Privacy Policy
1.Collection Of Data
1.1 How We Collect Information about You
i) purchase products or services from us whether in store, online, by phone or elsewhere;
ii) register to become a Flex Mobile Ltd T/A Poor Credit Mobiles customer;
iii) submit enquiries to us or contact us;
iv) enter any promotions, competitions or prize draws;
v) use Flex Mobile Ltd T/A Poor Credit Mobiles's products and services;
vi) take part in market research; and/or
vii) when you terminate your account with us.
1.2 We collect information indirectly from you when
i) you choose to register with us and use our service, visit or browse this site or use our networks
ii) visit or browse this site or other Flex Mobile Ltd T/A Poor Credit Mobiles websites;
iii) browse or otherwise access the Internet, WAP sites and/or the mobile internet via the services; or
iv) use our networks
1.3 We collect information about you from other sources, including but not limited to credit reference agencies, fraud prevention agencies; and business directories and other commercially or publicly available sources.
2.Type Of Information We Would Collect
2.1 We collect such information as:
i) your name;
ii) billing address;
iii) delivery address;
iv) telephone number;
v) your use of products and services including but not limited to phone numbers and/or email addresses of calls, texts, MMS, emails and other communications made and received by you and the date, duration, time and cost of such communications, your searching, browsing history (including web sites you visit) and location data, address location for billing, delivery, installation or as provided by individual, phone location;
vi) how your conduct and manage your account(s) with us;
vii) debit or credit card details, banking details and other payment information.
3.How We Use Information
3.1 We may use and analyse information about you in order to:
i) provide you with access to parts of this site;
ii) process your order;
iii) supply services and products that you have ordered;
iv) contact you if necessary;
v) verify that you are an authorised user for security purposes;
vi) arrange for payment of goods or services purchased;
vii) inform you of any service related message or of any new services or functionality (e.g. the introduction of a new messaging service);
viii) assist us with crime and fraud prevention such as to check your identity;
ix) assist you with any product or services enquiries, including the investigation and resolution of service affecting issues and dealing with any billing queries you may have;
x) investigate any complaints or other enquiries that you submit to us;
xi) enhance and personalise the products and services that we offer you and to develop new products and services;
xii) analyse markets and produce reports, perform research and statistical analysis and to monitor usage behaviour (including when you are no longer a Global customer);
xiii) market our products and services generally
xiv) send information to you about our products and services from time to time by phone, post, email, text, MMS, automated dialling equipment or other means (subject to any objection or preference you may indicate when submitting your details to us);
xv) inform you of any products and services offered by other companies that we think may be of interest to you, provided that you choose to receive this information;
xvi) disclose your personal information or usage of our services to certain third parties. Please see Section 4 below;
xvii) assess applications for and make decisions about credit, credit-related services from you and members of your household;
xviii) debt tracing, debt recovery, credit management and crime, fraud and money laundering detection and prevention; and
xix) aggregate information about you, your spending and your use of the services with information about other users of the services in order to identify trends ("Aggregated Data"). We may pass Aggregated Data to third parties, such as advertisers, content providers and business partners or prospective business partners, to give them a better understanding of our business and to bring you a better service. Aggregated Data will not contain information from which you may be personally identified.
xx) analyse information about you including your calling, searching, browsing and location data on a personalised or aggregated basis. We may pass this data to the third parties and we may use this information to provide you with Flex Mobile Ltd T/A Poor Credit Mobiles or third party offers, promotions, adverts or commercial communications.
4.Disclosure Of Your Information
4.1 We may disclose your information:
i) to our partners, agents and subcontractors (including prospective partners, agents and subcontractors) who are involved in the delivery of providing products or services used or ordered by you;
ii) to credit reference agencies and fraud prevention agencies;
iii) to other communications companies;
iv) to any relevant public authority or law enforcement agency;
v) to third parties for checking details of job applicants and employees;
vi) to third parties from whom you have chosen to receive marketing information.
vii) where there is a change (or prospective change) in the ownership of Global SIMS, to new or prospective owners of Flex Mobile Ltd T/A Poor Credit Mobiles business and consumer SIMS. In these circumstances we would require them to keep it confidential.
viii) where required by law, regulation or legal proceedings;
ix) where we believe it is necessary to protect Flex Mobile Ltd T/A Poor Credit Mobiles or third party rights and property; or
x) where you give us false or inaccurate information and we identify or suspect fraud.
xi) Where we, or an affiliate processing your data on our behalf, are compelled to do so by law;
xii) in response to a valid, legally compliant request by a competent authority;
xii) during emergencies when we believe physical safety is at risk;
xiv) where the service is moderated; or
xv) in response to a complaint that that there has been a breach of the services terms & conditions or any other product or service terms of which you have been notified.
4.2 Additional terms and conditions may be presented when signing up for specific products and services.
5.Security Matters
5.1 Flex Mobile Ltd T/A Poor Credit Mobiles recognise that you may be concerned about how we would protect your personal information from misuse and abuse. Flex Mobile Ltd T/A Poor Credit Mobiles is constantly reviewing and enhancing our technical, physical and managerial procedures and rules to protect your personal data from unauthorised access, accidental loss and/or destruction.
5.2 Where we have contracted with a third party to provide some part of a service that you have requested, we will ensure that those agents, by written agreement, are required to implement similar security measures and will process your information only as authorised by Flex Mobile Ltd T/A Poor Credit Mobiles to fulfil the service that they have been contracted to provide on our behalf. Those third parties will not be entitled to use your personal data for their own purposes.
5.3 Please be aware that communications over the Internet, such as emails/ webmails, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered, this is the nature of the World Wide Web/Internet. Flex Mobile Ltd T/A Poor Credit Mobiles cannot accept responsibility for any unauthorised
6.Retention of Information
6.1 Flex Mobile Ltd T/A Poor Credit Mobiles recognise that you may be concerned about how we would protect your personal information from misuse and abuse. Flex Mobile Ltd T/A Poor Credit Mobiles is constantly reviewing and enhancing our technical, physical and managerial procedures and rules to protect your personal data from unauthorised access, accidental loss and/or destruction.
i) User ID and telephone number allocated to any communication entering the public telephone network;
ii) Name and address of subscriber to whom an Internet Protocol (IP) address, user ID or telephone number was allocated at the time of a communication;
iii) User ID or telephone number of the recipient of an Internet telephony call;
iv) Name and address of subscriber and user ID of the intended recipient of a communication;
v) Date and time of log-in and log-off of our Internet access service, IP address and user ID of the subscriber;
vi) Internet service used.
7.Accessing Your Information
7.1 If you are a Registered Customer, you may verify, update or amend the personal information you have provided to Flex Mobile Ltd T/A Poor Credit Mobiles online at any time through My Account on our web site.
7.2 We can supply certain types of personal information on request: including but not limited to billing, name and address, aggregated phone usage. Requests should be made in writing and include your name, mobile telephone number and proof of your identity (such as a photocopy of your passport, birth certificate or driving licence) and address (for example, a copy of a utility bill or bank statement), and the information you require. If we hold any inaccurate information about you, please tell us and we will correct it.
8.Changes To This Policy
We will keep this policy under review and any changes made from time to time will be posted on this page.
9.Security And Protection Of Customer Information
9.1 Security
i) Passwords You must not share your password for any message services or portal access. Your passwords and the answers to secret questions are your responsibility, and must not be disclosed to any third party. This is also important for your own protection.
ii) Data Security Procedures We are constantly reviewing our procedures to protect your personal data from unauthorised access, accidental loss and/or destruction. We may employ third parties to provide services on our behalf. In such cases, if they collect any data on their own behalf it will be covered by this policy unless they inform you that they provide their own privacy policy. We do endeavour to ensure that any partners we use apply the same high standards of privacy and security over your information. However, we advise you to read their policy carefully.
iii) Security of Communications
iv) Media Messaging
Any Media Messages you send to an email address, including Media Messages from your phone and messages may include personal details such as your registered first name and last name, your phone number or email address which will be displayed in the 'from' field of the message.
9.2 Non-EEA Use of Information The information you provide to us may be passed to third parties located outside the European Economic Area. Countries outside the European Economic Area do not always have strong data protection laws. How ever we will always take steps to ensure that your information is used by third parties in accordance with this policy.
Additional terms and conditions may be presented when signing up for specific products and services.
9.3 Marketing Information from Third Parties If you choose to receive marketing information from other companies, we will only disclose your personal information to these companies where they have undertaken not to use your personal information for any purpose other than to provide information to you or other uses to which you have agreed. If you decide that you no longer want to receive information from a particular company, you should contact that company directly. You should be aware that if you subsequently give any personal information to another company, the uses to which that information may be put will be determined by that company's privacy policy.
We use information held about you in the following ways:
1. To process and submit your Application Form to lenders and credit brokers and other financial providers to apply for the funds you have requested; these companies may contact you by phone, email, SMS or MMS.
2. To provide you with the best possible service;
to ensure that content from our websites is presented in the most effective manner for you and for your computer;
3. To notify you about changes to our products and services;
4. We and third parties to whom you agree we may send your data may also use it for marketing purposes to provide you with data about goods and services which may be of interest to you, and we may contact you about these by phone, SMS, MMS and E- mail subject to the preferences you select when opting in (please see our section on Direct Marketing for further information).
Our lenders with whom we share your information may use it for their legitimate business interests to match applications, carry out fraud checks, carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they offer to you or other individuals in the future. Most lenders might use this for up to 12 months.
The following is a list of lenders and/or brokers to whom we may send your personal information:
Loan Machine Limited
Media Blanket Limited
Hamilton Digital Solutions Limited
T Dot UK Limited
Quint Group Limited
Sandhurst Associates Limited
Bizfella Ltd
Aspire Money Limited
Silver City Tech Limited
Stop Go Networks Limited
Mindflow Marketing Limited
TFLI Limited
1plus1Loans
247 Moneybox
Buddy Loans
Amigo
Bamboo
Talk Loans
Pounds to Pocket
Quick Quid
Wageday Advance
Juo Loans
Piggy Bank
Sunny
Everyday Loans
Trust two
Selfy Loans
Ferratum
Lending Stream
George Banco
The Money Platform
H & T Money
Steps to ne Credit
Safety Net Credit
Lead Byte
Credit Perfect
Loans 2 Go
Guarantor My Loan
Swift Sterling
Mobile Money
Dot Dot Loans
Morses Club
My Jar
Next Credit
Express Finance Limited
Cash 4 U Now
Mr Lender
Provident Personal Credit limited trading as Provident and Satsuma Loans, Registered Office: 1 Godwin Street, BD1 2SU. Email: customerrelations@provident.co.uk
UK Credit Ratings
Quid Market
TFS Loans
The 1st Stop Group
The Quick Loan Shop
TM Advances
THL Direct
Trusted Quid
UK Credit
Uncle Buck
Savvy Benefits Card
Cashfloat
Total Home Loans
Response Funding
Choose Wisely Limited
IMT Technologies Limited
Interlincx
Match The Cash Limited
The Money Platform
Trusted Cash Limited
Season Marketing Limited
TM Advances Limited
Forefront Solutions Limited
Hymarc Ltd
Western Circle Ltd
William Ellis Sinclair (ZA033005)
Fuel Ltd
As part of your application for a loan, we will share your personal data with Monevo Limited (a regulated credit broker) who will then share your data with the members of its lender panel to try and find you a loan. Monevo may also share your personal data with Trans Union (formerly Call credit) & other credit bureaus for the purposes of matching you to a lender. Full information as to how they process your personal data and your rights can be found here https://privacy.monevo.com/uk/privacy-policy.
ESL Consultancy Services Ltd trading as Smart-loans.uk, quick-cash.co.uk, quickcashmoney.co.uk, trustedloans.co.uk and beeloan.uk