Privacy & Cookie Policy

1. Introduction

1.1 Ramsdens Financial Limited ("we", "us", "our") are committed to protecting and respecting your privacy. The privacy policy ("Policy") (together with our terms of use and any other documents referred to in it) sets out the basis on which any personal information we collect from you, or that you provide to us, will be used and shared by us. In this Policy, references to "you" or "your" shall mean you as a user of www.ramsdensforcash.co.uk, www.ramsdensjewellery.co.uk, www.ramsdensplc.com , www.ramsdenscurrency.co.uk, www.ramsdenspawnbrokers.co.uk, www.ramsdensgoldbuying .co.uk (our "websites") and /or a customer of our services (our "services"). Please read the following carefully to understand how we will use your personal information.

2. About us

2.1 Under the terms of the UK General Data Protection Regulation, Ramsdens Financial Limited are a data controller registered with the Information Commissioners Office under registration number Z6066000. Our registered office address is Unit 16, Falcon Court, Preston Farm Industrial Estate , Stockton On Tees, TS18 3TS .

2.2 If you have any questions concerning your personal information or any queries with regard to our processing please contact our data protection lead at customerfeedback@ramsdensfinancial.co.uk

3. Collecting your personal information

3.1 We may collect personal information:

(a) directly from you when you provide it to us when you make an application or by filling in a form on our website. This includes information provided at the time of registering to use our website where registration is required, subscribing to our services, posting material on our website or requesting further services;

(b) if you contact us, for example, to make a complaint or to report a problem with our website, we may keep a record of that correspondence;

(c) through the transactions that you carry out through our website and through the fulfilment of your orders;

(d) from public records and other third parties where we have your permission to do so;

(e) through the use of our website, including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access;

(f) through your computer, including where available by collecting your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual;

(g) if you make a telephone call to our Head Office (please note that calls are recorded for training and security purposes);

(h) through Google Analytics, which collects and uses data from our company websites so we can track visitor's data.

(i) through our use of User Analytics software which helps us to better understand the customer journey on our website which includes, but is not limited to, session heatmaps and recordings; and

(j) when visiting our premises via CCTV (images which are held for a minimum of 15 days are only used where a crime has been committed or suspected of being committed and shared with law enforcement as the only third party for the purposes crime detection or prevention)

4. Personal information collected

4.1 When you register to use our website and/or services we may ask you to provide certain information such as your name, address, date of birth, email address, contact number, employment information, and bank account details.

4.2 The provision of some of the above information is mandatory if you are to receive certain of our services. If you fail to provide such personal information we shall be unable to provide certain services.

5. Uses of your personal information

5.1 We may use personal information help about you in the following ways:

(a) to manage your account;

(b) to carry out our obligations arising from any contracts entered into between you and us;

(c) to prevent fraud and money laundering;

(d) to provide you with information about products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes. You will be able to opt-out of such communications at any time by following the instructions in section 13 of this Policy;

(e) to ensure that content from our website is presented in the most effective manner for you and for your computer;

(f) to allow you to participate in interactive features of our service, when you choose to do so; and

(g) to notify you about changes to our services.

6. Legal basis for using your personal information

6.1 We will only use your personal information where it is permitted by law and where:

(a) we need to use your personal information to perform a contract with you;

(b) we need to use your personal information to comply with our legal obligations; and

(c) it is in our interests and there is no disadvantage to you or risk to your personal information.

7. Sharing your personal information

7.1 We will share your personal information with:

(a) service providers and third party partners who process and store data on our behalf,

(b) any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

7.2 We may also share your personal information with third parties:

(a) if we sell any business or assets, in which case we may disclose your personal information to the prospective buyer of such business or assets;

(b) if we or substantially all of our assets are acquired by a third party, in which case personal information held by us about our customers will be one of the transferred assets;

(c) if we are under a duty to disclose or share your personal information in order to comply with any legal obligation;

(d) in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; and

(e) to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

7.3 We may also share your personal information with credit reference agencies for the purpose of assessing your credit score where we are seeking to recover an unpaid debt. For further information about the use of your personal information by credit reference agencies, please visit http://www.experian.co.uk/crain/index.html You have a legal right to obtain details of those credit reference agencies from whom we obtain and to whom we pass information about you. For further information about the use or your personal information by credit reference agencies, please contact us using the details located at section 15 of this Policy.

8. Automated decision-making

8.1 In certain circumstances, we may use your personal information in automated processes to make decisions about you, such as how much we are willing to lend to you. We might also use automated processes to create a profile of you. We do this to help ensure decisions are made accurately, fairly and efficiently. For more information about how we use automated decision-making, please contact us using the details located at section 15 of this Policy.

9. Transferring your personal information outside of the UK

9.1 The personal information that we collect from you will be stored within the European Economic Area ("EEA"). If we need to transfer your personal information outside of the EEA to countries where data protection laws may not provide the same level of protection as those in the EEA, we shall ensure that any such transfers are lawful and that your personal information is kept secure.

9.2 Please be aware that if you utilise the Western Union service using a Ramsdens branch then the personal information collected may be stored at a location outside of the EEA. By submitting your personal information, you agree to this transfer, storing or processing. We will take all reasonable steps to ensure that your personal information is treated securely and in accordance with this Policy

10. Keeping your personal information secure

10.1 All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

10.2 Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your data transmitted to our website, any transmission is at your own risk. Once we have received your personal information, we will use strict procedures and security features to try to prevent unauthorised access.

11. Retention of your personal information

11.1 We only keep your personal information for as long as we need to for the purposes we have set out above. We will retain your personal information for a maximum period of six years unless a longer period is required by law. Further information about how long we keep your personal data is available from our data protection lead officer on request.

12. Your rights

Data protection laws give you a number of rights as set out below. If you would like to exercise any of your rights, please contact us using the details at section 15 of this Policy.

Right to be informed: We will provide you with information including: our purposes for processing your personal data, the retention periods for that personal data, and who it will be shared with.

Right to access your personal information: you may request access to a copy of your personal information. Please make all requests for access to customerfeedback@ramsdensfinancial.co.uk, in branch or by telephone into Ramsdens Customer Services.

Right to rectification: you may ask us to rectify any inaccurate information we hold about you. If you would like to update the personal information we hold about you, please contact us.

Right to erasure: you may ask us to delete your personal information. If you would like us to delete the personal information we hold about you, please contact us, specifying why you would like us to delete your personal information.

Right to portability: you may ask us to provide you with the personal information that we hold about you in a structured, commonly used, machine readable format, or ask for us to send such personal information to another data controller.

Right to restriction: you can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected to our use of it.

Right to object: you may object to our processing of your personal information pursuant to this Policy. Please contact us, providing details of your objection.

Right in relation to automated decision making and profiling: You shall have the right not to be subject to a decision based solely on automated processing, including profiling,

if you have given us consent to use your personal information to send you marketing, you can withdraw your consent at any time.

13. Communicating with you

13.1 Where you have consented to receive communications, we may contact you via SMS text message or by e-mail. You can unsubscribe at any time following the instructions below:

(a) E-mail - please click the unsubscribe link at the bottom of our e-mails.

(b) SMS text message - please text RAMSTOP to 60777. Please note that we will not charge you for this message, however you may incur a charge via your network provider. Alternatively, if you wish to opt out of electronic communications at any point, you can e-mail customerfeedback@ramsdensfinancial.co.uk and we will update your preferences.

14. Changes to this Policy

14.1 Any changes we may make to our Policy in the future will be posted on our website and, where appropriate, notified to you by e-mail.

14.2 This Policy was last updated on 21^st July 2025

15. Contact Us

15.1 If you have any questions relating to this Policy, our website or our services or wish to exercise any of your rights, please direct your enquires as follows:

(a) Enquiries about the Policy and your data:customerfeedback@ramsdensfinancial.co.uk or write to us at Ramsdens Financial Limited, Unit 16 Falcon Court, Preston Farm Industrial Estate , Stockton-on-Tees TS18 3TS. If we cannot resolve your enquiry or complaint about our use of your data, you may make a complaint to the UK supervisory authority, which is the Information Commissioner's Office, by visiting their website at www.ico.org.uk, by phoning 0303 123 1113 (local rate) / 01625 545 745 (national rate), or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

(b) Enquiries about our website and our services:

customerfeedback@ramsdensfinancial.co.uk or write to us at Ramsdens Financial Limited, Unit 16 Falcon Court, Preston Farm Industrial Estate, Stockton-on-Tees, TS18 3TS Please note that email will be acknowledged within 24 hours, Monday to Friday 9am-5pm. Emails sent on a weekend or bank holiday will not be picked up until the following working day. If we cannot resolve your enquiry or complaint about our website or our services, you may also contact the Financial Ombudsman Service by writing to Financial Ombudsman Service, Exchange Tower, 1 Harbour Exchange Square, London E14 9SR or by calling 0800 023 4567 for consumer credit products only

About Ramsdens Financial Limited and this Cookie Policy

Ramsdens Financial Limited has its registered offices at Unit 16 Falcon Court, Preston Farm Industrial Estate, Stockton on Tees, TS18 3TS. In this Cookie Policy, we use the term Ramsdens Financial Limited (and "we", "us" and "our") to refer to the head office of Ramsdens Financial Limited at the registered address above, and our stores.

Please take a moment to read the following policy that explains how we use cookies and similar technologies on our websites, mobile applications and other digital platforms (together referred to as the “Platforms”).

Like most platforms, Ramsdens Financial Limited logs IP addresses and uses cookies and similar technologies that allow us to recognise you and to customise your experience, and provide us with information about the way our visitors access our Platform. You can find out more about how we use cookies and related technologies below.

What is a cookie?

Cookies are text files, containing small amounts of information, which are downloaded to your computer or mobile device when you visit a website or mobile application. They are used to recognise your computer as you move between pages on a website, or when you return to a website or mobile application you have visited previously. Cookies are required for the operation of our website, or to work more efficiently, as well as to provide information to the owners of the platform.

We use cookies to enhance the online experience of our visitors (for example, by remembering your language and/or product preferences) and to better understand how our Platform is used. Cookies will tell us, for example, whether you have visited our Platform before or whether you are a new visitor. They can also help to ensure that adverts you see online are more relevant to you and your interests.

There are two broad categories of cookies:

• First party cookies, served directly by Ramsdens Financial Limited to your computer or mobile device. They are used only by Ramsdens Financial Limited to recognise your computer or mobile device when it revisits our Platform.
• Third party cookies, which are served by a third party service provider on our Platform, and can be used by the service provider to recognise your computer or mobile device when it visits other platforms. Third party cookies are most commonly used for platform analytics or advertising purposes.

Cookies can remain on your computer or mobile device for different periods of time. Ramsdens Financial Limited use both 'session cookies' and ‘permanent cookies’. Session cookies exist only while your browser is open and are deleted automatically once you close your browser. Permanent cookies survive after your browser is closed, and can be used to recognise your computer or mobile device when you open your browser and browse the internet again.

What cookies does Ramsdens Financial Ltd use?

The Platform serves only the following types of cookies to your computer or mobile device:

Cookie name	Purpose
Strictly Necessary Cookies	Strictly necessary cookies allow core website functionality such as user login and account management. The website cannot be used properly without strictly necessary cookies.
Performance Cookies	Performance cookies are used to see how visitors use the website, e.g. analytics cookies. Those cookies cannot be used to directly identify a certain visitor.
Targeting Cookies	Targeting cookies are used to identify visitors between different websites, e.g. content partners, banner networks. Those cookies may be used by companies to build a profile of visitor interests or show relevant ads on other websites.
Functionality Cookies	Functionality cookies are used to remember visitor information on the website, e.g. language, time zone, enhanced content.
Unclassified Cookies	Unclassified cookies are cookies that do not belong to any other category or are in the process of categorization.

How to control or delete cookies

The use of cookies does not always require your express consent. In particular, technical cookies do not require such consent. On the other hand, your prior consent is required for functionality cookies, analytical cookies, advertising cookies and social cookies.

You have the right withdraw your consent and refuse the use of cookies at any time and we have explained how you can exercise this right below. However, please note that if you choose to refuse cookies you may not be able to use the full functionality of our Platform.

You can set your cookie preferences by using our cookie consent tool or by changing your browser settings so that cookies from this Platform cannot be placed on your computer or mobile device. In order to do this, follow the instructions provided by your browser (usually located within the “Help”, “Tools” or “Edit” facility).

Further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org and www.youronlinechoices.eu.

Except for essential cookies, all cookies will expire after 1 year and 1 month

IP addresses

We will collect information about your computer or mobile device, including where available your IP address, operating system, log-in times and browser type. We use this information to better understand how visitors use our Platform and for internal reporting purposes. We will anonymise and share this information with advertisers, sponsors or other businesses.

Contact Us

If you have any questions or comments about this Cookie Policy, or privacy matters generally, please contact us at the address provided below.

Unit 16 Falcon Court, Preston Farm Industrial Estate, Stockton on Tees, TS18 3TS.