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Privacy Policy

Last Update Date: 03 November 2023

Effective Date: 03 November 2023

This Privacy Policy describes how Pauzible UK Limited of 72 Cannon Street LondonEC4N 6AE, and with England and Wales company registration number 15084663,telephone number 020 8865 3352, email address privacy@pauzible.com and website address www.pauzible.com, and its related companies, affiliates, and subsidiaries (collectively, as used herein, "we," "us," and" our") collect, use, and share your information when you visit our website located at www.pauzible.com and any of our other websites (our "Websites"), use our mobile applications, if any (our "Apps"), interact with our application programme interfaces and other services we make to interact with you through social networks (such social networks, "Social Networks"), our services that interact with Social Networks, "Social Network Services"), or use other services (our Websites, Apps, Social Network Services and related services are collective your "Services"). This Privacy Policy does not apply to any websites or applications that we do not operate or other websites that have their own privacy policies, including Social Networks. By visiting or using any of our Services, you are consenting to the practices described in this Privacy Policy.

The type of personal information (“Personal Information”) we collect

We currently collect or intend to collect and process the following information:

  1. Name
  2. Address
  3. Telephone number
  4. Email address
  5. Username and password
  6. Age
  7. Employment
  8. Income
  9. Assets
  10. Liabilities
  11. Credit reports
  12. Proof of identity
  13. Pay slips
  14. Tax returns
  15. P&L and Balance sheet for business for the last three years
  16. Bank statements
  17. Mortgage statements
  18. Property register
  19. Deed of purchase
  20. Proof of making timely payment of council taxes, insurance payments, utility bills, maintenance, building service charges, ground rents or any items that may rank pari-passu with or higher than a mortgage
  21. Any other information you choose to provide us

We may also collect certain information related to you and your activities on our websites when you visit the websites. This information may include but is not limited to your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us (refer to “Use of Cookies and Analytical Tools" for more information about information collected by cookies and similar tracking technologies).

In accordance with your device permissions, we may collect information about the precise location of your device.

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

How we get the Personal Information and why we have it

We collect Personal Information from you directly through our Services (for example, when you create an account on our websites or Apps, fill out a form or otherwise submit content through our services) and by communicating directly with you by telephone, by email, by any other communication channels broadly used and by using our embedded chat messaging system.

Most of the Personal Information we process is provided to us directly by you for the following reasons:

  1. Help us assess if we might be able to assist you.

                  Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

                    (a) We have a legitimate interest.

                    Any references to products and services are intended to imply those that may be available now or in the future. Your eligibility for these particular products and services shall be subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on this website at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products, or services via our website, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

  1. Provide you with customer service.

                  Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

                    (a) We have a contractual obligation.

                    (b) We have a legitimate interest.

  1. Communicate with you about our Services and products, about our company, and about your account generally.

                  Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

                    (a) We have a contractual obligation.

                    (b) We have a legitimate interest.

  1. Help us assess if you are a suitable candidate for a role

                  Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

                    (a) We have a legitimate interest.

                    We also receive personal information indirectly, from the following sources in the following scenarios:

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or" clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

In accordance with your device permissions, we may collect information about the precise location of your device.

As part of our process, we carry out credit and identity checks with credit reference agencies.  We submit your personal information to them and they send us information based, for example, on your credit applications, including things about your financial situation and financial history.

We use the above information to:

  1. Verify the accuracy of the information you have given us

                    Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Mitigate against criminal activity, money laundering and fraud

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Assess your creditworthiness

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Personalize the Services to you, including in communications to you through our Social Network Services and in advertising through our Services and through third-party services (including advertising on other websites that we do not operate). If you give us permission on your mobile device, we may send you promotional and non-promotional "push" notifications to your mobile devices about our Services and products available on our Services.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Improve the security of our Services and to anticipate and respond to unauthorized, fraudulent, or unlawful activity.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

How we share Personal Information

We may share your Personal Information with our employees, independent contractors, and any parent, subsidiary, or affiliated business entity.

We may share your Personal Information with a Principal entity, which is regulated by the FCA, of which we are an Introducer Appointed Representative.

We may share your Personal Information with third-party vendors, consultants and service providers (collectively “Third-Party Service Providers”) in the following circumstances:

We may share your Personal Information with Third-Party Service Providers that access Personal Information to perform services for us.

We may disclose Personal Information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.

We may share Personal Information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it's necessary to protect the rights, property and safety of our users, the public, or others.

We share Personal Information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.

We may share Personal Information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.

We share Personal Information with your consent or at your direction, including but not limited to, through third-party integrations you choose to enable.

We also share aggregated or de-identified information that cannot reasonably be used to identify you.

We limit the information that we share to third-party service providers, and require that our third-party service providers only uses hared Personal Information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared Personal Information.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting Pauzible UK Limited, 72 Cannon Street London EC4N 6AE.Telephone number 020 8865 3352. Email address privacy@pauzible.com

(b) We have a contractual obligation.

(c) We have a legal obligation.

(d) We have a legitimate interest.

Right to Access to and Control Over Information

You may have certain rights under applicable data protection law with respect to Personal Information about you that is collected through our services and our websites, or when you contact or otherwise engage with us. You also have the right to opt-out of receiving electronic direct marketing communications from us.

However, we may retain Personal Information as authorized under applicable law, such as Personal Information required as necessary to provide our services, protect our business and systems from fraudulent activity, to debug and identify errors that impair existing functionality, comply with law enforcement requests pursuant to lawful process, for scientific or historical research, for our own internal purposes reasonably related to your relationship with us, or to comply with legal obligations.

We require certain types of information so that we can provide our services. If you ask us to delete it, you may no longer be able to access or use our services.

We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response.

You may email us at privacy@pauzible.com to exercise any of these rights. To protect our customers’ Personal Information, we are required to verify your identity before we can act on your request.

We will hold your information to contact you about our products and services and to improve your experience. We may also contact you to request updated details.

Dependant on the data you provide us and for what purpose it is provided we may need to retain your data for up to six years after you are no longer a customer with us.

Links to Other Websites

The Services and websites may contain links to third-party websites and other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site.

This Privacy Policy is only applicable to our Services. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

We strongly advise you to review the Privacy Policy ofevery site you visit.

Security

We are committed to protecting your Personal Information. All of our operational and data processing systems are in a secure environment that protects your information from unauthorized access, use or disclosure.

Children's Privacy

This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use Personal Information from children under the age of 13. If we become aware that we have collected Personal Information from a child under 13, we will take steps to delete such information as soon as possible.

Updates to this Privacy Policy

We may change this Privacy Policy from time to time. If we change this Privacy Policy, we will post the updated version on this website and update the "Last Updated" date above.

Contact information

If you have questions regarding this Privacy Policy, please contact us at:

Pauzible UK Limited

72 Cannon Street London EC4N 6AE

privacy@pauzible.com

020 8865 3352

Please note that we may need to verify your identity before processing certain requests.

Changes to this Notice

We may update this Notice from time to time.

Your data protection rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com if you wish to make a request.

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us at

Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:            

Information Commissioner’s Office

Wy cliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk

Last Update Date: 03 November 2023

Effective Date: 03 November 2023

This Privacy Policy describes how Pauzible UK Limited of 72 Cannon Street LondonEC4N 6AE, and with England and Wales company registration number 15084663,telephone number 020 8865 3352, email address privacy@pauzible.com and website address www.pauzible.com, and its related companies, affiliates, and subsidiaries (collectively, as used herein, "we," "us," and" our") collect, use, and share your information when you visit our website located at www.pauzible.com and any of our other websites (our "Websites"), use our mobile applications, if any (our "Apps"), interact with our application programme interfaces and other services we make to interact with you through social networks (such social networks, "Social Networks"), our services that interact with Social Networks, "Social Network Services"), or use other services (our Websites, Apps, Social Network Services and related services are collective your "Services"). This Privacy Policy does not apply to any websites or applications that we do not operate or other websites that have their own privacy policies, including Social Networks. By visiting or using any of our Services, you are consenting to the practices described in this Privacy Policy.

The type of personal information (“Personal Information”) we collect

We currently collect or intend to collect and process the following information:

  1. Name
  2. Address
  3. Telephone number
  4. Email address
  5. Username and password
  6. Age
  7. Employment
  8. Income
  9. Assets
  10. Liabilities
  11. Credit reports
  12. Proof of identity
  13. Pay slips
  14. Tax returns
  15. P&L and Balance sheet for business for the last three years
  16. Bank statements
  17. Mortgage statements
  18. Property register
  19. Deed of purchase
  20. Proof of making timely payment of council taxes, insurance payments, utility bills, maintenance, building service charges, ground rents or any items that may rank pari-passu with or higher than a mortgage
  21. Any other information you choose to provide us

We may also collect certain information related to you and your activities on our websites when you visit the websites. This information may include but is not limited to your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us (refer to “Use of Cookies and Analytical Tools" for more information about information collected by cookies and similar tracking technologies).

In accordance with your device permissions, we may collect information about the precise location of your device.

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

How we get the Personal Information and why we have it

We collect Personal Information from you directly through our Services (for example, when you create an account on our websites or Apps, fill out a form or otherwise submit content through our services) and by communicating directly with you by telephone, by email, by any other communication channels broadly used and by using our embedded chat messaging system.

Most of the Personal Information we process is provided to us directly by you for the following reasons:

  1. Help us assess if we might be able to assist you.

            Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

Any references to products and services are intended to imply those that may be available now or in the future. Your eligibility for these particular products and services shall be subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on this website at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products, or services via our website, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

  1. Provide you with customer service.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) We have a contractual obligation.

(b) We have a legitimate interest.

  1. Communicate with you about our Services and products, about our company, and about your account generally.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) We have a contractual obligation.

(b) We have a legitimate interest.

  1. Help us assess if you are a suitable candidate for a role

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

We also receive personal information indirectly, from the following sources in the following scenarios:

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or" clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

In accordance with your device permissions, we may collect information about the precise location of your device.

As part of our process, we carry out credit and identity checks with credit reference agencies.  We submit your personal information to them and they send us information based, for example, on your credit applications, including things about your financial situation and financial history.

We use the above information to:

  1. ·       Verify the accuracy of the information you have given us

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Mitigate against criminal activity, money laundering and fraud

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Assess your creditworthiness

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Personalize the Services to you, including in communications to you through our Social Network Services and in advertising through our Services and through third-party services (including advertising on other websites that we do not operate). If you give us permission on your mobile device, we may send you promotional and non-promotional "push" notifications to your mobile devices about our Services and products available on our Services.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Improve the security of our Services and to anticipate and respond to unauthorized, fraudulent, or unlawful activity.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

How we share Personal Information

We may share your Personal Information with our employees, independent contractors, and any parent, subsidiary, or affiliated business entity.

We may share your Personal Information with third-party vendors, consultants and service providers (collectively “Third-Party Service Providers”) in the following circumstances:

We may share your Personal Information with Third-Party Service Providers that access Personal Information to perform services for us.

We may disclose Personal Information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.

We may share Personal Information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it's necessary to protect the rights, property and safety of our users, the public, or others.

We share Personal Information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.

We may share Personal Information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.

We share Personal Information with your consent or at your direction, including but not limited to, through third-party integrations you choose to enable.

We also share aggregated or de-identified information that cannot reasonably be used to identify you.

We limit the information that we share to third-party service providers, and require that our third-party service providers only uses hared Personal Information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared Personal Information.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting Pauzible UK Limited, 72 Cannon Street London EC4N 6AE.Telephone number 020 8865 3352. Email address privacy@pauzible.com

(b) We have a contractual obligation.

(c) We have a legal obligation.

(d) We have a legitimate interest.

Right to Access to and Control Over Information

You may have certain rights under applicable data protection law with respect to Personal Information about you that is collected through our services and our websites, or when you contact or otherwise engage with us. You also have the right to opt-out of receiving electronic direct marketing communications from us.

However, we may retain Personal Information as authorized under applicable law, such as Personal Information required as necessary to provide our services, protect our business and systems from fraudulent activity, to debug and identify errors that impair existing functionality, comply with law enforcement requests pursuant to lawful process, for scientific or historical research, for our own internal purposes reasonably related to your relationship with us, or to comply with legal obligations.

We require certain types of information so that we can provide our services. If you ask us to delete it, you may no longer be able to access or use our services.

We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response.

You may email us at privacy@pauzible.com to exercise any of these rights. To protect our customers’ Personal Information, we are required to verify your identity before we can act on your request.

We will hold your information to contact you about our products and services and to improve your experience. We may also contact you to request updated details.

Dependant on the data you provide us and for what purpose it is provided we may need to retain your data for up to six years after you are no longer a customer with us.

Links to Other Websites

The Services and websites may contain links to third-party websites and other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site.

This Privacy Policy is only applicable to our Services. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

We strongly advise you to review the Privacy Policy ofevery site you visit.

Security

We are committed to protecting your Personal Information. All of our operational and data processing systems are in a secure environment that protects your information from unauthorized access, use or disclosure.

Children's Privacy

This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use Personal Information from children under the age of 13. If we become aware that we have collected Personal Information from a child under 13, we will take steps to delete such information as soon as possible.

Updates to this Privacy Policy

We may change this Privacy Policy from time to time. If we change this Privacy Policy, we will post the updated version on this website and update the "Last Updated" date above.

Contact information

If you have questions regarding this Privacy Policy, please contact us at:

Pauzible UK Limited

72 Cannon Street London EC4N 6AE

privacy@pauzible.com

020 8865 3352

Please note that we may need to verify your identity before processing certain requests.

Changes to this Notice

We may update this Notice from time to time.

Your data protection rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com if you wish to make a request.

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us at

Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:            

Information Commissioner’s Office

Wy cliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk

Last Update Date: 03 November 2023

Effective Date: 03 November 2023

This Privacy Policy describes how Pauzible UK Limited of 72 Cannon Street LondonEC4N 6AE, and with England and Wales company registration number 15084663,telephone number 020 8865 3352, email address privacy@pauzible.com and website address www.pauzible.com, and its related companies, affiliates, and subsidiaries (collectively, as used herein, "we," "us," and" our") collect, use, and share your information when you visit our website located at www.pauzible.com and any of our other websites (our "Websites"), use our mobile applications, if any (our "Apps"), interact with our application programme interfaces and other services we make to interact with you through social networks (such social networks, "Social Networks"), our services that interact with Social Networks, "Social Network Services"), or use other services (our Websites, Apps, Social Network Services and related services are collective your "Services"). This Privacy Policy does not apply to any websites or applications that we do not operate or other websites that have their own privacy policies, including Social Networks. By visiting or using any of our Services, you are consenting to the practices described in this Privacy Policy.

The type of personal information (“Personal Information”) we collect

We currently collect or intend to collect and process the following information:

  1. Name
  2. Address
  3. Telephone number
  4. Email address
  5. Username and password
  6. Age
  7. Employment
  8. Income
  9. Assets
  10. Liabilities
  11. Credit reports
  12. Proof of identity
  13. Pay slips
  14. Tax returns
  15. P&L and Balance sheet for business for the last three years
  16. Bank statements
  17. Mortgage statements
  18. Property register
  19. Deed of purchase
  20. Proof of making timely payment of council taxes, insurance payments, utility bills, maintenance, building service charges, ground rents or any items that may rank pari-passu with or higher than a mortgage

Any other information you choose to provide us

We may also collect certain information related to you and your activities on our websites when you visit the websites. This information may include but is not limited to your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us (refer to “Use of Cookies and Analytical Tools" for more information about information collected by cookies and similar tracking technologies).

In accordance with your device permissions, we may collect information about the precise location of your device.

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

How we get the Personal Information and why we have it

We collect Personal Information from you directly through hour Services (for example, when you create an account on our websites or Apps, fill out a form or otherwise submit content through our services) and by communicating directly with you by telephone, by email, by any other communication channels broadly used and by using our embedded chat messaging system.

Most of the Personal Information we process is provided to us directly by you for one of the following reasons:

  1. Help us assess if we might be right for you.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:‍

(a) We have a legitimate interest.

Any references to products and services are intended to imply those that may be available in future. Your eligibility for these particular products and services shall be subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on this website at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products, or services via our website, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

  1. Provide you with customer service.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) We have a contractual obligation.

(b) We have a legitimate interest.

  1. Communicate with you about our Services and products, about our company, and about your account generally.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) We have a contractual obligation.

(b) We have a legitimate interest.

  1. Help us assess if you are a suitable candidate for a role

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

We also receive personal information indirectly, from the following sources in the following scenarios:

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or" clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

In accordance with your device permissions, we may collect information about the precise location of your device.

As part of our process, we carry out credit and identity checks with credit reference agencies.  We submit your personal information to them and they send us information based, for example, on your credit applications, including things about your financial situation and financial history.

We use the above information to:

  1. ·       Verify the accuracy of the information you have given us

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Mitigate against criminal activity, money laundering and fraud

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Assess your creditworthiness

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Personalize the Services to you, including in communications to you through our Social Network Services and in advertising through our Services and through third-party services (including advertising on other websites that we do not operate). If you give us permission on your mobile device, we may send you promotional and non-promotional "push" notifications to your mobile devices about our Services and products available on our Services.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Improve the security of our Services and to anticipate and respond to unauthorized, fraudulent, or unlawful activity.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

How we share Personal Information

We may share your Personal Information with our employees, independent contractors, and any parent, subsidiary, or affiliated business entity.

We may share your Personal Information with third-party vendors, consultants and service providers (collectively “Third-Party Service Providers”) in the following circumstances:

We may share your Personal Information with Third-Party Service Providers that access Personal Information to perform services for us.

We may disclose Personal Information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.

We may share Personal Information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it's necessary to protect the rights, property and safety of our users, the public, or others.

We share Personal Information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.

We may share Personal Information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.

We share Personal Information with your consent or at your direction, including but not limited to, through third-party integrations you choose to enable.

We also share aggregated or de-identified information that cannot reasonably be used to identify you.

We limit the information that we share to third-party service providers, and require that our third-party service providers only uses hared Personal Information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared Personal Information.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting Pauzible UK Limited, 72 Cannon Street London EC4N 6AE.Telephone number 020 8865 3352. Email address privacy@pauzible.com

(b) We have a contractual obligation.

(c) We have a legal obligation.

(d) We have a legitimate interest.

Right to Access to and Control Over Information

You may have certain rights under applicable data protection law with respect to Personal Information about you that is collected through our services and our websites, or when you contact or otherwise engage with us. You also have the right to opt-out of receiving electronic direct marketing communications from us.

However, we may retain Personal Information as authorized under applicable law, such as Personal Information required as necessary to provide our services, protect our business and systems from fraudulent activity, to debug and identify errors that impair existing functionality, comply with law enforcement requests pursuant to lawful process, for scientific or historical research, for our own internal purposes reasonably related to your relationship with us, or to comply with legal obligations.

We require certain types of information so that we can provide our services. If you ask us to delete it, you may no longer be able to access or use our services.

We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response.

You may email us at privacy@pauzible.com to exercise any of these rights. To protect our customers’ Personal Information, we are required to verify your identity before we can act on your request.

We will hold your information to contact you about our products and services and to improve your experience. We may also contact you to request updated details.

Dependant on the data you provide us and for what purpose it is provided we may need to retain your data for up to six years after you are no longer a customer with us.

Links to Other Websites

The Services and websites may contain links to third-party websites and other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site.

This Privacy Policy is only applicable to our Services. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

We strongly advise you to review the Privacy Policy ofevery site you visit.

Security

We are committed to protecting your Personal Information. All of our operational and data processing systems are in a secure environment that protects your information from unauthorized access, use or disclosure.

Children's Privacy

This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use Personal Information from children under the age of 13. If we become aware that we have collected Personal Information from a child under 13, we will take steps to delete such information as soon as possible.

Updates to this Privacy Policy

We may change this Privacy Policy from time to time. If we change this Privacy Policy, we will post the updated version on this website and update the "Last Updated" date above.

Contact information

If you have questions regarding this Privacy Policy, please contact us at:

Pauzible UK Limited

72 Cannon Street London EC4N 6AE

privacy@pauzible.com

020 8865 3352

Please note that we may need to verify your identity before processing certain requests.

Changes to this Notice

We may update this Notice from time to time.

Your data protection rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com if you wish to make a request.

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us at

Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:            

Information Commissioner’s Office

Wy cliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk

Last Update Date: 03 November 2023

Effective Date: 03 November 2023

This Privacy Policy describes how Pauzible UK Limited of 72 Cannon Street LondonEC4N 6AE, and with England and Wales company registration number 15084663,telephone number 020 8865 3352, email address privacy@pauzible.com and website address www.pauzible.com, and its related companies, affiliates, and subsidiaries (collectively, as used herein, "we," "us," and" our") collect, use, and share your information when you visit our website located at www.pauzible.com and any of our other websites (our "Websites"), use our mobile applications, if any (our "Apps"), interact with our application programme interfaces and other services we make to interact with you through social networks (such social networks, "Social Networks"), our services that interact with Social Networks, "Social Network Services"), or use other services (our Websites, Apps, Social Network Services and related services are collective your "Services"). This Privacy Policy does not apply to any websites or applications that we do not operate or other websites that have their own privacy policies, including Social Networks. By visiting or using any of our Services, you are consenting to the practices described in this Privacy Policy.

The type of personal information (“Personal Information”) we collect

We currently collect or intend to collect and process the following information:

  1. Name
  2. Address
  3. Telephone number
  4. Email address
  5. Username and password
  6. Age
  7. Employment
  8. Income
  9. Assets
  10. Liabilities
  11. Credit reports
  12. Proof of identity
  13. Pay slips
  14. Tax returns
  15. P&L and Balance sheet for business for the last three years
  16. Bank statements
  17. Mortgage statements
  18. Property register
  19. Deed of purchase
  20. Proof of making timely payment of council taxes, insurance payments, utility bills, maintenance, building service charges, ground rents or any items that may rank pari-passu with or higher than a mortgage

Any other information you choose to provide us

We may also collect certain information related to you and your activities on our websites when you visit the websites. This information may include but is not limited to your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us (refer to “Use of Cookies and Analytical Tools" for more information about information collected by cookies and similar tracking technologies).

In accordance with your device permissions, we may collect information about the precise location of your device.

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

How we get the Personal Information and why we have it

We collect Personal Information from you directly through hour Services (for example, when you create an account on our websites or Apps, fill out a form or otherwise submit content through our services) and by communicating directly with you by telephone, by email, by any other communication channels broadly used and by using our embedded chat messaging system.

Most of the Personal Information we process is provided to us directly by you for one of the following reasons:

  1. Help us assess if we might be right for you.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

Any references to products and services are intended to imply those that may be available in future. Your eligibility for these particular products and services shall be subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on this website at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products, or services via our website, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

  1. Provide you with customer service.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) We have a contractual obligation.

(b) We have a legitimate interest.

  1. Communicate with you about our Services and products, about our company, and about your account generally.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) We have a contractual obligation.

(b) We have a legitimate interest.

  1. Help us assess if you are a suitable candidate for a role

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

We also receive personal information indirectly, from the following sources in the following scenarios:

Use of Cookies and Analytical Tools

We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.

Some definitions:

Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.

Web beacons (also known as "pixel tags" or" clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.

For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.

In accordance with your device permissions, we may collect information about the precise location of your device.

As part of our process, we carry out credit and identity checks with credit reference agencies.  We submit your personal information to them and they send us information based, for example, on your credit applications, including things about your financial situation and financial history.

We use the above information to:

  1. ·       Verify the accuracy of the information you have given us

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Mitigate against criminal activity, money laundering and fraud

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Assess your creditworthiness

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Personalize the Services to you, including in communications to you through our Social Network Services and in advertising through our Services and through third-party services (including advertising on other websites that we do not operate). If you give us permission on your mobile device, we may send you promotional and non-promotional "push" notifications to your mobile devices about our Services and products available on our Services.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

  1. Improve the security of our Services and to anticipate and respond to unauthorized, fraudulent, or unlawful activity.

Under the UK General Data Protection Regulation (UK GDPR), the lawful basis we rely on for processing this information is:

(a) We have a legitimate interest.

How we share Personal Information

We may share your Personal Information with our employees, independent contractors, and any parent, subsidiary, or affiliated business entity.

We may share your Personal Information with third-party vendors, consultants and service providers (collectively “Third-Party Service Providers”) in the following circumstances:

We may share your Personal Information with Third-Party Service Providers that access Personal Information to perform services for us.

We may disclose Personal Information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.

We may share Personal Information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it's necessary to protect the rights, property and safety of our users, the public, or others.

We share Personal Information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.

We may share Personal Information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.

We share Personal Information with your consent or at your direction, including but not limited to, through third-party integrations you choose to enable.

We also share aggregated or de-identified information that cannot reasonably be used to identify you.

We limit the information that we share to third-party service providers, and require that our third-party service providers only uses hared Personal Information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared Personal Information.

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting Pauzible UK Limited, 72 Cannon Street London EC4N 6AE.Telephone number 020 8865 3352. Email address privacy@pauzible.com

(b) We have a contractual obligation.

(c) We have a legal obligation.

(d) We have a legitimate interest.

Right to Access to and Control Over Information

You may have certain rights under applicable data protection law with respect to Personal Information about you that is collected through our services and our websites, or when you contact or otherwise engage with us. You also have the right to opt-out of receiving electronic direct marketing communications from us.

However, we may retain Personal Information as authorized under applicable law, such as Personal Information required as necessary to provide our services, protect our business and systems from fraudulent activity, to debug and identify errors that impair existing functionality, comply with law enforcement requests pursuant to lawful process, for scientific or historical research, for our own internal purposes reasonably related to your relationship with us, or to comply with legal obligations.

We require certain types of information so that we can provide our services. If you ask us to delete it, you may no longer be able to access or use our services.

We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response.

You may email us at privacy@pauzible.com to exercise any of these rights. To protect our customers’ Personal Information, we are required to verify your identity before we can act on your request.

We will hold your information to contact you about our products and services and to improve your experience. We may also contact you to request updated details.

Dependant on the data you provide us and for what purpose it is provided we may need to retain your data for up to six years after you are no longer a customer with us.

Links to Other Websites

The Services and websites may contain links to third-party websites and other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site.

This Privacy Policy is only applicable to our Services. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

We strongly advise you to review the Privacy Policy ofevery site you visit.

Security

We are committed to protecting your Personal Information. All of our operational and data processing systems are in a secure environment that protects your information from unauthorized access, use or disclosure.

Children's Privacy

This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use Personal Information from children under the age of 13. If we become aware that we have collected Personal Information from a child under 13, we will take steps to delete such information as soon as possible.

Updates to this Privacy Policy

We may change this Privacy Policy from time to time. If we change this Privacy Policy, we will post the updated version on this website and update the "Last Updated" date above.

Contact information

If you have questions regarding this Privacy Policy, please contact us at:

Pauzible UK Limited

72 Cannon Street London EC4N 6AE

privacy@pauzible.com

020 8865 3352

Please note that we may need to verify your identity before processing certain requests.

Changes to this Notice

We may update this Notice from time to time.

Your data protection rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com if you wish to make a request.

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us at

Pauzible UK Limited, 72 Cannon Street London EC4N 6AE. Telephone number 020 8865 3352. Email address privacy@pauzible.com.

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:            

Information Commissioner’s Office

Wy cliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk

X

Terms of use

These Terms of Use govern your use of this website. Please read these terms and conditions carefully before using this website. By accessing or using this website, you (“You” or “Your”) agree to be bound by these Terms of Use. If you do not agree to all of the terms, please immediately discontinue accessing this website.

Content

This website is operated by Pauzible UK Limited (hereinafter, collectively known with our subsidiaries as “Pauzible” “We”, “Our” or “Us”) and may provide general information about Our products and services that may be available in the future. Any products or services displayed on this website are purely for demonstration purposes only.

The information is neither intended to be fully comprehensive about potential products and services nor does it make any promise of availability of these products and services in the future. The products that are displayed on this website take into account the information and data provided by You, other third parties and may be obtained from other available sources. Pauzible does not warrant the accuracy of the information and is not responsible for the data or the availability of such products to You.

Future Products & Services:

Any reference to products and services below are intended to imply only to those that may be available in future.

Your eligibility for these particular products and services shall be subject to Our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, licenses, or services described on this website at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products, or services via this website, no solicitation is made by Us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

This website may contain links to third-party websites, such as social media websites, which We do not own or control, but which are being providing for your convenience. If You click a link to visit another website, You do so at your own risk subject to the terms and conditions established by the operator of that website. The fact that We provide access to a link to a website does not in any way infer or mean that We endorse, authorize, or sponsor that third-party website, or that We are affiliated with the third-party website’s owners or sponsors. We reserve the right to terminate access to a link to a third-party website at any time and for any reason.

Although We attempt to provide accurate and timely information on this website, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons, We cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on this website.

This website’s content, including but not limited to all music, images, icons, text, software, logos, expressions, and ideas, is copyrighted and protected by United Kingdom and worldwide copyright laws and treaty provisions. In addition, this website’s content is protected by patent and trademark laws, the laws of privacy and publicity, and the various communication regulations and statutes. You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

Any commercial use of this website or its content is prohibited. You may print a copy of the information contained on this website only for Your personal use. This right may be revoked at any time and for any reason.

Accessing the Website

You agree and acknowledge that You have the sole responsibility and liability for Your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for You to access and use this website.

From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, this website may not be available for Your use. We minimize the periods of time during which website is unavailable. You agree that We shall not be responsible for any loss, damages, costs, or expenses which You may suffer or incur, directly or indirectly, as a result of the unavailability of this website, regardless of whether it could be shown that We could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs, or expenses which You may suffer or incur, directly or indirectly, as a result of Your inability to access this website caused directly or indirectly, in whole or in part, by Your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”), or capacity or other limitations or constraints of the Internet.

We may at any time, with or without cause, and without prior notice to You deny You access to this website. We may terminate these Terms of Use and Your access to this website in whole or in part at any time without prior notice to You. In the event We terminate this Terms of Use, any applications You have submitted will continue to be evaluated, and any existing transactions You have entered into with Us shall remain in effect.

This website is not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to this website during times You are in a country for which use of this website would be prohibited. You are responsible for compliance with all local laws.

To protect the security of Your information, We may require You to authenticate your identity (i.e., prove that You are who you say you are) to conduct certain transactions on this website. It is a good idea to protect your security by always closing your web browser after leaving this website. If You believe that information that You have submitted through this website has been used without your permission, You must tell us immediately. Telephoning Us is the best way of keeping Your possible losses to a minimum. Call Us at 020 8865 3352 to report unauthorized access. If You fail to notify Us, You may be liable for all unauthorized activity on Your account.

You can also contact us at hello@pauzible.com regarding technical issues with this website.

Your Information

During the process of Your product application You may submit certain information to Us. We do not claim ownership of the materials You provide (including feedback and suggestions), post, upload, input, or submit to Pauzible UK Limited or any of its affiliated businesses (collectively “Your Information”). However, by posting, uploading, inputting, providing, or submitting Your Information, You are granting Us, and any vendors necessary to the course of Your transaction permission to use Your Information to fulfil Your request for services. That permission includes allowing Us to copy, distribute, transmit, publicly display (We will never publicly display Your non-public personal information), reproduce, edit, translate, and reformat Your Information. Please note that specific terms and conditions provided on the web page describing a particular feature or offer, may supersede this provision.

Consent to Employment Verification

By providing Us with Your employment information you are providing written consent permitting Us to contact third parties as necessary to verify Your income and employment.

Copyright Violations

Any information published on this Website is to assist and help consumers and if You believe You have proprietary ownership of any published work, that You do not intend to publish such information or if You believe that Your copyright-protected work was posted to the Services without authorization, please notify Us immediately at legal@pauzible.com. You can also contact us at 020 8865 3352 to report such matters.

Third Party Websites

You acknowledge that We have no control over, and no liability for any third party websites or materials, including websites and materials that You may access from links on our Websites, including any Social Networks and websites operated by third-party service providers that We engage to assist Us in providing the Services. Pauzible makes no guarantees about the accuracy, currency, content, or quality of the information provided by such websites, and Pauzible assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those websites.

Limitations of Liability

UNDER NO CIRCUMSTANCES SHALL WE OR OUR SUBSIDIARIES BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THIS WEBSITE, OR FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ANY INFORMATION PROVIDED ON THIS WEBSITE; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING E-MAILS FROM YOU; EVEN IF WE AND/OR OUR SUBSIDIARIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, Our liability is limited to the greatest extent permitted by law.

THIS WEBSITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED,INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS WEBSITE, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR THE WEB.

WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED ON THIS WEBSITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.

You agree to indemnify and hold Us and/or our subsidiaries harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by Us in connection with any claim by a third party (including any intellectual property claim) arising out of Your use of the website in violation of these Terms of Use or in violation of any applicable law. You further agree that You will cooperate fully in the defense of any such claims. We reserve the right, at Our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You, and You shall not in any event settle any such claim or matter without Our written consent.

Other Terms & Conditions

These Terms of Use will be governed by the laws of England and Wales without giving effect to any conflict of laws to the contrary.

No failure, omission, or delay on Our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use.

If any terms in these Terms of Use change due to applicable law or are declared invalid by order of a court, the remaining terms of these Terms of Use will not be affected, and these Terms of Use will be interpreted as if the invalid terms had not been placed in these Terms of Use. The headings in these Terms of Use are intended only to help organize these Terms of Use.

Changes to these Terms of Use

You agree that we may from time to time amend all or any part of these Terms of Use, including, without limitation, establishing, increasing, or decreasing the fees and charges for products and services made available through this website and changing the features and functionality to this website. We will notify you electronically of any change to these Terms of Use as required by applicable law. Your use of this website after the effective date of the change shall constitute Your agreement to be bound by the terms of the change. You should also review these Terms of Use periodically for any changes.

ENABLE YOUR CLIENTS TO UNLOCK THE EQUITY IN THEIR BTL PROPERTY

Managing property isn’t always straightforward, and
your clients may need financial support when renovating or expanding their portfolio.

Become a partner

Better life for owners
with Pauzible

The simplest way to help your clients access the wealth built up in their property. Owners can access up to 10% of their property value without having to sell it

Pauzible
Pause
Support
existing
customers

Assist your customers looking for different financing options

Protect
No
extra
hassle

Maintain your customer relationship, while we handle everything else

Progress
New
revenue
stream

Earn a commission for each customer who takes our product

Progress
Add
more
customers

Gain an edge by enabling your customers to access wealth built up in their investment properties

What are our products?

5-YEAR TERM

Payment period: up to 5 years

Settle with Pauzible : 5 years

Cost : £0000

10-YEAR TERM

Payment period: up to 10 years

Settle with Pauzible : 10 years

Cost : £0000

How much could your customer get

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Indicative Qualification Criteria

* The above qualification criteria is for information only and is subject to change.
Please contact us for more details.

Business BTL property in England and Wales

Financing to be used for business purposes

Minimum financing amount £10,000

Maximum financing amount £150,000, per property, subject to a cap of 10% of property value

Maximum combined loan-to-value 85%

Standard property types

Owned personally, or through limited companies

Why does it matter?

14

consecutive interest rate hikes by the Bank of England since December 2021

1.6

consecutive interest rate hikes by the Bank of England since December 2021

-5.3%

consecutive interest rate hikes by the Bank of England since December 2021

FAQs

What does Pauzible do?

Pauzible provides you with the opportunity to freeze your mortgage payments at the same level as before the remortgage, for the period of your current fixed rate subject to a maximum of five years, thereby protecting your property for you. At the end of this freeze period, you resume your full mortgage payments, as before.  In return, we receive a share of the value in your property based on the amount of mortgage payments we agree to make on your behalf. You have the option to buy back our share or sell your property anytime during the ten-year period. Otherwise, you settle with us when you remortgage or sell the house.

Who is Pauzible right for?

Pauzible may be the right solution for homeowners, who intend to own and remain in their property for more than three years and have sufficient equity in the home. To find out if you qualify, express your interest and we will be in touch.

Who is Pauzible not right for?

While it is not possible to list all the cases for whom the product is not suitable, some of them are highlighted below.
- if you intend to live in your property for only a short period of 3 years or less
- if you have not built sufficient equity in your home
- if you have a recent history of payment arrears on your debt such as mortgage, credit card, personal debt etc.
- if you have had a bankruptcy, IVA, CCJ or DRO in the recent past
- certain types of properties are not eligible such as mobile homes, houseboats, holiday homes, park homes, farms.

Who are the team behind Pauzible?

Our leadership team consists of passionate and seasoned professionals, who, on average, have over two decades of experience in mortgage and home ownership financing, building and using technology and delivering enhanced customer experience. Our objective is to protect homeowners from losing their homes by helping pause their mortgage hike in exchange for a share of the value of their property.

Explore more FAQ

Who
we support

Property with mortgage

Property without mortgage

Who we
partner with

Mortgage professionals

Estate agents

Retrofit specialists, contractors and many others

Why does it
matter?

Our research suggests more than 300,000 landlords need immediate access to short term loans

Ready to help more landlords?

Reach out to Pauzible today and find out how you can partner with us.

Support more customers

No extra hassle

Receive a referral fee

+44
Minimum 10 character needed*

Thank you!

Someone from our team will get in touch with you shortly. Meanwhile if you have any questions, feel free to reach out to us.
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Ready
to become
a partner?

Reach out to Pauzible today and find out
how you can partner with us.

Get in touch

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