Privacy & Cookie Policy

This policy describes how we use personal data you may provide us when you use our website (www.time4advice.co.uk) or our CURO application, purchase services from us or by corresponding with us by email or by phone.  We have provided this policy to ensure that you understand what personal data we may collect and hold about you, what we may use it for and how we keep it safe.  You have legal rights to access the personal data that we hold about you and to control how we use it which are also explained.

You can read, print and save this whole policy.

Who we are and how you can contact us

We are Time For Advice Limited, company Registration No.07223162.  Our registered office address is at 29 Clement's Lane, London EC4N 7AE.  

You can contact us in writing at; Time For Advice Limited, St. George's Works, 51 Colegate, Norwich, Norfolk, NR3 1DD or by completing the online enquiry form on our website; https://www.time4advice.co.uk/contact.

If you would like to discuss our privacy policy or have a question on compliance, please email datacompliance@time4advice.co.uk. Alternatively, if you would like to speak to us please call us on 0800 032 3774.  

Please refer to the sections on 'Your rights to know what personal data we hold and to control how we use it' and 'How to make a complaint for further contact information'.

What personal data we collect about you

We collect:

• Personal data that you provide to us.  There are lots of ways in which you may share your personal data with us, for example, you may register on our website, post on social media sites that we run or contact us in connection with services that you would like to buy, or have already bought, from us. The personal data that you provide to us may include your name, address, e-mail address and phone number, financial and credit card information, your employer’s name, your employers address and your employer's phone number.

• Personal data that we receive from third parties.  If we work with other businesses or use sub-contractors these parties may collect personal data about you which they will share with us.  For example, we may have your name and contact details passed to us by a consultancy business that refers you to us so that we can provide you with our services or receive feedback from a sub-contractor we have instructed to help us provide you with services that you have requested, for example the document generation company we use to integrate functionality into our CURO application may provide us with reporting and licencing information.

• Personal data about your use of our website and our CURO application.  This is technical information and includes details such as your IP address, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, as well as details of how you navigated to our website and where you went when you left, what pages or products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and any phone number used to call our customer service number.

What we use your personal data for

We use your personal data in the following ways:

Personal data that you provide to us is used to:

• To carry out our obligations arising from any contracts entered into between you and us and to provide you with the information and services that you request from us.

• Provide you with marketing information in accordance with your marketing preferences (see How we use your personal data for marketing).

• Manage and administer our business.

• To notify you about changes to our service.

• Review and improve our goods and service.

Personal data that we receive from third parties is combined with the personal data that you provide to us and used for the purposes described above.

Personal data about your use of our website and our CURO application is used to:

• Administer our website and CURO application for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.

• To improve our website and CURO application to ensure that content is presented in the most effective manner for you and for your computer or mobile device.

• To allow you to participate in interactive features of our when you choose to do so.

• As part of our efforts to keep our site safe and secure.

• To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.

• To make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.

Cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our website. For detailed information on the cookies we use and the purposes for which we use them see our Cookie Policy at the end of this page.

When we need your consent to use your personal data

Whilst we always want you to be aware of how we are using your personal data, this does not necessarily mean that we are required to ask for your consent before we can use it.  In the day to day running of our business we may use your personal data without asking for your consent because:

• We are entering into and carrying out our obligations under a contract with you.

• We need to use your personal data for our own legitimate purposes (such as the administration and management of our business and the improvement of our services) and our doing so will not interfere with your privacy rights.

In exceptional circumstances, we may wish to use your personal data for a different purpose which does require your consent.  In these circumstances, we will contact you to explain how we wish to use your data and to ask for your consent.  You are not required to give consent just because we ask for it.  If you do give consent you can change your mind and withdraw it at a later date. 
Please refer to the section on 'How we use your personal data for marketing' to read about marketing consents.

Personal data you are legally obliged to provide

You are not under a legal obligation to provide us with any of your personal data but please note that if you elect not to provide us with your personal data we may be unable to provide our goods or services to you.

Your rights to know what personal data we hold and to control how we use it

You have a legal right to know what personal data we hold about you - this is called the right of subject access.  You can exercise this right by sending us a written request at any time. Please mark your letter “Subject Access Request” and send by post or email using the details in the 'Who we are and how you can contact us' section.   

You also have rights to:

• Prevent your personal data being used for marketing purposes (see 'How we use your personal data for marketing' for further details).

• Have inaccurate personal data corrected, blocked or erased.
• Object to decisions being made about you by automated means or to your personal data being used for profiling purposes.

• Object to our using your personal data in ways that are likely to cause you damage or distress.

• Restrict our use of your personal data.

• Require that we delete your personal data.

• Require that we provide you, or anyone that you nominate, with a copy of any personal data you have given us in a structured electronic form such as a CSV file.

You can find full details of your personal data rights on the Information Commissioner’s Office website at www.ico.org.uk.

Automated decision making and profiling

We do not make any use of use automated decision making or profiling.

When we will share your personal data with others

We share your data with the following people in the day to day running our business: 

• Any business partners, suppliers and sub-contractors we work with to provide you with goods or services that you have requested from us including MYCRM, Rackspace and Ring Central.

• Advertisers and advertising networks (see 'How we use your personal data for marketing' for more information).

• Analytics and search engine providers that assist us in the improvement and optimisation of our site and our CURO application.

• Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.

We may also share your personal information with third parties on a one-off basis, for example, if:

• We sell or buy any business or assets (including our own), in which case we will disclose your personal data to the prospective seller or buyer of such business or assets.

• We are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our website terms of use or our terms of business, Curo subscription agreement and other agreements; or to protect the rights, property, or safety of our customers, ourselves or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

How we keep your personal data safe

We take every care to ensure that your personal data is kept secure.  The security measures we take include: 

• Only storing your personal data on our secure servers.

• Ensuring secure authentication systems are in place to access your data.

• Encrypting your personal data when it is in transit by using SSL technology.

• Taking regular backups of your database.

• Ensuring that our staff receive regular data security awareness training.

• Keeping paper records to a minimum and ensuring that those we do have are stored in locked filing cabinets on our office premises.

• Maintaining up to date firewalls and anti-virus software to minimise the risk of unauthorised access to our systems.

• Enforcing a strict policy on the use of mobile devices and out of office working.

• Encrypting any payment transactions made through our website using SSL technology.

Please remember that you are responsible for keeping your passwords secure. If we have given you (or you have chosen) a password which enables you to access certain parts of our website or CURO application, you are responsible for keeping this password confidential. Please do not to share your passwords with anyone.

Unfortunately, sending information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of personal data sent to our website; you send us personal data at your own risk. Once we have received your personal data, we will use strict procedures and security features (some of which are described above) to try to prevent unauthorised access.

How we use your personal data for marketing

We will add your details to our marketing database if:

• You make an enquiry about our services or request a demonstration.

• You buy our goods or services.

• You have told a third party that you would like them to pass us your contact details so that we can send you updates about our services.

• You have registered an account on our website and have indicated during the sign-up process that you are happy to receive marketing communications.

We may send you marketing communications by email, telephone or post.

You can ask us to only send you marketing communications by particular methods (for example, you may be happy to receive emails from us but not telephone calls), or you may ask us not to send you any marketing communications at all.

We may ask you to indicate your marketing preferences when you submit your details on our website forms.  You can check and update your current marketing preferences at any time by calling or emailing us using the details set out in the 'Who we are and how you can contact us' section above.

We never share your personal data with third parties for marketing purposes.

We also undertake business-to-business marketing which includes:

• Using a third party called Lead Forensics to cross-reference your IP address against their database to identify your company, web address, industry and number of visits to the site (we do not and cannot identify you as an individual).

• Using profiling to identify those firms that are providing financial advice in the UK and register as leads for further communication about our services.

When we will send your personal data to other countries

Your personal data may be transferred to, and stored at, a destination outside the European Economic Area ("EEA") by us or by our sub-contractors.  Where we, or our sub-contractors, use IT systems or software that is provided by non-UK companies, your personal data may be stored on the servers of these non-UK companies outside the EEA.  We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. 

We use:

How long we keep your personal data

We only keep your personal data for as long as we actually need it.  In practice this means that we will keep:

• Personal Data for Marketing e.g. Your name and contact details entered onto our websites online enquiry form will be kept for 1 year. Before the end of this 12-month period we will make contact to seek another year consent for keeping you personal Data for marketing as well as providing you the choice to opt out and have your data removed. 

• Personal Data for our customers e.g. if you have bought goods or services from us we will need to keep your personal data for 7 years from the end of your subscription agreement for business accounting and administrative purposes. 

• Personal Data you store in CURO (unless deleted by you) will be kept as long as you have an active subscription agreement with Time4Advice Ltd. Your CURO database will only be delete by us once you have terminated your subscription agreement with Time4Advice Ltd and have confirmed receipt of your data extract.

• A record of the goods and services (including a copy of your full customer file) we provide to you for 7 years from the end of your subscription agreement.

• Complaint records are kept for two years from the date of last correspondence.

Please note that we may anonymise your personal data or use it for statistical purposes. We keep anonymised and statistical data indefinitely, but we take care to ensure that such data can no longer identify or be connected to any individual.

How you can make a complaint

If you are unhappy with the way we have used your personal data please contact us to discuss this using the contact details set out in the 'Who we are and how you can contact us' section above.

You are also entitled to make a complaint to the Information Commissioner’s Office which you can do by visiting www.ico.org.uk.  Whilst you are not required to do so, we encourage you to contact us directly to discuss any concerns that you may have and to allow us an opportunity to address these before you contact the Information Commissioner’s Office.

How we keep this policy up to date

We will review and update this policy from time to time. This may be to reflect a change in the goods or services we offer or to our internal procedures or it may be to reflect a change in the law.  

The easiest way to check for updates is by looking for the latest version of this policy on this page of our website or you can contact us (see Who we are and how to contact us) to ask us to send you the latest version of our policy.

Each time we update our policy we will update the policy version number shown at the end of the policy and the date on which that version of the policy came into force.

This is policy version 2.0 which came into effect on 25th May 2018.

Cookie Policy

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.

We use the following cookies:

• Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
• Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website 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 website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
• Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the 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:

Please note that third parties (including, for example, providers of external services like web traffic analysis services or social media services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

You 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.

Except for essential cookies, all cookies will expire after 30 minutes or, for session cookies, once the browser window is closed except for Google Analytics cookies which expire after two years.