- Types of personal data we collect from you and its use
- Providing your personal data
- Monitoring of communications and activities
- The legal basis and purposes using your personal data
- Sharing your personal data
- How we store, process and secure your personal data
- Data retention policy
- Your rights
- Credit reference checks
StrideUp is the trading name of StrideUp Homes Limited (registered companynumber 09981525). We are StrideUp, the ‘data controller’ and we’re responsiblefor deciding how we can use your information.
Please read the following carefully and if you have any questions, please contactus using the contact details provided below.
Types of personal data we collect from you and its use
Whether or not you become a customer with us, we will use your personal data for the reasons set out below and if you become a customer we will use it to manage the product or service you’ve applied for. We will collect most of the information directly through the application process, but some may be collected indirectly as mentioned below.
The personal data we may use may include:
- Full name and personal details including contact information (address history including current address, email address and home and mobile telephone numbers);
- Date of birth and/or age (for product eligibility purposes);
- Financial details (different forms of income and details of accounts with other providers);
- Information from Credit reference and fraud prevention agencies, electoral roll, court records of debt judgements and bankruptcies and other publicly available sources as well as information on any financial associates that you may have;
- Family, lifestyle and social circumstances relevant to the product and services;
- Education and employment details and status (where appropriate);
- Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
- Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number. We use this information to analyse trends, to administer our site, to track user’s movement around our site and to gather demographic information about our customer base as a whole.
Providing your personal data
We will tell you if providing some personal data is optional, including if we ask for your consent to process it. In all other cases you must provide your personal data, so we can process your information.
Monitoring of communications and activities
We will monitor and record all forms of communications in your dealings with us subject to applicable laws. We do this for:
- regulatory and business compliance
- crime prevention and detection
- protection of the security measures around communication systems and procedures
- checking for obscene and profane content
- quality control and staff training
- statement verification
We may also monitor activities in your account where necessary for the above reasons.
The legal basis and purposes using your personal data
- Contract: We will process your personal data as needed to perform our contract with you for the relevant product and service. This is in order to take steps at your request before entering into it, decide whether to enter into it, manage and perform that contract, update our records and contact you about your account and recovering debt.
- Legitimate interests: We will process your personal data as needed for our own legitimate business interests or those of other persons and organisations. For example, to ensure that content from our site is presented in the most effective manner for you, search at credit reference agencies if you’re above 18, monitoring all forms of communications in our dealings with you and activities in your account, market research and analysis and send marketing communications.
- Legal Obligations: We will process your personal data as needed to comply with legal obligations. This could be for compliance with legal and regulatory requirements and related disclosures, when you exercise your rights under data protection law and make requests, establishment and defence of legal rights, activities in relation to prevention, detention and investigation of crime, to verify ID and perform credit, fraud and anti-money laundering checks and monitoring all forms of communications in our dealings with you and activities in your account.
- Consent: We will process your personal data based on your consent when you request us to disclose your personal data to other people or organisations such as not-for-profit organisations assisting with debt on your behalf or otherwise agree to disclosures. This could also be when we process any special categories of personal data about you at your request and to send you marketing communications where we have asked for our consent to do so. Please note, you’re free to change your mind anytime and withdraw your consent.
How we store, process and secure your personal data
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
We follow generally accepted standards to protect the personal data submitted to us, both during transmission and once we receive it. Unfortunately, the transmission of information via the internet or method of electronic storage is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee its absolute security. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Data retention policy
We will keep your personal data for as long as you have a relationship with us. After it ends we will keep it where it may be needed for our legitimate purposes e.g. to help us respond to queries or complaints, or for other reasons such as fighting fraud and financial crime, and responding to requests from regulators.
You have a number of rights relating to your information e.g. to see what we hold, to ask us to share it with another party, ask us to update incorrect or incomplete details, to object to or restrict processing of it, to make a complaint etc.
More specifically, your rights are as follows:
- The rights to be informed about our processing of your personal data.
- The right to have your personal data corrected if it is inaccurate and to have incomplete personal data completed.
- The right to object to processing of your personal data.
- The right to restrict processing of your personal data.
- The right to have your personal data erased (the “right to be forgotten”).
- The right to request access to your personal data and information about how we process it.
- The right to move, copy or transfer your personal data (the “data portability”).
You can correct, change or delete your information in your member account setting page. You can stop receiving our newsletters or marketing emails by following the unsubscribe instructions included in these emails or accessing the email preferences in your account settings page. Alternatively, or to access any of the other above rights, you can email us at firstname.lastname@example.org or by contacting us by telephone or postal mail at the contact information listed below.
You also have the right to complain to the Information Commissioners Office (www.ico.org.uk), the UK independent authority set up to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals.
Credit reference checks
In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies. This entails passing your personal data to the credit reference agencies and they will give us credit and ID information about you. When we carry out a search at the credit reference agencies, they will place a footprint on your credit file. A credit search may either be:
- a quotation search where a soft footprint is left, and this has no impact on your credit score and furthermore, lenders are unable to see this; or
- a hard footprint where you have agreed/requested us to proceed with your application. This footprint will be viewable by other lenders and may affect your ability to get credit elsewhere.
We will also continue to share your personal information with credit reference agencies whilst you have a relationship with us. The credit reference agencies may in turn share your personal information with other organisations. Details about your application (whether or not it is successful) will be recorded and we will give details of your account and how you manage it to credit reference agencies. If you do not repay any debt in full or on time, they will record the outstanding debt and supply this information to other performing similar checks, to trace your whereabouts and to recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. A financial association link between joint applicants will be created at the credit reference agencies. This will link your financial records and be taken into account in future applications by either or both of you until either of you apply for a notice of disassociation with the credit reference agencies. The identities of the credit reference, and the ways in which they use and share personal information is explained via the Credit reference Agency Information Notice (CRAIN) document which can be accessed via any of the following links: