1. Introduction
   1. Our website uses cookies.
   2. We will ask you to consent to our use of cookies when you first visit our website.
2. About cookies
   1. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
   2. Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
   3. Cookies may not contain any information that personally identifies a user, but personal data that we store about you may be linked to the information stored in and obtained from cookies.
3. Cookies that we use
   1. We use cookies for the following purposes:
      1. authentication and status - we use cookies to identify you when you visit our website and as you navigate our website, and to help us determine if you are logged into our website. Cookies used for this purpose are: ASP.NET_SessionId; __RequestVerificationToken; Unregulated; ppofferie; paymentmethod; and how.
      2. cookie consent - we use cookies to store your preferences in relation to the use of cookies more generally, cookies used for this purpose are: cookiebar.
4. Cookies used by our service providers
   1. Our service providers use cookies, and those cookies may be stored on your computer when you visit our website.
   2. We use Youtube.com to provide an embedded video on our home page. This service uses cookies. You can view their privacy policy and the cookies they use at: . https://policies.google.com/technologies/cookies?hl=en#types-of-cookies
5. Managing cookies
   1. Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
      1. https://support.google.com/chrome/answer/95647 (Chrome);
      2. https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
      3. https://help.opera.com/en/latest/security-and-privacy/ (Opera);
      4. https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
      5. https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and
      6. https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).
   2. Blocking all cookies could have a negative impact upon the usability of many websites.
   3. If you block cookies, you may not be able to use all the features on our website.
6. Our details
   1. This website is owned and operated by Everyday People Financial Solutions Limited.
   2. We are registered in Scotland under registration number SC223606, and our registered office is at 7th Floor 9 George Square, Glasgow, G2 1DY.
   3. You can contact us:
      1. by post, to 7th Floor 9 George Square, Glasgow, G2 1DY
      2. using our website contact form: https://pay.MyEPFS.com/Contact
      3. by telephone, 0344 571 4030

Privacy Notice

Who we are
Everyday People Financial Solutions Limited, 7th Floor 9 George Square, Glasgow, G2 1DY (Company No. SC223606)

If you have any questions in relation to this privacy policy or how we use your personal data you can contact our Data Protection Officer using the following details:

Tel: 0141 221 4567
E-Mail: Data.Protection@myepfs.com

Purpose and legal basis of processing
We process your personal data for the purposes of contacting you on behalf of our client(s) in order to assist you in reaching a mutually agreeable arrangement for the repayment of your outstanding balance. The legal basis for processing your personal data is set out in Article 6 (1) (b) of The General Data Protection Regulation as follows:

“Processing is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering into a contract”

Who we share your data with
We may share your personal data with the following recipients or categories of recipients:

• Our client(s)
• Field Agents (including contracted agents)
• Outsource Service Providers (such as print and mail fulfilment organisations, and payment service providers)
• Credit Reference Agencies : To find out how credit reference agencies may use your personal data please visit the following link
  https://www.callcredit.co.uk/legal-information/bureau-privacy-notice
  https://www.experian.co.uk/crain
  https://www.equifax.co.uk/crain

Information we collect from our website
We do not automatically collect any personal information from you through our Website. However our servers do automatically collect data relating to the type of browser and operating system that you are using, along with the domain name of your internet service provider. Please note that we are not able to identify you from this information.

We will only collect personal information about you through our Website if you choose to provide this to us, for example by creating an account or making a payment.

Cookies
Cookies contain limited amounts of data sent by a Website to a computer or device; these cookies are then stored on the computer or device.

Our cookies do not contain any information that identifies you personally, but they allow us to recognise you when you use our Website and allow our website to function as intended.

If you do not want to accept a cookie when you visit our Website, you should be able to change the settings in your browser to disable this function, but there might be sections of the Website that you are unable to access or may not work correctly

Storing your information
We will only use and store your information for as long as it is required and for the purposes it was collected for; this depends upon the information in question, what it is being used for and the legal and regulatory requirements applicable to our firm.  Typically this will not exceed 6 years from the date on which we close your account.

When making a payment via this site, your card details are submitted securely and directly to our contracted payment services provider which handles all payment transactions on our behalf, as appointed by us from time to time and who are committed to remain compliant with the Payment Card Industry’s Data Security Standard (Level 1).

Your Rights
You have the right to request the following:

• Access to the personal data we hold about you
• Rectification of the personal data we hold about you where it is incorrect
• The erasure of your personal data where this is erroneous or in conflict with your legal rights and freedoms under European law
• The restriction of processing of your personal data
• Objecting to the processing of your personal data where this is erroneous or in conflict with your legal rights and freedoms under European law
• Data complaints: If you are dissatisfied with our handling of your personal data you may complain to the Information Commissioner’s Office at: https://ico.org.uk/global/contact-us/

Absence of Statutory or Contractual Obligation
You are under no legal or contractual obligation to provide us with your personal information.

Automated Decision Making and Profiling
We may use the personal data that we hold on you to conduct automated decisions and profiling, this may include the best times to contact you and as previously mentioned you have the right to object. We do not believe that these decisions will have either a legal effect or significant impact on you, however we will continue to monitor our processes and policies.