Privacy & Cookies Policy

As of 25th April 2017
GENERAL INFORMATION
Pariti Technologies Limited ("we" or "us") are committed to respecting and protecting your privacy.
This privacy policy (together with our website terms of use (https://pariti.com/terms) and any other documents referred to in it) sets out the basis on which we process information which we collect about you or which you provide to us (your "User Information") in connection with your use of:
  • our website https://pariti.com ("our site");
  • our mobile application (the "App"); and
  • any products, information or services provided on our site or the App (together the "Service").
    • You should read this policy carefully to ensure you understand our views and practices regarding your User Information.
    For the purpose of the Data Protection Act 1998 (the "Act"):
  • we are the data controller of the User Information; and
  • we are registered with the Information Commissioner's Office and our registration number is ZA089040.
    • If you have any concerns or comments in relation to this policy, you may contact us by emailing us at support@pariti.com.
    YOUR USER INFORMATION
    The User Information we hold falls into two categories:
  • Personal Information. This is information which relates to you and from which you can be identified. It includes information such as your name, email address and telephone number; and
  • Anonymous Data. This is information which is anonymous and from which you cannot be identified. It includes financial information, your age and your sex. We may create Anonymous Data from the User Information we hold about you by removing all of the Personal Information.
    • Whilst we take reasonable care of all of the User Information we hold about you, we take particular precautions in relation to your Personal Information and treat all of your Personal Information in accordance with the Act.
    We obtain the User Information we hold in the following ways:
  • Information you give to us. You may give us information by filling out forms on our site or corresponding with us. This includes information when you register to use the Service and may include your name, address, email address and phone number and information about your accounts and the passwords for those accounts.
  • Information we receive from other sources. We may also receive information about you from other sources, including but not limited to:
    • (a) the financial and banking institutions which you tell us provide you with accounts (your "Account Providers"); and (b) third parties we work with (including our business partners and subcontractors); (c) providers of Third Party Products, (our "Lending Partners"); (e) Fraud prevention agencies.
  • Cookies.
    • (a) Cookies are small data files produced by almost all websites to perform certain functions. The term "cookies" also includes similar technologies for collecting information including web beacons. (b) Cookies allow us to collect aggregated data about your access to our site. (c) We use cookies to recognise you and your preferences, enhance the performance of our website and to produce statistics such as the number of visitors, locations of visitors and the web browser and operating systems used for access. (d) The only cookies on our site that are set by third parties are those provided by Google Analytics, Mixpanel and Intercom. Google Analytics gathers anonymous information for the benefit of all users of the internet and to allow us to serve you with advertising that is relevant to you. You can opt out of Google's use of cookies by visiting https://www.google.co.uk/adwords/. Mixpanel helps us understand how people are using the site so we can improve the experience and serve you with notifications that are relevant to you. You can opt out of Mixpanel tracking by visiting https://mixpanel.com/optout/ and you can opt out of notifications by disabling notifications on your device. If you get a new computer, install a new browser, erase or otherwise alter your browser's cookie file, you may also clear the Mixpanel opt-out cookie. Intercom analyzes your use of our website and/or product and tracks our relationship so that we can improve our service to you. We may also use Intercom as a medium for communications, either through email, or through messages within our product(s). As part of our service agreements, Intercom collects publicly available contact and social information related to you, such as your email address, gender, company, job title, photos, website URLs, social network handles and physical addresses, to enhance your user experience. For more information on the privacy practices of Intercom, please visit http://docs.intercom.io/privacy. Intercom’s services are governed by Intercom’s terms of use which can be found at http://docs.intercom.io/terms. If you would like to opt out of having this information collected by or submitted to Intercom, please contact us. (e) The only behavioural or targeting cookies are those that are set by Google Analytics, Mixpanel and Intercom. (f) You may be able to disable cookies through the settings on your browser but if you do so, if may affect important features of our Service.
    HOW WE USE YOUR USER INFORMATION
    We respect your privacy and will only use your User Information for the following purposes:
  • to provide the Service to you;
  • subject to paragraph 3, to provide you, or allow selected third parties to provide you, with information about goods or services we consider may interest you;
  • to ensure that the content on our site and the App is presented in the most effective way for you and your device;
  • to improve our Service;
  • to provide you with customer support;
  • to administer our Service and for internal operations (including for data analysis, research, statistical and survey purposes); and
  • to measure the effectiveness of any advertising we serve to you.
    • In addition to the uses described above, you agree that we can use the Anonymous Data for all purposes in connection with the Service or our business. This may include aggregating your Anonymous Data with anonymous data we hold about other users of the Service and selling it.
    If you cancel your user account for the Service, we will promptly and securely delete all of the Personal Information we hold about you, except that required for regulatory purposes if you have applied for a Third Party Product. However, we reserve the right to retain any Anonymous Data collected up to the point of cancellation and to continue using it in accordance with this policy.
    USE OF YOUR USER INFORMATION FOR MARKETING PURPOSES
    We will only contact you by electronic means (such as SMS or email) to tell you about products or services you might be interested in if:
  • you are an existing customer and the products or services are similar to those we have previously supplied to you or which you have enquired about; or
  • you have consented to this.
    • Where we permit third parties to use your information for marketing purposes, they will only contact you by electronic means (such as SMS or email) if you have consented to this.
    If you do not want us to use or allow others to use your User Information for marketing purposes, you can let us know at any time by emailing us at support@pariti.com.
    SHARING YOUR USER INFORMATION
    We may share your User Information with any member of our group, which means our subsidiaries, our holding company and its subsidiaries.
    We may also share your User Information with selected third parties including:
  • third parties you ask us to share information with (including your Account Providers and people with whom you ask us to share your Pariti score);
  • our Lending Partners, who may in turn share your User Information with credit reference agencies for the purpose of assessing your credit status;
  • third parties to whom you expressly consent to us providing your User Information;
  • any person to whom we sell our business or assets;
  • if we are under a duty to disclose your User Information in order to comply with a legal obligation;
  • our suppliers and subcontractors who assist us to provide the Service, including Yodlee Inc which assists us by using the User Information you provide to collect information held by your Account Providers.
    • In addition to the above uses, we may share your Anonymous Data with third parties including:
  • advertisers that require the Anonymous Information to serve relevant adverts to you and others; and
  • analytics and search engine providers that assist is in the improvement and optimisation of our site.
    • SUBMITTING A LOAN APPLICATION
    Pariti Technologies Limited is a credit broker not a lender. We do not offer advice. If you are unsure about what is best for your own financial situation, you may want to seek independent advice.
    We work independently with multiple lenders and receive commission from the lenders for the introductions. To request information on the commission paid by Lending Partners to Pariti, please contact support@pariti.com
    Upon submitting a loan quote application, our Lending Partners will conduct a soft credit search on your behalf. This will not affect your credit rating, but will leave a 'soft footprint' which is only visible to you.
    Our Lending Partner may search the Electoral Roll and other information held about your current and previous addresses as part of this soft credit search.
    Your information will be shared with credit reference agencies, which may keep a record of such information.
    Please note, the results of the soft credit search do not guarantee you will be eligible for the Third Party Product.
    If you receive a loan quote from our Lending Partners, and you decide to proceed with your loan application, our Lending Partners will then carry out a full credit search with one of the credit reference agencies and will make a credit assessment. The credit reference agencies will record details of the credit search, whether the application is successful or not, and may disclose that information to their other customers for the purpose of preventing fraud, tracing debtors or assessing the risk of giving credit.
    SECURITY OF YOUR PERSONAL INFORMATION
    We take all steps reasonably necessary to ensure that your Personal Information is treated securely and in accordance with our privacy policy.
    We may from time to time transfer Personal Information to destinations outside the European Economic Area (EEA). For instance, Yodlee Inc is headquartered in the US and when we transfer your User Information to them, it may be held on servers outside the EEA. Yodlee Inc has agreed to and signed European Model Contractual Clauses, which ensure that they provide sufficient protection for personal data from EU countries.
    Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of any information transmitted to or via the Service and such transmissions are at your own risk.
    Once we have received your User Information, we will use strict procedures and security features to try to prevent unauthorised access including:
  • by encrypting any Personal Information which we transfer to Yodlee Inc; and
  • having in place an agreement with Yodlee Inc which requires it to have in place appropriate measures to safeguard the security of the Personal Information we send to them.
    • Full information on Yodlee's security policy can be found at https://www.yodlee.com/legal/yodlee-security/.
    LINKS FROM OUR SITE OR THE APP
    Our Site or the App may, from time to time, contain links to other websites. If you follow these links, please note that these websites may have their own privacy policies and we do not accept responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites.
    ACCESS TO INFORMATION
    The Act gives you the right to access the Personal Information we hold about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the Personal Information we hold about you. You can make an access request by writing to us at support@pariti.com
    CHANGES TO THIS POLICY
    All changes to this policy will be posted on our site or the App and, where appropriate, notified to you by email. Please check frequently to see any updates or changes to this policy. Any changes to this policy will take effect as soon as they are posted on our site or the App.