Privacy & Cookies

4th November 2014

This policy sets out how we use and protect any personal information that you give us when you use this website. If you have any questions about this policy or do not agree with it, please contact our customer services department at Vanquis Card, Customer Services, PO Box 399, Chatham, ME4 4WQ or on 0330 099 3000 (Please click here for opening hours and call charge information) before using this website. Full details are available when you apply and in the Vanquis Card terms and conditions.

We may change this policy from time to time by updating this page. You should check this page from time to time to ensure you are happy with any changes. “We/our/us” refer to Vanquis Bank Limited (Company number 02558509) whose registered office is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU is a member of the Provident Financial Group (the Group). The Group is a financial services group specialising in the provision of short to medium term retail consumer loans.

 

What information do we collect?

In general, you can use this website without giving us any information. However, additional products and services may be available if we have certain information about you.

To do this we may collect your name, contact information and personal details

 

 

What do we do with the information we collect?

We use this information to provide you with a better service, and in particular for the following:

  • To send you details of products and services we believe you may be interested in;
  • To provide answers to your questions asked via the website;
  • For internal record keeping; and /or
  • To third parties that help analyse the website in order to provide a better service to our customers
  • To improve the content of our website

We may contact you by mail, email, phone, fax, text unless you have registered with the appropriate Preference Service.

 

Direct marketing

We would like to provide you with information about products and services which we think you may find interesting. We may send you such information by post, email, telephone or mobile text and/or messaging service (SMS) unless you have registered with the appropriate Preference Service. When you provide us with information, you will be given the option to let us know that you do not want your information used for direct marketing purposes. If you request this option, we will not send you any direct marketing.

You can change your mind at any time by contacting Vanquis Card, Customer Service, PO Box 399, Chatham, ME4 4WQ.

You have a legal right to prevent your information being used for direct marketing purposes.

 

Email marketing

We would also like to provide you with the information above by email. However, we appreciate that email and text “spam” has become a problem in recent years. Therefore we would only use one of these methods to market to you if you have indicated your consent. If you are a customer or you have previously asked us for information on our products, we may send you information on our range of products and/or services by email, unless you have asked us not to do so.

If the reason you have given us personal information is to receive email information from us, we will continue to provide this information by email unless you ask us not to do so.

Otherwise, when you provide us with personal information, we will ask you whether or not you are happy for us to send you this kind of information by email. If you decide at any time that you no longer wish to receive marketing emails from us, please write to us at Vanquis Card, Customer Service, PO Box 399, Chatham, ME4 4WQ.

We will process, by computer or otherwise, personal information about you whilst we are assessing your application and/or managing your Account. We may search your credit record at credit reference agencies in relation to your application or for managing your Account, and they will supply us with credit and/or identification information.

Details of our search will be added to their records whether or not your application is successful. Credit and identification information about you and those with whom you are financially linked, which is provided to us and credit reference agencies, may be used by us and other companies to make credit decisions about you and other members of your household. Any of this information may also be used for identification purposes, debt tracing and prevention of money laundering, as well as the management of your Account.

When assessing your application, we may use credit scoring or other automated decision making facilities.

We will, on a regular monthly basis, provide details of the performance of your Account to credit reference agencies. This information may be used by other companies to make decisions about credit and credit-related services for you and other members of your household. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this.

We and other organisations may search and use these records to:

i) help make decisions about credit and credit-related services for you and members of your household;

ii) help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household;

iii) trace debtors, recover debt, prevent fraud, and manage your Account(s) or insurance policies; and/or

iv) check your identity to prevent money laundering unless you provide us with other satisfactory proof of identity.

We, the credit reference agencies, the fraud prevention agencies and/or the Provident Financial group may use the fraud prevention agency and/or credit performance records for statistical analysis about credit, insurance and fraud. We may also use your information to carry out market research.

For the purposes of managing your Account, credit assessment and analysis, your information may be shared within the Provident Financial group and outside the group to:

i) our agents, processors and sub contractors;

ii) any of our approved suppliers;

iii) the police, if required by law; and/or

iv) any relevant regulatory authority, if required by law.

We may contact you by post, email, telephone or mobile text and/or messaging service (SMS) about products or services relating to your account or application.

 

Managing your account and processing your application

We will process, by computer or otherwise, personal information about you whilst we are assessing your application and/or managing your Account. We may search your credit record at credit reference agencies in relation to your application or for managing your Account, and they will supply us with credit and/or identification information.

Details of our search will be added to their records whether or not your application is successful. Credit and identification information about you and those with whom you are financially linked, which is provided to us and credit reference agencies, may be used by us and other companies to make credit decisions about you and other members of your household. Any of this information may also be used for identification purposes, debt tracing and prevention of money laundering, as well as the management of your Account.

When assessing your application, we may use credit scoring or other automated decision making facilities. We will, on a regular monthly basis, provide details of the performance of your Account to credit reference agencies. This information may be used by other companies to make decisions about credit and credit-related services for you and other members of your household. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this.

We and other organisations may search and use these records to:

i) help make decisions about credit and credit-related services for you and members of your household;

ii) help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household;

iii) trace debtors, recover debt, prevent fraud, and manage your Account(s) or insurance policies; and/or

iv) check your identity to prevent money laundering unless you provide us with other satisfactory proof of identity.

We, the credit reference agencies, the fraud prevention agencies and/or the Provident Financial group may use the fraud prevention agency and/or credit performance records for statistical analysis about credit, insurance and fraud. We may also use your information to carry out market research.

For the purposes of managing your Account, credit assessment and analysis, your information may be shared within the Provident Financial group and outside the group to:

i) our agents, processors and sub contractors;

ii) any of our approved suppliers;

iii) the police, if required by law; and/or

iv) any relevant regulatory authority, if required by law.

We may contact you by post, email, telephone or mobile text and/or messaging service (SMS) about products or services relating to your account or application.

 

Who do we share this information with?

  • To any person to whom we transfer our rights or obligations under the agreement;
  • If we are compelled to do so by law and for fraud prevention purposes;
  • To licensed credit reference agencies to help us and others make credit decisions;
  • To third parties to enable them to provide details of products or services you may be interested in with your consent;
  • To Group to enable it to provide details of products or services you may be interested in with your consent; and/ or
  • Within Vanquis Bank.

 

We will not transfer, disclose, sell, distribute or lease your personal information to third parties other than potential purchasers of our business without your permission unless this is necessary for the reasons set out in the “What we do with the information we collect” section or where we are required to do so by law. We may release your personal information to our authorised direct marketing or other agents unless you tell us that you do not wish this to happen.

 

How to get copies of or amend the information we have collected

You may request details of personal information which we hold about you under the Data Protection Act 1998 if you apply in writing. You are also entitled to request that any inaccurate information be amended or deleted. You have a legal right to this information. A small fee will be payable. If you would like a copy of the information held on you please write to Vanquis Card, Customer Services, PO Box 399, Chatham, ME4 4WQ.

If you think any information we have about you is incorrect or incomplete, please write to us. We will correct or update any information as soon as possible.

 

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. However, we cannot guarantee the security of any data you disclose online. You should be aware of the inherent security risks of providing information and dealing online over the internet. You do not hold us responsible for any breach of security unless this is due to our negligence or wilful default.

 

Linking

We may link to other websites which are not within our control. Once you have left our website, we cannot be responsible for the protection and privacy of any information which you provide. You should exercise caution and look at the privacy statement applicable to the website in question.

 

What are Cookies?

We use cookies for certain areas of our website.

Cookies are small files that store information on your hard drive or browser that means that our website can recognise that you have visited our website before.

Cookies can't harm your computer and we don't store personally identifiable information (such as your name, address or credit card details in cookies we create), but we do use encrypted information gathered from them to help improve your experience of the site. For example, cookies make it easier for you to maintain your preferences on the website, and by seeing how you use the website, we can tailor the website around your preferences and measure usability of the website.

You can, should you choose, disable the cookies from your browser and delete all cookies currently stored on your computer. Your cookie settings are set separately for each different device, computer or browser and if you want to change your cookie settings you will need to do so for each device, computer or browser.

If you disable cookies, you'll still be able to browse the site but you will not be able to use all the features, for example the ability to view your account online. Most web browsers have cookies enabled by default, if you want to review your cookie setting please see the section entitled Managing cookies.

 

Further reading about Cookies:

Information about cookies

More information about cookies is available at:

http://www.allaboutcookies.org

Internet Advertising Bureau

A guide to behavioural advertising and online privacy produced by the internet advertising industry is available at:

http://www.youronlinechoices.eu

International Chamber of Commerce United Kingdom

Information on the ICC (UK) UK cookie guide is available on the ICC website:

http://www.international-chamber.co.uk/our-expertise/digitaleconomy

Please note that we take no responsibility for the content of these or any other third party websites.

Cookies used on the Vanquis Website

To make full use of the Vanquis Bank website, your computer, tablet or mobile phone will need to accept cookies, as we can only provide you with certain personalised features of this website by using them.

Here's a list of the main cookies we use, and what we use them for. You'll find information about 3rd party cookies in the next section

Cookie Name

Cookie Purpose

TrackingReference

Application Form Cookies – These are cookies which allow our application process to work correctly.

Affiliate

Cellcode

ASP.NET_SessionId

Session - This is a unique ID used by the website technology to link the pages and interactions together so the web experience does not break.

__utma

Google Analytics – This is a commonly used online Analytics tool which anonymously collects information about how our customers navigate around our website so we’re able to optimise the experience we provide.

__utmb

__utmc

__utmz

__utmv

_#uid

DC Storm – This is an online Analytics tool which anonymously collects information about how our customers navigate around our website so we’re able to optimise the experience we provide.

_#sess

_#srchist

_#vdf

_#env

_#tsa

sc.UserId

SessionCam - This is a website recording service. This tool records mouse clicks, mouse movements, page scrolling and values entered into certain website forms. This service is used to provide insight into how our customers use our website to enable us to optimise the experience we provide.

How to reject or delete this cookie
                   
http://www.sessioncam.com/Privacy-policy.aspx 

 

 sc.ASP_NET_SESSIONID

 

 

Third Party Cookies

Some of the cookies on the Vanquis Bank website are not set by Vanquis Bank.

A cookie set by Vanquis Bank this is known as a ‘first party cookie’. Cookies set by other persons on a Vanquis Bank website are referred to as ‘third party cookies’. Examples of these include third party cookies set by business partners of Vanquis Bank.

Vanquis Bank does not control the ‘third party cookies’ and the responsibility for their use lies with that third party.

We suggest you check with the third party websites for more information about their cookie policies and how to manage them.

Some of the business partners that may set third party cookies on the Vanquis Bank website include:

Partner Name

Cookie Name

Cookie Purpose

Facebook

datr

These are required to enable social media share buttons on the website.

LinkedIn

_lipt

Stumbleupon

ASP.NET_SessionId

Digg

traffic_control

Twitter

_twitter_sess

Delicious

leo_auth_token

Reddit

reddit_first

Google Bookmarks

GAPS

Provident Financial

ASPSESSIONIDQSCADBCT

This is used to track referrals to the website of our parent company Provident Financial.

Credit Expert

JBOXadmin

This is used to monitor referrals we make to this website.

CPP

ASP.NET_SessionId

This is used to monitor referrals we make to this website.

OMG

ASP.NET_SessionId

This is used to track referrals made by OMG network.

Affiliate Window

ASP.NET_SessionId

This is used to track referrals made by Affiliate Window network.

Credit Benefit Services

ASP.NET_SessionId

This is used to track referrals made by CBS network.

Direct News

ASP.NET_SessionId

This is used to supply images for our news section.

Criteo

widget.criteo.com

This is used to provide information about your visit to our websites so we can show you advertising that is relevant to you.

Criteo

ssl.widget.criteo.com

This is used to provide information about your visit to our websites so we can show you advertising that is relevant to you.

 

Managing Cookies

If your browser cannot accept cookies your use of the Vanquis Bank website and the Web in general may be limited.

To manage cookies

If you're not sure of the type and version of web browser you use to access the Internet:

For PC's: click on 'Help' at the top of your browser window and select the 'About' option

For Macs: with the browser window open, click on the Apple menu and select the 'About' option

 

How to check cookies are enabled for PCs

Google Chrome

1. Click on 'Tools' at the top of your browser window and select Options

2. Click the 'Under the Hood' tab, locate the 'Privacy' section, and select the 'Content settings' button

3. Now select 'Allow local data to be set'

Microsoft Internet Explorer 6.0, 7.0, 8.0

1. Click on 'Tools' at the top of your browser window and select 'Internet options' , then click on the 'Privacy' tab

2. Ensure that your Privacy level is set to Medium or below, which will enable cookies in your browser

3. Settings above Medium will disable cookies

Mozilla Firefox

1. Click on 'Tools' at the top of your browser window and select Options

2. Then select the Privacy icon

3. Click on Cookies, then select 'allow sites to set cookies'

Safari

1. Click on the Cog icon at the top of your browser window and select the 'Preferences' option

2. Click on 'Security', check the option that says 'Block third-party and advertising cookies'

3. Click 'Save'

 

How to check cookies are enabled for Macs

Microsoft Internet Explorer 5.0 on OSX

1. Click on 'Explorer' at the top of your browser window and select 'Preferences' options

2. Scroll down until you see 'Cookies' under Receiving Files

3. Select the 'Never Ask' option

 

Safari on OSX

1. Click on 'Safari' at the top of your browser window and select the 'Preferences' option

2. Click on 'Security' then 'Accept cookies'

3. Select the 'Only from site you navigate to'


Mozilla and Netscape on OSX

1. Click on 'Mozilla' or 'Netscape' at the top of your browser window and select the 'Preferences' option

2. Scroll down until you see cookies under 'Privacy & Security'

3. Select 'Enable cookies for the originating web site only'


Opera

1. Click on 'Menu' at the top of your browser window and select 'Settings'

2. Then select 'Preferences', select the 'Advanced' tab

3. Then select 'Accept cookies' option

 

All other browsers

Please consult your documentation or online help files.

 

Website Recording

Our website mayuse the ServiceTick Limited SessionCam web site recording service. Data collected by SessionCam is used to improve our website by enabling our web team to find and fix errors and improve the functionality of the website. To do this SessionCam may record mouse clicks, mouse movements, page scrolling and any text keyed into web site forms, however we do not record any card payment details. The information collected is stored and is also used for aggregated and statistical reporting.

Build your credit with a Vanquis Credit Card

  • Manageable starting Credit Limit of between £150 and £1,000^.
  • You could get Credit Limit increases every 4 months up to £3,000*^.
  • Exclusively UK based Customer Service.
  • Online account servicing & SMS alerts.

Representative 39.9% APR (variable)

World Vanquis credit card with slant mirror effect