Cahootz Group Limited (registered company number 14413674) ("we" or "us") trading as Cahootz is committed to protecting and respecting your privacy.
This policy outlines the personal information we collect from you, how it is obtained, its purpose and legal basis. This includes self-disclosed information, customer data, and marketing preferences. Our policy details how we use this information, your privacy rights, and legal protections. You have the right to access and request changes or deletion of your information. This policy is applicable to our products and services and goes into effect on 24 March 2023. Contact us using the information provided in this policy if you have any questions.
We may collect and process the following data about you:
Contact details and other information to confirm your identity
Your name, address, email address, phone number, date of birth, log-in information and password (your password as it is encrypted and we do not have access to see it)
Nationality and national identifier
Your nationality and an identifying number or code given to you by a government i.e. your National Insurance Number
Financial information
Details about financial transactions from your account to us, and your bank account and card details in order to process payments to you
Transactions
Details about the properties you have invested in via our platform
Communications
Your communications with us, including emails, phone calls and web chats
KYC ('Know Your Client) information
Details about you collected by us to identify and verify the identity of our customers, including a copy of your passport or identity card and a utility bill noting your home address
AML ('Anti-Money Laundering) information
As a result of money laundering regulations, we may need to verify the source of the funds which you are investing on our platform. We may therefore collect from you any of the following as evidence - a copy of your bank statement / savings account statement, payslip or completion statement from a house sale, for example
Technical information
The Internet protocol (IP) address used to connect your computer to the Internet, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform
Behaviour on our site and platform
We collect information about your usage of our website and services, such as the complete Uniform Resource Locators (URL) clickstream of your visit (including date and time), the products you viewed or searched for, page response times, download errors, duration of visits to specific pages, page interaction details (such as scrolling, clicks, and mouse movements), and the means by which you navigate away from our website.
Consents
Any permissions, consents or preferences that you give us, including communications that you would like to receive from us and how you would like us to contact you.
Job Application
Throughout the recruitment process, we collect personal information such as your name, email address, and other relevant details.
We may collect personal information:
We may also collect personal information from third parties we work with:
We are only allowed to use your personal information if we have a lawful reason for doing so. We will use your information if we can satisfy that processing it is necessary:
We use information held about you in the following ways:
To manage our relationship with you:
To deliver our product and services to you:
To develop our products and services:
To detect, investigate and report financial crime:
To run our business efficiently and in compliance with applicable regulatory standards:
Our basis for using your information
We may share your information with 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) and with other teams / departments within Cahootz, including Finance & Compliance, Customer Services, Analytics, Marketing and Technology for the purposes described in this policy. We may share your information with the following third parties:
If a service provider needs to access information about you to perform services on our behalf, they do so under instruction from us and with controls in place in order to protect your information. We do not sell your data to any third parties.
We may use your personal information to provide you with details concerning products or services that could be of interest to you. We can only use your personal information to send you promotional content if we have your approval or a 'legitimate interest.' This means we have a business or commercial rationale to use your information as long as it does not unfairly disadvantage you. You have the option to request us to halt the delivery of promotional messages by contacting us at any time, selecting the 'unsubscribe' button present in all our emails, or updating your preferences in your 'Account Settings' section. Regardless of your communication preferences, you will still receive transactional statements and essential notifications, such as introductory communications following registration on our platform or any modifications to current products or services.
We only keep personal information for as long as reasonably necessary to fulfil the relevant purposes described in this policy and in order to comply with our legal and regulatory obligations.
We use data hosting service providers in Ireland, such as Amazon Web Services (AWS), to host the information we gather, and we enforce technical measures to secure your information. However, the internet's information transmission is not completely secure, and while we make every effort to protect your personal data, we cannot guarantee its security during transmission to our website, particularly if you are using an unsecured network. We will use rigorous processes and security features to prevent unauthorized access once we have obtained your information. If we have issued you with a password and PIN to access certain sections of our website, or if you have selected one, you are responsible for keeping them confidential and not sharing them with others.
We will only send your information outside of the EEA to:
If we do transfer information to our agents, contractors or advisers outside of the EEA, we will put appropriate safeguards in place to ensure that such information is protected in the same way as if it was being used in the EEA.
Under data protection laws, you possess certain rights regarding the personal information we possess about you. You can exercise these rights by contacting us using the details specified in this policy. However, in specific cases, we may be unable to fulfill your request due to obligations to comply with legal or regulatory requirements. If we cannot comply with your request, we will explain the reasons why and respond to you accordingly. Your rights include:
The right to access your personal information:
You are entitled to a copy of the personal information we hold about you and certain details of how we use it. Your information will be provided to you electronically, unless otherwise requested. We will respond to your request within a reasonable period of time, but at the latest within one month of the request (assuming we have any requisite information from you in order to be able to process your request).
The right to rectification:
You have the right to have your information rectified if it is inaccurate or incomplete. We aim to ensure that your personal information is accurate, however, please do contact us if you require your information to be updated or amended or, alternatively, you can amend your personal details in ‘Settings’.
The right to erasure:
You have the right to request the deletion or removal of your information. There are, however, specific circumstances where we may be unable to deal with your request, e.g. if we need to retain your information to comply with a legal or regulatory obligation.
The right to restrict processing:
You have the right to request that we limit the way we use your information if you have a particular reason for wanting that restriction e.g. in circumstances where you believe that we don’t have the appropriate rights to process your information.
The right to data portability:
You have the right to obtain some of your information in a format you can move from one service provider to another. Should you request it, we will provide you with an electronic file of your basic account information.
The right to object:
You have the right to object to us processing your information e.g. you can ask us to stop sending you marketing communications at any time.
You can withdraw your consent at any time. Please contact us if you want to do so.
You can also ask us to stop marketing to you by clicking on the ‘unsubscribe’ link that appears in all of our emails or by updating your preferences in ‘Settings’. Please note that it can take approximately 24 hours for any changes to your preferences to be actioned.
To enhance your browsing experience, our website uses cookies, unique identifiers and similar technologies that help us distinguish you from other users of our website and collect data. Cookies allow us to recognise you and remember your preferences when you return to our website. By browsing our website, you consent to the use of cookies. Cookies are small files of letters and numbers that are saved to your computer when you visit websites. They contain information that is transferred to your computer's hard drive. We use different types of cookies to perform different functions:
Please note that third-party cookies may also be used on our website, which are likely to be analytical/performance cookies or targeting cookies. We have no control over these cookies. You can enable or disable cookies on your web browser. However, blocking all cookies (including essential cookies) may prevent you from accessing all or parts of our website, and some features may not be accessible to you. To learn more about cookies, please visit ico.org.uk/for-the-public/online/cookies.
You can request access to the personal information we hold about you by writing to us at:
Cahootz Group Ltd
7 Bell Yard
London WC2A 2JR
If you have any questions about how we collect, store or use your personal information please contact us via email at support@cahootz.com.
If you want to make a complaint about how we have handled your personal information, please contact us at support@cahootz.com and we will investigate the matter and report back to you. If you are still not satisfied after our response or believe we are not using your personal information in line with the law, you also have the right to complain to the UK’s data protection regulator - the Information Commissioner’s Office.
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our privacy policy.
Last updated: 24 March 2023
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