Privacy policy

About this privacy policy

This privacy policy forms part of Noddle’s terms and conditions and will help you to understand how we will use your personal information.

Noddle is committed to the fair and lawful management of personal information. If you have any concerns about the way we are using your information, please contact us.

About us

Noddle is a trading name of Callcredit Consumer Limited, registered in England and Wales with company number 07891157. Our registered office is at One Park Lane, Leeds, West Yorkshire LS3 1EP.

For the purposes of the Data Protection Act 1998, we are a data controller in relation to the information that we collect and hold about you. This means that we are responsible for ensuring that your data is processed fairly and lawfully by us.

We work closely with our group company Callcredit Limited of One Park Lane, Leeds, West Yorkshire LS3 1EP. The information that you provide to us will be shared with Callcredit Limited, and Callcredit Limited provides us with your credit history. In both cases, the information will be used in accordance with this privacy policy. Callcredit Limited is a data controller in relation to the credit records that it holds.

Consent

By registering to use Noddle’s services, you are giving consent to the use of your personal information in accordance with this privacy policy. You also consent to the use of cookies as described in the paragraph headed “Cookies” below.

You can control your preferences about the way in which we and other third parties may make contact with you in the “My Account” section of the website or by contacting us.

Information we collect

We collect the following kinds of information about you:

Information you provide to us

You provide us with certain information when you register on the website. This includes:

  • Your name, address, date of birth, email address and telephone number.
  • Previous address details.
  • Credit or debit card details.
  • We may also ask you to provide documentation such as utility bills or bank statements. This information will only be requested when we need to verify your current address. We store such documentation securely, and it will be destroyed once verification is complete.

Your credit history

We obtain your credit file from our group company Callcredit Limited. This includes information such as:

  • The organisations with whom you have credit accounts and the financial products that you hold with them.
  • Your debts and credit performance history.
  • Other people with whom you are financially associated.
  • The history of searches made against your credit file.
  • Other names by which you are (or have been) known.
  • Disputes and queries that you have raised about your credit file.

How you use the website

We may gather information about how often you and other users access the website, the way in which you navigate around it, and how long you spend on particular pages.

The devices that you use to access the website

We may gather information about the devices that you use to access the website, such as the operating system, hardware, software versions, browser configuration, display size, browser configuration and connection information such as IP addresses.

Other information gathered from your use of the website

When we perform an identity check on you, we will store the results of that check.

How we use that information

We collect information about you for the following purposes:

Verifying your identity

The information you provide on registration will help us to verify your identity so that we know we are providing your credit history to the correct person. We do this by checking the information you give us against external databases such as the electoral roll and your credit file.

Providing you with our services

We will use the information that we hold about you in order to provide you with our services. This includes making your credit file available to you through our website.

We may contact you to communicate with you in connection with our services and to deal with any queries concerning the data that we hold.

Fraud prevention and other legitimate interests

In order to detect or prevent fraud (for example, to ensure that no-one has fraudulently accessed your account or to confirm you have only entered information about yourself), we may use that information to corroborate your details (including using third parties to undertake those checks on our behalf).

Information may also be used, by us or third parties, for credit and risk assessment and management, identification, debt collection and returning assets to you.

Securing and monitoring the relevance of our services

Information about your devices and your use of the website is used to ensure that our service is user-friendly and to help improve the content and user experience of the website. It also allows us to tailor the website to match your interests and preferences better and understand who has visited which pages to determine the most popular areas of the website.

This information is also used for system administration and to generate aggregate non-personalised information for use by our business contacts, selected third parties, sponsors or advertisers (such as anonymous statistics related to the take up or use of services, or to patterns of browsing).

Marketing

We may use your information to provide you with information about goods and services which we think may be of interest to you. This will be provided through the website or – where you have given us permission to do so – by contacting you through the other channels you have selected.

If you change your mind about being contacted through those other channels, you can adjust the settings in the “My Account” section of the website or (in the case of email) by clicking the “unsubscribe” link. Please note that you will continue to receive service messages and (unless you unsubscribe from it separately) our regular newsletter.

Combining data

The information you give us may be combined with other information about you that is obtained from other sources. The combination is usually undertaken with a view to enhancing an existing database with more information. For example:

  • If you are already a customer of a third party, that third party might wish to add an e-mail address you give us to the customer records that it holds about you, and use that email address to maintain their relationship with you and/or to offer you goods and services that are similar to those you have previously purchased.
  • The information you give us may be compared with data available elsewhere to verify your identity or validate the information you have provided (for example in the context of anti-fraud measures).
  • Anonymised information about you may be combined with information about your devices (or cookies deployed on your devices) to improve the relevance of advertising material on websites you visit.

Who we share information with

Our suppliers

We may share your personal information with our agents, sub-contractors and third party processing companies for the purposes of:

  • providing our services to you;
  • market research;
  • analytical and statistical purposes.

The provider of your credit history

We may share your personal information with our group company Callcredit Limited and its employees and agents in order to obtain and provide you with your credit report.

Product comparison services provider

We use a third party supplier (currently TotallyMoney Limited) to provide our product comparison services, which help you select products which are relevant to you.

If you request the product comparison services, we will supply TotallyMoney with information that you have entered into our website. TotallyMoney use third parties (HD Decisions and lenders) to process this information in accordance with our instructions for the purpose of generating a view of how likely you are to be accepted for any particular product, and they may use other third parties to send you your product comparison results by email.

Credit providers, and credit reference agencies (which includes Experian and/or Callcredit), analyse key elements of your credit file, including the electoral roll and shared credit performance data, in order to determine your current financial standing. If you have a financial associate, their data may also be used. The analysis of your credit file will be used by the third party to identify and rank product offers in order of appropriateness for your circumstances (however, this does not guarantee that there will be appropriate product offers available to you). You will then have the opportunity to apply for the product directly with the credit provider. It is important to note that there may be other products available from lenders who are not represented by this service. If you elect to commence the application process for a particular lender from the offers displayed to you, TotallyMoney may also pass the information you have entered into our website to the lender so that they can pre-populate their product application form.

When information about you is requested from a credit reference agency for the purposes of the product comparison services, it will place a search of the request on your credit file, whether or not you decide to apply for the product. This will be marked as a “quotation” search in the name of Totallymoney.com, Noddle.co.uk and/or the lender, and will not affect your ability to gain credit. Credit reference agencies may also use the information for statistical purposes, or supply it to other organisations such as fraud prevention agencies who may use it for checking identity, preventing fraud, tracing and the collection of debt. In some cases your information may be shared with lenders to check whether you are an existing customer, which may affect whether you are eligible for the lenders’ other products.

If you choose to proceed to apply for a product from the list of offers, the supplier you choose will carry out its own identification and credit checks as part of its ordinar application process. Your credit file will not be provided to any third party credit provider at any point during this process (unless you subsequently agree).

To see TotallyMoney’s Terms and Conditions, click here. To see TotallyMoney’s Privacy Policy, click here.

Fraud prevention, law enforcement agencies and other non-marketing users

We may share your personal information, or any suspected fraud relating to you, with the police and other law enforcement agencies as well as organisations such as fraud prevention agencies and other financial services providers, insurance providers and credit and debt collection agencies for assessing creditworthiness, for the prevention of identity fraud and money laundering, and returning assets to you. This information might be used, for example, in order to check details on applications for credit or other facilities; managing credit accounts or other facilities; recovering debt; checking details on proposals and insurance claims; and checking details of job applicants and employees.

The personal information you provide (including your email and internet protocol (IP) addresses) may also be copied, stored, used and licensed to enable Callcredit group companies to provide services to their clients to assist with identity verification, prevention of fraud and money laundering, service delivery and process implementation. Your email and IP addresses will not be used to initiate contact with you for direct marketing purposes.

The results of your identity check may also be disclosed to authorised third parties through credit referencing, fraud prevention, risk assessment and identification products.

Please email us at contact@noddle.co.uk if you want to receive details of the relevant fraud prevention agencies.

Third party marketers

We may share your personal information with third party organisations for marketing purposes and relationship management. These types of organisation will fall into the following categories:

Sector
Description and examples
Retail
  • Online retail
  • General stores
  • Automotive (including dealerships and accessories)
  • Property
  • Home furnishings
  • Home improvement
  • Fashion and clothing
  • Telecoms and utilities
Finance
  • Pensions
  • Loans, credit cards and mortgages
  • Investments & savings
Insurance
  • Home
  • Car
  • Travel
  • Pet
  • Personal
  • Other insurances
Travel
  • Holidays
  • Hotel
  • Airlines
  • Travel booking
Lifestyle
  • Health & Well-being
  • Fitness
  • Charities
  • Media & publishing companies
  • Leisure
  • Gaming
  • Legal Services
  • Educational institutions

The main uses to which these third parties put your data are to provide you with information about goods and services which they think may be of interest to you and/or to maintain any existing relationship they may have with you. Such information may be provided by marketing communications or advertising which is tailored to your interests.

If you tick any of the boxes inviting you to give your consent to being contacted by third parties, those third parties may contact you by the channels which you have ticked. So, for example, if you tick the post and e-mail boxes, that means that third parties falling in the categories listed above can contact you via post and e-mail but not by the other channels. If you opt in to telephone calls you are consenting to receiving live calls and recorded calls.

Once you have given your consent, you can still control whether or not you continue to receive communications or see such advertisements from third parties. In addition to changing your settings in the “My Account” section of the website or by contacting us, the following methods of control are available:

Post

You can withdraw your consent for postal marketing from anyone by adding your details to the Mail Preference Service. For more details please go to www.mpsonline.org.uk.

E-mail or SMS (text message)

You can unsubscribe from receiving e-mail or SMS marketing communications from any individual third party by using the instructions in any email communication such third party sends you (usually an ‘unsubscribe’ or ‘STOP’ link).

Telephone calls

To withdraw your consent for live or automated calls from anyone you can add your name to the Telephone Preference Service which is maintained at this website address: www.tpsonline.org.uk.

Social media and online

You can configure your advertising preferences on social media such as Facebook, Twitter, Instagram or Pinterest by accessing your settings or preference options on the relevant platform.

If you no longer want to receive personalized advertising on any website you visit, you can usually opt out directly through the privacy policy of the particular website you are accessing. Please note that this will not block ads that are displayed on the websites you visit, it will simply stop you receiving advertising that has been tailored to your interests. This opt-out relies on a cookie, so if you wipe all your cookies then that website will no longer know that you have opted out. The same applies if you use a different internet browser, or use a new computer to access the internet. You can also opt out of such advertising by visiting the IAB opt-out platform at www.youronlinechoices.com. Please note that this and other platforms allow you to opt out of interest-based advertising delivered by registered members.

Other disclosures

We may also share your personal information with:

  • anyone who takes over the operation of the website or who buys our business or assets (or the part of our business which involves the use of your personal information);
  • any other third parties where we are required to do so by law.

We may share anonymised information relating to you with third parties for any other purposes, but only where that information cannot realistically be identified as relating to you.

Cookies

Our website uses a variety of cookies, which are listed in the table set out below.

A cookie is a small file of letters and numbers that we put on your computer. These cookies allow us to distinguish you from other users of our website, which helps us to provide you with a better experience when you browse our website, and also allows us to improve our site. The cookies we use allow us to recognise and count the number of visitors and to see how visitors move around the sites when they are using them. This helps us to improve the way our website works, for example by ensuring that users are finding what they are looking for easily. Our cookies are not used to collect personally identifiable information about you.

Most web browsers allow some control of most cookies through the browser settings. For more information on this, and more information about cookies in general, you may wish to visit www.aboutcookies.org. For information about how to delete cookies from your mobile phone you will need to refer to your handset manual.

Please be aware that restricting cookies is likely to affect your ability to use our website and may make areas of our website inaccessible or inoperable.

Name
Purpose
More Information
_utma, _utmb, _utmc, _utmz

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they have visited.

source

This cookie is used for the user session to work correctly.

source-params

This cookie holds additional information passed to Noddle from a third party for use on the site, for example to pre-fill the sign-up form.

guest_id, original_referer

This is a Twitter widget. Widgets let you display Twitter updates on your website or social network page.

__stid

These cookies are used to provide the service that allows you to share certain articles on the site with friends/colleagues via various social networks.

__uset (Sharethis)

These cookies are used to provide the service that allows you to share certain articles on the site with friends/colleagues via various social networks.

C1, C2, __RequestVerificationToken*

These cookies are essential for the operation of our website and are used to verify a visitor’s identity in order to prevent fraud.

SessionSettings

This cookie stores user preferences & configuration information for the Noddle website. The cookie will expire when the user closes their browser.

bt3, btv3, btpdb, btps

Third-party cookies used to collect information about how visitors use our site. They collect information in an anonymous form for the purposes of marketing.

Our security measures

We are aware of the importance of safeguarding the information under our control and endeavour to take all reasonable steps to protect it. All data collected through the website is stored on secure servers, and we have stringent security and confidentiality procedures covering the storage and disclosure of such information in accordance with the Data Protection Act 1998.

However, providing information and transacting over the internet has inherent security risks, and we cannot be held responsible for any breach of security which is outside our reasonable control or not due to our negligence or wilful default.

How to access your information

You can see some of the information that we hold about you by visiting the “My Account” section of the website.

You have the right to obtain a copy of all of the personal data that we keep about you. To obtain this, you will need to send us a written request. We may need to verify your identity and may charge a fee before we comply with the request.

If you are concerned that any of the personal information we hold on you is incorrect, please contact us.

How to update your details and change your preferences

If you wish to change any of your contact preferences, or change your consent to the use or sharing of your personal information, please visit the “My Account” section of the website or contact us.

Third party websites

Some websites that have links to and from our website may collect personal information about you when you access or use those links. They might also use their own cookies. We do not control those websites, and their practices are not covered by this privacy policy.

Changes to this policy

We may modify this privacy policy from time to time. When we do so, we will post a revised version of it on the website and, where appropriate, we will email you to inform you of the changes.

Updated versions will be effective immediately when they are posted. We encourage you to check the privacy policy regularly to obtain the most up to date copy.

How to contact us

If you have any comments or queries about this privacy policy, please email us at contact@noddle.co.uk.

Last updated October 2017