This Data Protection and Privacy Statement relates solely to information supplied by you on this Web Site. Ngao Credit Limited, the Data Controller, respects the privacy of your personal information and will treat it confidentially and securely.
Any personal information provided by you to Ngao Credit Limited through this Web Site shall be used for the purpose of providing and operating the products and services you have requested on this Web Site and for any other related purposes which may include updating and enhancing Ngao Credit Limited’s understanding of your financial needs, conducting credit checks, reviewing credit worthiness, advising you on other products and services which may be of interest to you, for purposes required by law or regulation, and to plan, conduct and monitor Ngao Credits Limited’s business. The information collected from you by Ngao Credit will be valuable in improving the design and marketing of our range of services and related products for customer use.
If you are providing your details in connection with an application for employment, please refer to our “Data Protection and Privacy Statement – Job Applicants” which will be displayed when you apply (see our ‘Careers’ page). This Policy will not alter or affect any information otherwise provided by you to Ngao Credit Limited.
Ngao Credit Ltd undertakes that it will not share your details to any external body unless Ngao Credit Ltd has your permission or is under a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:
Ngao Credit Ltd will ensure that parties to whom your details are transferred treat your information securely and confidentially. Ngao Credit Limited also pledges its intention to fully meet any internationally recognized standards of personal data privacy protection and to comply with applicable data protection and privacy laws. We may transfer your information if it is necessary to perform our contract with you and by providing details to Ngao Credit Limited via this Web Site you are deemed to consent to any other transfers.
Information held about you shall retained for as long as the purpose for which the information was collected continues. The information shall then be destroyed unless its retention is required to satisfy legal, regulatory or accounting requirements or to protect Ngao Credit Limited’s interests. As a general rule, the maximum retention period is 7 years.
Cookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored. For further information, please refer to your Internet browser software instructions or help screen. Alternatively, information on deleting or controlling cookies is available at www.allaboutcookies.org
In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorized activities, Ngao Credit Limited reserves the right to monitor all internet communications including web and email traffic into and out of its domains.
You may have the right under data protection legislation on payment of a fee to request access to personal information about you held by us and to have it corrected where appropriate. If you have that right and you wish to access, correct or delete any of your personal data held by us, or if you have any questions concerning our Data Protection and Privacy Statement please contact Ngao Credit Ltd on 0709 650 000. You may also have the right to access details held by credit reference agencies and Ngao Credit Limited will supply details of the relevant agencies upon request
In providing your telephone, facsimile number, postal and e-mail address or similar details, you agree that Ngao Credit Limited may contact you by these methods to keep you informed about Ngao Credit Limited products and services or for any other reason. If you prefer not to be kept informed of Ngao Credit Ltd products and services, please contact Ngao Credit Limited by email.
Ngao Credit Limited reserves the right to amend its prevailing Data Protection and Privacy Statement at any time and will place any such amendments on this Web Site. This Data Protection and Privacy Statement is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on Ngao Credit Limited in respect of any other party or on behalf of any party.
Your continued access or use of the Website after any modifications have become effective shall be deemed your conclusive acceptance of the modified Data Protection and Privacy Statement. Data Protection and Privacy Statement reserves the right to temporarily or permanently modify or discontinue the Website, or any portion of the Website, for any reason, at our sole discretion, and without notice to you.
ALL INFORMATION PROVIDED ON THIS SYSTEM IS PROVIDED “AS IS”.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NGAO CREDIT LIMITED BE LIABLE TO ANY PERSON FOR ANY GENERAL, DIRECT, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENTED.