glo's Privacy Policy

Introduction

We’re committed to protecting your privacy in accordance with the Data Protection Act 1998 (the "Act"). Please read the following information which will help you understand how your personal data may be used.

Using your personal information

We, glo a trading name of Provident Personal Credit Limited, will only collect information from you which will help us provide the service you request from us. We may use all the information you give to us, or we hold about you to provide and manage the product you have applied for, help make decisions about credit, recover debt and identify products and services which may be of interest. This includes information about the conduct (including details of transactions) of any account that you have with us, any of our group companies (the Provident Financial Group) or an associated company. We may also use your information to help us develop and improve our products and services for the benefit of yourself and other customers.

We will not keep your personal data for longer than necessary, or longer than as required by law.

Sharing your personal information

We may share your information with the Provident Financial Group and its associated companies and with service providers including CIFAS, third-party research organisation or agents for the purposes of account management, making credit decision, tracing, debt collection, fraud prevention and detection, to prevent money laundering, market research and statistical analysis. You understand that we may also give essential information about your account to others, where you have provided your agreement, if we are compelled to do so by law or for regulatory purposes.

We may also compile and share statistics about our users and their preferences. However, these statistics are anonymous and do not identify individual users.

Credit reference agencies

We will use the information you provide to decide if a loan from glo is right for you. Your application will be registered on your credit report under the name Provident Personal Credit Limited (whether the application is successful or not). Making several applications for credit within a short period of time could affect your ability to get credit elsewhere.

We may also use the information to satisfy us that the application has been made by you and that the information provided on the application form is true. When a loan from glo is successfully taken out, we may give details of your account and how you manage it to credit reference agencies. If you borrow from us and do not repay in full or change address and fail to tell us about it, and payments are not made on time we may inform credit reference agencies.

We’re currently working with Experian (Contact Number 0844 481 8000), Call Credit (Contact Number 0845 366 0071) and Equifax (Contact Number 0844 335 0550). If you’d like more information on any of these Credit Reference Agencies, please visit their websites.

When you give us your details to our online application we use SSL encryption to protect the information.

Checking my identity and fraud checks

CIFAS Fair Processing Notes

  • If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
  • Law enforcement agencies may access and use this information.
  • We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
    • Checking details on applications for credit and credit related or other facilities
    • Managing credit and credit related accounts or facilities
    • Recovering debt
    • Checking details on proposals and claims for all types of insurance
    • Checking details of job applicants and employees
    • Please contact us at glo, 1 Godwin Street, Bradford, BD1 2SU if you want to receive details of the relevant fraud prevention agencies.
    • We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Other disclosures

When you visit our site, a small piece of code called a cookie will be downloaded to your computer. We do this so we can tailor your visit and make the experience faster and easier. Many websites use cookies. For further information about cookies please visit our Cookie Policy.

Children

Our website isn’t a toy and shouldn’t be used by children! You must be over the age of 18 to use it.

Direct marketing

(1) We may contact you by post, telephone and/or email (or such other channel we may adopt from time to time) about services and/or products we offer, or by other group companies which we think might interest you.

(2) We may provide your information to other Provident Group Companies and other carefully selected companies who may contact you with information which may interest you.

You have the right at any time to stop us from contacting you or giving your details to others for marketing purposes. If you wish us to stop, please write to the DPA Officer, glo, 1 Godwin Street, Bradford BD1 2SU, call 0330 303 7070 or email us at help@glo.co.uk

Access to information

If you want to know what data we hold about you, or to have access to that data, or amend it in accordance with the "Act", please contact the DPA Officer at the above address.