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This privacy policy applies to www.wageme.com owned and operated by WageMe.com Ltd (Henceforward “WageMe”, “We”, “Us”). This privacy policy describes how WageMe collects and uses the personal information you provide on our web site. We understand that your privacy is extremely important to you.

As a result we have put in place a number of measures to ensure that any personal data we obtain from you visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1998. This statement provides you with details of the type of information we may hold about you, how we obtain and use any information and how we protect your privacy.

WageMe.com Ltd has been awarded Privacy Seal signifying that this privacy policy and practices have been reviewed by for compliance with program requirements including transparency, accountability and choice regarding the collection and use of your personal information.

The program covers only information that is collected through this Web site www.wageme.com and its various forms and subdomains.

1. Obtaining Information

2. Use of collected information

3.Sharing your information with third parties

4. Credit reference & fraud prevention agencies

As a responsible lender, Wageme.com has a legal obligation to take steps to ensure that our customers are creditworthy.

We use a variety of methods to try to make sure that we do not lend money to people who are in financial difficulty. One of these is to carry out a credit reference check. In order to do this, we shall pass the personal data that you provide to us in your loan application to a credit reference agency (CRA) called Perfect Data Solutions Limited which trades as Lending Metrics. Lending Metrics provide us with data about a customer's credit history and borrowing habits. You can contact Lending Metrics at Lancaster Court, 8 Barnes Wallis Road, Fareham, Hampshire, PO15 5TU in writing to request the information that they hold about you (please note, a small statutory fee may be payable).

Important - Your Personal Information

Credit decisions and also the prevention of fraud and money laundering We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the section called: A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies. By confirming your agreement to proceed you are accepting that we may each use your information in this way.

5. Use of your information outside of the UK

6. How long do we keep your information?

7. Keeping you informed

8. Accessing personal information we hold about you

9. Update your details/preferences

10. Security and confidentiality

11. Use of Cookies

12. Links to other sites

13. Testimonials

14. Sensitive information

15. Telephone calls

16. Changes to this privacy policy

17. Contact Us

A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies

1) When you apply to us to open an account, this organisation will check the following records about you and others (see 2 below)

We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.

3) Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

4) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

5) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.

6) Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

How to find out more

This is a condensed version and if you would like to read the full details of how your data may be used please visit our website at www.wageme.com or phone 02079930742 or ask one of our staff.

By ticking the tick box to confirm that you have read and accept the wageme.com Privacy Policy, you give your consent to your personal data being used in this way.