Purpose of this privacy notice
This privacy notice aims to give you information on how Mempō Limited collects and processes your personal data through your interactions with us, including the use of this website and any data you may provide through this website.
This website is not intended for children.
It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements any other notices, if any, and is not intended to override them.
This privacy notice is issued on behalf of Mempō Limited so when we mention “Mempō “, “we”, “us” or “our” in this privacy notice, we are referring to Mempō Limited, which is the company responsible for processing your data. We will let you know which entity will be the controller for your data when you contact us and/or engage our services. Mempō is the controller and responsible for this website.
In most cases we will be the Data Controller as we determine the purpose and manner in which your personal data will be managed and used.
In rare occurrences we will be the Data Processor where we manage your data on behalf of the data controller. If you wish to know under which capacity we are handling your data please contact us at info@mempocapital.com.
We respect your right to privacy and are committed to complying with applicable data protection and privacy law. We will only collect personal information about you with your awareness and permission.
You have the right at any time to withdraw your consent for the processing of your data. Please be aware whilst you can request to withdraw your consent it will not affect the lawfulness of processing based on consent prior to its withdrawal.
Any personal information which you provide to us and/or which we obtain about you, will be kept confidential and secure using appropriate technical measures and by ensuring staff are continually trained and are aware of how to protect your data.
Privacy Information
We collect data about you when you register with us or when you contact us and provide us with information voluntarily. Website usage information, including client IP address, request date/time, page requested, HTTP code, bytes served, user agent and reference are typically collected using cookies and web server logs. Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Where applicable we may require personal data relating to children under 13 years of age. If you are a parent or guardian of a child under the age of 13 and think that we may have information relating to that child that you wish to be deleted, please contact us at info@mempocapital.com We will ask you to prove your relationship to the child, but if you do so you may (subject to applicable law), request access to and deletion of, that child’s personal data.
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with our services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
The information we receive is handled and processed by our staff who are located in the UK; however, we store information in the cloud and in an offsite server located in Europe. No third party will have access to your personal data unless permitted by Law, and we will take steps to give only the amount of data required.
We use different methods to collect data from and about you including through:
Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
Automated technologies or interactions. As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies. Please see our Cookie Policy for further details.
Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources as set out below:
Please contact us at info@mempocapital.com if you need details regarding how your personal data is collected.
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Generally, we do not rely on consent as a legal basis for processing your personal data, other than maybe in relation to sending third party direct marketing communications to you or to responding to your queries. You have the right to withdraw consent to marketing at any time by contacting us at info@mempocapital.com.
We have set out below, in tabular format, a description of the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us at info@mempocapital.com if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
We may disclose your personal data to:
If we are required to send your data to any other third parties we will only do so with your explicit consent.
Under GDPR the rules inside of the UK and the EEA will be the same with regard to personal data and accordingly we are able to trust the built-in safeguards. If we are required to send any of your data outside the EEA, we will send you information on the reason for this, how the data will be protected and details of how to obtain copies of the relevant safeguards’
The GDPR defines special data as being more sensitive, thus it needs more protection. Due to the nature of our business we might be required to hold and process some of this data. The categories which we could potentially process include (but not limited to): race, ethnicity, politics, religion, health, sex life or sexual orientation.
Please be aware, we will not require this information unless it is pertinent to your individual circumstance and the service we will deliver to you. We will require your explicit consent to handle this data or if processing is necessary for the establishment, exercise or defence of legal claims.
We will only keep your personal information for as long as necessary, for the purpose(s) for which it was collected, to provide you with services and to conduct our legitimate business interests, or where otherwise required by Law.
To determine the appropriate retention period for personal data, we consider the nature, amount and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purpose(s) for which we process your personal data, whether we can achieve those purposes through other means, and the applicable legal requirements.
We record all calls for Training and Monitoring purposes and to assist in staff training. Calls are retained for 6 years after you cease to be a customer, at which time they will be destroyed.
Currently we keep your personal information for a minimum of 6 years after which time it will be destroyed. If your personal information relates to Deeds, we will keep the information for a minimum of 12 years.
We would like to send you information about products and services of ours and other companies in our group which may be of interest to you. If you have consented to receive marketing, you may opt out at any time.
You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of our group of companies.
If you wish to be contacted for marketing purposes, please contact us at info@mempocapital.com
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this Marketing).
You will receive Marketing communications from us if you have requested information from us or purchased products or services from us and, in each case, you have not opted out of receiving that Marketing.
We use “session” cookies which enable a visitor’s web browser to ‘remember’ which pages on our website have already been visited. We may also map and analyse website visitor usage patterns to help us develop the site and enhance a visitor’s experience.
Depending on the type of browser you are using, you may be able to configure your browser so that:
You should refer to the supplier or manufacturer of the web browser for specific details about cookie security.
We may collect and store certain ‘technical information’ about your visit to this site, such as:
For more information about the cookies we use, please see our Cookie Policy.
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us at info@mempocapital.com
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
Right to be informed
We must inform you about the data processing we will be carrying out using your data in concise, transparent and easily accessible language.
Right of access
You can request a copy of your information which we hold. This is known as a Data Subject Access Request (“DSAR”) and is free of charge. If you would like to request a DSAR please:
Right of rectification
If you believe we have any data which is incorrect you have the right of rectification. This is free of charge and allows us one month (two if the information is complex) to make the necessary corrections. If you would like to do this, please:
Right of erasure
You can request we remove all of the personal data we hold on you however we can only do this in specific circumstances. Please contact us to discuss how this can be done.
Right to restrict processing
You can request we block or supress the processing of your personal data. If this occurs we are able to store data but not process it further.
Right to object
You have the right to object to the processing if:
The right to lodge a complaint
If for any reason you have wish to make a complaint with regard to our handling of your personal data, you may do so at the Information Commissioners Office (ICO).
You will not have to pay a fee to request your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
We will respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
Please contact us if you have any questions about this notice or the information we hold about you. You can contact us in the following ways:
By email: info@mempocapital.com
By post: Mempo Limited, Unit 4, Galaxy House, 32 Leonard Street, London, EC2A 4LZ
Cookies
Cookies are small data files which help to make websites simpler to use. They can help by remembering information you have already entered, or storing your preferences for a particular page.
About cookies
Cookies enhance your user experience by improving the interaction between you and the site. Without cookies, it would not be possible to use a shopping cart facility on a website or to remain logged in on different pages.
They cannot harm your computer as they are pieces of text, not computer programmes.
Cookies used by Mempō
The only cookies used by Mempō Limited are those for Google Analytics, which measure how people are using the site to make sure it meets their needs and performs well.
The cookies cannot identify you personally and store no personal data. They cannot be used or altered by any other domain as they are First Party cookies.
You can find out more about the cookies set by Google Analytics in Google’s resources.
Further information
You can manage and delete these files yourself: to find out how to do this and for more information about cookies, please visit here
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.mempocapital.com (our site).
Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
Information about us
www.mempocapital.com is a site operated by Mempō Limited (“We”). We are a limited company registered in England and Wales under company number 16022979; our registered office and main trading address is Unit 4, Galaxy House, 32, Leonard Street, London EC2A 4LZ.
Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
When using our site, you must comply with the provisions of our acceptable use policy below .
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Reliance on information posted
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
Our site changes regularly
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
Our liability
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including:
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Information about you and your visits to our site
We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
Viruses, hacking and other offences
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
If you wish to make any use of material on our site other than that set out above, please address your request to info@mempocapital.com
Links from our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
Variations
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
Your concerns
If you have any concerns about material which appears on our site, please contact info@mempocapital.com. Thank you for visiting our site.
Purpose of this privacy notice
This acceptable use policy sets out the terms between you and us under which you may access our website www.mempocapital.com (our site). This acceptable use policy applies to all users of, and visitors to, our site.
Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our terms of website use.
www.mempocapital.com is a site operated by Mempō Limited (“We”). We are a limited company registered in England and Wales under company number 16022979 ; our registered office and main trading address is Unit 4, Galaxy House, 32 Leonard Street, London, EC2A 4LZ
Prohibited uses
You may use our site only for lawful purposes. You may not use our site:
In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
For the purpose of harming or attempting to harm minors in any way.
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
You also agree:
Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use.
Not to access without authority, interfere with, damage or disrupt:
any part of our site;
any equipment or network on which our site is stored;
any software used in the provision of our site; or
any equipment or network or software owned or used by any third party.
Suspension and termination
We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this acceptable use policy constitutes a material breach of the terms of use upon which you are permitted to use our site, and may result in our taking all or any of the following actions:
Immediate, temporary or permanent withdrawal of your right to use our site.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
Changes to the acceptable use policy
We may revise this acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.
Purpose of this privacy notice
At Mempō we believe that all customers deserve a high quality of service which allows you to deal with us in confidence. If you are unhappy about any aspect of the service you have received, you are entitled to express your dissatisfaction by speaking with any member of staff or contacting us in writing. We undertake to deal with your complaint fairly and effectively. You can report complaints in reference to our loan products, policies or services orally or in writing.
The Process
This can be done by email at complaints@mempocapital.com by telephone on 0203 4111033, or by postal service to Complaints, The Compliance Dept, Mempō Ltd, Unit 4, Galaxy House, 32 Leonard Street, London, EC2A 4LZ.
Upon receipt of your complaint, we will review the report, and do our best to resolve the problem as soon as possible. If we can’t do this, we will send you a prompt written or electronic acknowledgement of your complaint with information on who is dealing with it. Where a complaint is not in written form, although it will not affect our investigation, we may ask you to confirm your complaint to us in writing to aid our understanding of the issues and thereby ensure that all your concerns are addressed.
Once your complaint has been recorded, it will be investigated by a suitably knowledgeable and competent person. You will be advised of that person’s name and title and, wherever possible, the person will not have been directly involved in the matter raised in your complaint. The respondent will address the matters you have raised and be in a position to offer redress where appropriate.
We will negotiate with you and send you our full Final Response within eight weeks of receiving your complaint. If you are not satisfied with our response, you may appeal the decision by email at complaints@mempocapital.com or by post as above.
We will ask you to state your objections to our decision and include any new evidence you wish to be considered.
Our Final Response letter will explain that you will have ultimate recourse to an independent review by the Financial Ombudsman Service should you remain dissatisfied.
The Financial Ombudsman is a free and independent service for resolving disputes between customers and financial services companies like us. You will have six months from the date of our Final Response letter to take your complaint to the Financial Ombudsman Service and we will enclose an explanatory leaflet (or provide you with a link to the leaflet) for your information to assist you if you decide to pursue this further course of action.
Their contact details are:
The Financial Ombudsman Service,
Exchange Tower,
London,
E14 9SR.
Tel from UK landline: 0800 023 4567
Tel from UK mobile: 0300 123 9123
Calls to 0800 numbers are free when calling from a UK landline. Calls to 03 numbers from mobiles will cost no more than a national rate call and are included in inclusive minutes for mobiles. Call charges may apply when calling from abroad.
Email: complaint.info@financial-ombudsman.org.uk
Further details are also available on www.financial-ombudsman.org.uk