Please read this Policy carefully as it contains important information about how we will process your personal data. We may change this Policy from time to time. You should check this Policy regularly to ensure you are aware of the most recent version that will apply each time you access the Website.
Information about us
The Website is operated by Brown & Gold Ltd incorporated in England and Wales under company number 07162707 and having its registered office address at Unit 4 Seacroft Shopping Centre, Seacroft, Leeds LS14 6JD (“we”/“our”).
For the purposes of the Data Protection Act 1998, we are the “data controller” (i.e. the company who is responsible for, and controls the processing of, your personal data).
How do we collect information from you?
We will obtain personal data about you in a number of circumstances including but not limited to if:
• when you apply for a loan using our Website, over the telephone or at one of our stores;
• if you sign up to our mailing list or register an online account with us; or
• if you contact us in relation to a query, a loan that we have made to you or your goods that we have taken from you in pawn.
We may receive information about you from other sources, which we will add to the information we already hold about you for the purposes listed in this Policy.
What type of information is collected from you?
The personal data we collect about you may include but is not limited to:
• your name, address, email address, date of birth and contact details
• your payment details
• IP address and information regarding our services and when you accessed them
• copies of your identity and proof of address documents that you provide to us (for regulatory purposes).
IMPORTANT: If you make a purchase from us, your card information is not held by us, it is collected by our third party payment processors, who specialise in the secure online capture and processing of credit/debit card transactions, as explained below.
How we will use the information about you used?
We may use personal data collected for the purposes of:
• purchasing any gold or jewellery from you
• processing any loan applications you may make
• preparing pawn receipts
• billing and loan fulfilment
• recovering loan repayments
• to notify you of any changes to our Website or to our products or services that may affect you
• personalising our service to you
• security, fraud prevention and detection
• improving our services
• complying with our legal obligations
We review our retention periods for personal information on a regular basis. We are legally required to hold some types of information to fulfil our statutory obligations, for example process loan applications, orders, repairs etc. We will hold your personal information on our systems for as long as is necessary for the relevant activity, or as long as is set out in any relevant contract you hold with us.
By submitting your personal information you consent to the use of that information as set out in this Policy.
Who has access to your information?
We will not sell or rent your information to third parties.
We will not share your information with third parties for marketing purposes.
Third Party Service Providers working on our behalf:
We may pass your information to our third party service providers, agents subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf. However, when we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes. Please be reassured that we will not release your information to third parties for them to use for their own direct marketing purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime.
Third Party Product Providers we work in association with:
When you are using our secure online pages, your payment is processed by a third party payment processor, who specialises in the secure online capture and processing of credit/debit card transactions. If you have any questions regarding secure transactions, please contact us.
You have a choice about whether or not you wish to receive information from us. If you do not wish to receive direct marketing communications from us about our products or services, then you can select your choices by ticking the relevant boxes situated on the form on which we collect your information.
We will not contact you for marketing purposes by email, phone or text message unless you have given prior consent. We will not contact you for marketing purposes by post if you have indicated that you do not wish to be contacted.
You may change your marketing preferences at any time by contacting us by email email@example.com or telephone on 0113 2657985 during normal store opening hours.
How can you access and update your information
The accuracy of your information is important to us. We’re working on ways to make it easier for you to review and correct the information that we hold about you. In the meantime, if you change email address, or any of the other information we hold is inaccurate or out of date, please contact us on the email or numbers above.
You have the right to ask for a copy of the information we hold about you, and can do so by emailing firstname.lastname@example.org or write to us at Unit 4 Seacroft Shopping Centre, Seacroft, Leeds LS14 6JD
Security precautions in place to protect the loss, misuse or alteration of your information
When you give us personal information, we take steps to ensure that it’s treated securely. Non-sensitive details (your email address etc.) are transmitted normally over the Internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk. Once we receive your information, we make our best effort to ensure its security on our systems. Where we have given (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
We may analyse your personal information to create a profile of your interests and preferences so that we can contact you with information relevant to you. We may make use of additional information about you when it is available from external sources to help us do this effectively. We may also use your personal information to detect and reduce fraud and credit risk.
Use of ‘cookies’
It is possible to switch off cookies by setting your browser preferences. For more information on how to switch off cookies on your computer, visit our full cookies policy. Turning cookies of may result in a loss of functionality when using our website.
Links to other websites
In addition, if you linked to our website from a third party site, we cannot be responsible for the privacy policies and practices of the owners and operators of that third party site and recommend that you check the policy of that third party site.
16 or Under
We are concerned to protect the privacy of children aged 16 or under. You must be over the age of 16 to sell us your gold or jewellery and over the age of 18 to use our pawnbroking service. Proof of age may be required.
Transferring your information outside of Europe
As part of the services offered to you through this website, the information which you provide to us may be transferred to countries outside the European Union (“EU”). By way of example, this may happen if any of our servers are from time to time located in a country outside of the EU. These countries may not have similar data protection laws to the UK. By submitting your personal data, you’re agreeing to this transfer, storing or processing. If we transfer your information outside of the EU in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that your privacy rights continue to be protected as outlined in this Policy.
If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.
The information collected on our website is used to improve our website usability and is stored and used for aggregated and statistical reporting.
Review of this Policy
We keep this Policy under regular review. This Policy was last updated in April 2020.