HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
HAYAT UK
PRIVACY POLICY
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
Table of Contents
Document Control .................................................................................................................................................. 3
1. Background ..................................................................................................................................................... 4
2. Definitions and Interpretation ......................................................................................................................... 4
3. Information About Us ..................................................................................................................................... 5
4. What Does This Policy Cover? ....................................................................................................................... 5
5. Your Rights ..................................................................................................................................................... 5
6. What Data Do We Collect? ............................................................................................................................. 5
7. How Do We Use Your Data? .......................................................................................................................... 6
8. How and Where Do We Store Your Data? ..................................................................................................... 6
9. Do We Share Your Data? ................................................................................................................................ 6
10. What Happens If Our Business Changes Hands? ........................................................................................ 7
11. How Can You Control Your Data? ............................................................................................................. 7
12. Your Right to Withhold Information ........................................................................................................... 7
13. How Can You Access Your Data? .............................................................................................................. 7
14. Our Use of Cookies ..................................................................................................................................... 7
15. Contacting Us .............................................................................................................................................. 9
16. Changes to Our Privacy Policy .................................................................................................................... 9
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
Document Control
Approver(s)
Data Protection Officer
Policy Owner
Data Protection Officer
Version
3.0
Status
Operational
Last Reviewed Date
November 2022
Date of Next Scheduled Review
November 2023
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
1. Background
Hayat UK understands that your privacy is important to you and that you care about how your personal data is
used and shared online. We respect and value the privacy of everyone who visits Our website (www.hayat.com)
and/or uses Our Mobile Application (“Our Sites”), and will only collect and use personal data in ways that are
described here, and in a manner that is consistent with Our obligations and your rights under the law.
Please read this Privacy Policy (“Policy”) carefully and ensure that you understand it. Your acceptance of Our
Privacy Policy is deemed to occur upon your first use of Our Sites. If you do not accept and agree with this
Privacy Policy, you must stop using Our Sites immediately.
2. Definitions and Interpretation
In this Policy, the following terms shall have the following meanings:
“Cookie”
means a small text file placed on your computer or device by
Our Site when you visit certain parts of Our Site and/or
when you use certain features of Our Site. Details of the
Cookies used by Our Site are set out in section 14, below;
“Cookie Law”
means the relevant parts of the Privacy and Electronic
Communications (EC Directive) Regulations 2003 as it
forms part of the law of England and Wales, Scotland and
Northern Ireland by virtue of section 3 of the European
Union (Withdrawal) Act 2018;
“personal data”
means any and all data that relates to an identifiable person
who can be directly or indirectly identified from that data. In
this case, it means personal data that you give to Us via Our
Site. This definition shall, where applicable, incorporate the
definitions provided in the Regulation (EU) 2016/679 of the
European Parliament and of the Council of 27th April 2016
on the protection of natural persons with regard to the
processing of personal data and on the free movement of
such data (General Data Protection Regulation) as it forms
part of the law of England and Wales, Scotland and Northern
Ireland by virtue of section 3 of the European Union
(Withdrawal) Act 2018 (“UK GDPR” and and Data
Protection Act 2018 (DPA 2018); and
“We/Us/Our”
means Hayat UK as a registered trading name of ETHICAL
FINANCIAL TECHNOLOGIES LTD, a company registered
in England and Wales with company number: 13835303
with its registered address at 362 Derby Street, Bolton,
United Kingdom, BL3 6LS.
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
3. Information About Us
Our Site is owned and operated by ETHICAL FINANCIAL TECHNOLOGIES LTD (trading as Hayat UK), a
limited company registered in England under company number 13835303, whose registered address is 362
Derby Street, Bolton, United Kingdom, BL3 6LS.
Our Data Protection Officer can be contacted by email at [email protected], by telephone on +44 (0)20 3476
9104, or by post at 362 Derby Street, Bolton, United Kingdom, BL3 6LS, UK.
4. What Does This Policy Cover?
This Privacy Policy applies only to your use of Our Sites. Our Sites may contain links to other websites. Please
note that We have no control over how your data is collected, stored, or used by other websites and We advise
you to check the privacy policies of any such websites before providing any data to them.
5. Your Rights
As a data subject, you have the following rights under the UK GDPR, which this Policy and Our use of
personal data have been designed to uphold:
The right to be informed about Our collection and use of personal data;
The right of access to the personal data We hold about you (see section 13);
The right to rectification if any personal data We hold about you is inaccurate or incomplete (please
contact Us using the details in section 15);
The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only
hold your personal data for a limited time, as explained in section 8 but if you would like Us to delete it
sooner, please contact Us using the details in section 15);
The right to restrict (i.e. prevent) the processing of your personal data;
The right to data portability (obtaining a copy of your personal data to re-use with another service or
organisation);
The right to object to Us using your personal data for particular purposes; and
Rights with respect to automated decision making and profiling.
If you have any cause for complaint about Our use of your personal data, please contact Us using the details
provided in section 15 and We will do our best to solve the problem for you. If We are unable to help, you also
have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s
Office.
For further information about your rights, please contact the Information Commissioner’s Office or your local
Citizens Advice Bureau.
6. What Data Do We Collect?
Depending upon your use of Our Sites, We may collect some or all of the following personal and non-personal
data (please also see section 13 on Our use of Cookies and similar technologies:
IP address;
web browser type and version;
operating system;
a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
7. How Do We Use Your Data?
All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for
which it was first collected. We will comply with Our obligations and safeguard your rights under the UK
GDPR at all times. For more details on security see section 8, below.
Our use of your personal data will always have a lawful basis, either because it is necessary for Our
performance of a contract with you, because you have consented to Our use of your personal data (e.g. by
subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the
following purposes:
Providing and managing your access to Our Site;
Personalising and tailoring your experience on Our Site;
Providing and supporting Our services to you;
Market research;
With your permission and/or where permitted by law, We may also use your data for marketing purposes which
may include contacting you by email with information, news and about our activities. We will not, however,
send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect
your rights and comply with Our obligations under the UK GDPR and the Cookie Law
Third parties whose content appears on Our Sites may use third party Cookies, as detailed below in section 14.
Please refer to section 14 for more information on controlling Cookies. Please note that We do not control the
activities of such third parties, nor the data they collect and use and advise you to check the privacy policies of
any such third parties.
You have the right to withdraw your consent to Us using your personal data at any time, and to request that We
delete it.
We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was
first collected. Data will therefore be retained for the following periods (or its retention will be determined on
the following bases):
Data described in the Section 6 for no longer than 1 month
8. How and Where Do We Store Your Data?
We only keep your personal data for as long as We need to in order to use it as described above in section 7,
and/or for as long as We have your permission to keep it.
Some or all of your data may be stored outside of the UK. You are deemed to accept and agree to this by using
Our Site and submitting information to Us. If We do store data outside the UK, We will take all appropriate and
reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and
under the GDPR.
Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard
and secure data collected through Our Site.
Some of the steps We take to secure and protect your data include:
Encryption;
Least access privilege policy;
Cybersecurity policies, procedures and tools;
9. Do We Share Your Data?
Subject to certain circumstances (as described in the second para of this section), We will not share any of your
data with any third parties for any purposes. We may compile statistics about the use of Our Sites including
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and
will not include any personally identifying data, or any anonymised data that can be combined with other data
and used to identify you. We may from time to time share such data with third parties such as prospective
investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
In certain circumstances, We may be legally required to share certain data held by Us, which may
include your personal data, for example, where We are involved in legal proceedings, where We are complying
with legal requirements, a court order, or a governmental authority.
10. What Happens If Our Business Changes Hands?
We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of
control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any
part of Our business that is being transferred, be transferred along with that part and the new owner or newly
controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same
purposes for which it was originally collected by Us.
In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and
informed of the changes.
11. How Can You Control Your Data?
In addition to your rights under the UK GDPR, set out in section 5, when you submit personal data via Our
Sites, you may be given options to restrict Our use of your data. In particular, We aim to give you strong
controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving
emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of
providing your details).
You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone
Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing
Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note,
however, that these services will not prevent you from receiving marketing communications that you have
consented to receiving.
12. Your Right to Withhold Information
You may access Our Sites without providing any data at all. However, to use all features and functions
available on Our Sites you may be required to submit or allow for the collection of certain data.
You may restrict Our use of Cookies. For more information, see section 14.
13. How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under
the UK GDPR, no fee is payable and We will provide any and all information in response to your request free
of charge. Please contact Us for more details at [email protected] or using the contact details below in section 15.
14. Our Use of Cookies
Our Sites may place and access certain first party Cookies on your computer or device. First party Cookies are
those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience
of Our Sites. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and
personal data is protected and respected at all times.
All Cookies used by and on Our Sites are used in accordance with current Cookie Law.
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
Before Cookies are placed on your computer or device, you will be shown a Cookie consent prompt requesting
your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to
provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of
Cookies; however certain features of Our Sites may not function fully or as intended.
Certain features of Our Sites depend on Cookies to function. Cookie Law deems these Cookies to be “strictly
necessary”. Your consent will not be sought to place these Cookies, but it is still important that you are aware
of them. You may still block these Cookies by changing your internet browser’s settings, but please be aware
that Our Sites may not work properly if you do so. We have taken great care to ensure that your privacy is not
at risk by allowing them.
The following first party Cookies may be placed on your computer or device:
Name of Cookie
Purpose
CookieConsent
Stores the user's cookie consent state for the
current domain
__cfduid
Used by the content network, Cloudflare, to
identify trusted web traffic.
_ym_uid
This cookie is used to collect non-personal
information on the visitor's website behavior
and non-personal visitor statistics.
_ym_d
Contains the date of the visitor's first visit to
the website.
_ym_isad
This cookie is used to determine if the visitor
has any adblocker software in their browser –
this information can be used to make website
content inaccessible to visitors if the website
is financed with third-party advertisement.
_ym_uid
Collects data on the user’s navigation and
behavior on the website. This is used to
compile statistical reports and heatmaps for
the website owner.
_ym_retryReqs
Registers statistical data on users' behaviour
on the website. Used for internal analytics by
the website operator.
__vw_tab_guid
Registers data on visitors' website-behaviour.
This is used for internal analysis and website
optimization.
metrika_enabled
Used to track visitors on multiple websites, in
order to present relevant advertisement based
on the visitor's preferences.
_ym_metrika_enabled
This cookie is used to collect data on the
visitor's behavior on the website - this
information can be used to assign the visitor
to a visitor segment, based on common
preferences.
HAYAT UK is a registered trading name of ETHICAL FINANCIAL TECHNOLOGIES LTD. Companies House reference #13835303.
_ym57023188_lastHit
Registers statistical data on users' behaviour
on the website. Used for internal analytics by
the website operator.
_ym57023188_reqNum
Registers statistical data on users' behaviour
on the website. Used for internal analytics by
the website operator.
_ym_visorc_57023188
Registers statistical data on users' behaviour
on the website. Used for internal analytics by
the website operator.
_ym57023188_lsid
Registers statistical data on users' behaviour
on the website. Used for internal analytics by
the website operator.
_ym_metrika_enabled_57023188
This cookie is used to collect data on the
visitor's behavior on the website - this
information can be used to assign the visitor
to a visitor segment, based on common
preferences.
In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet
browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only
third-party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further
details, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete Cookies on your computer or device at any time, however you may lose any
information that enables you to access Our Sites more quickly and efficiently including, but not limited to,
login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the
help and guidance provided by the developer of your internet browser and manufacturer of your computer or
device if you are unsure about adjusting your privacy settings.
15. Contacting Us
If you have any questions about Our Sites or this Privacy Policy, please contact Us by email at [email protected],
by telephone on +44 (0)20 3476 9104, or by post at 362 Derby Street, Bolton, United Kingdom, BL3 6LS, UK.
16. Changes to Our Privacy Policy
We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be
immediately posted on Our Sites and you will be deemed to have accepted the terms of the Privacy Policy on
your first use of Our Sites following the alterations. We recommend that you check this page regularly to keep
up-to-date.