Who we are
Everyday Lending Limited, trading as Everyday Loans, 1st Floor North, 2 Dukes Meadow, Bourne End, Buckinghamshire, SL8 5XF, is the data controller responsible for your personal data.
Everyday Lending Limited trades as Everyday Loans and Trust Two, George Banco.com Limited and George Banco Limited (collectively the 'Company').
We recognise the importance of personal data to our business and of protecting that personal data and respecting the privacy rights of individuals. This is key to the success of our business and to maintaining the trust and confidence of our customers and our staff.
In addition, failure to comply with our data protection obligations could expose the Company to enforcement action by the Information Commissioner's Office (the ICO) which is the UK's supervisory authority for regulating data protection. The ICO can impose restrictions on our use of personal data and/or impose fines. Affected individuals may also complain or claim compensation. There may also be negative publicity as a result of any breach that is made public.
About this privacy policy
This notice sets out in clear and plain language our commitment to protecting and respecting your privacy and your data rights as required by the United Kingdom General Data Protection Regulation (the “UKGDPR”). If there is anything you do not understand after reading it please contact us using the details you will find below.
Here is where we explain:
- what information we may collect and how we may collect it,
- how and why we may use it,
- your rights in respect of your personal data
It applies whenever we collect your personal data (including when you use our website or other digital platforms), so please read it carefully.
Please note that this privacy policy forms part of our digital terms of use, which you can read here. By visiting careers.everyday-loans.co.uk (“our site”) and continuing to click through you are accepting and consenting to the practices described in this notice.
We update this policy periodically (it was last updated on 7th December 2023) so feel free to return to this page and read it again from time to time.
This Policy applies to and must be complied with by all employees (whether temporary or permanent), workers, contractors, agents, representatives and other third parties (referred to collectively as staff) acting for or on behalf of the Company.
It is the responsibility of every member of staff to ensure that they understand the content of this Policy, and to seek guidance where any doubt exists. It is expected that all staff will adhere to this Policy during the course of their duties.
The types of personal data we use and its sources
In order to operate our business and comply with our obligations, either as your employer or through the recruitment process, we gather several different categories of personal data.
Some of this data we gather directly from you during the job application process and then afterwards during the term of your employment. Some we obtain indirectly by reason of your interactions with us on our digital platform and some from third party sources where you give us permission or it is necessary to perform the contract or comply with a legal obligation such as credit references agencies, fraud prevention agencies, your bank, referees.
These categories of personal data include:
- financial and employment data that you provide or we obtain from credit reference agencies, former employers or your bank
- personal data about you such as name, date of birth, address, mobile number and such may include family and relationship information where you have dependents
- data for employee screening agencies including DBS checks
- data that we obtain during the time you have a contract with us such as payroll, holiday, absence and sickness, training records, appraisals and disciplinary-related matters
- technical data we capture from the devices and technology you use on our systems
- data that we gather to perform equal opportunities and diversity analyses of our workforce
- where applicable, behavioural traits and aptitude tests (personality and ability assessment data) as measured by psychometric testing
- special categories of personal data primarily comprising health information to enable us to comply with our legal obligations under employment legislation and health and safety legislation.
We are required to inform you of the purposes for which we use your personal data, the legal reasons for doing so and, if we rely on a so-called “legitimate interest” as a reason, to tell you what that legitimate interest is.
A legitimate interest reason for using your data is one, which is justified for a good business or commercial purpose such as fraud prevention.
We will keep and use it to enable us to run the business and manage our relationship with you effectively, lawfully and appropriately, during the recruitment process, whilst you are working for us, at the time when your employment ends and after you have left. This includes using information to enable us to comply with the employment contract, to comply with any legal requirements, pursue the legitimate interests of the Company and protect our legal position in the event of legal proceedings. If you do not provide this data, we may be unable in some circumstances to comply with our obligations and we will tell you about the implications of that decision.
Why we use your personal information
Our reasons
Our legitimate interests
Managing your contract with us.
Fulfilling contracts.
Legitimate interests.
Consent.
Conducting analysis for diversity and other administrative purposes
Asking your consent if we need it to contact you.
Managing our relationships with third parties that provide services to enable us to provide services to you.
Fulfilling contracts.
Our legitimate interests.
Our legal duty.
Effectively running our business and developing our staff
Developing your working relationship with us
Our legitimate interests.
Effectively running our business and developing our staff
Effectively operating our business by the management of our financial position, business capability, planning, communications, corporate governance, and audit.
Our legitimate interests.
Our legal duty.
Effectively fulfilling our legal and contractual duties.
Assessing ability to perform a role
Explicit consent
Contractual obligation
Effectively recruiting and developing our staff
Who we share your data with
We may share your personal data with the following categories of third party; any such sharing data will be under a contract requiring compliance with rules protecting your privacy:
- Third Parties who we use to provide support services such as providers of training and development and IT support services.
- Third party organisations who provide services to administer company benefits, such as Payroll, Pensions and private medical insurance
- Employee Screening Agencies
- Credit Reference Agencies.
- Fraud Prevention Agencies.
- The Financial Conduct Authority and other regulators e.g. ICO.
- Third parties that you ask us to share your personal data with such as your bank.
- Companies which we may wish to buy or which might wish to buy us.
IMPORTANT INFORMATION
We need to collect personal data from you for performance of a contract and for compliance with our legal obligations. You may refuse to provide us with your personal data at any time in our relationship because you object to such processing but if you do so we may not be able to provide you with certain support or enable you to access services or may even have to terminate our relationship with you. If you do withdraw consent where we have asked for it this will not invalidate the use of your personal data prior to the withdrawal.
Sending Personal Data outside the EU
We may send your personal data outside the EU in order to enable us to perform the contract, comply with a legal obligation or where we have a legitimate interest.
Before we send any personal data to an organisation outside the EU we will make sure it is protected to the same or similar standards as if it was being used within the EU by means of contracts between us and the overseas processor or in reliance on the EU Commission’s finding of that country having adequate data protection provisions in place.
Sharing your data with Employee Screening Agencies
In order to process your application, we will ask you to register with an employee-screening agency who will perform right to work checks using your personal data. If results indicate you could be a risk to the business, they will share these results with us.
Training
All employees are required to complete online on UKGDPR upon joining the company and annually, as a minimum, thereafter.
Your Rights
You have a number of rights in respect of how we use your personal information.
You have a right to access the personal data we hold about you. This is more commonly known as submitting a “Data Subject Access Request” (SAR) also referred to as a "DSAR".
You have to right to withdraw consent at any time and require us to cease any data processing.
You have the right to ask us to rectify any inaccuracies in your personal information.
You have the right to ask us to erase or restrict processing your personal information if it is no longer necessary for us to process in accordance with any contract or legal obligation or legitimate interest.
Complaints
If you are dissatisfied about how we have used your personal data, you can contact us at [email protected]. Alternatively, you also have the right to complain to the Information Commissioner’s Office though they will ask you whether you have raised the matter with us beforehand. Find out how to report a concern on their website: ico.org.uk/concerns
Retention
We will keep your personal data for as long as you are our employee. After you stop being an employee for any reason we will keep your personal data for no longer than 6 years. We will also keep personal data for employment applications for individuals who have not been hired for no longer than 12 months after the date of the last interview, or the last point of contact if queries are raised on the application process. We do this to respond to any queries you may have after you have left.
Cookies Policy
Our website at www.careers.everyday-loans.co.uk (“our site”) uses cookies to distinguish you from other users of our site. This helps us to provide you with a good experience when you browse our site and also allows us to improve our site.
What are cookies?
A cookie is a small file of letters and numbers that we store on your browser of your computer if you agree. We store corresponding information to the one we set in your browser and in this file we can track and keep information on your movements within the site and any information you may have given while visiting the site.
There are two types of cookies: session cookies and persistent cookies. Session cookies are created temporarily in your browser’s subfolder while you are visiting our site. Once you leave the site, the session cookie is deleted. Persistent cookie files remain in your browser’s subfolder for a period of time after you have visited our site. You can find out more about cookies by visiting www.allaboutcookies.org
Information about our use of cookies
We use the following session and persistent cookies:
Strictly necessary cookies.
These are cookies that are required for the operation of our site. They include, for example, cookies that enable you complete a loan application form on our site.
Analytical/performance cookies.
They allow us to recognise and count the number of visitors and to see how visitors move around our site when they are using it. This helps us to improve the way our site works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies.
These are used to recognise you when you return to our site. This enables us to personalise our content for you and remember your preferences.
Targeting cookies.
These cookies record your visit to our site, the pages you have visited and the links you have followed. We will use this information to make our site and any advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:
Blocking Cookies
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.
Everyday Loans Limited is the controller and processor of data for the purposes of GDPR.
If you have any concerns as to how your data is processed or wish to exercise any of your rights, you can contact the data protection officer at [email protected]
Governing Law and Jurisdiction
This legal notice and privacy policy shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice and privacy policy shall be subject to the non-exclusive jurisdiction of the English courts.
Enforceability
If any part of this website, including the legal notice or privacy statement is found to be unenforceable, the unenforceable part of the provision shall be removed and shall not affect the validity of the remaining terms and conditions of the website.
