We may hold information about you as a customer, or as a representative of a business customer. We collect this information in number of ways:
We may hold and use the following information about you:
as well as any other information which we reasonably need to operate your account or make decisions about you (including regulatory decisions). If a debit or credit card provided to us is identified as having been used fraudulently, we will maintain a record of its use for reporting and preventing fraud. We may use your information to:
Your data may be used for other purposes for which you give your permission, or where we are permitted to do so by law, or where it is in the public interest to disclose the information, or is otherwise permitted under the Data Protection Act 1998. The period for which we keep personal information depends on how long we are required to keep it by law (in some cases, the law requires us to keep information for a minimum period) or how we use the information. Unless required by law to keep it, we will keep information no longer than we need to for the purpose for which we collected it. Keeping you in touch We may use your information to contact you by email, SMS, letter, telephone (including voicemail) or other ways about the range of products and services within the Sirchend Services Limited group portfolio. These services include:
Where appropriate, we will ask for your agreement to this, and you can always change your marketing contact preferences at any time by contacting us. Our contact details are mentioned in “Contact Us” section below
When you apply to us to open an account, we will check the following records about you and others:
We will make checks such as: assessing your application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs to manage your account with us. If you are a sole trader or are in a partnership and are making a joint application or tell us that you have a financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until a disassociation is successfully filed with the CRAs to break that link. Information on applications will be sent to CRAs and will be recorded by them. This information may be supplied to other organisations by CRAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to organisations involved in crime and fraud prevention. If you do not make payments that you owe us and we are unable to resolve the outstanding debt with you via our usual debt collection correspondence, we may use CRAS to trace your whereabouts and recover debts. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They may charge you a small statutory fee.
We may transfer your information to other countries outside the UK, including outside the European Economic Area whose data protection laws may not be equivalent to those in the UK. If we do so, we will put in place appropriate measures for the protection of your personal information in such countries.
Information provided through the site is stored on our secure servers or those of any third party we engage to provide our IT platform. Where we have given you, or you have chosen, a password which enables you to access certain parts of our site, you are responsible for keeping the password confidential and must not share it with anyone. You are responsible for any actions carried out using your password save where there has been fraud. Whilst we will have appropriate measures in place to protect personal information you send to the Site, we cannot guarantee the security of the internet, so please refrain from sending us particularly private or sensitive details in free text fields, please only provide such details to the extent that specific data fields are provided.
Under the Data Protection Act 1998, you have the right to make a Subject Access Request, i.e. a right to be told whether we hold your personal information and, subject to certain exceptions, to be provided with a copy of such information. If you would like to make a Subject Access Request, please do so in writing to: Subject Access Request Compliance Officer Lakeside House 1 Furzeground Way Stockley Park Heathrow UB11 1BD Please note that a fee of £15 is payable per each Subject Access Request made.
Our website may contain links to the websites of third parties. If you follow a link to any third-party website, please note that these websites will have their own privacy policies and that we do not accept any responsibility or liability in respect of the same.
Writing: Compliance Officer, sirchend.com, Lakeside House 1 Furzeground Way Stockley Park Heathrow UB11 1BD
Please help us to keep your records up to date by notifying us of any changes to your personal details.
A cookie is a small file stored on your computer or mobile device after visiting a website which is then accessed and used for certain purposes. Cookies store information and help websites ‘remember’ you if you have visited the site before. Most web browsers allow some control of most cookies through the browser settings. More information on cookies and their use can be found at https://ico.org.uk/for-the-public/online/cookies
What cookies are set when I visit https://www.sirchend.com The table below lists all the cookies that might be set by us when you visit our site, together with an explanation of their purpose.
|SL||COOKIE NAME||EXPIRATION TIME||PURPOSE|
|1||_ga||2 years||To distinguish users|
|2||_gat||10 minutes||Used to throttle request rate|