Privacy Policy

This Policy sets out how Cabot Financial (Europe) Limited uses and protects any personal information that you give us when using this Website. In this Policy "Cabot", "we", "us" and "our" means Cabot Financial (Europe) Limited and "you" means the individual who is using the Website. "Group" means Cabot Financial (Europe) Limited and its associated Companies. You may also wish to view the terms and conditions that govern your use of this Website.

We may update this Policy from time to time by updating this page to reflect changes in law and/or our privacy practices. We will not use your personal information in any new way without your consent or that contravenes the Data Protection Act 1998.

We are the Data Controller, responsible for the fair and lawful processing and sharing of your personal information. Cabot takes privacy very seriously. The following privacy statement sets out, in relation to the Website and/or your account(s):

If you have any questions about this privacy statement please contact cabotcustomer@cabotfinancial.com in the first instance.

1. What sort of information do we collect and hold about you?

Cabot collects information on the Website, which you provide to us and we obtain from third parties when your details are passed on to us. We collect, for example, personal information to allow you to use the Website or use the specific online service provided and this will depend on which services you access and use. Typically, we may collect the following information about you:

  • Any information, including personal information you submit via the Website
  • Any information in relation to an account that is processed or serviced via the Website
  • Any financial information about a payment that you make on this Website. However, please note that we do not collect details of your credit/debit card used to make payments. These details are submitted directly to Sagepay, a division of Sage (UK) Limited, our third party provider appointed to handle all payment transactions on our behalf.

Some personal information is also gathered when you register to use the site and/or use the online services provided.

2. How that information is collected

We will collect and store any personal information that you provide on this website to ensure we maintain up to date and accurate records. We will also collect personal information when you email us, using the ‘Contact Us’ Enquiry Form option on this Website or by emailing us at cabotcustomer@cabotfinancial.com.

What will happen if I email you? - If you email us, or give us your email address, we will record it. We may use it to contact you occasionally about your account. When emailing us, we would recommend you always use the email facility on our website, www.cabotfinancial.co.uk, to make sure that the content of your email is secure. If you send us email in other ways, remember that it will be “insecure” and could be intercepted. If you do send “insecure” email, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply. We may also email you about other products and services, which may interest you, unless you ask us not to do so. We will not give your email address to any unauthorised third parties.

3. How we use and safeguard that information

Your information is stored securely on our database for as long as it is necessary in order to:

  • Provide access to the Website services
  • Supply the service that we provide to you;
  • Understand, evaluate and improve our services;
  • Monitor your usage of the website, which may include, but is not limited to, how many times you visit the Website, your behavioural patterns, which pages you go to, traffic data, location data and the originating domain name of a user’s internet service provider;
  • Undertake statistical analysis

What do we do in relation to crime prevention and anti-money laundering? - We have systems that protect our customers and ourselves against fraud and other crime, including money laundering. Customer Information can be used to prevent crime and trace those responsible. As part of our ongoing monitoring of the account and to service your account, by law we have to confirm your name, address and other details which may be required to identify you. This means your details may be shared between the Cabot Credit Management Group of Companies for anti-money laundering and fraud prevention purposes. Some Acts of Parliament oblige us to disclose customer information to certain bodies with statutory powers.

Fraud Prevention Agencies - If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

Please contact us at 01732 524615 if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Use of cookies - When you log in to the secure area of the Website to access your account(s), we will require to place a cookie to keep you logged into the secure account area. This will be in the form of a random alpha-numeric string that is generated and sent from our server to your computer to identify the current interaction session. The purpose of this cookie is to enable you to remain logged-in to the website for the duration of your Internet browser session and removes the need for you to input your log in details each time you browse to a new page. When you close your Internet browser, the cookie will be automatically removed. This cookie only contains your User ID, which is a database reference and does not contain any other personal data. By logging in to our secure area, you consent for us to place a cookie on your computer.

We also use cookies for the following reasons:

  • Google Analytics, such as analysing the traffic to the Website and to speed up access to the website ; and
  • To ensure the text and font styles displayed are legible by using Scalable Inman Flash Replacement or sIFR.

We will ask you on the homepage whether you want us to place a cookie on your computer for the above reasons. You should also know that the vast majority of web browsers accept cookies. However, you can manually change your browser settings so that cookies are not accepted. If you do this, you may lose some of the functionality of this website, including the use of the secure area of the Website. For further information about cookies and how to disable them please go to: aboutcookies.org.

How do we protect your personal information? - Your access to the Website is password-protected so that only you have access to any personal information, you have provided and/or we have obtained.

We strongly recommend that you do not divulge your password to anyone. We will never ask you your password in an unsolicited phone call or in an unsolicited email.

When you use the online secure area your information is encrypted whilst it is being transferred over the Internet. We have appropriate technological and operational procedures in place to protect your information from any loss, misuse, alteration or destruction and all persons within the Group are subject to strict obligations of confidentiality. We endeavour to take all reasonable steps to ensure your personal information is protected. To help protect your personal data and minimise the risk of it being intercepted by third parties, we offer the use of a secure server and use industry standard encryption when you submit information through the Website. However we cannot guarantee the security or the integrity of information which you send online. In particular you should not use email to send confidential or sensitive information.

Links to other websites - We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (ii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods, or other materials or services available on such external websites or resources. However, we strongly encourage you to read the privacy statements of these linked sites, as their Privacy Policy may differ from ours.

How long will we keep your personal information on file? - We will not keep your information for longer than is necessary for the purposes outlined in this Privacy Policy.

Will we share your information with anybody else? - Except as set out below, we will not transfer, disclose, sell distribute or lease your personal information that we collect on this website to any third parties without your permission or unless required by law. The third parties we may allow access to the personal information you provide on this Website are:

  • Our provider of online payment processing services, but only in connection with processing your payments through this Website
  • Our provider of web-hosting services as appointed by us, but only to the extent necessary for them to host and maintain this Website
  • Any Debt Collection Agency that we may appoint to service your account on our behalf

Will we transfer any data outside the European Economic Area (EEA)? - Cabot may sometimes provide your information to 3rd parties who provide us with a particular service whereby that information may be transferred outside the EEA. Where any such transfer of data takes place outside the EEA, we will ensure that the 3rd party and ourselves have appropriate technical and organisational safeguards in place to ensure compliance with data protection and security principles. Cabot will only use reputable and reliable 3rd parties who are regularly audited by us. We will keep any such transfer of information outside the EEA to a minimum.

4. How can I update, correct or delete my information?

You can use the Website services in order to update your details.

Alternatively you can either talk to one of our customer advisors on 0800 9177077 or email Cabot by sending an email to cabotcustomer@cabotfinancial.com or you can send your request in writing to us at Cabot Financial (Europe) Limited, PO Box 241, West Malling, Kent ME19 4NA.

Access to information on this Website - This Website and all the materials on it are protected by intellectual property rights, including copyright and either belong to us or are licensed to us for use. Materials include, but are not limited to, the design, layout, appearance, graphics, text and documents on this Website.

You may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else without our written permission. We do not give permission to do anything with this Website except browse its contents and use any facilities we make available to you.

You may print or download materials from this website provided that:

  • No materials are modified in any way
  • No graphics are used separately from accompanying text
  • Our copyright and trade mark notices appear in all copies and you acknowledge this Website as the source of the material; and
  • Any person to whom you provide these materials is made aware of these restrictions

Access to your information and questions about our privacy practices - You have a right under the Data Protection Act 1998 to ask what information we hold about you.

You can do this by writing to us at:

Attn: Data Protection Officer, Cabot Financial (Europe) Ltd, PO Box 241, West Malling, Kent, ME19 4NA and enclosing the required £10 fee and providing sufficient evidence for us to identify you (i.e. copy of passport or driving licence together with your signature and current address).

Any changes to this privacy policy will be posted here.

Cabot Financial (Europe) Limited is a company registered in England and Wales with Company number 03439445.
Registered address: 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA

The Data Protection Act puts obligations on users of personal information and lays down principles for its use. You are entitled to know how we intend to use any information we have obtained about you. To provide outstanding customer service we need accurate customer information. You can help by informing us when your circumstances change, including but not limited to, your address, telephone number(s), income and expenditure, financial situation, email address(es). Where details are inaccurate, we require your assistance in order to correct them.

  1. Cabot Financial (UK) Limited is the legal owner of your account.
  2. Cabot Financial (UK) Limited is part of the Cabot Credit Management Group whose accounts are serviced by Cabot Financial (Europe) Limited, also part of the Cabot Credit Management Group.
  3. Cabot Financial (Europe) Limited is the data controller. You have the right of access to information we hold about you. If you wish to obtain a file on data that we hold about you then you must write to: The Data Protection Officer, Cabot Financial (Europe) Limited, 1 Kings Hill Avenue, Kings Hill, West Malling, ME19 4UA. We are allowed to charge a fee of £10 for this service and may request evidence about your identity (for example, copy of current passport or driving licence) in order to complete your request.
  4. As the Group’s servicing company, Cabot Financial (Europe) Limited are entitled to receive payment of the full amount outstanding, on behalf of Cabot Financial (UK) Limited.
  5. Interest may be accruing on your account in accordance with the terms of the original credit agreement. Please note that the terms and conditions of the original credit agreement may be relaxed by us from time to time but may be strictly enforced by us at any time.
  6. If you wish to take independent legal advice, you should do so as a matter of priority. If you wish to have further information about free advice organisations, please visit our website or alternatively please contact us.
  7. All correspondence should be sent to Cabot Financial (Europe) Limited at the address shown overleaf.
  8. Accepted payment methods; Direct Debit, all major Debit and Credit Cards, Standing Order, by telephone or internet payments via our website at www.cabotfinancial.co.uk, post office and Payzone payment card, cash, cheques, postal orders, Giro supplied by Cabot (which can be paid by post or over the counter at your local bank or post office).
  9. All cheques and postal orders should be made payable to ‘Cabot Financial (Europe) Limited’ and sent to the address shown overleaf. Please ensure you write your Cabot reference number on all correspondence, cheques, postal orders and other payments so we can deal with your account and/or allocate payments as efficiently as possible. 

1. What sort of information do we collect and hold about you?

Cabot collects information that you provide to us and which we obtain from third parties when your details are passed on to us. We collect, for example, personal information to provide a tailored service to suit your circumstances and to ensure that we maintain accurate records relating to you and your account with us. Typically, we may collect the following information about you:

  • Name, date of birth, address and other contact information
  • Previous address information in cases where we need to locate your current residence, or resolve a dispute for you
  • Financial information about your income and expenditure, in order to ensure that any repayment arrangements you enter into are affordable and sustainable
  • Details of any physical or mental health conditions that may affect your ability to manage your account with us. We will always ask you for your explicit consent to store this information and ensure that you are aware of how we will use it, as required by the Data Protection Act 1998
  • Bank details and/or credit/debit card details in order to accept payments from you by Direct Debit and/or credit/debit card.

Some personal information is also gathered when you register to use the site and/or use the online services provided.

2. How that information is collected

We will collect and store any personal information that you provide us by telephone, fax or post to ensure we maintain up to date and accurate records.

We may record phone conversations to offer you additional security, to resolve complaints, to ensure we comply with our legal and regulatory obligations and in order for us to improve our quality and service standards. Conversations may also be monitored for staff training purposes.

We will also collect personal information when you email us, using the ‘Contact Us’ Enquiry Form option on this Website or by emailing us at cabotcustomer@cabotfinancial.com.

On occasions, we may be required to obtain information about you to locate a current and up to date address or telephone number for you. We will use lawful methods of obtaining such data, such as the Electoral Roll, telephone directory and Credit Reference Agency data.

What will happen if I email you? - If you email us, or give us your email address, we will record it. We may use it to contact you occasionally about your account. When emailing us, we would recommend you always use the email facility on our website, www.cabotfinancial.co.uk, to make sure that the content of your email is secure. If you send us email in other ways, remember that it will be “insecure” and could be intercepted. If you do send “insecure” email, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply. We may also email you about other products and services, which may interest you, unless you ask us not to do so. We will not give your email address to any unauthorised third parties. 

3. How we use and safeguard that information

Our use and collection of your personal information is to service and administer your account(s), including the performing of debt collection services, providing your personal information to 3rd parties to trace your whereabouts and/or perform debt collection services. We may record any telephone numbers and email addresses you contact us from in order for us or any 3rd parties appointed by us to contact you from time to time for debt collection purposes. Sometimes we need to give information to our agents and subcontractors so that they can provide a particular service for us. We may also provide your information, including financial information, to a 3rd party representative who you have appointed. We may send information about you and your account to the Credit Reference Agencies for 3rd parties and other lenders to ensure responsible lending and the accuracy of data. We may also use or pass your personal information to other Cabot Credit Management companies for debt collection purposes. Your personal information may also be shared with companies outside our Group to inform you about products or services that may be of interest to you. However, it is our policy to obtain your consent before passing your personal information to such companies. If you are not interested in any products or services that may be of interest to you, please write to us to opt-out of any marketing initiatives. We may also use or pass your personal information to companies inside and outside our Group where we sell any part of our business or assign any part of our rights and/or duties or dispose of any rights relating to you. Where we do this, we will ensure that the third party has adequate measures in place to continue to protect your rights. We may also disclose information if we have (or believe we have) a duty to do so, or the law allows us to.

Credit Reference Agencies – We may provide details to the Credit Reference Agencies with regular information about you and any financial associate if you have one, for example, a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. We may also provide details to the Credit Reference Agencies with regular information about your account, the behaviour of your account including changes to your personal information such as previous or subsequent names or change of addresses. Other lenders may use this to make decisions on future applications for credit or for the purpose of tracing debtors. We may also obtain information from Credit Reference Agencies to trace customers and to prevent money laundering and/or fraud. We may also search public records, such as the Electoral Roll, that are available from Credit Reference Agencies to help us verify your identity or determine your financial status. We will also obtain information about you from the agency to help make decisions about you, your account and the behaviour of your account. You can ask the Credit Reference Agencies for a copy of your credit file – they may charge a fee for this service. If there is anything incorrect on your credit file, you can ask them to add a Notice of Correction. UK Credit Reference Agencies details are as follows:

Experian Limited
Credit Expert
PO Box 7710
Nottingham NG80 7WE
Tel 0844 481 8000
www.experian.co.uk

Equifax Limited
Credit File Advice Centre
PO Box 1140
Bradford BD1 5US
Tel 0207 298 3000
www.equifax.co.uk

Callcredit Plc
Customer Care, Callcredit Check
PO Box 734
Leeds LS1 9GX
Tel 0845 366 0071
www.callcredit.co.uk

Crime prevention and anti-money laundering – We have systems that protect our customers and ourselves against fraud and other crime, including money laundering. Customer Information can be used to prevent crime and trace those responsible. As part of our ongoing monitoring of the account and to service your account, by law we have to confirm your name, address and other details which may be required to identify you. This means your details may be shared between the Cabot Credit Management Group of Companies for anti-money laundering and fraud prevention purposes. Some Acts of Parliament oblige us to disclose customer information to certain bodies with statutory powers. 

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

Further details explaining how the information held by fraud prevention agencies may be used can be obtained by accessing our Privacy Policy at www.cabotfinancial.co.uk.

Responsibility for customer confidentiality – Our employees are responsible for maintaining customer confidentiality, including data protection and security. We provide training and education to our staff to remind them about their obligations. Our policies and procedures are regularly audited and reviewed.

Transfer of data outside the European Economic Area – we may sometimes provide your information to 3rd parties who provide us with a particular service whereby that information may be transferred outside the European Economic Area (EEA). Where any such transfer of data takes place outside the EEA, we will ensure the 3rd party and ourselves have appropriate technical and organisational safeguards in place to ensure compliance with data protection and security principles. For these purposes, we will only use reputable and reliable 3rd parties who are regularly audited by us. We will keep any such transfer of information outside the EEA to a minimum.

4. How can I update, correct or delete my information?

You can use the Website services in order to update your details.

Alternatively you can either talk to one of our customer advisors on 0800 9177077 or email Cabot by sending an email to cabotcustomer@cabotfinancial.com or you can send your request in writing to us at Cabot Financial (Europe) Limited, PO Box 241, West Malling, Kent ME19 4NA.

Access to your information and questions about our privacy practices - You have a right under the Data Protection Act 1998 to ask what information we hold about you.

You can do this by writing to us at:

Attn: Data Protection Officer, Cabot Financial (Europe) Ltd, PO Box 241, West Malling, Kent, ME19 4NA and enclosing the required £10 fee and providing sufficient evidence for us to identify you (i.e. copy of passport or driving licence together with your signature and current address).

Any changes to this privacy policy will be posted here.

Cabot Financial (Europe) Limited is a company registered in England and Wales with Company number 03439445.
Registered address: 1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA