Privacy Policy

• Questions, queries, or feedback you leave via this Website, including your email address if you contact us;
• Your email address and subscription preferences when you sign up to our email alerts, and how you use our emails – for example, whether you open them and which links you click on;
• Your Internet Protocol (IP) address, device specific information, and details of which version of web browser you used; and
• Information on how you use this Website: we collect that data using cookies and page tagging techniques.

If you would like to learn more about what personal data we hold and what processing we do in respect of that data, please contact us at PM_DPO@pepper.money and we will be happy to provide you with the relevant information.

The data we collect can only be accessed by authorised people in Pepper Money Group and selected third parties who provide us with website support and development services (and their sub-contractors and representatives).

Other than to the above, we do not disclose your personal information to third parties, except as described in this Policy.

We will not move or store your data outside of the European Economic Area (EEA) without your consent.

We may use your personal information to improve the content and functionality of our Website (such as to determine pages of the Website visited by users, and the frequency of such visits).

In order to process and use your personal information in accordance with this Privacy Policy, we rely on the legal basis that such processing is necessary for the purposes of legitimate interests pursued by Pepper Money Group. We monitor website usage and functionality to ensure the website provides visitors with the best possible experience.

Other than for telephone call recordings (see below), your data will be kept for 26 months from the end of the month on which you visited this Website.

We may collect information about your computer, including – where available – your IP address, operating system, and browser type, for system administration. This is statistical data about our users’ browsing actions and patterns. 

We use Google Analytics tools. Any use that Google makes of data collected will be governed in accordance with the Google Privacy Policy. For more information please refer to policies.google.com/privacy.

We use cookies to enhance your browsing experience. By analysing how the site is used, we can troubleshoot any problems and serve content which we believe will improve site experience.

What cookies do we use?

Cloudflare

__cfduid, __cfduid

Used to manage the load on our servers.
Category: Necessary
Host domain: cloudflare.com

Google Analytics

_ga, _gat, _gid

Analyses web traffic enabling us to monitor site usage across multiple devices and browsers for the purpose of optimizing your experience on the site.
Category: Analytics
Host domain: pepper.money

Marketo

BIGipServer#, _mkto_trk, webevents/visitWebPage

Used to track all individuals who visit our website so we can react to their visits with automated marketing campaigns.
Category: Marketing
Host domain: pepper.money

Monsido

https://tracking.monsido.com/, monsido

Used to help us find, identify and correct spelling errors and improve the quality of this Website
Category: Analytics
Host name: pepper.money

Pepper.money

AI_buffer, AI_sentBuffer, ARRAffinity, ASP.NET_SessionId, ai_user, ai_session, AITR_ClientPerformanceMathError, TiPMix

Used to effectively manage traffic to the Website
Category: Necessary
Host domain: pepper.money

VWO

_vwo_uuid_v2, v.gif

Used by our Website to collect information about how visitors interact with the site. This information is used to improve the site. All information collected is in an anonymous form.
Category: Analytics
Host domain: https://dev.visualwebsiteoptimizer.com

Youtube

GPS, PREF, VISITOR_INFO1_LIVE, YSC, yt-remote-cast-installed, yt-remote-connected-devices, yt-remote-device-id, yt-remote-fast-check-period, yt-remote-session-app, yt-remote-session-name

Used by our website to track usage of videos embedded onto our site – they’re only installed when you press play on a video.
Category: Functional
Host domain: youtube.com

This Website may contain links to websites of third party companies and organisations that are not controlled by, under common control with, or otherwise related to Pepper Money Limited. Each such company and organisation will have its own privacy policies and fair processing notices posted on its website and you should review the relevant policies and notices for each such website you access.

You have various rights in respect of your information, each of which can be exercised free of charge. In summary, those include rights to:

• access the personal information we hold about you;
• require us to correct any mistakes in your personal information which we hold;
• require the erasure of personal information concerning you in certain situations;
• receive the personal information concerning you which you have provided to us, in a structured, commonly used and machine-readable format and require us to transmit those data to a third party in certain situations;
• object in certain other situations to our continued processing of your personal information; and/or
• otherwise restrict our processing of your personal information in certain circumstances.

If you would like to exercise any of these rights, please contact us at PM_DPO@pepper.money.

We may amend this Privacy Policy at any time and will post the revised policy on this page. Please review this page periodically for any such amendments. This Privacy Policy was last updated on 28 June 2019.

Please note that we or members of our Group Companies may record or monitor telephone calls for quality control and training purposes. In the event of such recordings being made, the content of those recordings may constitute your personal information. Such data will be processed in accordance with this Privacy Policy and kept for 4 years from the date of the call.

If you have any questions or complaints relating to this Privacy Policy or how we use the personal information we have about you, please contact us at PM_DPO@pepper.money. We will endeavour to respond to you promptly.

If you believe our processing of your personal information does not comply with applicable data protection law, you can make a complaint to the UK Information Commissioner’s Office who may be contacted at ico.org.uk/concerns or telephone: 0303 123 1113.

Credit Reference Agencies have drafted a notice called ‘Credit Reference Agency Information Notice’ (CRAIN). This document describes how the three main credit reference agencies Callcredit, Equifax and Experian, each use and share personal data sets out how your data will be processed by Callcredit, Equifax and Experian.