Cookies & Privacy Policy

1. Introduction

This privacy notice lets you know what happens to any personal data that you give to us, or any that we may collect from or about you. It applies to all products and services, and instances where we collect your personal data.

This privacy notice applies to personal information processed by or on behalf of Ty UK Ltd.

2. Changes to this privacy notice

We may change this privacy notice from time to time to ensure we are keeping your data safe and are fully compliant to reflect any changes in the law and/or our privacy practices. We encourage you to ask for this privacy notice so you can check for any changes whenever you place an order.

3. Ty UK Ltd and our Data Protection Officer

We are Ty UK Ltd, Swallow House, Robinson Way, Portsmouth, PO3 5SA. We are a data controller of your personal data. We have a designated data protection officer (“DPO”). You can contact the DPO using the details below.

4. Personal information about you that we may process

Personal information that we’ll process in connection with all of our products and services, if relevant, includes:

• Personal and contact details, such as title, full name, contact details and contact details history
• Your date of birth, gender and/or age
• Your nationality, if needed for the product or service
• Details of beneficiaries, such as joint business owners
• Records of your contact with us if you get in touch with us
• Previous orders you have places with us, as well as have been interested in and the associated payment methods used
• Any call outs to our Sales Reps and claims and whether those claims were resolved (and details related to this)
• Marketing to you and analyzing data, including history of those communications and information about products or services we think you may be interested in. We may analyze data to help target offers to you that we think are of interest or relevance to you. Offers may include products, sales, promotions and services.
• Personal information which we obtain from Credit Reference Agencies including public (for example, defaults, CCJs) and shared credit history, financial situation and financial history.
• Information about your property, such as location, property type.
• Financial details about you, such as details of your expenditure, and payment method(s).
• Information about your employment status, if relevant.
• Your residency and/or citizenship status, if relevant, such as your nationality, your length of residency in the UK and/or whether you have the permanent right to reside in UK
• Where relevant, information about any guarantor which you provide in any application

5. What is the source of your personal information?

We’ll collect personal information from the following general sources:

• From you directly, and any information from family members, associates or beneficiaries of products and services
• Information generated about you when you use our products and services
• Business partners (for example, financial services institutions, insurers), account beneficiaries, or others who are a part of providing your products and services or operating our business
• From other sources such as Fraud Prevention Agencies, Credit Reference Agencies, other lenders, HMRC, DWP, publicly available directories and information (for example, telephone directory, social media, internet, news articles), debt recovery and/or tracing agents, other organizations to assist in prevention and detection of crime, police and law enforcement agencies
• Cookiies - "Cookies" are used to track various information on our B2B site.
• Google Analytics: These cookies are used to collect information about how visitors use our website. We use the information to compile reports and to improve the website. The cookies collect information in an anonymous form, including the number of visitors to the website, who came to the website and the pages you visited.
• Our B2B website uses cookies and these are detailed below:
  • PHPSESSID (InterSell)
  • acceptCookieCookie (InterSell)
  • disableNonEssentialCookies (InterSell)

All of these are essential for the sites use.  Here is some more information about them:

6. What do we use your personal data for?

We use your personal data, including any of the personal data listed in section 4 above, for the following purposes:

• Assessing an application for a product or service, including considering whether or not to offer you the product or service, the price, the risk of doing so, availability of payment method and the terms
• Managing the product or service you have with us
• Updating your records, tracing your whereabouts and recovering debt
• Managing any aspect of the product or service
• To make automated decisions on whether to offer you a product or service, or the price, payment method, risk or terms of it
• To perform and/or test the performance of, our products, services and internal processes
• To improve the operation of our business
• To follow guidance and best practice under the change to rules of governmental and regulatory bodies
• For management and auditing of our business operations including accounting
• To carry out checks at Credit Reference and Fraud Prevention Agencies pre-application, at application, and periodically after that
• To monitor and to keep records of our communications with you and our staff
• To administer our good governance requirements such as internal reporting and compliance obligations or administration required
• For market research and analysis and developing statistics
• To develop new products and services and to review and improve current products and services
• To comply with legal and regulatory obligations, requirements and guidance

7. What are the legal grounds for our processing of your personal information (including when we share it with others)?

We rely on the following legal basis’ to use your personal data:

Where it is needed to provide you with our products or services, such as:

1. Assessing an application for a product or service you hold with us, including consider whether or not to offer you the product, the price, the payment methods available and the conditions to attach
2. Managing products and services you hold with us, or an application for one
3. Updating your records, tracing your whereabouts to contact you about your account and doing this for recovering debt (where appropriate)
4. All stages and activities relevant to managing the product or service including enquiry, application, administration and management of accounts
5. To carry out searches at Credit Reference Agencies pre-application, at the application stage, and periodically after that

Where it is in our legitimate interests to do so, such as:

1. Managing your products and services relating to that, updating your records, tracing your whereabouts to contact you about your account and doing this for recovering debt (where appropriate)
2. To perform and/or test the performance of, our products, services and internal processes
3. To follow guidance and recommended best practice of government and regulatory bodies
4. For management and audit of our business operations including accounting
5. To carry out monitoring and to keep records of our communications with you and our staff
6. Where we need to share your personal information with people or organizations in order to run our business or comply with any legal and/or regulatory obligations

To comply with our legal obligations

With your consent or explicit consent:

1. For some direct marketing communications

8. When do we share your personal information with other organizations?

We may share information with the following third parties for the purposes listed above:

1. Ty UK Ltd service providers
2. Business partners (for example, financial services institutions, insurers), account beneficiaries, or others who are a part of providing your products and services or operating our business
3. Governmental and regulatory bodies such as HMRC, the Financial Conduct Authority, the Prudential Regulation Authority, the Ombudsman, the Information Commissioner’s Office and under the Financial Services Compensation Scheme
4. Other organizations and businesses who provide services to us such as back up and server hosting providers, IT software and maintenance providers, document storage providers and suppliers of other back office functions
5. Credit Reference and Fraud Prevention Agencies

9. How and when can you withdraw your consent?

Where we’re relying upon your consent to process personal data, you can withdraw this at any time by contacting us using the details below.

10. Is your personal information transferred outside the UK or the EEA?

We’re based in the UK but sometimes your personal information may be transferred outside the European Economic Area. If we do so we’ll make sure that suitable safeguards are in place, for example by using approved contractual agreements, unless certain exceptions apply.

11. How do we share your information with credit reference agencies?

To process your application for a credit account, we’ll perform credit and identity checks on you with one or more credit reference agencies (CRAs). To do this we’ll supply the business information you provide to CRAs and they will give us information about your business.

• We’ll use this information to:
• Assess your creditworthiness and risk rating as to whether you can afford to take the product
• Verify the accuracy of the data you have provided to us
• Manage your account(s)
• Assess payment methods available to you
• Trace and recover debts

12. What should you do if your personal information changes?

You should tell us immediately by contacting our customer service team so that we can update our records.

13. Do you have to provide your personal information to us?

We’re unable to provide you with our products or services if you do not provide certain information to us. In cases where providing some personal information is optional, we’ll make this clear.

14. Do we do any monitoring involving processing of your personal information?

In this section monitoring means any: listening to, recording of, viewing of, intercepting of, or taking and keeping records (as the case may be) of calls, email, text messages, social media messages, in person (face to face) meetings and other communications.

We may monitor where permitted by law and we’ll do this where the law requires it, or to comply with regulatory rules, to prevent or detect crime, in the interests of protecting the security of our communications systems and procedures and for quality control and staff training purposes. This information may be shared for the purposes described above.

15. What about other automated decision making?

We sometimes make decisions about you using only technology, where none of our employees or any other individuals have been involved. For instance, we may do this to decide: whether to offer you a product or service, to determine the risk of doing so, the price we will offer, whether to offer you credit, what terms and conditions to offer you, or to assess what payment methods we can offer you.

We’ll do this where it is necessary for entering into or performing the relevant contract, is authorized by laws that apply to us, or is based on your explicit consent.

16. For how long is your personal information retained by us?

Unless we explain otherwise to you, we’ll hold your personal information based on the following criteria:

For as long as we have reasonable business needs, such as managing our relationship with you and managing our operations

For as long as we provide goods and/or services to you and then for as long as someone could bring a claim against us; and/or

Retention periods in line with legal and regulatory requirements or guidance.

17. What are your rights under data protection laws?

Here is a list of the rights that all individuals have under data protection laws. They don’t apply in all circumstances. If you wish to use any of them, we’ll explain at that time if they are engaged or not. The right of data portability is only relevant from May 2018.

• The right to be informed about the processing of your personal information
• The right to have your personal information corrected if it is inaccurate and to have incomplete personal information completed
• The right to object to processing of your personal information
• The right to restrict processing of your personal information
• The right to have your personal information erased (the “right to be forgotten”)
• The right to request access to your personal information and to obtain information about how we process it
• The right to move, copy or transfer your personal information (“data portability”)
• Rights in relation to automated decision making which has a legal effect or otherwise significantly affects you
• You have the right to complain to the Information Commissioner’s Office which enforces data protection laws: https://ico.org.uk/. You can contact us using the details below

18. Your right to object

You have the right to object to certain purposes for processing or to data processed for direct marketing purposes and to data processed for certain reasons based on our legitimate interests. You can contact us by using the details below.

19. Your marketing preferences and contacting us

We may use your home address, phone numbers and/or email address to contact you according to your marketing preferences.

If you have any questions about this privacy notice, if you wish to exercise your rights, speak to the DPO or amend your marketing preferences, please email: [email protected] or writing to us at Ty UK Ltd, Swallow House, Robinson Way, Portsmouth, PO3 5SA and marking it for the attention of “The DPO”.