Our Privacy Policy sets out our code of practice for the gathering, storing and sharing of our customers' personal information.
The data protecting act
The Data Protection Act puts obligations on users of personal information and lays down principles for its use. One principle states that information has to be processed fairly and lawfully. This means that you're entitled to know how we intend to use any information you provide, or that we may obtain from other sources eg. credit reference agencies or your employer. You can then decide whether you want us to have that information. To provide the highest level of customer service we need accurate customer information. You can help by informing us whenever your circumstances change, either by phone, post or while you are logged into your plan on our website. Organizations must lodge a notification with the Information Commissioner, describing the purposes for which they process personal information. The details are publicly available from the Commissioner's Office at:
What are cookies?
A 'cookie' is a small piece of information which a website places into your browser and can retrieve later. It cannot be read by any website other than that which placed the cookie. We use cookies for several reasons. For example, we can store your preferences for certain kinds of information, or keep track of your progress through our site. Intelligent Finance uses Microsoft Active Service Pages which need cookies to operate properly. It is important that your browser is set to accept cookies; otherwise you will only be able to access our marketing site.
How to set your browser to accept or disable cookies?
The way in which you can set your browser to accept or disable cookies varies slightly according to exactly what browser (and operating system) you are currently using. Below are full instructions for changing your browser settings to accept or disable cookies.
How do we use your personal information?
Our main use of your personal information is to look after your plan or to provide the specific service you require. If you apply to us for insurance we will pass your details to the insurer. If you make a claim, any information you give to us or to the insurer may be put on to a register of claims and shared with other insurers to prevent fraudulent claims. A list of the participants is available from the insurer. Occasionally, we may contact you by letter, telephone, email or otherwise to inform you about other products and services which may interest you. We try to limit our customer contact program to acceptable levels, but if you wish to exercise your right to opt out, simply call us on 800-695-1619 or write to our Head of Regulatory Risk at the following address: 1171 Northland Drive, Suite 100 Mendota Heights MN 55120. Remember that by opting out of receiving marketing information you'll not be told of any offers or new products and services which may benefit you. For example, you may not hear about a new savings or mortgage product that offers you a better rate or saves you money. Unless you have given us your consent, we'll not provide information about you to companies outside our group to use for their own marketing purposes. We disclose information about our customers only with their consent, or if we are required to do so by law. Sometimes we need to give information to our agents and subcontractors so that they can provide a particular service for us. Sometimes these companies may be located abroad in countries that don't have data protection laws. In these circumstances we always ensure that the information is safe and secure. Your information may also be shared by other members of our group to keep their records up to date and administer your relationship with them. Occasionally, the Banking Code Standards Board who monitor compliance with the Banking Code, audit a sample of our customer records to assess our compliance with the Code. Whenever this happens, strict confidentiality conditions are always imposed. Under the Data Protection Act you've the right to have access to information we hold about you on our records. The act allows us to charge a fee of Ј10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it. If you don't want to receive unsolicited mail from other companies, you can prevent this by registering with the Mailing Preference Service. In addition the Telephone and Fax Preference Services enable you to object to receiving unsolicited marketing phone calls or faxes from other companies. To register, simply telephone the appropriate number below:
Credit referencing
If you apply for an Intelligent Finance credit based product, we'll perform a search with a credit reference agency. The agency will keep a record of the search. After you open a credit based product, we will provide the agency with regular information about how you use it. Other lenders may use this to make decisions on future applications for credit. It may also be used for tracing debtors and to prevent fraud. When opening jars and plans we may search public records such as the Electoral Roll that are available from Credit Reference Agencies to help us verify your identity. Occasionally we search credit reference and fraud prevention agency files as well as our own internal group records to manage your account and take credit decisions such as whether to offer credit or continue to extend existing credit. These searches are not seen or used by lenders to assess your ability to obtain credit. 'Associations' linking your financial records may be created on credit reference agency records when you apply for jars or plans in joint names. Your financial records, and those of anyone financially associated with you, may be considered in any future applications you make. This association will continue until one of you successfully files a 'disassociation' at the credit reference agencies. You've the right to apply to the credit reference agencies for a copy of your credit file. You can write to them at any time, enclosing a non-returnable fee of Ј2.00. Please give your name, address, postcode, date of birth and any other address you've lived at in the last six years to help them find your information. If there's anything incorrect on your credit file, you've the right to ask the agency to add a Notice of Correction. We use Equifax plc, whilst other members of the HBOS Group also use Experian Limited. A third credit reference agency (Call Credit) has recently started up in the UK. Their addresses are as follows:
Crime prevention and detection
Our systems protect customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We may check your details with fraud prevention agencies. If you give us false or misleading information and we suspect fraud, we will record this. We and other organizations may use and search these records to help us: make decisions about credit and related services for you and members of your household make decisions on household, life and other insurance proposals and insurance claims for you and members of your household trace debtors, recover debt, prevent fraud and to manage your accounts or insurance policies check your identity to prevent money laundering unless you provide us with other satisfactory proof of identity If you want to receive details of those fraud prevention agencies from whom we obtain and with whom we record information about you, contact us on 800-695-1619. You have a legal right to these details.
Email
If you email us, or give us your email address, we'll keep a record of it. We may use it to contact you occasionally about our products and services - unless you ask us not to do so. We'll not give your email address to any unauthorized third parties. When emailing us, always use the email facility on our website to make sure that the content of your email is secure. If you send us email in other ways, remember that it will be 'unsecure' and could be intercepted. If you do send us 'unsecure' email, please keep any confidential information in it to a minimum. We'll do the same when we reply.
Telephone calls
We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
Responsibility for customer confidentiality
All our employees are personally responsible for maintaining customer confidentiality. We provide training and education to all our staff to remind them about their obligations. Our policies and procedures are regularly audited and reviewed.
Thank You,
The Gabriel Financial Group Team