1. Introduction

nextdayoption.com respects your Privacy and is Committed to protecting your Personal Data. This privacy notice will inform you on how we look after your personal data when you visit our website (regardless of where you visit it from), inform you about your Privacy Rights and how the law protects you.

2. Important information and who we are

The Purpose of this privacy notice is to provide information on how nextdayoption.com collects and processes your personal data on this website, including the data which you provide when you request an offer of credit from one of our trusted Third party lender partners.

Let’s clear it beforehand that this website is not intended for children and we do not knowingly collect data relating to children.

Controller

nextdayoption.com act as a controller and is responsible for all your personal data (collectively referred to as "nextdayoption.com", "we", "us" or "our" in this privacy notice). We have appointed a Data Protection Officer (DPO) who will be responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, feel free to Contact us in the first instance.

Changes to the privacy notice will be notified to you from time to time.

It is important that the personal data We hold about you is Accurate and Current. Please keep us informed if your Personal data changes during your relationship with us.

Third-party links

This website may include links to Third-party websites, Plug-ins and Applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. nextdayoption.com does not control these Third-party websites and are not responsible for their privacy notices. When you leave nextdayoption.com, we advise you to read the privacy notice of every website you visit.

The Data we Collect

nextdayoption.com collects Personal data, or any sort of personal information about an Individual from which that person can be identified and keep it safe. It does not include data where the identity has been removed (anonymous data).

nextdayoption.com may Collect, Use, Store and Transfer different kinds of Personal data about you which have been grouped together as follows:

Identity Data: Includes first name, last name, marital status, number of dependents, title, date of birth and gender.

Financial Data: Includes bank account and payment card details, employer name and industry, time at employer, net monthly income, pay frequency, pay dates, and expenses details.

Transaction Data: Includes details about your requests for offers of credit from our trusted third party lender partners.

Technical Data: Includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.

Profile Data: Includes your requests for offers of credit from our trusted third party lender partners, preferences and feedback.

Usage Data: Includes information about how you use our website, products and services.

nextdayoption.com also collects, uses and shares Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data it can directly or indirectly identify you. Therefore, we treat the combined data as personal data which will be used in accordance with this privacy notice.

nextdayoption.com does not collect any Special Categories of Personal Data about our customers (this includes details about race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Also, nextdayoption.com does not collect any information about criminal convictions and offences.

If in case you Fail to provide Personal Data

nextdayoption.com needs to collect personal data by law, or under the terms of a Contract with you and if you fail to provide the data when requested, we will not be able to perform the Contract, we have or are trying to enter into with you (for example, to process a request for an offer of credit from our trusted third party lender partners).

3. How is your personal data collected?

nextdayoption.com uses different methods to collect data from and about you including through:

Direct interactions :

You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

- request an offer of credit from our trusted third party lender partners;

- request marketing to be sent to you;

- give us feedback.

Automated technologies or interactions: As you interact with our website, our website will automatically collect Technical Data about your Equipment, Browsing actions and Patterns. nextdayoption.com collects this personal data by using cookies, server logs and other similar Technologies. nextdayoption.com may also receive Technical Data about you if you visit other websites, employing our cookies.

Please have a look at our Cookie policy below for further details.

​ Please have a look at our Cookie policy below for further details. Third party sources: nextdayoption.com may receive personal data about you from various third parties as set out below:

- Technical Data from the following parties:

a. analytics providers such as Google based outside the EU;

b. advertising networks based inside and outside the EU; and

c. information processing providers based outside the EU.

- Identity and Contact Data from data brokers or aggregators based inside and outside the EU.

- Trusted affiliate websites, networks and third party lender partners.

4. How we utilize your personal data

nextdayoption.com will use your Personal Information for Analyzing and Modelling your personal Information (such as predicting information about you), to help you to be traced if important information or assets should be returned to you. We may also use your data in a similar manner to aid debt recovery. The data may also be used to prevent fraud by helping to identify you (for instance when applying for new products). We may also provide the data (including the modelled data) to other organisations to aid the assessment and pricing of credit, insurance and similar financial products for you, in particular when very little data is available to us. In addition, the data may be used for the prevention or detection of crime. The Apprehension or Prosecution of Offenders, or the Assessment or Collection of a Tax or Duty or an Imposition of a similar nature.

nextdayoption.com will only use your personal data when the law allows us to. Most commonly, we will use your Personal data in the Following Circumstances:

Where we need to perform the contract we are about to enter into or have entered into with you.

Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.

Where we need to comply with a legal or regulatory obligation.

Generally, we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or SMS. You have the right to withdraw consent to marketing at any time by contacting us.

By providing your information to nextdayoption.com via the Application form on this website, you are allowing your data to be used to inform future Promotion algorithms.

Purposes for which we will use your personal data.

In a Table Format, We have set out below a description of all the ways we plan to use your personal data, and the legal bases we rely on to do so. We have also identified what our legitimate interests are where needed.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.

Purpose/Activity	Type of data	Lawful basis for processing including basis of legitimate interest
To process your requests for offers of credit from our trusted third party lender partners	(a) Identity (b) Contact (c) Financial (d) Transaction	Performance of a contract with you. This will include automated decision making on the part of our trusted third party lender partners
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	(a) Identity (b) Contact (c) Technical	(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) (b) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you	(a) Identity (b) Contact (c) Profile (d) Usage (e) Marketing and Communications (f) Technical	Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences	(a) Technical (b) Usage	Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)

Promotional offers from us

nextdayoption.com may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications from us, if, you have provided us with consent to contact you and you have not opted out of receiving that marketing.

Cookies

nextdayoption.com uses cookies to distinguish you from other users of our website. This helps us to provide you with a Good Experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.

A Cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

We use the following cookies :

• Analytical/performance cookies : They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works. For example, by ensuring that users are finding what they are looking for easily.
• Functionality cookies: These are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences. For example, your choice of language or region).
• Targeting cookies: These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Name(s)	Purpose
subaccount, source, referrer, keyword, uuid	These cookies enable us to determine how you and other users of nextdayoption.com arrived at the site.

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control.

You can block Cookies by activating the Settings on your Browser that allows you to refuse the Setting of all or some Cookies.

5. Disclosures of your personal data

We may have to share your personal data with the parties set out below for the purposes set out in the table in paragraph 4 above.

- Internal Third Parties as set out in the Glossary.

- External Third Parties as set out in the Glossary.

Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

6. International transfers

Some of our external third parties are based outside the European Economic Area (EEA) so their processing of your personal data will involve a transfer of data outside the EEA.

Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by using specific contractual clauses which give personal data the same protection it has in Europe.

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.

7. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other service providers who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. Data retention

How long will you use my personal data for?

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

9. Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. These rights are listed and described below:

• Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
  
• Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
  
• Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
  
• Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
  
• Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
  
• Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
  
• Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
  

If you wish to exercise any of the rights set out above, please contact us.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

10. Glossary

LAWFUL BASIS

• Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
  
• Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
  
• Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.