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This Policy explains how we collect your personal information, how it is used, processed and stored, as well as informing you what your individual data protection and privacy rights are.
This policy was updated on 4th July 2018.
Afibel SAS (registered on the Lille Trade Register under the number 314 360 041) is the Data Controller and the legal entity who is responsible for the personal information that is collected, processed and stored.
Personal information (or 'personal data') means any information that can personally identify you, such as your name, address and contact details.
AFIBEL, head office is located at 11 rue du Grand Ruage 59493 Villeneuve d'Ascq, France.
Afibel is a sister company of Damartex UK Limited.
Please rest reassured that we only collect information that is necessary to provide our products and services, as described in this policy.
We collect your personal information directly from you, for example through our order forms, from our website or through conversations we have with you.
We collect and use your personal information for a number of reasons, including:
When you place an order
When you apply for an Afibel Personal Account
On our website
For other purposes
Please note that if you do not provide us with certain information this may affect the service we are able to provide to you. For example, we require your personal information to be able to deliver the goods you have ordered and to be able to assess your application for an Afibel Personal Account.
We rely upon different legal bases to process your personal information depending on the reason for which we have collected or obtained it:
When you apply for an Afibel Personal Account, Damartex UK Limited uses an automated decision making software tool to underwrite your application. The use of the software is a requirement to enter into a regulated credit agreement with us. You have the right to request that we do a manual review of the results of the automated decision rendered.
The personal information that you provide to us is stored and processed on secure servers in the UK and France.
We have robust data retention and deletion procedures in place. How long we keep your personal information will depend on the purposes for which we process it. We delete information on a semester basis.
Your data will be kept for:
Cookies will be kept for a maximum of 24 months after having been installed on your computer and consultable on the website https://www.afibel.com/uk/cookies.
The opinions of customers will be kept throughout the marketing period of the product and for a maximum of 5 years.
Records of telephone calls will be kept for a maximum of six months.
We keep personal information relating to any Afibel Personal Account that you have for at least seven years since your last transaction. We may keep your personal information for longer than the period shown above if we have a legal obligation to do so.
Yes, if you would like to. You have the right to access the personal information we hold about you and this is known as the ‘right of access’. You can make the request by phone, email or by writing to us – see the How to contact us section for further information.
Right to rectify
We want to make sure that the personal information we hold about you is accurate and up to date. You can ask us to update your personal information if you think it is out of date or incorrect.
Right to be forgotten
In certain circumstances, you can ask for the information we hold on you to be deleted, should there be a legal or contractual obligation to hold your personal details we may not be able to carry out your request, however, we will explain this fully to you.
Right to restriction of processing
You can ask us to limit how we use your details in certain circumstances. For example, if you have challenged the accuracy of your personal details, you can request that we do not use it until it has been rectified.
Right to object to processing
You have the right to object to the processing of your personal information in certain circumstances. These include where processing is based upon our legitimate interest and where we process your personal information or undertake profiling for direct marketing purposes.
Right to data portability
You have this right if we process your personal information by automated means and processing is based upon consent or performance of a contract. In such cases, you can obtain the information we hold on you and reuse it for your own purposes, including to move, copy or transfer your personal information to another controller. Note that the information you can access under the right to data portability is different from the right of access.
You also have the right to be told which Credit Reference Agencies we have used and obtain a copy of your file from these agencies (please see below for further information about how we use CRAs).
If you want to exercise any of these rights, or have any queries in relation to them, you can make the request by phone, email or by writing to us – see the How to contact us section for further information.
We will respond to your request as soon as possible and always within statutory timeframes. Note that it may be necessary for us to contact you to verify your identity before we can deal with your request.
Yes of course. You can choose how you want to be contacted by us, whether by post or email.
If you do not wish to receive our mailings you can opt out at any time by changing your preferences on your order form, via the telephone or online. We print up to six weeks in advance, so it may take up to this time for you to stop receiving mailings if you decide to opt out.
When you provide your email address you can unsubscribe from our email list at any point simply by clicking the unsubscribe link at the bottom of your email. After a week, you won’t receive any more marketing emails.
There are some circumstances where we may share your name, address and email address with others. We do this when it is necessary to fulfil our legitimate interest of upholding customer service, better understanding our customer base and keeping you informed of offers and promotions that we believe you may be interested in.
On this basis, your personal information may be shared with:
In addition to the companies above, we may also share your personal information with Credit Reference Agencies (CRAs), debt collection agencies and fraud prevention agencies to comply with our legal obligations and fulfil our legitimate interests of responsible lending.
In order to process your application for an Afibel Personal Account, we will perform credit and identity checks with a Credit Reference Agency.
To do this, we will supply your personal information to the CRA and they will give us information about you. This will include information from your credit application, your financial situation and financial history. The CRA will supply to us both public (including the electoral register) and shared credit, financial situation, financial history information and fraud prevention information.
We will use this information to:
We will continue to exchange information about you with CRAs while you have a Personal Account with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.
When the CRA receives a search from us they will place a search footprint on your credit file that may be seen by other lenders.
Information held about you by the CRAs may already be linked to records relating to people with whom you are linked financially. For the purposes of credit searching you may be treated as financially linked and you will be assessed with reference to any ‘associated’ records.
CRAs will also link your records together and these will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail in the Credit Reference Agency Information Notice (CRAIN).
The CRAIN is accessible from each of the three CRAs online:
Call Credit: www.callcredit.co.uk/crain
To request a printed copy of the CRAIN simply get in touch by writing to us with your query at: The Credit Team, Damart, Bowling Green Mills, Bingley, BD97 1AD or phone 0330 123 4083 (open 8.30am – 5pm, Monday-Friday)
We obtain information from the data alliances that we work with, as detailed in the section Do you share my personal information with other companies? or from our UK sister brand Damartex UK Limited.
You can change your contact preferences at any time, see Can I choose how to be contacted by Afibel?
If you would like to contact us regarding your personal information, as detailed in this policy, or wish to amend your contact preferences, then simply get in touch using one of the following options:
For any question pertaining to personal data, you can contact the data protection officer (DPO) by letter at: Data Protection Officer, AFIBEL - Bowling Green Mills, Bingley, BD97 1AD and by e-mail at the following address: firstname.lastname@example.org.
We hope that we can resolve any query or concern you raise, however if you are not happy with how we’ve handled your personal information then you have the right to complain to the Information Commissioner’s Office (ICO). You can write to: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, phone: 0303 123 1113 or visit the ICO website at ico.org.uk for more information.