Privacy policy

Your rights

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We want to make sure you are aware of your rights in relation to the personal information we process about you. We have described those rights and the circumstances in which they apply in Table A below.

If you wish to exercise any of these rights, or if you have any queries about how we use your personal information which are not answered here, please contact us at 020 3936 4800 or customercare@esmeloans.com.

Our Data Protection Officer can be contacted at 03457 24 24 24. Please note that in some cases, if you do not agree to the way we process your information, it may not be possible for us to continue to operate your account and/or provide certain products and services to you.

Table A – Your Rights
RightsDescription
Access – You have a right to get access to the personal information we hold about you.If you would like a copy of the personal information we hold about you, please write to: Esme Loans Limited, 8 Devonshire Square, London EC2M 4PL or customercare@esmeloans.com, or contact us at 020 3936 4800. For more information on how to get access to your information and the documents we need you to submit, please contact us at 020 3936 4800.
Rectification – You have a right to rectification of inaccurate personal information and to update incomplete personal information.If you believe that any of the information that we hold about you is inaccurate, you have a right to request that we restrict the processing of that information and to rectify the inaccurate personal information. Please note that if you request us to restrict processing your information, we may have to suspend the operation of your account and/or the products and services we provide to you.
Restriction – You have a right to request us to restrict the processing of your personal information.You may request us to restrict processing your personal information if you believe that: – any of the information that we hold about you is inaccurate; – we no longer need to process your information for the purposes for which it was provided, but you require the information to establish, exercise or defend legal claims; or – we are not using your information in a lawful manner. Please note that if you request us to restrict processing your information, we may have to suspend the operation of your account and/or the products and services we provide to you.
Portability – You have a right to data portability.Where we have requested your permission to process your personal information or you have provided us with information for the purposes of entering into a contract with us, you have a right to receive the personal information you provided to us in a portable format. You may also request us to provide it directly to a third party, if technically feasible. We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you. If you would like to request the personal information you provided to us in a portable format, please write to: Esme Loans Limited, 8 Devonshire Square, London EC2M 4PL or customercare@esmeloans.com, or contact us at 020 3936 4800.
Objection – You have a right to object to the processing of your personal information.You have a right to object to us processing your personal information (and to request us to restrict processing) for the purposes described in Schedule of Purposes of Processing – Legitimate Interests of Esme, unless we can demonstrate compelling and legitimate grounds for the processing, which may override your own interests or where we need to process your information to investigate and protect us or others from legal claims. Depending on the circumstances, we may need to restrict or cease processing your personal information altogether, or, where requested, delete your information. Please note that if you object to us processing your information, we may have to suspend the operation of your account and/or the products and services we provide to you.
Marketing – You have a right to object to direct marketing.You have a right to object at any time to processing of your personal information for direct marketing purposes, including profiling you for the purposes of direct marketing. For more information see section Marketing.
Withdraw consent – You have a right to withdraw your consent.Where we rely on your permission to process your personal information, you have a right to withdraw your consent at any time. We will always make it clear where we need your permission to undertake specific processing activities.
Lodge complaints – You have a right to lodge a complaint with the regulator.If you wish to raise a complaint on how we have handled your personal information, you can contact our Data Protection Officer who will investigate the matter. We hope that we can address any concerns you may have, but you can always contact the Information Commissioner’s Office (ICO). For more information, visit www.ico.org.uk