Frasers Plus Credit Privacy Policy

Frasers Plus

Credit Privacy Policy

We view the security of our customers data as paramount. Any personal data about you and from which you can be identified is stored securely

and confidentially and is processed in accordance with applicable legislation (including the UK General Data Protection Regulation, the Data

Church Bridge House, Henry Street, Accrington, United Kingdom, BB5 4EE. Our company number is 00718151. We are the regulated lender for

Frasers Plus, which means we are authorised to make, or take assignments of, regulated consumer lending as part of our regular business

activities.

Frasers Group Financial Services Ltd. is the data controller in respect of personal data collected in connection with Frasers Plus. Our ICO

registration number is ZB553878. If you have any queries regarding our use of personal data or this Credit Privacy Policy, you can email

data.protection@frasers.group or write to Data Protection, Church Bridge House, Henry Street, Accrington, United Kingdom, BB5 4EE.

Frasers Group Financial Services Ltd. is also the data controller in respect of the Frasers Plus Loyalty Scheme. Please note that there is a separate

Loyalty Privacy Policy for the Frasers Plus Loyalty Scheme, which you can access here.

Frasers Plus Credit Privacy Policy

• profile data such as your password, purchase information, your interests and preferences, your feedback and survey responses and social

media data (for example handles);

• technical data such as your IP address, login data, time zone information, browser type and version, operating system and platform and

technology and devices used for accessing Frasers Plus;

• usage data about how you use our products and services;

• call data such as call logs and recordings; and

• marketing and communications data.

We may also collect and process aggregated data, such as statistical or demographic data. For example, we may aggregate your usage data to

calculate the percentage of users accessing a specific app feature. We may use this data for the same purposes as set out below.

In some cases, the personal data we process is provided to us directly by you, for example, the personal data you share with us in your application

Frasers Plus Credit Privacy Policy

• to provide, run, administer and maintain the Frasers Plus product, your Frasers Plus account and any related products or services (e.g.

the Frasers Plus app);

• to make assessments of your eligibility for Frasers Plus;

• to make lending decisions in accordance with our internal policies, principles, and regulatory obligations;

• to meet our legal, regulatory and compliance requirements (e.g. in relation to financial crime and anti-money laundering);

• to process payments and handle transactions;

• for debt tracing and recovery;

• to detect and prevent fraudulent transactions and/or any other criminal activity (we may pass your details to a third party to carry out

these functions);

• to provide information to, and receive information from, credit reference agencies and other third parties who help us to operate and

Frasers Plus Credit Privacy Policy

• to analyse and improve the Frasers Plus product, your Frasers Plus account and any related products or services (e.g. the Frasers Plus

app);

• to support the sale, transfer or merger of part or all of our business or assets;

• to manage our business;

• where relevant, for the establishment, exercise or defence of legal claims; and

• to keep our network safe and secure.

Please note that in some cases, we may undertake automated decision-making (including profiling), meaning that a decision about you is made

by automated means and without human involvement. We may make a decision either entirely or partially based on automated processes. This

• assess any risks of fraud and money laundering (for example, checking whether you are on any sanctions lists); and

• make a decision as to whether to accept or decline your application for Frasers Plus.

Frasers Plus Credit Privacy Policy

•

We use automated decision-making processes because it helps us to:

• make more informed, responsible and efficient decisions about lending;

• grant you fair and unbiased treatment based on consistent and uniform criteria;

• reduce the potential harm derived from human error, personal bias, discrimination and abuse of power; and

• reduce the risk of you failing to meet your obligations under your agreement with us (for example, failing to meet payments).

Decisions made via automated decision-making may have legal or other significant effects on you – for instance, a significant effect might be

that we may decline your application for Frasers Plus. Where you are subject to automated decision-making processes, you are entitled to

data:

• where you have given us consent to use it – you are able to withdraw your consent at any time, by contacting us in accordance with 'How

to contact us or complain' below;

• where it is necessary to perform an agreement we have entered into with you, or to take steps at your request prior to entering into an

agreement with you;

• where necessary for compliance with our legal obligations; or

Frasers Plus Credit Privacy Policy

• where it is necessary for our legitimate interests (or those of a third party), including in managing and operating our business, where

these are not overridden by your rights and interests.

necessary in relation to the purpose.

If we are legally required or if it is reasonably necessary to meet regulatory requirements, resolve disputes, respond to any questions, complaints

or claims made by you or on your behalf, prevent fraud and abuse, keep records required by law or enforce our terms and conditions, we may

also retain some of your personal data for a limited period of time, even after you have closed your account.

We will retain your personal data for a short time beyond the specified retention period, to allow for information to be reviewed and any deletion

to take place.

Frasers Plus Credit Privacy Policy

or controlled by Frasers Group plc.

following types of third party:

such as assessing your creditworthiness, verifying the accuracy of the data you have provided to us, managing your account and tracing

and recovering debts;

• FPAs which perform identity checks on you during your application for Frasers Plus and when you place new orders using your Frasers

sending you service or marketing communications);

• Analytics and research service providers who assist us in profiling, analysing and interpreting data;

• Retailers who offer the Frasers Plus product or accept the Frasers Plus Loyalty Scheme ("Frasers Plus Retailers");

• Our (and the Frasers Group's) technology and payments services providers;

• Our (and the Frasers Group's) professional advisers, including, without limitation, our insurers; and

Frasers Plus Credit Privacy Policy

• Our (and the Frasers Group's) suppliers, business partners and sub-contractors.

In the event that we were to sell our business or assets, we may disclose your personal data to any prospective/actual purchaser and/or their

advisers.

We may disclose and exchange information with law enforcement agencies, government authorities and regulatory bodies to comply with our

legal and regulatory obligations.

We may also disclose your personal data where we are subject to a legal obligation to do so in connection with the prevention or detection of

crime, for the purpose of establishing, exercising or defending our legal rights, or where we consider that we receive a valid request for disclosure.

Some of these third parties may be based outside the UK or European Economic Area ("EEA"). For more information, including on how we

safeguard your personal information when this occurs, see below: ‘International transfers of your personal data’.

Frasers Plus Credit Privacy Policy

We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected

Marketing and promotional communications

and services, including exclusive offers, promotions or new products and services – for more information, including on how to opt out of

promotional communications, please see the Loyalty Privacy Policy here.

International transfers of your personal data

The personal data that we process may be transferred to, and stored outside, the UK or EEA. It may also be processed by staff operating outside

the UK or EEA who work for us or for one of our suppliers or third party providers. Where we do so, the third country’s data protection laws will

safeguards are in place. If you wish to receive a copy of these safeguards, please contact us in accordance with 'How to contact us or complain'