This website, www.lowell.com, is operated by Lowell Portfolio I Ltd and Lowell Financial Ltd to provide you with information about the Lowell group of companies.
Where we use “we”, “our” or “us” in this privacy notice, we mean Lowell Portfolio I Ltd and Lowell Financial Ltd unless we say otherwise. Where we use “our site” in this privacy notice, we mean www.lowell.com.
We buy customer accounts where there is an outstanding balance from a wide range of organisations including banks, retailers and credit card, mobile phone, home shopping and utility (gas, electricity and water) companies
If you are a Lowell customer, this means that Lowell has bought your account and we will work with you to arrange repayment of the outstanding balance.
Lowell Portfolio I Ltd buys your account and Lowell Financial Ltd manages your account on behalf of Lowell Portfolio I Ltd. This means that if we write or speak to you, it will usually be Lowell Financial Ltd that you are dealing with.
Company Lowell Portfolio I Ltd
Lowell Financial Ltd
Company number Company number 04857418
Company number 04558936
Incorporated in the UK Incorporated in the UK
Ellington House, 9 Savannah Way, Leeds Valley Park, Leeds LS10 1AB Ellington House, 9 Savannah Way, Leeds Valley Park, Leeds LS10 1AB
We are joint controllers of your information which means that we are both responsible for looking after it.
We also provide credit management solutions to other companies to help them manage the accounts that you have with them.
For details of the UK companies in the Lowell group, please see the section Who are the Lowell group below.
Each time you visit this website, we may automatically collect information about you and the device you are using, including:
- information about which pages you visit, actions you perform and which resources you use on our site
- information about how you got to our site
- your internet protocol address known as your IP address which is used to connect your device to the internet
- your device’s operating system and platform
- the type and version of the browser you are using
- browser plug-in types and versions which extend the functionality of your browser, for example Pinterest, Evernote and Adblock
- MAC addresses which are used as network addresses for Wi-Fi and Ethernet
- traffic data, which is aggregated information about the number of visitors, sessions, users and page visits to our site
- location data
- time zone setting
If you sign up to receive our newsletters, we will collect your email address.
Please see our Cookies notice for details of the cookies we use on our site.
We collect the information you provide to us directly by signing up to receive our newsletters.
We need the information we collect automatically about your visit to our site to:
- administer our site
- improve our site to ensure that content is presented in the most effective manner
- allow you to participate in interactive features of our services when you choose to do so
- analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices)
- improve your online experience.
We need the information you provide directly by filling in any of the forms to send you the newsletters you have requested.
We only collect information about you through our site (whether automatically or directly from you) on the basis that you have given your consent to us. You can withdraw your consent to us processing and storing this information at any time.
You can opt-out of receiving our newsletters at any time by following the unsubscribe instructions in any email you receive, or by contacting our Data Protection Officer:
- by letter at Data Protection Officer, Lowell Financial Ltd, PO BOX 1411, Northampton, NN2 1BQ
- by telephone.
At any time, you can disable the cookies we use on our site. Please see our Cookies notice for details of how to do this.
You do not have to give us any information. However, if you don’t provide us with your name and email address, we won’t be able to send you our newsletters and if you disable the cookies we use, you may be able to browse all of our site, but some of the features may not be available to you.
We sometimes need to share some of your information with other organisations.
If you sign up for our newsletters, we will share your information with other companies in the Lowell group, so that we can send you the newsletters you have requested.
We use Google Analytics to collect information about how you use our site. We do this to help us analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices). Google Analytics doesn’t collect information that identifies a visitor to our site. All the information that is collected is anonymous and is only used to improve how our site works. Please see our Cookies notice for more details about Google Analytics.
We also use a number of carefully selected third parties to supply us with IT products and services. We will only share your information with our suppliers where it is necessary for them to provide us with the services we need.
Your information is generally stored on servers and filing systems in the UK but from time to time it may be stored in or accessed from countries outside the UK. Where this may happen, we always make sure that there are appropriate safeguards in place, such as the model contract clauses, binding corporate rules or the EU-US Privacy Shield, to guarantee that your information – and your rights – are protected to the same high standard as under UK law.
Unfortunately sending information via the internet is not completely secure. Although we do our best to protect your information, we cannot guarantee the security of any information you transmit to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to prevent unauthorised access.
Our website may, from time to time, contain links to and from the websites of third parties. If you follow a link to any of these websites, please note that these websites have their own privacy notices and cookie notices and we do not accept any responsibility or liability for those notices or your use of those websites.
We only keep your information for as long as we need it and we will keep your information for no more than 2 years.
If you sign up to our newsletters, we will keep your information for as long as you wish to continue receiving them. If you decide you no longer want to receive our newsletters, we will add your name and email address to our list of people who don’t want to receive newsletters from us. We will keep your name on that list for as long as we send out newsletters to make sure that you don’t receive any further newsletters.
We use Google Analytics to collect details of how you use our site. We do this to help us analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices), administer our site and manage your account.
Google Analytics doesn’t collect information that identifies a visitor to our site. All the information that is collected is anonymous and is only used to improve how our site works. We do not allow Google to make any attempt to establish the identities of any users of our site. Please see our Cookies notice for more details about Google Analytics. We do not carry out any other profiling or automated decision-making in respect of the information we automatically collect about you when you visit our site.
Under the data protection rules, you have a number of rights in respect of your information.
|You have the right to||What does this mean?||How does this apply to the way we use your information?|
|Access your information||
You can ask for:
We will provide you with a copy of your personal information which we hold unless the data protection rules provide an exception that we decide to rely on. We may also edit out the names of any other individuals to protect their privacy.
Wherever possible, we will provide you with a copy of your personal information in the same manner you make your request unless we agree otherwise with you.
This privacy notice also includes the other information you can ask for about how we process your information.
|Have your information rectified||You can ask us to rectify your information if it is not accurate, complete or up to date.||We will update or correct your information, although sometimes we may need to ask you to provide evidence to confirm the changes, for example a copy of your marriage certificate if you are changing your name because you have got married.|
|Have your information erased||
This is also known as the right to be forgotten.
You can ask us to delete your information where:
This right does not apply where:
We will delete your personal information:
How long do we keep your information?
If you opt out of receiving our newsletters, we will not delete your name and address. We will add it to our list of people who don’t want to receive newsletters from us to make sure that you don’t receive any further newsletters.
|Restrict our processing of your information||
You may ask us to restrict our processing of your personal information where:
We will not process your personal information whilst we consider your request.
We will inform you if we begin processing your personal information again and explain why.
|Have your information transferred to you and/or a third party||
This is also known as the right to data portability.
You can ask us to provide you with a copy of the information which you have provided to us and which we hold electronically.
|We will provide this information to you in a commonly-used and machine readable format.|
|Object to our processing of your information, including profiling||
You can object to our use of your information, including profiling unless:
You can also object to us using your information for marketing purposes.
We use Google Analytics to collect information about how you use our site. We do this to help us analyse how visitors use our site (including behaviour patterns and the tracking of visits across multiple devices). You can opt out of being tracked by Google Analytics cookies across all websites Opt out here.
If you opt out of receiving our newsletters, we will add your name and address to our list of people who don’t want to receive newsletters from us to make sure that you don’t receive any further newsletters.
|Not to be subject to an automated decision||You can ask us to review any automated decision which has a legal or significant effect for you. You can provide us with your point of view and any additional information that you think we need and ask for a human to reconsider our decision.||We don’t make any automated decisions about you using the information we have collected about you through our site.|
What if you have a complaint?
If you have any questions, concerns or complaints about the way either Lowell Portfolio I Ltd or Lowell Financial Ltd processes your personal information, please contact our Data Protection Officer in the first instance and they will do their very best to help you by letter at Data Protection Officer, Lowell Financial Ltd, PO BOX 1411, Northampton, NN2 1BQ.
Our Data Protection Officer deals with data protection for all our UK companies, so whichever Lowell company your question, concern or complaint relates to, please contact our Data Protection Officer using these contact details.
If you are not happy with the way we have handled your complaint or are still concerned about our handing of your personal information, you have a right to take your complaint to the Information Commissioner’s Office at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF and via their website.
Who are the Lowell group?
The Lowell group is made up of the following companies incorporated in the UK
|Lowell Finance Ltd||Company number 05069513|
|Lowell Portfolio I Ltd||Company number 04857418|
|Lowell Financial Ltd||Company number 04558936|
|Lowell Solicitors Limited||Company number 08647091|
|Fredrickson International Limited||Company number 02679522|
|Lowell Receivables Financing 1 Limited||Company number 11344999|
|Interlaken Group Limited||Company number 03167536|
|SRJ Debt Recoveries Limited||Company number 05064551|
|Tocatto Ltd||Company number 05069843|
|Lowell Portfolio III Holdings Limited||Company number 08336897|
|Lowell Portfolio III Limited||Company number 08096778|
|Lowell Portfolio IV Holdings Limited||Company number 08647094|
|Lowell Portfolio IV Limited||Company number 08654105|
Changes to this notice
We will regularly review this notice and keep it updated to make sure that the information we provide you with is accurate and up to date.
Any changes to this notice will be highlighted so that you can see what has been changed.
This notice was last reviewed and updated in May 2018.