Our privacy policy

This website is operated and controlled by Scotcash CIC, a community interest company registered at Companies House and having its main office at 55 High Street, Glasgow, United Kingdom G1 1LX.

In terms of the Data Protection Act 1998, Scotcash (referred to in this privacy policy as "Scotcash", "we" or "us") is the data controller of personal data (information relating to identifiable living individuals) collected or obtained by or through this website.

Any personal data collected through this website will be treated as confidential under the principles of the Data Protection Act 1998.

Scotcash is registered under the Data Protection Act 1998 and as a data controller (notification number Z9425798); the register entry can be inspected at http://www.ico.gov.uk/

We will only collect information from you which will assist us in determining your eligibility for a loan or other service requested. We will not keep your personal data for longer than necessary to provide the service, or as required by law.

We will use the information you provide to determine your eligibility for a loan or other service requested. When you submit your details for online application we use SSL encryption to protect your information.

The site does not automatically capture or store personal information, other than logging the user's IP address and session info such as the duration of the visit and the type of browser used.

This site uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). 

Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.

Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.  Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf.

Google will not associate your IP address with any other data held by Google. 

You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website.  
 
By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Please see information below for an explanation of what cookies will do.

You are not required to provide us with viewing access to your bank account transaction information (Transaction History) or internet banking access details.  You may still be allowed to apply for a loan with us if you do not provide us with this information. However, if you do it will help us make an informed decision about whether we can lend to you.

If you agree that we may access your Transaction History the following provisions shall apply.

Provide Accurate Information. You, agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information. You agree to keep your bank account information up-to-date, accurate and complete. 

Purposes. We will access your Transaction History using the services of a credit reference agency called Perfect Data Solutions Limited (PDS). We will use your Transaction History to assess your creditworthiness and whether the loan you seek is affordable.

Neither we nor PDS will store or have access to your internet banking credentials, PIN codes or passwords. That information is encrypted in transit and stored by a third party service provider upon their servers in a secure environment outside the EEA.

Third Party Accounts. By agreeing to allow us viewing access to your Transaction History, you authorise PDS and PDS's service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days.  You agree that PDS and PDS's service providers may, and are instructed by you as your agent and nominated representative, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. This will include the following purposes: copying Transaction History over a 90 day period and storing the copied Transaction History on our servers. 

You agree that the Transaction History shall also be used by PDS for credit reference agency purposes and may be taken into account when producing your individual credit score which may be shared with other organisations as part of your credit record.

You acknowledge and agree that when we, PDS or PDS's service providers access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). You should be aware that third party account providers shall be entitled to rely on this authorisation and agency granted by you.  You should also be aware that this service is not endorsed or sponsored by any third party bank account providers. We would recommend that you refer to the terms and conditions of your internet banking provider if you would like more information.

You understand that allowing us to review your Transaction History is at your sole risk.

We are only able to review your Transaction History on an "as is" and "as available basis" as it is made available to us by service providers. It may not be available to us from time to time.

We cannot guarantee that allowing us to review your Transaction History will guarantee the success of your loan application or the rate at which the loan is available. 

Scotcash does not sell or rent your personal information to third parties. We may make information available to tax and law enforcement authorities in particular cases, as required or permitted by law. 

The information provided on this website is believed to be accurate at the time of writing but Scotcash accepts no liability for the contents and anyone relying on these contents does so at their own risk. Nothing on this website is to be construed as binding Scotcash or constituting an offer on behalf of Scotcash.

This privacy policy only covers the Scotcash Website at www.scotcash.net. Links within this site to other websites are not covered by this policy and individuals should check the terms of the privacy policy of those other sites for their terms. Scotcash is not responsible for the content of external websites.

Any changes to this Privacy Policy will be posted on this Website.

Summary of terms

Browser
Used to locate and display Web pages via a software application. The most popular ones are Microsoft Internet Explorer and Netscape Navigator or Mozilla Firefox.

Cookie
Message given to a web browser by a Web server. The message is then stored by the browser in a text file called cookie.txt. Each time the browser requests a page from the server, this message is sent back. A cookie's main objective is to identify users and personalise their visit by customising web pages for them for example by welcoming them by name next time they visit the same site. A site using cookies will usually invite you to provide personal information such as your name, e-mail address and interests.  

IP (Internet Protocol)
All networks connected to the internet speak IP, the technical standard which allows data to be transmitted between two devices. TCP/IP (Transmission Control Protocol/Internet Protocol) is responsible for making sure messages get from one host to another and that the messages are understood.

IP Address
If you are connected to the Internet you have one; it may look something like this: 198.184.98.9.

Web Server
Delivers (serves up) web pages to your computer.