SterlingStore.co.uk PRIVACY NOTICE
Last Reviewed February 10, 2023
1. Introduction
Welcome to SterlingStore.co.uk's privacy notice.
SterlingStore.co.uk is a website owned and operated by SterlingStore.co.uk, a company organised under the lawsof England and Wales.
SterlingStore.co.uk respects your privacy and is committed to protecting your personal data. This privacy noticewill inform you as to how we look after your personal data when you visit our website (regardless of where youvisit it from) and tell you about your privacy rights and how the law protects you.
2. Important information and who we are
Purpose of this privacy notice
This privacy notice gives you information on how SterlingStore.co.uk collects and processes your personal datathrough your use of this website, including any data you may provide through this website when you requestan offer of credit from our trusted third party partners.
This website is not intended for children, and we do not knowingly collect data relating to children.
Controller
SterlingStore.co.uk Limited is the controller and responsible for your personal data (collectively referredto as "we", "us" or "our" in this privacy notice).
We have appointed a data protection officer (DPO) who is responsible for overseeing questionsin relation to this privacy notice. If you have any questions about this privacy notice,including any requests to exercise your legal rights, please contact the DPO using the detailsset out below.
Our full details are:
The Contract Shop t/a Lawpoint.
378 Charminster Road, Bournemouth, Dorset, BH8 9SA.
e-mail address: [email protected]
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO),the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approachthe ICO so please contact us in the first instance.
Changes to the privacy notice and your duty toinform us of changes
This version was last updated on 8th December 2022.
It is important that the personal data we hold about you is accurate and current. Please keep us informedif your personal data changes during your relationship with us.
Third-party links
This website may include links to third-party websites, plug-ins and applications. Clicking on those linksor enabling those connections may allow third parties to collect or share data about you.We do not control these third-party websites and are not responsible for their privacy notices.When you leave our website, we encourage you to read the privacy notice of every website you visit.
The data we collect about you
Personal data, or personal information, means any information about an individual from which that person can be identified.It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which wehave grouped together as follows:
- Identity Data includes first name, last name, marital status,number of dependents, title, date of birth and gender.
- Contact Data includes address, email address and telephone numbers.
- Financial Data includes bank account and payment card details, employer name and industry,time at employer, net monthly income (which may include details of any benefits you receive),pay frequency, pay dates, and expenses details.
- Transaction Data includes details about your requests for offers of credit from ourtrusted third party partners.
- Technical Data includes internet protocol (IP) address, browser type and version,time zone setting and location, browser plug-in types and versions, operating system and platform andother technology on the devices you use to access this website.
- Profile Data includes your requests for offers of credit from our trusted third party partners,preferences and feedback.
- Usage Data includes information about how you use our website, products and services.We also collect, use and shareAggregated Data such as statistical or demographic data for any purpose.Aggregated Data may be derived from your personal data, but is not considered personal datain law as this data does not directly or indirectly reveal your identity.For example, we may aggregate your Usage Data to calculate the percentage of users accessinga specific website feature. However, if we combine or connect Aggregated Data with your personaldata so that it can directly or indirectly identify you, we treat the combined data as personaldata which will be used in accordance with this privacy notice.
We do not collect any Special Categories of Personal Data about you (this includes detailsabout your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation,political opinions, trade union membership, information about your health and genetic and biometric data).However, we do recognise that details of any benefits you may receive could lead to inferences aboutyour health being made. We do not collect any information about criminal convictions and offences.
If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract wehave with you and you fail to provide that data when requested, we will not be ableto perform the contract we have or are trying to enter into with you (for example,to process a request for an offer of credit from our trusted third party partners).
3. How is your personal data collected?
We use different methods to collect data from and about you including through:
- Direct interactions. You may give us your Identity, Contact and Financial Data byfilling in forms or by corresponding with us by post, phone, email or otherwise.This includes personal data you provide when you:
- Automated technologies or interactions. As you interact with our website,we may automatically collect Technical Data about your equipment, browsing actions and patterns.We collect this personal data by using cookies, server logs and other similar technologies.We may also receive Technical Data about you if you visit other websites employing our cookies.Please see our cookie policy below for further details.
- Third party sources. We may receive personal data about you from various third parties as set out below:
- request marketing to be sent to you;
- give us feedback.
a. analytics providers such as Google based outside the UK;
b. advertising networks based inside and outside the UK; and
c. information processing providers based outside the UK.
Social Media Platforms such as Facebook, Instagram and TikTok, based outside the UK;
- Identity and Contact Data from data brokers or aggregators based inside and outside the UK.
- Trusted affiliate websites, networks and third party partners.
Under data protection laws we are permitted to share some information where the reason for doing sois legitimate and isn’t outweighed by the effects it will have on the relevant individuals.On that basis we may pass your information to Data OD Ltd who may share this information withother third parties.
The data that is shared may be used for analysing, modelling and contact for purposesincluding affordability assessments, anti-money laundering, asset repatriation, contactinformation validation, credit risk and affordability assessments , debt collection services,determining debt portfolio value, fraud prevention services, identity verification services,pre-populating online forms, vulnerability assessments and other related services.If you do not wish for your data to be used this way by Data OD Ltd please opt-out using this link https://dataondemand.co.uk/opt-out/. You can use this link to opt-out at any time after you have shared your data. You can also email[email protected]with any requests about your information. For additional information about how your data is processed by Data OD Ltd, please use this link https://dataondemand.co.uk/personal-data-privacy-notice/
We will only use your personal data when the law allows us to.
Most commonly, we will use your personal data in the following circumstances:- Where we need to perform the contract we are about to enter into or have entered into with you.
- Where it is necessary for our legitimate interests (or those of a third party) and your interestsand fundamental rights do not override those interests.
- Where we need to comply with a legal or regulatory obligation.
Generally we do not rely on consent as a legal basis for processing your personal dataother than in relation to sending third party direct marketing communicationsto you via email or SMS.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data,and which of the legal bases we rely on to do so.We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specificpurpose for which we are using your data.
Purpose/Activity Type of data Lawful basis for processing including basis of legitimate interest To process your requests for offers of credit from our trusted third party partners (a) Identity
(b) Contact
(c) Financial
(d) Transaction
Performance of a contract with you. This will include automated decision-making on the partof our trusted third party partners.
To administer and protect our business and this website (including troubleshooting,data analysis, testing, system maintenance, support, reporting and hosting of data)
(a) Identity
(b) Contact
(c) Technical
(a) Necessary for our legitimate interests (for running our business,provision of administration and IT services, network security, to prevent fraud and inthe context of a business reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure orunderstand the effectiveness of the advertising we serve to you (a) Identity (b) Contact
(c) Profile
(d) Usage
(e) Marketing and Communications
(f) Technical
Necessary for our legitimate interests (to study how customers use our products/services,to develop them, to grow our business and to inform our marketing strategy) To use data analytics to improve our website, products/services, marketing, customer relationships and experiences (a) Technical (b) Usage
Necessary for our legitimate interests (to define types of customers for our products and services,to keep our website updated and relevant, to develop our business and to inform our marketing strategy) Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we thinkyou may want or need, or what may be of interest to you. This is how we decide which products,services and offers may be relevant for you (we call this marketing).
You will receive a respectful amount of marketing communications from us, in relation to the servicesthat we offer. Our lawful basis for this is legitimate interest. .
Cookies Policy
At sterlingstore.co.uk, we use cookies to enhance your browsing experience and topersonalize the content and advertisements we show you. This Cookie Policyexplains what cookies are, how we use them on our website, and how you canmanage them.
A cookie is a small text file that a website saves on your computer ormobile device when you visit the site. It enables the website to rememberyour actions and preferences (such as login, language, font size and otherdisplay preferences) over a period of time, so you don't have to keepre-entering them whenever you come back to the site or browse from one pageto another.
We use the following types of cookies on our website:
- Essential cookies:These are necessary for the website to function and cannot be switched offin our systems. They are usually only set in response to actions made byyou which amount to a request for services, such as setting your privacypreferences, logging in or filling in forms. You can set your browser toblock or alert you about these cookies, but some parts of the site may notwork.
- Performance cookies:These cookies allow us to count visits and traffic sources, so we canmeasure and improve the performance of our site. They help us to knowwhich pages are the most and least popular and see how visitors movearound the site.
- Functionality cookies:These cookies enable the website to provide enhanced functionality andpersonalization. They may be set by us or by third party providers whoseservices we have added to our pages. If you do not allow these cookies,then some or all of these services may not function properly.
- Advertising cookies:These cookies are used to make advertising messages more relevant to youand your interests. They also perform functions like preventing the samead from continuously reappearing, ensuring that ads are properly displayedfor advertisers, and in some cases selecting advertisements that are basedon your interests.
Specifically, we use the following cookies on our website:
- __cfruid:This cookie is set by Cloudflare and is used to identify individualclients behind a shared IP address and apply security settings on aper-client basis.
- _GRECAPTCHA:This cookie is set by Google reCAPTCHA and is used to prevent spam andabuse on our website.
- _ga:This cookie is set by Google Analytics and is used to distinguish uniqueusers by assigning a randomly generated number as a client identifier.
- _gid:This cookie is set by Google Analytics and is used to distinguish uniqueusers by assigning a randomly generated number as a client identifier.
- _gat:This cookie is set by Google Analytics and is used to throttle the requestrate.
You can choose to accept or decline cookies. Most web browsers automaticallyaccept cookies, but you can usually modify your browser setting to declinecookies if you prefer. This may prevent you from taking full advantage ofthe website.
We may update this cookie policy from time to time in order to reflect, forexample, changes to the cookies we use or for other operational, legal orregulatory reasons.
If you have any questions or concerns about our use of cookies, pleasecontact us.
- Direct interactions. You may give us your Identity, Contact and Financial Data byfilling in forms or by corresponding with us by post, phone, email or otherwise.This includes personal data you provide when you: