020 7274 4865

Terms of Business

Polestars (List of Life) Privacy Policy

Refund Policy

When making a booking Polestars require a £50 deposit for all hen activities.  This deposit goes towards the final balance, and secures the booking of a venue and a teacher for your party.

NB. This £50 deposit is non-refundable if you cancel the booking at any point

The final balance of your party is due at least two weeks before the event takes place. The overall balance will be non-refundable after two weeks before the event.

After this two week point you are able to increase the number of guests for your party, but you will not be able to decrease.

If you choose to pay your final balance before the two weeks you are liable for a refund of the balance (not including the deposit) up until the two week point.

Your personal information
Polestars (List of Life Ltd) is committed to the protection of your personal information in accordance with the principles of the Data Protection Act 1998.

When you make a booking with Polestars (List of Life Ltd) we record your name and your telephone number. Your telephone number will not be passed on to any 3rd party and we will only use your number to contact you regarding bookings for Polestars courses. Your teacher will receive a copy of your phone number to contact in relation to the course that you are booked on. List of Life Ltd will not use your phone number to contact you in relation to any of our other brands.

When you pay by Paypal we will receive your email address and postal address from Paypal (for more details of the Paypal Privacy Policy see below). These will only be used to contact you in relation to your booking and will not be used to contact you for promotional matters. These details will not be passed on by Polestars (List of Life Ltd) to any third party. Paypal hold your credit card details and do not pass them on to us.

If you give us your credit card details to make payment over the phone we will  not hold them on record. Our payment provider is Paypal and they use fully secure data encryption (for more details see below).

If you sign up to the Polestars mailing list we will record your email address and you will receive periodical newsletters from Polestars. You may occasionally be offered products from our other brands but you will not receive emails from our other brands. Your email address will not be shared with any third party.

Information collected automatically
When you visit our website we automatically collect some technical information about your visit. This is not personal information, but includes your IP address, the type of browser used, the duration of your visit and the pages visited. We use this information to improve the navigation and accessibility of our website. If you access one of the secure areas of the website we record some details of your visit and we use this information to look for ways to improve the service we offer you.

The use of Cookies
A cookie is a small text file that is stored temporarily by your browser and used by the website you are visiting to remember you throughout your visit to that website. Polestars (List of Life Ltd) uses session (non-persistent) cookies to identify you when you log into a secure area and thereby avoid the need for you to repeat the entry of your password as you navigate around the secure areas of the website. The cookies are deleted as soon as a session is ended.

Polestars (List of Life Ltd) also uses persistent cookies to store non-personal details when you visit our website. This enables us to find out whether your computer has visited our website before by checking to see, and finding, the cookie left there on the last visit. Using these cookies we are able to examine and analyse, in an anonymous and aggregate way, how our websites are used in order that we can improve the layout, navigation and accessibility of the websites.

Links
The Polestars website contains links to other websites and this data protection policy does not apply to those websites. If you transfer to another website you should read their data protection statement for their policy on the use of personal information.

Contact
If you have any comments or questions regarding this policy, please contact the Data Protection Coordinator at:

Polestars
Unit 65b Eurolink Business Centre
49 Effra Road
London SW2 1BZ

 

Paypal Privacy Policy

Overview
In order to operate the PayPal service and to reduce the risk of fraud, PayPal (Europe) Ltd (“PayPal” or “we”), the data controller, must ask you to provide us information about yourself and your credit or debit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information. PayPal takes the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, in order for PayPal to offer its services to its users; to enhance the quality of its service from time to time; and to protect the interests of its users, PayPal will in limited circumstances and as further described in more detail throughout this policy, share some of your information with third parties under strict restrictions. It is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal website.

By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information and direct us to do so in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement.

Your privacy is important to us. Please note that by accepting this Privacy Policy, you consent to your personally identifiable information being stored and processed on our parent company’s (PayPal Inc) computers in the United States, as set out in the section entitled, “Disclosure to Third Parties Other Than PayPal Customers” below. The laws on holding personal data in the United States may be less stringent than the English laws but as we explain below, we will hold and transmit your personal information in a manner designed to ensure its security. If you object to your personal information being processed or transferred as described in this Privacy Policy, please do not register for nor use the PayPal service.

Notification of Changes
This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. If we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by email with at least 30 days notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner). After this 30 days notice, you will be considered as having expressly consented to all amendments to the Privacy Policy.

We will post the amended Privacy Policy prominently on our Website so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check the PayPal website athttps://www.paypal.com/uk/ at any time for the most current version of our Privacy Policy.

Some pages on the PayPal website include links to third party websites. These sites are governed by their own privacy statements, and PayPal is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third party Websites should review the privacy statement of these sites before providing them with personally identifiable information.

A Special Note About Children. Children are not eligible to use our service and we ask that minors (under the age of 18) do not submit any personal information to us or use the service.
Information We Collect

Required Information
To open a PayPal account, you must provide your name, address, phone number, and email address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (account information is required as soon as your total payments sent reach £1,000.00 GBP). We also ask you to choose two different security questions to answer (such as your city of birth or your pet’s name). This required information is necessary for us to process transactions, issue a new password if you forget or lose your password, protect you against credit card fraud and current account fraud, and to contact you should the need arise in administering your account.

We will also require your national insurance number if you send or receive certain high-value transactions or high overall payment volumes through PayPal, in order to comply with our anti-money laundering obligations.

Transaction Information
When you use PayPal to send money to someone else or request money from someone else, we ask you to provide information related to each transaction, consisting of the amount of the transaction, the type of transaction (purchase of goods, purchase of services, or simple money transfer (“quasi-cash)) and the e-mail address, Skype ID or phone number of the third party. We retain this information for each of your transactions through PayPal. We also collect the Internet address (IP address) of the computer or device you use to access your PayPal account, in order to help detect possible instances of unauthorized transactions.

Information About You From Third Parties
In order to protect all our customers against potential fraud, we verify the information you provide with bank processors listed in the table under the section “Disclosure to Third Parties Other than PayPal Customers” below. In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you register a credit card or debit card with PayPal, we will use card authorisation and fraud screening services to verify that your card information and address match the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.

If you send or receive high overall payment volumes through PayPal, in some circumstances we will conduct a background check on your business by obtaining information about you and your business from a credit bureau or a business information service such as Dun and Bradstreet, as listed in the table under the section entitled, “Disclosure to Third Parties Other than PayPal Customers” below. If you incur a debt to PayPal, we will generally conduct a credit check on you by obtaining additional information about you from a credit bureau, to the extent permitted by law. PayPal, at its sole discretion, also reserves the right periodically to retrieve and review a business and / or consumer credit report supplied by such credit bureau for any account, and reserves the right to close an account based on information obtained during this credit review process.

Additional Verification
If we cannot verify the information that you provide, or if you request a withdrawal by cheque to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your driving licence, credit card statement, and/or a recent utility bill or other information linking you to the applicable address), or to answer additional questions online to help verify your information.

Website Traffic Information
Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal website, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Website you visit while you are on the PayPal site, IP addresses, the type of browser you use and the times you access our Website. We use this information only to try to understand our customers’ preferences better and to manage the load on our servers, so as to improve our service and your experience with PayPal. We do not track the Websites that you visit before or after you leave the PayPal site.

Our Use of “Cookies”
“Cookies” are small files of data that reside on your computer and allow us to recognise you as a PayPal customer if you return to the PayPal site using the same computer and browser. We send a “session cookie” to your computer if and when you log in to your PayPal account by entering your email address and password. These cookies allow us to recognise you if you visit multiple pages in our site during the same session, so that you don’t need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.

We also use longer-lasting cookies to display your email address on our sign-in form, so that you don’t have to retype the email address each time when you log in to your PayPal account. In addition, we use cookies to process our referral programme, so we can verify which users register via which merchant, described below. Our cookie files are encoded so that your email address and other information can only be interpreted by PayPal.

Customer Service Correspondence
If you send us correspondence, including emails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from PayPal to you. We retain these records in order to keep records of our relationship, to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

Questionnaires, Surveys and Profile Data
From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users’ interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.

Non-member Recipients and Requests
When a member either sends a payment to, or requests a payment from, an individual who is not a registered member of PayPal, we will retain the information that the member submits to us, including, for example, the other party’s email address, Skype ID, phone number and/or name, for the benefit of the member who is attempting to contact the non-member, so that the member can see a complete record of his or her transactions, including uncompleted transactions. Although this information is stored indefinitely, we will not market to the non-member in any way at any time. Additionally, these non-members have the same rights to access and correct information about themselves (assuming that their detail(s) were correct enough to reach them) as anyone else who uses PayPal.

 

Our Use and Disclosure of Information

Internal Uses
We collect, store and process your personal information on servers located in the United States and operated by our parent company, PayPal Inc. Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customised experience. You agree that we may use your personal information to:
provide the services and customer support you request;
resolve disputes, collect fees, and troubleshoot problems;
prevent potentially prohibited or illegal activities, and enforce our User Agreement;
customise, measure, and improve our services and the content and layout of our website;
tell you about targeted marketing, service updates, and promotional offers based on your communication preferences;
compare information for accuracy, and verify it with third parties.

We give access to individually identifiable information about our users only to those employees who require it to fulfill customer service requests.

Disclosure to Other PayPal Customers
If you are a registered PayPal user, your name, e-mail address, Skype ID (if applicable), phone number (if applicable) date of sign-up, and whether you have been verified to have control of a bank account are displayed to other PayPal customers whom you have paid or who are attempting to pay you through PayPal. If you are a Business account holder, we will also display to other PayPal customers the Web site address (URL) and customer service contact information that you provide us. However, your credit card number, bank account and other financial information will NEVER be revealed to anyone whom you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so pursuant to a court order or other legal process.

If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.

We work with third party merchants to enable them to accept payments from you using PayPal. In doing so, a merchant may share information about you with us such as your email address when you are attempting to pay that merchant. We use this information to confirm to that merchant that you are a PayPal customer and that the merchant should enable PayPal as a form of payment for your purchase.

PayPal draws your attention to the fact that some merchants may be established in countries which do not offer the same level of protection as regards data processing as EU members states. By accepting this Privacy Policy, you expressly consent to the exchange of information between PayPal and such merchants as set out above.

PayPal will also disclose to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the PayPal website), or other aggregate measures that provide an indication of your reputation with other PayPal customers.

By accepting this Privacy Policy, you expressly agree that each time you pay or attempt to pay another PayPal customer or a third party merchant by using your PayPal account, PayPal may then transfer the aforementioned relevant data to the other PayPal customer or to the third party merchant in order to execute the payment.

Disclosure to Third Parties Other Than PayPal Customers
PayPal will not sell or rent any of your personally identifiable information to third parties, and will only disclose this information in the limited circumstances and for the purposes described in this policy. This includes transfers of data to non-EU member states where the laws on holding personal data may be less stringent, but as explained below, we will hold and transfer your personal information in compliance with the law and in a manner designed to ensure its security. Specifically, you consent to and direct PayPal to do any and all of the following:

Disclose information including, without limitation, transaction, account information, personal details and the contents of communications to the police, security forces, competent regulatory authorities, whether in the UK or elsewhere (including, without limitation, the Financial Ombudsman Service) or other third parties that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of our User Agreement. Specifically, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity’s contact information (but not bank account or credit card information without a court order) to victims who request it.

Disclose information in response to requirements of civil or criminal legal process.

Disclose information to third parties listed in the table below (these third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information was shared).
Type  Party Name and jurisdiction (in brackets) Purpose  Data disclosed
Payment processors
HSBC Bank Plc (United Kingdom, Ireland), Bank of America (United Kingdom and USA), JPMorgan Chase Bank (United Kingdom, USA), BNP Paribas (France), Netgiro (Sweden), StarFinanz (Germany), Wells Fargo (Ireland, USA), American Express (USA). To allow payment processing settlement services, fraud checking. Name, address, details of user funding instruments, details of payment transactions
CS Outsourcing
Sutherland Global Services Inc. (USA and Philippines) and Sitel GmbH (Germany) Telephone and email customer support services  Name, address, telephone number, email addresses, truncated funding source information, funding source expiration dates, type of PayPal account, National identity number, account balance and transaction information, customer statements and reports, account correspondence, shipping information, promotional information.
Credit Reference Agencies
Callcredit plc., Experian Limited and Dun and Bradsheet Limited (United Kingdom) Verify identity, make decisions concerning a customer’s credit worthiness, carry out checks for the prevention and detection of crime including fraud and/or money laundering, manage PayPal account and undertake statistical analysis, undertake research as to appropriateness of new products and services and system checking. Name, address, date of birth, time at address, telephone number, legal form, time in business, company registration number, VAT number (if appropriate)
SCHUFA Holding AG (Germany) To determine credit worthiness of a merchant using eBay Express in Germany. Name, address, date of birth, gender
CEG Creditreform Consumer GmbH (Germany) To determine credit worthiness of a merchant using eBay Express in Germany. Name, address, date of birth
Creditreform Berlin Wolfram KG (Germany) To determine credit worthiness of a merchant using eBay Express in Germany. Name, address
Financial Products
GE Capital Bank Limited and GE Capital Global Consumer Finance Limited (United Kingdom) Joint marketing campaigns for PayPal credit card, risk modelling, enforcement of terms and conditions for PayPal credit card Name, address, e-mail
Commercial Partnerships
Royal Mail Group Plc. (United Kingdom) and Pitney Bowes Inc. (USA) The provision of automated label printing for sellers using PayPal and eBay to facilitate postal and delivery services, including payment reconciliation services Name, address, e-mail, postage transaction amount
Marketing and public relations
Yesmail Inc. (USA) Fulfilment of e-mail marketing programs of PayPal services and promotions. Name, e-mail, address, business name, domain name, account status, account preferences, type and nature of PayPal services offered or used.
BD Network Limited and Tullo Marshall Warren Limited (United Kingdom), MyCash (France) Development and execution of customer promotions Name, address, e-mail
Noesis srl (Italy) and Lansons Communications (United Kingdom) Response to media enquiries regarding customer queries Name, address, customer account information relevant to customer queries
Operational services
KSP Kanzlei Dr. Seegers, Dr. Frankenheim and Partner Lawyers (Germany), NCO Collections Europe Limited , Robinson Way  Debt collection Name, address, telephone number, account number, e-mail, account type, account balance, details of account transactions and liabilities.
Group companies
PayPal Inc. (US) Acting on behalf of PayPal or the purposes of storing and processing of account information All account information
PayPal Europe Services Limited (Ireland) Acting on behalf of PayPal for the purpose of customer support, compliance and other back office All account information
PayPal Private Limited (Singapore) Acting on behalf of PayPal to enter into and perform non-customer contracts which involve customer data All account information
eBay Inc. (USA), eBay International AG (Switzerland), Skype Communications SA (Luxembourg), Skype Software SA (Luxembourg), Opusforum GmbH (Germany), GumTree.com Limited (UK), Kijiji International Limited (Ireland), Shopping.com (USA), Shopping Epinions International Limited (Ireland), PayPal Australia Pty Limited Co-ordinate services, co-ordinate marketing and commercial policies, offer new services to joint customers, enforce respective terms and conditions and combat fraud and potentially illegal activities (not acting as a sub-contractor of PayPal) All account information
Agencies
Financial Ombudsman Service (United Kingdom), Altroconsumo (Italy), Consumo del Centro Europeo del Consumidor en Espana (Spain), Les Mediateurs du Net (France), BaFin (Germany) To request information within their authority and to respond to queries and/or investigations instigated by users or other stakeholders in the countries they have jurisdiction.  All account information
For the purpose of this table, the phrase “All account information” includes: name, address, e-mail, telephone number, account number, account type, details of funding instruments associated with the account, details of payment transactions, details of commercial transactions, customer statements and reports, account preferences, and customer correspondence.

With respect to the column titled, “Purpose”, each third party, with the exception of the regulatory agencies and group companies referred to at the end of this table, is carrying out the purpose to fulfil obligations which PayPal has contracted with the entity to fulfil. The regulatory agencies are carrying out their purpose in accordance with their regulatory objectives and requirements.

Disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

Disclose aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in Manchester. However, this aggregated information is not tied to personal information.

As with any other business, it is possible that PayPal in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by PayPal, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.

 

Our Contacts with PayPal Customers
We communicate with users on a regular basis via email to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your email address to confirm your opening of a PayPal account, to send you notice of payments that you send or receive through PayPal (including referral payments described below), to send information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.

We also use your email address to send you other types of communications that you can control, including the PayPal Periodical newsletter, auction tips, customer surveys and notice of special third-party promotions. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your account on the PayPal website and changing your preferences in the Profile page of the My Account tab. You can also change your choices at any time through the same procedure.

In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.

Your Use of Information and Our Services
In order to facilitate the transactions between PayPal members, our service allows you limited access other users’ contact or delivery information. As a seller you may have access to the User ID, email address and other contact or delivery information of the purchaser, and as a purchaser you may have access to the User ID, email address and other contact information of the seller.

By entering into our User Agreement, you agree that, with respect to other users’ personally identifiable information that you obtain through the site or through a PayPal-related communication or PayPal-facilitated transaction, you will only use this information for: (a) PayPal-related communications that are not unsolicited commercial messages, (b) using services offered through PayPal (e.g. insurance, delivery and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).

In all cases, you must provide users with the opportunity to remove themselves from your database and review any information you have collected about them. In addition, under no circumstances, except as defined in this Section, can you disclose personally identifiable information about another PayPal user to any third party without our consent and the consent of such other user after adequate disclosure. Note that law enforcement personnel and other rights holders are given different rights with respect to information they access.

PayPal does not tolerate spam. Therefore, without limiting the foregoing, you may not add a PayPal user to your mail list (email or physical mail) without their express consent after adequate disclosure, even if said user has previously made a purchase from you. We strictly enforce our Anti-Spam Policy! To report PayPal-related spam to PayPal, please contact us.

Merchant Referral Programme
When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus programme. We provide you with a link on the Merchant Referral Bonus page which identifies you as the referrer. If a merchant uses that link to sign up for a Premier or Business PayPal account and completes the bonus requirements, he is eligible for a referral bonus. If you use a referral link to sign up, your business name (if you have a Business account) or first and last name (if you have a Premier account) may be listed in the referrer’s PayPal account, along with the amount of bonus you have generated for the referrer, which is calculated as a percentage of your transaction volume, as described in the Merchant Referral Bonus Policy.

Please use our referral programme responsibly. We strictly enforce our Anti-Spam Policy! Read details on the Referral Bonus.
Information Security
PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards to guard your non public personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal’s security practices, please visit the PayPal Security Centre.

The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. PayPal representatives will never ask you for your password, so any email or other communication requesting your password should be treated as unauthorised and suspicious and forwarded to spoof@paypal.com. If you do share your PayPal password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account at www.paypal.com/uk/ and changing your Profile settings, and also contact us right away as described below.

Accessing and Changing Your Information
You can review the personal information you provided us and make any desired changes to such information, or to the settings for your PayPal account, at any time by logging in to your account on the PayPal website and changing your preferences in the Profile page of the “My Account” tab. You can also close your account through the PayPal website. If you close your PayPal account, we will mark your account in our database as “Closed,” but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.

Accountability
Our privacy office is responsible for ensuring that our day-to-day procedures comply with this Privacy Policy. If you have any questions about this privacy statement, PayPal’s information practices, or your dealings with PayPal, you can contact us using this form, call 0870 7307 191 or write us at PayPal (Europe) Ltd, Hotham House, 1 Heron Square, Richmond Upon Thames TW9 1EJ.

IMPORTANT DATA PROTECTION NOTICES FOR USERS OR APPLICANTS OF PAYPAL WEBSITE PAYMENTS PRO – A GUIDE TO THE USE OF YOUR PERSONAL DATA BY PAYPAL (EUROPE) LTD. AND CREDIT REFERENCE AGENCIES

SECTION 1: GENERAL INFORMATION ON OUR USE OF CREDIT REFERENCE AGENCIES

Q: What is a credit reference agency?
A: Credit reference agencies (CRAs) collect and maintain information on consumers’ and businesses’ credit behaviour, on behalf of financial institutions and lenders in the UK.

Q: Why do you use them when I have applied to your organisation?
A: Although you have applied to us, PayPal (Europe) Ltd. and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.

Q: Where do they get the information?
A: Publicly available information:
- The Electoral Register at Local Authorities.
- County Court Judgments from Registry Trust.
- Bankruptcy information from the Insolvency Service.
Fraud information from fraud prevention agencies.
Credit information comes from information on applications to banks, building societies, credit card companies etc and also from the conduct of those accounts.

Q: How will I know if my information is to be sent to a CRA or Fraud prevention agency?
A: Organisations are only allowed to send information to CRAs and/or Fraud Prevention Agencies with your agreement and knowledge. You will be told when you apply for PayPal Payments Pro if your data will be supplied. The next section of this document will tell you how, when and why we will search at CRAs and what we will do with the information we obtain from them. We will also tell you if we plan to send information on you or your business, if you have one, to CRAs.

Q: Why is my data used in this way?
A: We and other organisations want to make the best possible decisions we can, in order to make sure that you, or your business, will be able to carry out your obligations to us. We and other organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fair decisions possible.

Q: Who controls what credit reference agencies are allowed to do with my data?
A: All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Office of the Information Commissioner. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.

Q: Can just anyone look at my data held at credit reference agencies?
A: No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement
SECTION 2 WHAT PAYPAL (EUROPE) LTD. DOES

Please read this section very carefully.
When you apply to us for PayPal Payments Pro we may:
Check our own records for information on your PayPal account(s)
Search at credit reference agencies for information on: -
Public data on your credit behaviour
Information on the conduct of your personal credit accounts if you are proprietors of a small business;
your business accounts;
Search at fraud prevention agencies for information on you

What we do with the information you supply to us as part of the application: -
Information that is supplied to us will be sent to the credit reference agencies.
If you give us false or inaccurate information and we suspect fraud, we will record this and may also pass this information to financial and other organisations involved in fraud prevention to protect us, them and our respective customers from theft and fraud.
Your data may also be used by this organisation, to offer your business other products.

With the information that we obtain we will: -
Assess this application for PayPal Payments Pro and/or;
Verify your identity and the identity of other directors/partners and/or;
Undertake checks for the prevention and detection of fraud and/or money laundering.
We may use scoring methods to assess this application and to verify your identity.
Manage your PayPal account(s) with ourselves.
Undertake periodic statistical analysis or testing to ensure the accuracy of existing and future products and services.
Any or all of these processes may be automated.

What we do when you have set up PayPal Payments Pro: -
Where you have access to and use PayPal Payments Pro with us, we will give details of your PayPal account and other details of your use of PayPal Payments Pro, including names and parties to the account, and how you manage it to credit reference agencies.
If you owe us money and do not pay in full and on time, we will tell credit reference agencies
We may make periodic searches of our own group records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding your identity and also credit, including whether to make PayPal Payments Pro available or to continue or extend existing services to you.
If you owe us money and do not make payments that you owe us, we will trace your whereabouts and recover payment.
What Credit Reference agencies do

When credit reference agencies receive a search from us they will: -
Place a search “footprint” on your company credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.
Link together the previous and subsequent names advised by you, of anyone that is a party to the account.

Supply to us: -
Information about your company or credit information such as previous applications for credit and the conduct of the accounts
Public information such as County Court Judgments (CCJs) and bankruptcies.
Electoral Register information on you and your business partners.
Fraud prevention information.

When information is supplied by us, to them, on your account(s): -
Credit reference agencies will record the details that are supplied on your account including previous and subsequent names of the parties
If you owe us money and do not pay in full and on time, credit reference agencies will record the outstanding debt.
Records shared with credit reference agencies remain on file for 6 years after they are closed whether settled by you or defaulted.

How your data will NOT be used by credit reference agencies: -
It will not be used to create a blacklist.
It will not be used by the credit reference agency to make a decision.

How your data WILL be used by credit reference agencies: -
The information which we, other organisations and fraud prevention agencies provide to the credit reference agencies about you, your financial and/or business associates and your business may be supplied by credit reference agencies to other organisations and used by them to: -
Verify your identity if you or your financial or business associate applies for other facilities including all types of insurance applications and claims.
Assist other organisations to make decisions on credit, credit related services and on motor, household, life and other insurance proposals and insurance claims, about you, your partner, other members of your household or your business.
Trace your whereabouts and recover payment if you do not make payments that you owe.
Conduct checks for the prevention and detection of crime including fraud and/or money laundering.
Manage your personal, your partner’s and/or business account
Manage your personal, your partner’s and/or business insurance policies (if you have one/any).
Undertake statistical analysis and system testing.
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.
Your data may also be used to offer you other products, but only if you have not opted out of receiving such offers.
How to find out more

You can contact credit reference agencies currently operating in the UK (the main ones are listed below). The information they hold may not be the same so it is worth contacting them all. They will charge a small statutory fee.

CallCredit, Consumer Services Team, PO Box 491, Leeds LS3 1W2 or call 0870 0601414
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to www.experian.co.uk
Equifax Plc, Credit Fule Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.equifax.co.uk
Dun & Bradstreet, Customer Service Department, Westminster House, Portland Street, Manchester M1 3HU or call 0870 243 2344 or log on to www.dbuk.dnb.com

If you want to receive details of those fraud prevention agencies from whom we obtain and with whom we record information about you, contact/write to us at Hotham House, 1 Heron Square, Richmond Upon Thames, Surrey TW9 1EJ, UK. You have a legal right to these details.

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