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Company Information:

  • Creditor - Morses Club PLC, authorised and regulated by the Financial Conduct Authority
  • Registered in England
  • Registered Company Number 06793980
  • Registered Address: Morses Club PLC. Kingston House, Centre 27 Business Park, Birstall, Batley WF17 9TD

Data Protection Officer

  • Email: DPO@Morsesclub.com
  • Telephone: 0330 0450749

Terms and conditions of use

Introduction

This website is operated and provided by Morses Club PLC(“we”, “us”, “our”). Our company registration number is 06793980.

By using our website, you agree to all of the terms and conditions as set out below (“Terms of Use”) which will govern your use of our website.

These Terms of Use are effective from 10/04/2017. We may change these Terms of Use from time to time by updating this page. We will not necessarily bring changes or updates to your attention so please revisit this page periodically to re-read these Terms of Use and to ensure you are aware of any changes. Your use of the website after a change has been made constitutes your acceptance of the amended Terms of Use.

How to Contact Us

If you have any queries regarding the website or any of the information or materials contained on or in it, or about any part of these Terms of Use, you can contact us.

Using the website

These Terms of Use set out the basic rules that govern your use of the website to make contact with us, to read about the products or services offered by us, including our loans and related services (“Products”) and for all other purposes as may be relevant to your use of the website from time to time.

The website content is intended to be advisory only. In the terms and conditions of your loan agreement (including if you apply to enter into one with us) you will see separate terms and conditions. These do not govern your use of our website.

Terms of Use

  • 1. Intellectual Property
    • 1.1 We are the owner or the licensee of all copyright, design rights, database rights, trademarks and other intellectual property rights in the website, and in the material published on it. Your use of the website grants no rights to you in relation to our intellectual property rights or the intellectual property rights of third parties. All such rights not expressly granted are reserved.
    • 1.2 If you are using the website and have access to a printer then permission is hereby granted to electronically copy and to print in hard copy portions of the content of the website for the sole purpose of your own personal use of this as an information resource for our Products, provided any copy which you make retains all copyright and other proprietary notices. Any other use of materials on the website, including reproduction for purposes other than the above, modification, distribution or republication without our prior written consent is prohibited.
    • 1.3 If you print, copy or download any part of the content on the website in breach of these Terms of Use, we reserve the right to suspend or terminate your use of the website immediately and you must, at our option, return or destroy any copies of the materials you have made.
    • 1.4 Any infringement of our rights or those of our service and technology providers or group companies may result in appropriate legal action being taken against you.
    • 1.5 Brand names and trademarks included in the content of the news sections or blogs may be protected by third parties and rights are subject to the ownership rights of the owner.
  • 2. Privacy
    • 2.1 These Terms of Use refer to our Website Privacy Notice which also applies to your use of our website. Our Privacy Notice sets out the terms on which we process any personal information that we collect from you, or that you provide to us. By using our website you are agreeing to the use of your personal information as set out in our privacy notice and you warrant that all personal information provided by you is accurate.
  • 3. Access
    • 3.1 We do not guarantee that our website, or any content on it, will always be available or uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
  • 4. Links to Third Party websites and Restrictions
    • 4.1 The use of third party websites is entirely at your own risk. Links contained in the website are provided for information only and will lead to other websites which may not be under our control, and we do not make any representation as to the accuracy, completeness, timeliness or suitability of information on those other websites and we accept no liability for the content of any linked site or any link contained in a linked site. Links provided on the website are provided to you only for convenience and the inclusion of any link does not imply reliability and endorsement by us of the content of any third party’s website. Morses Club expressly dissociates itself from all contents of linked pages. Morses Club can take no responsibility for quality, completeness, timeliness or accuracy of all automatically included news and presents the content without guarantee. Morses Club reserves the right to suspend, or remove any part of the news section or the whole news section in its entirety without justification at any time.
    • 4.2 These Terms of Use do not apply to any third party linked to from the website. You should read the terms and conditions of those other websites before using them and direct any questions or comments about the content of those other websites to the person or entity who controls the relevant website.
    • 4.3 You are not entitled (nor will you assist others) to set up links from any other websites to the website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion.
    • 4.4 You agree that when accessing the website you shall not price scrape or harvest pricing or any other content from the website, either manually or by use of a web spider, web robot or any other web crawling technology.
  • 5. Disclaimer of liability
    • 5.1 This website and its content are for information purposes only. While we have taken reasonable steps to ensure the accuracy and completeness of the information on the website, all such information is provided on an “as is” basis and, except where prohibited by law, we give no warranty and make no representation regarding the accuracy or completeness of its content. Morses Club has tried to ensure the usefulness and accuracy of the information provided, but does not make any representation, or accept any responsibility or liability for the accuracy or completeness of this information, nor it's suitability to be used for a particular purpose.
    • 5.2 Some of the information contained on the website may have been prepared or provided by third parties. Except where prohibited by law, no warranty is given that the website will be available on an uninterrupted basis and, save as required by law, no liability can be accepted in respect of losses or damages arising out of such unavailability.
    • 5.3 All express warranties, representations, conditions of any kind or other terms implied by statute or common law with respect to the website or the information, content, materials or products included on the website are hereby expressly excluded to the fullest extent permitted by law. Except where prohibited by law, we shall not be liable in any circumstances for any direct or indirect, special or consequential loss or damage (whether for profit or loss or otherwise) costs, claims, expenses or other claims for compensation whatsoever, whether caused by our acts, omissions or negligence or the acts, omissions or negligence of our employees or agents, which arise out of or in connection with the use of the website or the information, content materials or products included on the website, except in respect of death or personal injury caused by us, our employees’, or our agents’ proven negligence, fraud or fraudulent misrepresentation, breach of our statutory obligations which apply in connection with the sale and supply of products and services and which cannot be excluded by operation of law, or any matter for which it would be illegal for us to exclude or attempt to exclude our liability. Nothing in these Terms of Use shall exclude or restrict any liability that we may owe to a customer under the regulatory system.
    • 5.4 In addition, except where prohibited by law, we are not liable to you for any of the following (whether or not we were advised of, or knew of, the possibility of such losses) whether arising from any claim arising out of or in connection with the use of the website, including without limitation, under any tort, including negligence, for breach of contract, for misrepresentation (other than fraudulent misrepresentation), intellectual property infringement or under any statute or otherwise:
      • 5.4.1 any losses or damages arising out of changes made to the content of the website by unauthorised third parties;
      • 5.4.2 any loss of business, data, profits, revenue, goodwill, use or anticipated savings;
      • 5.4.3 any claims from third parties;
      • 5.4.4 loss or damage to your, or any third party’s, data or records;
      • 5.4.5 any delay in, or failure of, performance of our obligations under these Terms of Use arising from any cause beyond our reasonable control including any of the following: act of God, governmental act, war, fire, flood, explosion or civil commotion, failure in information technology or telecommunications services, failure of a third party (including failure to supply data) and industrial action;
      • 5.4.6 except as expressly provided in these Terms of Use, we exclude all representations, conditions and warranties whether express or implied (by statute or otherwise) to the fullest extent permitted by law.
  • 6. Security
    • 6.1 Please remember that the Internet is not a secure medium. Communications over the Internet such as e-mails are not secure, even if they have been encrypted. We seek to keep secure all confidential information and personal information submitted to us through the website, in accordance with our obligations under applicable laws and regulations. However, in common with all website operators, we cannot guarantee the security of any data transmitted through the website (except where the same is encrypted using methods we have approved or prescribed). Please do not communicate with us through the website, or otherwise use the website, unless you accept the security implications of dealing online. Information you send through the website is sent at your own risk.
  • 7. Statement of Misuse
    • 7.1 We reserve the right to prevent your usage of the website if you misuse the contents contained within the website in any manner. We are the final arbiter as to what shall constitute misuse and our decision will be final.
  • 8. Miscellaneous
    • 8.1 In these Terms of Use the words “include”, “including”, “includes”, “such as”, “in particular” and any similar expression are to be construed as if they were immediately followed by the words “without limitation”.
    • 8.2 These Terms of Use and any non-contractual obligations arising out of or in connection with them, are governed by English law. In the event of any dispute or claim relating to the website, these Terms of Use or any non-contractual obligations arising out of or in connection with them, then all website users to whom these Terms of Use relate agree to the resolution of such claim or dispute in the English courts, in accordance with English law.
    • 8.3 If any provision of these Terms of Use is found to be invalid or unenforceable by a court, including without limitation the liability limitations or exclusions, it will be severed from the rest of these Terms of Use which shall remain unaffected.
    • 8.4 No delay or failure by us to exercise any powers, rights or remedies under these Terms of Use will operate as a waiver of them, nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them.
    • 8.5 We may, at any time, assign any or all of our rights or obligations under these Terms of Use to any person. This includes without limitation any person who takes on responsibility for operating the website This includes assignments where necessary as part of any restructuring relating to our companies, business or assets, or as part of a sale of Shelby Finance Limited, our parent company Morses Club PLC, or their business or assets.
    • 8.6 Rights such as may be granted to any and all website users, and obligations as may be incurred by any such person, in each case pursuant to these Terms of Use, relate only to those persons, and they may not be transferred to any third party whatsoever.

Last updated: 10/04/2017

Privacy Notice

Why do we have a Privacy Notice?

We have developed this notice because we want you to feel confident about the privacy and security of your personal information and because we would like to explain how we will use and process it. Morses Club PLC (“we”, “us”, “our”) is your controller and abides by applicable data protection laws.

When we refer to "personal information" in this Privacy Notice, we mean information which identifies you as an individual (whether on its own or in connection with other information that we hold about you). For example, your name, address, email address, phone numbers, and perhaps some less obvious details like a list of payments you already make. We hold, use and share data about you in your capacity as a consumer for the purposes mentioned in this Privacy Notice.

We have a Data Protection Officer who can be contacted by e-mail at DPO@Morsesclub.com, by telephone on 0330 0450749 or by post at:

Data Protection Officer
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

Please read this Privacy Notice carefully. It explains clearly how we will use your personal information collected when you use our website and/or apply for, and are accepted for, a loan and as part of the other services that might be included as part of this process.

1. What does this Privacy Notice cover?

This Privacy Notice applies to how Morses Club deals with your personal information which is collected through our www.morsesclub.com website (our “website”), when you apply for a loan product or when we are otherwise in contact with you (for instance when you call us or email us). It does not apply to any other company or to any other company's websites even if you access them through Morses Club. If you disclose your personal information to other companies your information will be dealt with according to their own privacy policies and practices.

In the terms and conditions of your loan agreement you will see additional information about data protection, credit checks and how we use and share your personal information. For the avoidance of doubt, this Privacy Notice is our primary Privacy Notice and any additional items covered in your loan agreement should be considered as supplemental.

You may also be required to enter into terms and conditions associated with each of our services you use (for instance, we will ask you to sign terms and conditions which are in a loan agreement if your application for a loan is successful).

2. What personal information do we collect about you, and when do we collect it?

We collect the following personal information from you:

Category of Personal Data: Collected From:
Your full name and initials* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Your postal and correspondence address(es)* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Your date of birth* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Your marital status* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Your contact telephone numbers (daytime and evening)* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Your e-mail address* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Your National Insurance number* You - Completing the loan application form or contacting us
Your employment status* You - Completing the loan application form or contacting us
Your salary* You - Completing the loan application form
Details of your non-salary income* You - Completing the loan application form or contacting us
Details of your regular or one-off expenses* You - Completing the loan application form or contacting us
Your requested loan amount* You - Completing the loan application form or contacting us Brokers and other providers of loan products
The reason for your loan* You - Completing the loan application form or contacting us Brokers and other providers of loan products
Details of your payment history for (previous or current) loans taken with Morses Club* Our records of your previous or current loans with us
Your credit status and history (including the information set out in Section 4 below)* Credit reference agencies and fraud prevention agencies
Your history of name changes* You - Completing the loan application form or contacting us. We will also receive information about your history of name changes from Credit Reference Agencies (see “Credit Checking and Account Management” below)
Your postal address history* You - Completing the loan application form or contacting us. We will also receive information about your history of name changes from Credit Reference Agencies (see “Credit Checking and Account Management” below)
The number of adults in your household* You - Completing the loan application form or contacting us
The number of children in your household You - Completing the loan application form or contacting us
Your residential status (whether you own or rent your home)* You - Completing the loan application form or contacting us
Details of whether you have any special needs or are otherwise vulnerable* You - Completing the loan application form or contacting us
Your marketing preferences You - Completing the loan application form or contacting us
Your signature* You - Completing the loan application form or contacting us
Your comments or other information entered into via our “Contact Us” page, any customer satisfaction surveys and/or in any correspondence between us You - Completing the loan application form or contacting us

* The processing of these categories of personal data is mandatory in order for us to assess your eligibility for a loan and to enable us administer the loan during its term. A failure to provide this information may result in us being unable to offer you our products and services.

Cookies

Our website uses cookies to distinguish you from other users of our website. Please read our Cookie Policy for more information about which Cookies we use. Third parties will use cookies and similar technologies to collect or receive information from this website and elsewhere on the internet. They will use this information to provide measurement services and target ads. Users can opt-out of the collection and use of information for ad targeting at www.aboutads.info/choices.

3. For what purposes do we use your personal information?

We will use your personal information in the following ways:

Purpose Categories of personal data Lawful basis for processing
To verify your identity and credit standing and to enable us to consider and process your application for a loan or other products or services. All categories of personal data set out in Section 2 above except your marketing preferences. This processing is necessary for the performance of our contract with you. This processing is necessary for compliance with legal obligations to which we are subject.
To assess your credit history and confirm your employment details (as explained further in Section 4. All categories of personal data set out in Section 2 above and Section 4 below except your marketing preferences. This processing is necessary for the performance of our contract with you. This processing is necessary for compliance with legal obligations to which we are subject.
To perform actions in line with the contract we have with you (in particular, the loan agreement) including administering and servicing your account with us. All categories of personal data set out in Section 2 above. This processing is necessary for the performance of our contract with you.
To collect unpaid loans and debt that may be owed by you to us. All categories of personal data set out in Section 2 above except your marketing preferences. This processing is necessary for the performance of our contract with you.
To develop, manage and market products and services to meet your needs, to determine your eligibility for different products and services that you may be interested in and notify you about changes to our website, our services or our products. All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of creating new or updated products and services to improve our service offering to existing and potential new customers.
To communicate with you to provide you with information about the products and services that you request from us (including for direct marketing purposes if you have opted in). All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of marketing new products and services to existing and new customers. Where necessary for direct marketing purposes, we will process your personal data with your consent.
Customer satisfaction surveys to monitor and improve the quality of our product and service offerings (which may involve using your data in quality and performance training). Your full name and initials; postal and correspondence address(es); contact telephone numbers; e-mail address; comments or other information entered into via our “Contact Us” page, any customer satisfaction surveys and/or in any correspondence between us. This processing is necessary for our legitimate interests of assessing our performance levels and evaluating new ways to improve our products and services.
To undertake market analysis, forecasting, business planning and auditing exercises in connection with our business. All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of management planning and forecasting in relation to our business.
To contact you in connection with any enquiries that you raise. All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of responding to questions and comments raised by individuals that contact us.
To detect, prevent and investigate actual and potential fraud and related activities. All categories of personal data set out in Section 2 above. This processing is necessary for compliance with legal obligations to which we are subject.
To comply with laws and our regulatory requirements. All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of complying with laws and regulatory requirements.
To, establish, defend, exercise, enforce or to protect our rights, property or safety, or that of our customers, employees or other persons with whom we have a business relationship. All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of establishing, defending, exercising, enforcing or protecting our rights and others with whom we have a business relationship.
For monitoring and recording of telephone calls and email communications where necessary for compliance with regulatory rules or self-regulatory practices or procedures relevant to our business, to prevent or detect crime, for quality, training and security purposes. All categories of personal data set out in Section 2 above. This processing is necessary for our legitimate interests of creating anonymous data sets that we can use for research, statistical and analysis purposes.

Where we process personal data relating to whether you have any special needs or are otherwise vulnerable, we will process this only:

  • where you have given explicit consent to the processing of such data;
  • for the establishment, exercise or defence of legal claims;
  • where the processing is necessary for the purposes of carrying out obligations and exercising specific rights in the field of social security and social protection law;
  • where you have manifestly made public that personal data; or
  • where the processing is necessary for reasons of substantial public interest.

4. Credit checking and account management

If you apply for a loan we will use credit scoring and other automated systems to assess your application and verify your identity.

Automated Decision Making

Our automated systems are used to make a recommendation to our loan application about whether you should be accepted for a loan. These systems compare the information in your application form and gathered from credit reference agencies to assess the risk of non-payment if we were to grant you a loan. They do this by processing your name, addresses, date of birth, employment status, salary, details of your non-salary income, details of your regular or one-off expenses, requested loan amount, reason for your loan, previous payment history, and credit status and history and comparing it against our customer database to evaluate whether you are likely to be able to repay your requested loan amount.

Step 1: Previous customers and applicants: If you are an existing customer, were a customer within the period of 12 months prior to the date of your application or have previously applied for a loan within a period of 45 days prior to your application, our systems will decline your application. If you are a previous customer of Morses Club (who has not been a customer of Morses Club within the period 12 of months prior to the date of your application), we will check our database to see whether you made your repayments. If you did not make your repayments on a previous loan, your application will be declined. If you did make your repayments, your application will pass to Step 2.

Step 2: Credit Reference Agencies: Our automated systems gather information from Credit Reference Agencies (see below for more information) about your credit score and credit history. The systems check this information against our bespoke scorecards to generate a suitability score for your application. If you do not meet the minimum suitability score then your application will be declined. If you exceed the minimum suitability score, the systems will use the credit score and credit history information to determine the maximum loan value that Morses Club will be able to offer you.

If your application satisfies Step 1 and Step 2, a final decision as to whether to accept your loan application and the value that Morses Club may loan to you is made by a member of our team.

You have a right to request that your application is reviewed by a member of our team, to express your point of view on the decisions that we make about you and to contest our decisions.

Credit Reference Agencies

We will check your records through one or more credit reference agencies (“CRAs”) when considering your application. CRAs supply us with details of your credit history and associated information as well as information from the electoral register which is used to verify your identify and your residence.

When CRAs receive a credit check search request from us, they will always record details of this search and this means they will place a search ‘footprint’ on your credit file. That footprint will be seen by other lenders and persons unrelated to us (i.e. the other customers of the CRAs) if they undertake credit checks on you in the future in connection with their own financial products and services; we will carry out “soft” searches at the CRAs after the full credit check searches if we need additional verification of your identity after receiving the result of the full credit search and if we do this no-one else except you would see that we have made this additional enquiry.

We will provide information about this agreement and your repayment performance to all of the CRAs. We report to these third parties at least once a month, including details of the payments you make, payments that you do not make on time and details on any default against this agreement. Our records will remain on your credit file for 6 years after they are closed, whether settled by you or defaulted by us.

The personal data that we will share with CRAs include your:

  • Your full name and initials;
  • Your postal and correspondence address(es);
  • Your date of birth;
  • Your marital status;
  • Your contact telephone numbers (daytime and evening);
  • Your e-mail address;
  • Your National Insurance number;
  • Your history of name changes;
  • Your postal address history;
  • Details of your payment history for loans taken with us.

The CRAs can also share your information with other organisations.

CRAs will provide us with the following information relating to you:

  • Your name and aliases;
  • Your date of birth;
  • Your address and contact details (including address links where it appears you have moved house);
  • Your financial details including details of your debts;
  • Your court judgments that have been issued against you;
  • Your bankruptcies, Individual Voluntary Arrangement (IVAs), debt relief orders and similar events relating to you;
  • Fraud prevention indicators;
  • "Gone away indicators" (which indicate whether you have left an address, deceased or partially settled your account);
  • Search footprints where enquiries have been made about you;
  • Your credit scores and ratings;
  • Your financial associations to which you are linked;
  • Flags and triggers, for example where you may be flagged as subject to fraud, and indicators of the certainty of the information they provide;
  • Your insolvency and repayment history;
  • Your phone number data and politically exposed persons (PEPs) and sanctions data.

We and those other companies will use these records and other information to make credit decisions about you. The CRA records will also be used to make credit decisions about your current spouse, partner or other individual that has been financially linked or associated with you (for example if you have a joint account with them). We will: search, link and/or record information at CRAs about you both; link any individual identified as your financial associate, in our own records; take both your and their information into account in future applications by either or both of you (as relevant), and continue this linking until one of you notifies us that you are no longer linked; links between all such persons will remain on your and their files at the CRAs until such time as you or the other relevant person successfully files for a disassociation with the CRAs. If your circumstances change such that you are no longer a financial unit with another person, you should contact the CRAs directly using the contact details in the “How to find out more about Credit Reference Agencies” section below.

5. How to find out more about Credit Reference Agencies

More information about CRAs and how they use personal data is available at the following links:

You can contact the CRAs currently operating in the UK; the information they hold will not be the same so it is worth contacting them all.

  • Callcredit , Consumer Services, P O Box 491, Leeds, LS3 1WZ or call 0330 024 7574 or visit website www.callcredit.co.uk
  • Equifax Ltd, Customer Service Centre, P O Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or visit www.equifax.co.uk
  • Experian, Consumer Support Centre, P O Box 9000, Nottingham, NG80 7WF or call 0344 481 0800 or visit www.experian.co.uk

6. Do we share your personal information with anyone else?

In addition, as a normal part of our business we will share your details with:

  • our market research provider to enable them to conduct customer satisfaction surveys on our behalf to monitor and improve the quality of our product and service offerings;
  • where you have requested that your loan is provided on a Prepaid Debit Card, our supplier of Prepaid Debit Cards for the purposes of providing your loan on the Prepaid Debit Card, administering the Prepaid Debit Card and associated transactions and providing support services in connection with it;
  • our third party payments provider to enable us to process debit card transactions when you make payments against your loan by debit card;
  • our professional legal, accountancy and other advisors and auditors based in the United Kingdom in order to obtain legal, accountancy and other professional advice;
  • our IT service providers based in the United Kingdom and India that provide network and storage infrastructure and/or software programs and support to us in connection with the operation of our business;
  • debt collection agencies, if your loan account with us falls into arrears, to enable them to make contact with you (whether in person, by post, email or telephone) and recover the sums owed.

Where we have received your personal details from a broker or another provider of loan products, we will notify such broker or loan provider whether you are eligible for a loan application with us and whether you have obtained a loan from us.

We will disclose your personal data to third parties if we are under a duty to disclose or share your personal data in order to comply with any laws, regulations or good governance obligations, or in order to enforce or to protect its rights, property or safety, or that of our customers or other persons with whom we have a business relationship. These third parties will include (without limitation) the police, Action Fraud, the National Crime Agency, HMRC, HM Treasury and the Department of Work & Pensions.

In the event that we sell any part(s) of our business and/or assets, we will also disclose your personal data to actual or potential purchasers of parts of its business or assets, and their respective advisers and insurers for the potential purchaser’s legitimate interests of:

  • enabling potential purchasers to complete due diligence on, and value, the business and/or assets;
  • transferring the personal data in connection with any relevant sale and the transfer of our contractual rights and/or obligations; and
  • the use of such personal data by a purchaser for the operation of its business.

7. Transfers outside the European Economic Area (EEA)

We will share your personal data with our:

  • IT system developers in India to enable them to support our IT infrastructure. India is not designated by the European Commission as providing an adequate level of protection for personal data. In order to safeguard your personal data in respect of these transfers, we have implemented a data transfer agreement with our supplier which incorporates the European Commission standard contractual clauses for the transfer of personal data to processors established in third countries, under Article 46(2) of the General Data Protection Regulation. You can obtain a copy of this data transfer agreement by contacting us (as set out in the “Our Contact Details” section below);
  • supplier of Prepaid Debit Cards (where you have requested that your loan is provided on a Prepaid Debit Card) who provides support services for the cards from the United States of America and uses a third party payment processor based in the United States of America to process transactions made via the Prepaid Debit Card. The United States of America is not designated by the European Commission as providing an adequate level of protection for personal data. In order to safeguard your personal data in respect of these transfers, we have implemented a data transfer agreement with our supplier which incorporates the European Commission standard contractual clauses for the transfer of personal data to processors established in third countries, under Article 46(2) of the General Data Protection Regulation. You can obtain a copy of this data transfer agreement by contacting us (as set out in the “Our Contact Details” section below).

8. For how long does Morses Club keep personal information?

If you take out a loan with us, we will retain your personal data for the period during which your loan remains outstanding and thereafter until the expiry of a period of seven years.

If you submit an application for a loan and your application was unsuccessful, your personal data will be held by us for up to 50 days.

If you complete a customer satisfaction survey, your personal data in relation to that survey will be held by us for a period of up to 6 months from the date that you submitted the survey response.

If you raise a complaint or there is a dispute between us, your personal data will be held by us for a period of up to seven years following the resolution of the complaint or dispute.

If you raise a general enquiry with us (which does not involve a complaint or dispute), your personal data in relation to that enquiry will be held by us for a period of up to one month.

We will retain your personal data for longer than the periods specified above if required by law, to defend or exercise legal rights (such as defending legal claims) or to comply with regulatory obligations.

9. What rights do I have to my personal data?

It is important to us that you are in control of your own information. As a result, we offer the following controls:

The Right Of Access. You may request access to or copies of the personal information that we hold about (known as a “Data Subject Access Request”) you as set out in the “How can I find out what personal information Morses Club holds about me?” section below. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right To Rectification. You have the right to have inaccurate information about you corrected. For more information, see the “How can I change the personal information Morses Club holds about me?” section below,

The Right To Erasure. You may request that your personal information be deleted where it is no longer necessary for the purposes for which it is being processed and provided there is no other lawful basis for which we may continue to process such personal information. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right To Data Portability. Where you have provided us with your personal information that we process using automated means, you may be entitled to a copy of that personal information in a structured, commonly-used and machine readable format. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right To Object. In some circumstances, you may, on grounds relating to your particular situation, have grounds to object to our processing of your personal information. We will consider any objections to its processing on the particular circumstances relating to each case. If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

The Right To Restrict Processing. You may also request that we restrict the processing of your personal information to that to which you have consented or for the establishment, exercise or defence of legal claims or the protection of the rights of another person:

  • whilst we verify your data as set out in “The Right To Rectification” above;
  • pending verification of our legitimate grounds for processing your personal information; or
  • if the processing is unlawful or no longer necessary but you wish for us to retain your personal information for the purposes of establishing, exercising or defending legal claims.

If you would like to exercise this right, please contact us (as set out in the “Our Contact Details” section below).

10. How can I find out what personal information Morses Club holds about me?

Your right to access, as detailed above, or to obtain copies of your personal information may extend to (but is not limited to) some or all of the following items below.

  • Copy of your Loan Agreement
  • Your loan application details
  • Your payment history with us
  • Statement of Account
  • Customer Notes
  • Any charges applied to your account
  • Telephone calls recorded for quality and training purposes. (Not all calls are recorded)

We will endeavor to return your details from 1 month of receiving the request.

A Data Subject Access Request is free. However, where a request is manifestly unfounded or excessive, we may require a reasonable administrative fee or refuse to act on the request. This will be based on the true administrative cost and will be discussed with the requester on application.

You can make a Data Subject Access Request or exercise your other rights by contacting us (as set out in the “Our Contact Details” section below).

11. How can I change the personal information Morses Club holds about me?

Please tell us if your personal information, including contact details or address, change at any time so that we can update our records. If some of the information we hold about you is inaccurate (for instance because you have changed your marital status or name, or moved house, or changed your telephone number or email address) or incomplete, please contact us (as set out in the “Our Contact Details” section below). We will take steps to seek to correct or update any information if we are satisfied that the information we hold is inaccurate or incomplete. In certain circumstances, you may also request that we restrict our processing.

12. How can I manage Morses Club’s contact with me for marketing purposes?

If you are opted-in to receive direct marketing communications, for instance when you submit your name and contact details through our website, or when you apply for a loan, we will use your contact information to communicate with you in relation to products and services which you have confirmed you would like to hear about from us. Depending on the specific permissions you gave, we may contact you by post, SMS, telephone or email.

To change your marketing preferences, you can contact us using our contact details set out in our Contact Us page. We will process your request within a reasonable period of time.

Any marketing communication by email or SMS which are from us will also include details of how you may unsubscribe.

13. How do we protect the security of your personal information?

We are serious about guarding the security of your personal information and the details of any transactions or applications made. We use the triage of Confidentiality, Integrity and Availability (CIA) as the keystones to our technical and organisational controls. This helps us protect against unauthorised or unlawful processing, accidental loss or destruction of, or damage to, your personal information.

14. How do you obtain copies of our Privacy Notice?

If you require a printed copy of this Privacy Notice or a copy in another format such as audio or Braille, then please contact us using the contact page.

15. Our contact details

You can contact us by post at Morses Club, Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF17 9TD, by e-mail at DPO@Morsesclub.com by telephone on 0330 045 0719 or using our contact form on our Contact Us page.

Last updated: 08/05/2018