EEA)

We will not transfer your data out of the European Economic Area (EEA) to any country that has been deemed (by the Information Commissioner’s Office) to have inadequate data protection controls except where we make those transfers lawful under data protection law by using appropriate safeguards such as EU Model Clause contracts (you can contact us for copies or more details) or based on US Privacy Shield. We will always make sure transfers of your personal data outside the EEA by made by ourselves are in accordance with data protection law.

12. For how long does Shelby Finance keep personal information?

If you take out a Dot Dot loan, we will retain your personal data for the period during which any balance remains outstanding and thereafter until the expiry of a period of seven years.

If you take out a U Account, we will retain your personal data for as long as the account remains open. If your account is closed or cancelled, we will keep your personal information for a period of seven years from the date it was closed.

If you apply for one of our products and your application is unsuccessful, your personal data will be held by us for up to 18 months for our legitimate interests of fraud prevention, internal analysis and responding to applicant queries and requests, for example in relation to CRA search information.

If you complete a customer satisfaction survey, your personal data in relation to that survey will be held by us for a period of up to 6 months from the date that you submitted the survey response.

If you raise a complaint or there is a dispute between us, your personal data will be held by us for a period of up to seven years following the resolution of the complaint or dispute.

If you raise a general enquiry with us (which does not involve a complaint or dispute), your personal data in relation to that enquiry will be held by us for a period of up to one month.

When we communicate with you by phone, your call will be recorded. This data will be kept for 6 months.

We will retain your personal data for longer than the periods specified above if required by law, to defend or exercise legal rights (such as defending legal claims) or to comply with regulatory obligations.

13. What rights do I have to my personal data?

It is important to us that you are aware of the rights you have under data protection legislation regarding your own information. As a result, we would like to make you aware of the rights that you have as a data subjects:

Rights in relation to automated decisions making which have a legal effect or other significant effect on you.
You have the right to request that a human reviews the automated decision.

The Right of Access. You may request access to or copies of the personal information that we hold about you (known as a “Data Subject Access Request”) as set out in the “How can I find out what personal information Shelby Finance holds about me?” section below. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right to Rectification. You have the right to have inaccurate information about you corrected. For more information, see the “How can I change the personal information Shelby Finance holds about me?” section below.

The Right to Erasure. You may request that your personal information be deleted where it is no longer necessary for the purposes of which it is being processed and provided there is no other lawful basis for which we may continue to process such personal information. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right to Data Portability. Where you have provided us with your personal information that we process using automated means, you may be entitled to a copy of that personal information in a structured, commonly-used and machine-readable format. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right to Object. In some circumstances, you may, on grounds relating to your situation, object to our processing of your personal information. We will consider any objections to processing on the circumstances relating to each case. This includes, for example, the right to object to your personal information being used for direct marketing by us. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right to Restrict Processing. You may also request that we restrict the processing of your personal information to that to which you have consented or for the establishment, exercise or defense of legal claims or the protection of the rights of another person:

  • whilst we verify your data as set out in “The Right to Rectification” above;
  • pending verification of our legitimate grounds for processing your personal information. This is relevant, for example, if we rely on legitimate interests, after giving you an opt-out opportunity, as our lawful reason for using your personal information for direct marketing; or
  • if the processing is unlawful or no longer necessary but you wish for us to retain your personal information for the purposes of establishing, exercising or defending legal claims.

If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

You have the right to withdraw consent. This is only relevant when we rely on consent as our reason to process your personal information. If you would like to exercise this right against Shelby Finance please contact us (as set out in the “Our Contact Details” section below).

You have the right to complain to the Information Commissioner’s Office and you can find more information about this at: https://ico.org.uk/

As mentioned in Section 6 you also have the right to ask for a person to review an automated decision taken about you during the application process.

14. How can I find out what personal information Shelby Finance holds about me?

Your right to access, as detailed above, or to obtain copies of your personal information may extend to (but is not limited to) some or all of the following items below.

  • Copy of your Agreement
  • Your application details
  • Your payment history with us
  • Statement of account
  • Account notes
  • Any charges applied to your account
  • Telephone calls recorded for quality and training purposes

We will endeavor to fulfill your request within one month of receiving the request, though this timescale may be extended if your request is particularly large or complex.

A Data Subject Access Request is free, however, where a request is manifestly unfounded or excessive, we may require a reasonable administrative fee or refuse to act on the request. This will be based on the true administrative cost and will be discussed with the requester on application.

You can make a Data Subject Access Request or exercise your other rights by contacting us (as set out in the “Our Contact Details” section below).

15. How can I change the personal information Shelby Finance holds about me?

Please tell us if your personal information, including contact details or address, change at any time so that we can update our records. If some of the information we hold about you is inaccurate (for instance because you have changed your marital status or name, moved address, or changed your telephone number or email address) or incomplete, please contact us (as set out in the “Our Contact Details” section below. We will take steps to seek to correct or update any information if we are satisfied that the information we hold is inaccurate or incomplete. In certain circumstances, you may also request that we restrict our processing.

16. How can I manage how Shelby Finance contacts me for marketing purposes?

We usually capture your marketing preferences when you submit your name and contact details through our websites, or when you apply for a Dot Dot loan or a U Account, or when we write to you.

We may contact you by post, SMS, telephone or email for marketing purposes. In addition, we may place marketing messages about our own products and services in banners or pop-ups on our websites or on the U Account mobile app. You might see these after you have logged in as a customer – unless you have opted-out of our marketing.

To change your marketing preferences, you can contact us using our contact details (set out in our Contact Us page below). We will process your request within a reasonable period.

Any marketing communication by email or SMS which are from us will also include details of how you may unsubscribe.

17. How do we protect the security of your personal information?

We are serious about guarding the security of your personal information and the details of any transactions or applications made. We keep your information confidential by using systems that store and transfer your data under strict security controls. We ensure your data is only accessed by appropriate personnel that have a justified reason to see your data. We also ensure that our systems and software are kept up to date and perform well to allow you to access your data when you need to. The systems and controls we have in place also help us protect against unauthorised or unlawful processing, accidental loss, destruction of, or damage to, your personal information.

18. How do you obtain copies of our Privacy Notice?

If you require a printed copy of this Privacy Notice or a copy in another format such as audio or Braille, then please contact us using the contact page.

19. Our contact details

For Dot Dot Loans, you can contact us by phone on 0333 240 6215, by email at customerservices@dotdotloans.co.uk, or by writing to us at Dot Dot Loans, Kingston House, Centre 27 Business Park, Birstall, Batley, WF17 9TD. Alternatively, you can reach us via our Data Protection Officer (contact details as per Section 1).

For U, you can email us at info@uaccount.uk or write to us at Electric Works, Sheffield Digital Campus, Sheffield, S1 2BJ. Alternatively, you can reach us via our Data Protection Officer (contact details as per Section 1).

Last updated: 03/05/2020

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