Pure Theatre is committed to safeguarding your privacy online. We use the information we collect about you to help us understand more about how our site is used.
The two sections following relate to:
A. Pure Theatre Members and how personal information is treated B. All other website users and customers and how personal information is treated.
A. Pure Theatre Members’ Data Some personal information including addresses, phone numbers, e-mail addresses, and other demographic information is collected for membership, subscriptions and publications, meeting registrations, submission of articles, and other similar transactions. Pure Theatre takes precautions to protect your individual information from unauthorised use. Pure Theatre may make internal use of your contact information to inform you of situations or services that may interest you. The Pure Theatre online access to contact details is a service restricted to use by members. It contains basic contact information and membership data. E-mail addresses are not released to outside organizations, except when a vendor performs a service for Pure Theatre under its supervision. Our policy is not to sell or divulge member postal mailing addresses except to those performing a service for us (e.g. journal distribution, when we supply printed address labels to our printers rather than lists.)
Pure Theatre members may change and update their addresses, e-mail address online. Author or referee information is never divulged, and is only used for purposes related to Pure Theatre, its journals, and/or manuscripts which have been submitted to them.
When you submit credit card transaction information to our site online it is authorized and cleared through our payment service provider Secpay. All payments are made securely and all card details are encrypted.
B. Non-members’ data (online customers etc) Any personal data collected on this site is information that enables us to identify you, such as your email address, name, title, and address.
Please read the following policy to understand how your personal information will be treated. This policy may change from time to time so please check back periodically.
This policy will let you know:
2. How does Pure Theatre use my information? We use the information we collect about you to help us with understanding more about how our site is used and to be able to record goods and services provided . 3. Who is collecting your information? When you are on the Pure Theatre website and are asked for personal information, you are sharing that information with Pure Theatre alone unless stated otherwise. For example, when you are using our secure online payment pages you are either going through a secure site or going through to a partner company, HSBC.
4. With whom does the Pure Theatre share your information? As a general rule, we will not disclose any of your personally identifiable information, except when we have your permission or under special circumstances, such as when we believe in good faith that the law requires it. When you are using our secure online trading pages you are going through to a partner company or using our secure server and the information you give such as your credit card number and contact information is provided so that the transaction can take place.
5. What are my choices regarding, collection, use and distribution of my information? If you indicated that you are interested in receiving information about becoming a member of the Society, or subscribing to our journals, then we may contact you about this, either electronically or otherwise. Pure Theatre does not sell give or rent user information to any third party organisations.
6. What is Pure Theatre’s policy on allowing me to update, correct, or delete my personally identifiable information? The accuracy of your individual identifying information is important to us. If you change email address or any of the other information we hold is inaccurate or out of date, please email us at firstname.lastname@example.org with your new contact details.
7. How does Pure Theatre protect my personal identifiable information? Pure Theatre is committed to taking reasonable steps to protect the individual identifying information that you provide to us.
8. What security precautions are in place to protect against loss, misuse, or alteration of my information? When you give Pure Theatre personal information that information may be stored and processed outside of the UK and we take steps to ensure that your information is treated securely. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, Pure Theatre cannot ensure or warrant the security of any information you transmit to us, and you transmit it at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.
Notification of Changes
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
To open a PayPal account, you must provide your name, address, phone number, and email address. In order to make certain payments through PayPal, you must provide credit card, debit card or bank account information. 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 or other commercial and/or identification information if you send or receive certain high-value transactions or high overall payment volumes through PayPal or as is otherwise required in order for us to comply with our anti-money laundering obligations.
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 email address, Skype ID or phone number of the third party. Also, when you send money to another PayPal customer, you may be asked to provide personal details to that customer to complete the transaction. Those details may also be passed on to us from that customer. We retain this information for each of your transactions through PayPal and may add this information to your account profile to be used for future transactions that you may make with us. We also collect the Internet address (IP address) and other identifying information about the computer or device you use to access your PayPal account, in order to help detect possible instances of unauthorised 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 & 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.
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 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.
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 for other purposes such as 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 We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.
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
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.
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, the number of payments you have received from verified PayPal users, and whether you have been verified to have control of a bank account are made available 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 not 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 pay through PayPal, we may provide the seller with the shipping address for the goods and your billing address to complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it. To facilitate dispute resolutions, we may provide a buyer with the seller’s address so that goods can be returned to the seller.
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. Also, if you request that we validate your status as a PayPal customer with a third party, we will do so.
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 in response to requirements of civil or criminal legal process.
Disclose information to the "Category" of third parties listed in the table below. The purpose of this disclosure is to allow us to provide our service to you. We also set out in the table below, under each "Category", non-exclusive examples of the actual third parties we currently disclose your account information, together with the purpose of doing so, and the actual information we disclose (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).
Party Name and jurisdiction (in brackets)
HSBC Bank Plc (United Kingdom, Ireland), Bank of America (United Kingdom, USA, Italy and India), JPMorgan Chase Bank (United Kingdom, USA), BNP Paribas (France), Netgiro (Sweden), StarFinanz (Germany), Wells Fargo (Ireland, USA), American Express (USA), National Westminster Bank PLC (UK), OmniPay Limited (Ireland), Australia and New Zealand Banking Group Limited (Australia), ANZ National Bank Limited (New Zealand) and Transaction Network Services (UK) Limited (UK)
To allow payment processing settlement services, fraud checking.
Name, address, details of user funding instruments, details of payment transactions
Royal Bank of Scotland plc (United Kingdom) ("RBS")
To allow payment processing and dispute handling for transactions of PayPal users when those users transact with a merchant who uses the PayPal service via the RBS service.
All account information except details of user financial instruments
PricewaterhouseCoopers Sàrl (Luxembourg)
Selection of a sample of individual client accounts to test PayPal’s Anti Money Laundering (AML) & Know Your Customer (KYC) controls.
Name, PayPal account number (Customer ID), total amount received on the PayPal account, total amount sent from the PayPal account, type of PayPal account, and, as the case may be, any other relevant account information.
Customer Service Outsourcing
Sutherland Global Services Inc. (USA and Philippines), Sitel GmbH (Germany) and Transcom Worldwide SAS (France, Tunisia)
Telephone and e-mail customer support services
Name, address, telephone number, email addresses, truncated and limited or full funding source information (case dependent), 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.
Nuance Communications, Inc. (USA)
Calibrate and optimise speech recognition performance for telephone customer support services
Recordings of a sample of customer support telephone calls, which may include any or all account information transmitted during the call.
Credit Reference and Fraud Agencies
Callcredit plc., Experian Limited and Dun & Bradstreet Limited (UK), CIFAS (UK), CRIF (Italy), Cerved B.I (Italy), Synectics Solutions Limited, Equifax Ltd, MCL Hunter, GB Group plc (UK), Graydon (UK), iQor Recovery Services Limited (UK). Data disclosed to these agencies may be transferred outside of the EU and on a global basis.
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, assist in debt recovery, manage PayPal account and undertake statistical analysis, undertake research as to appropriateness of new products and services and system checking. Data disclosed may be retained by the applicable credit reference and fraud agency for audit and fraud prevention purposes.
Name, address, date of birth, time at address, telephone number, legal form, time in business, company registration number, VAT number, relevant transaction information (if appropriate)
Scorex (UK) Limited (UK)
To provide a technology solution to allow PayPal to process, send and receive credit information of users via its contracted credit reference agencies.
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)
Verify identity, carry out checks for the prevention and detection of crime including fraud and/or money laundering 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.
Santander UK Cards Limited (United Kingdom)
Joint marketing campaigns for PayPal Credit, and PayPal Credit Card, risk modelling, enforcement of terms and conditions for PayPal Credit and PayPal Credit Card
Name, address, e-mail and account information
The Royal Bank of Scotland plc (United Kingdom), TSYS Card Tech Limited (United Kingdom), TSYS Managed Services EMEA Limited (United Kingdom), TSYS Systems Services Inc. (USA)
Joint marketing campaigns for PayPal pre-paid card, risk and fraud modelling, enforcement of terms and conditions for PayPal prepaid card
Name, address, e-mail and account information
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.
UCN (USA) and Decipher Inc. (USA)
Execution of customer service surveys
Name, e-mail address, type of account, type and nature of PayPal services offered or used and relevant transaction information.
Adwise (France) and Axance (France)
Execution of marketing surveys
Name, e-mail address, telephone number, type of account, type and nature of PayPal services offered or used and relevant transaction information.
Noesis srl (Italy) and Lansons Communications (United Kingdom) Text 100 (Spain and Netherlands) and I&E Consultants (France)
Response to media enquiries regarding customer queries
Name, address, customer account information relevant to customer queries
Alchemy Worx Ltd (United Kingdom)
To allow management reporting of marketing campaigns.
Name, e-mail address, details of customer campaign interaction.
KSP Kanzlei Dr. Seegers, Dr. Frankenheim & Partner Lawyers (Germany), NCO Collections Europe Limited, Robinson Way, Intrum Justitia Limited (United Kingdom), IQOR Recovery Services Limited (UK)
Name, address, telephone number, account number, e-mail, account type, last four digits of financial instruments account, account balance, details of account transactions and liabilities.
PayPal Inc. (USA)
Acting on behalf of PayPal or the purposes of storing and processing of account information
All account information
PayPal Europe Services Limited (Ireland) and eBay 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 Europe S.á r.l. (Luxembourg), eBay International AG (Switzerland), eBay CS Vancouver Inc. (Canada), eBay Partner Network, Inc. (USA), , Skype Communications SA (Luxembourg), Skype Software SA (Luxembourg), Skype Inc. (USA), GumTree.com Limited (UK), Kijiji International Limited (Ireland), Kijiji US, Inc. (USA), mobile.de & eBay Motors GmbH (Germany), Shopping.com Inc. (USA), Shopping Epinions International Limited (Ireland), PayPal Australia Pty Limited, Marktplaats B.V (Netherlands), Tradera AB (Sweden), StubHub, Inc. (USA), Viva Group, Inc. (USA), ProStores Inc. (USA), MicroPlace, Inc. (USA), Internet Auction Co., Ltd. (Korea), Via-Online GmbH (Germany)
provide joint content and services (like registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of policies, and to guide decisions about their products, services and communications (not acting as a sub-contractor of PayPal)
All account information
CSSF (Luxembourg) Financial Ombudsman Service (United Kingdom), Altroconsumo (Italy), European Consumer Centre Network organisations located in Austria, Belgium, Bulgaria Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom and the, 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, IP address, 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.
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 claims made by users via PayPal, respond to requests for customer service, inform you if we believe your account or any of your transactions have been used for an illegitimate purpose, confirm information concerning your identity, business or account activity, conduct customer surveys or investigate suspicious transactions. We use your email or physical 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 marketing 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.
PayPal is committed to handling your customer information with high standards of information security. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorise access to personal information only for those employees who require it to fulfil their job responsibilities.
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 email@example.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 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.
IMPORTANT DATA PROTECTION FOR CUSTOMERS OF PAYPAL PRO -- A GUIDE TO THE USE OF YOUR PERSONAL DATA BY PAYPAL EUROPE SARL & CIE, SCA 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) S. à.r.l. & Cie, S.C.A. 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 Website 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) S.A.R.L. & CIE, S.C.A DOES
Please read this section very carefully.
When you apply to us for Website 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 Website 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 Website Payments Pro:
Where you have access to and use Website Payments Pro with us, we will give details of your PayPal account and other details of your use of Website 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 Website 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 six 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 Ltd, Consumer Services Team, PO Box 491 Leeds, LS3 1WZ or call GB +44 8700601414 Call or log on to www.callcredit.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call GB +44 8702416212 Call or log on to www.experian.co.uk
Equifax Plc, Customer Advice Centre, PO Box 3001, Bradford, BD1 5US or call GB +44 8700100583 Call or log on to www.equifax.co.uk
Dun & Bradstreet, Customer Service Department, Westminster House, Portland Street, Manchester M1 3HU or call GB +44 8702432344 Call or log on to http://www.dnb.co.uk/
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 PayPal (Europe) S.à r.l. & Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg. You have a legal right to these details.