Privacy Policy

This privacy policy sets out how AppleCashLoan Finance (“AppleCashLoan”) collects, uses and protects any information that you may send to AppleCashLoan through this website, send or give to a AppleCashLoan representative or if you apply for a job or other work placement with AppleCashLoan.

AppleCashLoan is committed to ensuring that your privacy is protected. AppleCashLoan does not collect any information from you when you visit this website. If you contact us via the website, then you can be assured that any information you send us will only be used in accordance with this privacy policy.

AppleCashLoan reserves the right to amend or vary this policy from time to time by updating this page. This policy is effective from 31 May 2018 and was updated in June 2020.

For the purposes of the General Data Protection Regulation (“GDPR”), the data controller is AppleCashLoan Finance, which is a Swedish company with company registration number 556093-2583.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We do however share your information with certain third parties in the circumstances described in this policy.

You may request details of personal information which we hold about you under the GDPR. If you would like a copy of the information held on you please write to AppleCashLoan Finance, P.O. Box 27823, 115 93 Stockholm, Sweden.

If you believe that any information we are holding on you is incorrect or incomplete, please contact us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

What information we collect

We do not collect any information from visitors to this website. However if you contact us, we may keep a record of that correspondence.

Contact Details. If you give a representative of AppleCashLoan your contact details then we may keep those details, which may include your name, organisation, job title and contact details, on file for future business use.

Careers and Recruitment. If you apply for a job or work placement at AppleCashLoan the information we collect about you may include: individual details (name, address (including proof of address), other contact details (e.g. email and telephone numbers), gender, date and place of birth, nationality, employer, job title); identification details (identification numbers issued by government bodies or agencies, such as your national insurance number, passport number, tax identification number and driving licence number); credit, anti-fraud and sanctions information (credit history, financial information, credit score and information received from various anti-fraud and sanctions databases relating to you); special categories of personal information (and, in particular, state of health); and criminal convictions information (information relating to your criminal convictions and offences, if applicable)

Know Your Suppliers and Counterparties. If you are an actual or prospective contractor, supplier, service provider, consultant, joint venture partner or other counterparty that we engage or do business with, or you work for, represent or beneficially own any of the same, we may collect certain personal information about you. This may include individual details (name, address (including proof of address), other contact details (e.g. email and telephone numbers), gender, date and place of birth, nationality, employer, job title; identification details (identification numbers issued by government bodies or agencies, such as your national insurance number, passport number, tax identification number and driving licence number); credit, anti-fraud and sanctions information (credit history, financial information, credit score and information received from various anti-fraud and sanctions databases relating to you); special categories of personal information (and, in particular, your political opinions); and criminal convictions information (information relating to your criminal convictions and offences, if applicable). We may collect this personal information from you, your employer, the person that has engaged you or that you represent, anti-fraud databases, sanctions lists, court judgements, other databases and third party due diligence and know your counterparty service providers such as World-Check (see below for more information).

Use of your information

We may use your personal information if:

• it is necessary for the performance of a contract with you or necessary in connection with a legal obligation; or
• you have provided your consent to such use; or
• we consider such use of your information as not detrimental to you, within your reasonable expectations, having a minimal impact on your privacy, and necessary to fulfil our legitimate interests; or
• we are otherwise required or authorised by law.

We use your information to:

• maintain and develop our relationship with you;
• facilitate our internal business operations;

Careers and Recruitment. If you apply for a job or work placement at AppleCashLoan, we may use your personal information to assess your application and to allow us to carry out both recruitment analytics and any monitoring activities which may be required of us under applicable law as an employer. We may also carry out screening checks (including reference, background, directorship, financial probity, identity, eligibility to work, vocational suitability and criminal record checks) and consider you for other positions.

The lawful basis on which AppleCashLoan will rely to process this information will be:

• for all personal information, the legitimate interest (we have a legitimate interest in knowing the identity and background of the individuals we employ or engage to ensure we have the appropriate staff to comply with our various legal and regulatory obligations and ethical duties); and
• for special category data and criminal data – employment protection.

We may disclose your personal information to recruiters, screening check providers, health service providers, professional and trade associations, law enforcement agencies, recruitment analytics and research providers, referees, your current and previous employers and third party due diligence and know your counterparty service providers such as World-Check (see below for more information). We may also collect your personal information from these parties in some circumstances. Without your personal information we may not be able to progress considering you for positions with us.

Know Your Suppliers and Counterparties. If you are an actual or prospective contractor, supplier, service provider, consultant, joint venture partner or other counterparty that we engage or do business with, or you work for, represent or beneficially own any of the same, we may use your personal information when we co-operate with supervisory and lawful authorities in order to comply with the laws and regulations that apply to us – for example, to help us comply with legislation on money laundering, modern slavery and terrorist financing or where we do due diligence on, and monitor and store details (including personal information) about, the people we engage or do business with in accordance with regulatory requirements. We may also collect and disclose your personal information under orders from courts and regulators to those persons who are entitled to receive the required information. In some cases, this personal information may include special categories of personal information (and, in particular, your political opinions) and criminal convictions information (information relating to your criminal convictions and offences, if applicable). Where we use your personal information for the purposes set out in this paragraph:

• we do so on the following legal bases:
  • for all personal information: compliance with a legal obligation; and legitimate interest (we have a legitimate interest understanding more about the organisations and people we engage and contract with and ensuring the efficacy of our supply chain); and
  • for special category and criminal data – preventing or detecting unlawful acts, and suspicion of terrorist financing or money laundering; and

• we may provide your relevant information to third party due diligence and know your counterparty service providers such as World-Check (see below for more information).

World-Check. Where we share your information with World-Check, which is provided by Refinitiv Limited,  for due diligence and know your counterparty checks, World-Check will use your information as a separate controller for data protection purposes in accordance with its separate privacy notice, which may be accessed here: https://www.refinitiv.com/en/products/world-check-kyc-screening/privacy-statement. We encourage you to review World-Check’s policy where this is relevant to you.

Retention of your information

We will only retain your personal information for the periods set out below:

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.

Your rights in relation to the information that we collect

Under certain circumstances, by law you have the right to:

• be informed of the purpose and basis for processing your personal information, amongst other things;
• request access to your personal information (commonly known as a “data subject access request”);
• request the rectification of any inaccurate or incomplete personal information that we hold about you;
• request erasure of your personal information in certain circumstances;
• object to processing of your personal information 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;
• restrict processing of your personal information in certain circumstances; and
• obtain a portable copy of your personal information or to have a copy of that information transferred to a third party.

How we use cookies

A cookie is a small encrypted text file which asks permission to be stored on your browser or on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our Website and to deliver a better and more personalised service. Some of the cookies we use are essential for the Website to operate.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to visitor needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the website.

You can read more about how to administer cookies stored on your computer at www.aboutcookies.org

Cookies used on our website