This policy describes how we use personal data you may provide us when you use our website (www.time4advice.co.uk) or our CURO application, purchase services from us or by corresponding with us by email or by phone. We have provided this policy to ensure that you understand what personal data we may collect and hold about you, what we may use it for and how we keep it safe. You have legal rights to access the personal data that we hold about you and to control how we use it which are also explained.
You can read, print and save this whole policy.
Who we are and how you can contact us
We are Time For Advice Limited, company Registration No.07223162. Our registered office address is at Leavesden Park, 5 Hercules Way, Watford, Hertfordshire, WD25 7GS.
You can contact us in writing at; Time For Advice Limited, St. George's Works, 51 Colegate, Norwich, Norfolk, NR3 1DD or by completing the online
Please refer to the sections on 'Your rights to know what personal data we hold and to control how we use it' and 'How to make a complaint
What personal data we collect about you
• Personal data that you provide to us. There are lots of ways in which you may share your personal data with us, for example, you may register on our website, post on social media sites that we run or contact us in connection with services that you would like to buy, or have already bought, from us. The personal data that you provide to us may include your name, address, e-mail address and phone number, financial and credit card information, your employer’s name, your employers address and your employer's phone number.
• Personal data that we receive from third parties. If we work with other businesses or use sub-contractors these parties may collect personal data about you which they will share with us. For example, we may have your name and contact details passed to us by a consultancy business that refers you to us so that we can provide you with our services or receive feedback from a sub-contractor we have instructed to help us provide you with services that you have requested, for
• Personal data about your use of our website and our CURO application. This is technical information and includes details such as your IP address, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, as well as details of how you navigated to our website and where you went when you left, what pages or 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 any phone number used to call our customer service number.
What we use your personal data for
We use your personal data in the following ways:
Personal data that you provide to us is used to:
• To carry out our obligations arising from any contracts entered into between you and us and to provide you with the information and services that you request from us.
• Provide you with marketing information in accordance with your marketing preferences (see How we use your personal data for marketing).
• Manage and administer our business.
• To notify you about changes to our service.
• Review and improve our goods and service.
Personal data that we receive from third parties is combined with the personal data that you provide to us and used for the purposes described above.
Personal data about your use of our website and our CURO application is used to:
• Administer our website and CURO application for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
• To improve our website and CURO application to ensure that content is presented in the most effective manner for you and for your computer or mobile device.
• To allow you to participate in interactive features of our when you choose to do so.
• As part of our efforts to keep our site safe and secure.
• To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.
• To make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.
When we need your consent to use your personal data
Whilst we always want you to be aware of how we are using your personal data, this does not necessarily mean that we are required to ask for your consent before we can use it. In the day to day running of our
• We are entering into and carrying out our obligations under a contract with you.
• We need to use your personal data for our own legitimate purposes (such as the administration and management of our business and the improvement of our services) and
In exceptional circumstances, we may wish to use your personal data for a different purpose which does require your consent. In these circumstances, we will contact you to explain how we wish to use your data and to ask for your consent. You are not required to give consent just because we ask for it. If you do give consent you can change your mind and withdraw it at a later date.
Please refer to the section on 'How we use your personal data for marketing' to read about marketing consents.
Personal data you are legally obliged to provide
You are not under a legal obligation to provide us with any of your personal data but please note that if you elect not to provide us with your personal data we may be unable to provide our goods or services to you.
Your rights to know what personal data we hold and to control how we use it
You have a legal right to know what personal data we hold about you - this is called the right of subject access. You can exercise this right by sending us a written request at any time. Please mark your letter “Subject Access Request” and send by post or email using the details in the 'Who we are and how you can contact us' section.
You also have rights to:
• Prevent your personal data being used for marketing purposes (see 'How we use your personal data for marketing' for further details).
• Have inaccurate personal data corrected, blocked or
• Object to decisions being made about you by automated means or to your personal data being used for profiling purposes.
• Object to our using your personal data in ways that are likely to cause you damage or distress.
• Restrict our use of your personal data.
• Require that we delete your personal data.
• Require that we provide you, or anyone that you nominate, with a copy of any personal data you have given us in a structured electronic form such as a CSV file.
You can find full details of your personal data rights on the Information Commissioner’s Office website at www.ico.org.uk.
Automated decision making and profiling
We do not make any use of use automated decision making or profiling.
When we will share your personal data with others
We share your data with the following people in the day to day running our business:
• Any business partners, suppliers and sub-contractors we work with to provide you with goods or services that you have requested from us including MYCRM, Rackspace and Ring Central.
• Advertisers and advertising networks (see 'How we use your personal data for marketing' for more information).
• Analytics and search engine providers that assist us in the improvement and
• Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.
We may also share your personal information with third parties on a one-off basis, for example, if:
• We sell or buy any business or assets (including our own), in which case we will disclose your personal data to the prospective seller or buyer of such business or assets.
How we keep your personal data safe
We take every care to ensure that your personal data is kept secure. The security measures we take include:
• Only storing your personal data on our secure servers.
• Ensuring secure authentication systems are in place to access your data.
• Encrypting your personal data when it is in transit by using SSL technology.
• Taking regular backups of your database.
• Ensuring that our staff
• Keeping paper records to a minimum and ensuring that those we do have are stored in locked filing cabinets on our office premises.
• Maintaining up to date firewalls and anti-virus software to
• Enforcing a strict policy on the use of mobile devices and out of office working.
• Encrypting any payment transactions made through our website using SSL technology.
Please remember that you are responsible for keeping your passwords secure. If we have given you (or you have chosen) a password which enables you to access certain parts of our website or CURO application, you are responsible for keeping this password confidential. Please do not to share your passwords with anyone.
Unfortunately, sending information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of personal data sent to our website; you send us personal data at your own risk. Once we have received your personal data, we will use strict procedures and security features (some of which are described above) to try to prevent
How we use your personal data for marketing
We will add your details to our marketing database if:
• You make an
• You buy our goods or services.
• You have told a third party that you would like them to pass us your contact details so that we can send you updates about our services.
• You have registered an account on our website and have indicated during the sign-up process that you are happy to receive marketing communications.
We may send you marketing communications by email, telephone or post.
You can ask us to only send you marketing communications by particular methods (for example, you may be happy to receive emails from us but not telephone calls), or you may ask us not to send you any marketing communications at all.
We may ask you to indicate your marketing preferences when you submit your details on our website forms. You can check and update your current marketing preferences at any time by calling or emailing us using the details set out in the 'Who we are and how you can contact us' section above.
We never share your personal data with third parties for marketing purposes.
We also undertake business-to-business marketing which includes:
• Using a third party called Lead Forensics to cross-reference your IP address against their database to identify your company, web address, industry and number of visits to the site (we do not and cannot identify you as an individual).
• Using profiling to identify those firms that are providing financial advice in the UK and register as leads for further communication about our services.
When we will send your personal data to other countries
|Supplier||Subscription of sub-processing||Contract in place?||Transfer of data outside of EEA?||Adequate safeguards in place?|
.Net application for monitoring CURO
US-EU Privacy Shield
Retrace - .Net application monitoring for CURO
Standard contractual clauses
Support desk ticketing application and customer portal/Knowledge Base
US-EU Privacy Shield
Marketing and communications add-in
US-EU Privacy Shield
|Microsoft||Online services such as Visual Studio, Team Foundation Server, Azure and Office 365.||Service contract||Yes||US-EU Privacy Shield|
How long we keep your personal data
We only keep your personal data for as long as we actually need it. In practice this means that we will keep:
• Personal Data for Marketing e.g. Your name and contact details entered onto our websites online enquiry form will be kept for 1 year. Before the end of this 12-month period we will make contact to seek another year consent for keeping
• Personal Data for our customers e.g. if you have bought goods or services from us we will need to keep your personal data for 7 years from the end of your subscription agreement for business accounting and administrative purposes.
• Personal Data you store in CURO (unless deleted by you) will be kept as long as you have an active subscription agreement with Time4Advice Ltd. Your CURO database will only
• A record of the goods and services (including a copy of your full customer file) we provide to you for 7 years from the end of your subscription agreement.
• Complaint records are kept for two years from the date of last correspondence.
Please note that we may
How you can make a complaint
If you are unhappy with the way we have used your personal data please contact us to discuss this using the contact details set out in the 'Who we are and how you can contact us' section above.
You are also entitled to make a complaint to the Information Commissioner’s Office which you can do by visiting www.ico.org.uk. Whilst you are not required to do so, we encourage you to contact us directly to discuss any concerns that you may have and to allow us an opportunity to address these before you contact the Information Commissioner’s Office.
How we keep this policy up to date
We will review and update this policy from time to time. This may be to reflect a change in the goods or services we offer or to our internal procedures or it may be to reflect a change in the law.
The easiest way to check for updates is by looking for the latest version of this policy on this page of our website or you can contact us (see Who we are and how to contact us) to ask us to send you the latest version of our policy.
Each time we update our policy we will update the policy version number shown at the end of the policy and the date on which that version of the policy came into force.
This is policy version 2.0 which came into effect on 25th May 2018.
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