Who we are
Creditscore24 is a website published by Twenty Four Digital Media Ltd, a company incorporated in the UK (company number 10461070, Information Commissioner’s Office registration reference ZA226082). Its registered address is 117 Dartford Road, Dartford, Kent, DA1 3EN.
The website is dedicated to providing news, features, essential information, guidance and details of investment opportunities to property investors. All of this is available free to users.
We are able to provide this service because we generate advertising revenue from businesses wishing to present their products and services to property investors.
We limit access to some information provided by our website (for example, downloadable forms and guides) and other services (for example, participation in our forums) to those property investors who register with us as members. Membership is free and we invite you to join our property investor community.
Legal basis of personal data usage
By becoming a member you give consent for us to send you, using the email address provided, newsletters and further information, including third party advertisements relevant to property investors. The registration process is quick and simple and asks only for your name, email address and the number of investment properties you own.
No other membership personal information is asked for or recorded.
We take personal privacy seriously. The data we collect is very valuable to us. We protect it and do not share it with any other company or organisation unless requested by you to do so – and then only to companies and organisations who have confirmed their compliance with the EU’s General Data Protection Regulation and have entered into a Data Processing Agreement with us. We use it only in ways to which you have consented.
Use of data
Individual user data is used solely to send registered users Creditscore24 newsletters, along with specially selected third party advertisements giving information about products, services and investment opportunities.
Data is also used in aggregate form to help us run and improve the website Creditscore24 by better understanding the way they are used and to enable us to tell advertisers about the community of property investors they are able to reach by using our website and newsletter.
Many of the advertisements you see on our website are generated by third parties. Besides our own cookies, our advertisers embed cookies in their digital advertisements for the purposes of statistical analysis. These cookies do not collect any personal information about you.
The third party companies that generate these cookies have their own, strict, privacy policies but we don’t have access to these cookies. Other than allowing them to be used we have no role to play in their use. You can visit the trade body representing these advertising companies for more information on how to opt out of cookies – go to http://www.allaboutcookies.org.uk
You can delete cookies from your own computers at any time. You can also prevent new cookies being installed by turning off the cookies option within your Internet browser (look in the ‘help’ menu of your browser to find out how).
If you choose not to accept cookies, please be aware that your use of our website (and many others) may be impaired and you will not be able to access ‘member only’ sections.
International transfers of your information
The hosting and other facilities used by our websites and email broadcasts are situated within the United States of America. There is an EU-US Privacy Shield in place which protects the fundamental rights of anyone in the EU whose personal data is transferred to the US for commercial purposes (you can find out further details here https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/eu-us-privacy-shield_en). Operation of the Privacy Shield was reviewed in September 2017 when the European Commission confirmed it continued to ensure an adequate level of protection for personal data.
Other than this we do not knowingly transfer any personal data to countries outside the European Economic Area although it is conceivable hosting companies may hold or process personal information outside the European Economic Area (by for example, holding back-up information in secure remote locations). By communicating electronically with us, you acknowledge and consent to our processing of personal data in this way.
It is axiomatic that the World Wide Web allows access to online information from anywhere in the world and you acknowledge that we cannot prevent the use or misuse of any information contained on our websites – including, for example, information posted to our member forums – by others.
Payments to us
We occasionally make a charge for information or advice that we provide. In such instances the payment for this information or advice will be requested via PayPal. We do not ask for, record or process payment information other than to log that an amount has been paid.
Our website may contain links to other websites that are outside our control and are not covered by this Privacy Statement. If you access other websites using the links provided, the operators of these sites may collect information from you that will be used by them in accordance with their own privacy policies which may differ from ours.
We do not retain personal data indefinitely. We will keep any information you give us, including your consents to receive emails and newsletters, only for as long as is necessary for the purpose for which you have agreed it may be used. Besides this, we ‘clean’ our lists frequently and delete from them the personal information of members whose email newsletters have been returned to us as undelivered.
Otherwise you can ask us to delete your personal information at any time.
Amending, deleting and accessing information
Once registered as a member you can amend the information you have given us or cancel your membership and your consent to receive information from Ski24 at any time. You can do this by using the ‘Unsubscribe’ link included at the end of every newsletter we send you, or by emailing us at privacy @ creditscore24.co.uk or by calling us on 01322 286386. Alternatively, you can write to: Data Manager, Creditscore24.co.uk, Twenty Four Digital Media Ltd, Cliffside Court, West Hill, Dartford, Kent DA1 2EF.
You may instruct us to provide you with any personal information we hold about you. You can do so by writing to us at: Data Manager, Creditscore24.co.uk, Twenty Four Digital Media Ltd, Cliffside Court, West Hill, Dartford, Kent DA1 2EF. We will require you to provide evidence or your identity and we reserve the right to charge a fee of up to £10 for any such request.
Contact us and making complaints
You can contact us by calling telephone number 01322 286386 (ask to speak to our Data Manager) or by emailing privacy @ creditscore24.co.uk.
If your enquiry concerns issues which we are unable to resolve, you have the right to complain about the way be collect, hold or process your personal data. Such complaints should be directed to the Information Commissioner’s Office whose helpline is 0303 123 1113 (website https://ico.org.uk).
Please note this Privacy Statement is subject to change from time to time. It was last updated on 31 March 2018.