The StoresRadar privacy promise
- Privacy Notice
- 1. Privacy Notice
StoresRadar Privacy Notice
This privacy notice sets out how we use and manage your personal data. Where we refer to “personal data” in this privacy notice, this means data which relates to you and which personally identifies you either directly or indirectly.
Data Controllers and Data Protection Officer
A data controller is an organisation that collects and uses personal data and has responsibility for how the personal data is used and managed.
A data protection officer is the person in an organisation who has responsibility for monitoring compliance with the law and for ensuring that personal data is protected within an organisation.
New Era Shopping Limited provides your goods and is the data controller of personal data that you provide when you order goods. New Era Shopping Limited is registered in Ghana, number: CS225292018. Registered Office: Oblogo Rd (Close to Prudential Bank), Abossey Okai - Zongo Junction, Accra. New Era Shopping Limited’s websites is https://storesradar.com.
Our partnered Credit Reference Agencies provides credit, subject to status, and arranges other financial services products and are the data controller of personal data you provide when you request a credit account or other financial services products.
In the context of this privacy notice, when we use the term 'we' it means StoresRadar and Our partnered credit reference agencies.
The Data Protection Officer for New Era Shopping Limited can be contacted at email@example.com
How We Use Your Data
We use your personal data to provide goods and services to you and to enter into and administer any credit accounts or financial services products you may have with us.
We will use your personal data in the following ways:
- To provide goods and services and to manage your retail account including administering payments, returns and responding to queries.
- To assess whether to offer you a credit facility and for ongoing administration of any credit facility. This includes accessing and sharing information with the Credit Reference Agencies.
- To administer any financial services products that you have.
- To administer any prize draw or competition you may enter.
- To analyse your shopping preferences or how you interact with or use our websites.
- For research and statistical purposes.
- To send you special offers or discounts and to tell you about our products and services. You control your preferences in respect of how your personal data is used for marketing and you can change these preferences by creating a ticket.
- To record and monitor outbound and inbound telephone conversations with you to ensure consistent service levels, to prevent or detect fraud, to resolve queries and complaints and for performance management and training purposes.
We will collect personal data directly from you when you purchase goods or services or change any of your details (such as your name or address) via My Account. We require you to provide personal data in order to assess whether to enter into a contract with you or to perform our contract with you and if you do not provide the personal data we request, we will be unable to enter into or fulfil this contract.
We obtain data from third party sources such as credit reference agencies, fraud prevention agencies and publicly available information relating to you on the internet (for example on social media websites).
We may also obtain personal data from third party companies for the purposes of sending marketing communications to you. Such marketing communication may be sent by ourselves or by the third parties. These third parties must check you have given your permission for such contacts to take place.
Why We Need Your Personal Data
We need to process your personal data for a number of different reasons, and these are our legal bases for processing. We also need to keep your personal data for as long as is necessary for us to operate our business and to comply with legal and regulatory obligations.
We rely on one or more of the following legal bases for processing personal data:
- To perform our contract with you or to enter into a contract with you
We need to process your personal data to fulfil our contract with you or to assess whether to enter into a contract with you, whether this is in selling and delivering goods and services to you.
- To fulfil our legitimate interests or the legitimate interests of a third party
When we process personal data to fulfil our legitimate interests, we will use it in a way in which you would reasonably expect, and which will have a minimal privacy impact. When we or third parties are relying on legitimate interests, we will balance our interests against your interests and the privacy impact of the processing on you and we will process your personal data responsibly.
Examples of our legitimate interests are: direct marketing, fraud prevention, preventing and investigating crime, assessing affordability and credit worthiness, IT security and development by us and third parties of new products and services.
- To comply with legal obligations to which our business is subject.
We have to comply with relevant law and regulation in order to provide retail and financial services products and we will need to process your personal data in order to comply with these legal obligations.
If we are relying on consent as our legal basis to process your personal data, you have the right to withdraw consent at any time.
We will keep your personal data for the purposes set out in this privacy notice and only for as long as any legal basis continues to apply. Below is a non exhaustive list of some of the reasons we need to retain your personal data:
- Compliance with the requirements of the Financial Conduct Authority
- Compliance with Anti Money Laundering Regulations
- Reporting obligations to the Credit Reference Agencies
- Ensuring we have relevant information in the event of any queries or complaints
- Being able to identify if you have purchased a product which is subject to a product recall
- Being able to service any product or service guarantee you have purchased
- To assist with the establishment, exercise or defence of legal claims
The length of time we need to keep the personal data will vary depending on the nature of the personal data and the reason we are obliged to hold it. We will apply appropriate risk based measures to protect your personal data which may include pseudonymising or anonymising the personal data. If personal data is pseudonymised, this means it is de-identified so you are no longer identifiable, but we can re-identify you if we have a requirement to do so. If personal data is anonymised, it is de-identified, but can never be re-identified in the future.
Who We Transfer Data To
Transferring personal data to other organisations needs to take place with appropriate safeguards and you can be assured that we will only share the personal data that is needed for these organisations to be able to provide the right service to you or support us in doing so.
We may transfer your personal data to the following third parties:
- Other service partners – including for credit assessment purposes, for fraud prevention purposes or for the provision of other products and services
- Technology service providers – our partners who provide IT and website services.
- Customer service providers – our partners who work with us to administer your account and provide you with any help you may need.
- Telephony providers – our partners who provide telephone services and functionality.
- Delivery companies – our couriers, parcel firms and mail firms who deliver your goods or services and manage any returns on our behalf.
- Distributors and manufacturers of goods – our partners who fulfil orders and deliver products to you and manage any returns on our behalf.
- Product service providers – our partners who provide retail or financial products and services including credit facilities, insurance or extended warranties.
- Marketing service providers – our partners who work with us to send you information about products, services and special offers that we or they believe are of interest to you.
- Data pool facilitators – we may share and pool information (on an anonymous basis or otherwise) with other third party retailers or financial service providers. This may help up to improve our products and quality of service to all customers.
- Debt collectors, tracing agencies, debt purchasers or organisations providing debt support – our partners who help us to recover debts, who purchase debts or who offer debt advice and support.
- Regulators and other governmental agencies or law enforcement agencies.
- Organisations who may be interested in purchasing our business or organisations who we may be interested in purchasing - we may sell parts of our business or acquire other businesses and your personal data may be shared with such third parties as part of this process.
We will only transfer your personal data to third parties who adhere to appropriate data security standards and controls. From time to time we may need to transfer your personal data to other countries. Where this is the case, we will ensure that the transfer is subject to appropriate safeguards to protect your personal data and complies with applicable law which may include having standard contractual clauses in place with the third party. For further information on how data can be transferred to other countries, please find enclosed a link to Ghana’s Data Protection Commission (DPC) website: https://dataprotection.org.gh/
You have certain rights in respect of your personal data, and we have processes to enable you to exercise these rights.
Right of Access
This is known as a Subject Access Request. If you want to know if we are processing personal data relating to you and to have access to any such personal data, you can call our Customer Services Team on +233 (0) 2032-95595
Right to Rectification
If you believe that we hold inaccurate personal data about you, then you can either update this information directly by logging in to My Account and updating the relevant details or you can request that we carry out a review by calling our Customer Services Team on +233 (0) 2032-95595. Depending on the type of personal data you believe is inaccurate, we may ask you for further proof to ensure that the personal data is being corrected properly. If we are satisfied that the personal data is inaccurate, we will make the necessary changes.
Right to Erasure
You have a right to ask for your personal data to be erased in certain circumstances. However, this right does not apply where we have to comply with a legal obligation or where we need personal data for the establishment, exercise or defence of legal claims. Therefore, we cannot comply with an erasure request where you have a retail shopping account, owe money on a credit facility or have otherwise bought products and services for which we must keep records. In addition, if you opt out of marketing communications or have previously opted out of marketing communications, we have to keep a record, or such opt out to ensure that we don’t contact you in the future.
Right to Restriction
You have a right to request that processing of personal data is restricted in certain circumstances. However, we shall still continue to process the personal data for storage purposes, for the establishment, exercise or defence of legal claims or with your consent
Right to Object
Where we are relying on legitimate interests as a legal basis to process your data, you have a right to object to such processing on grounds relating to your particular situation.
If you object to our use of your personal data for marketing purposes, we will opt you out of marketing. You can do this by logging into My Account and amending your preferences or you can call our Customer Services Team on +233 (0) 2032-95595. You may also object to other processing when we rely on our legitimate interests as the basis for processing, but we do not have to stop the processing if we can demonstrate compelling legitimate grounds for the processing (taking into account our processing activities, the nature of our business and our legitimate interests) and that these grounds override your interests, rights and freedoms or in the event that we need the personal data for the establishment, exercise or defence of legal claims. To enable us to consider any objection we will need to know what specific interests, rights or freedoms relating to your particular situation you believe will potentially be put at risk by our processing. If we do stop processing your personal data (apart from for direct marketing purposes), this may affect our ability to trade with you.
From time to time, in deciding whether to enter into a contract with you, or during the ongoing performance of a contract, we take decisions based on automated processing which produces legal affects or similarly significantly affects you, for example, deciding whether to offer a credit facility or assessing a fraud risk. We use data from a variety of sources in our automated processing for credit scoring and fraud decisioning and we use statistical methods to produce the results. This logic helps us understand the risk posed by individuals by placing a weighting on certain criteria which is then calculated to give an overall score.
There are a number of consequences of such automated processing:
- we may open a credit account and you can purchase goods and services using this credit account
- we may increase or decrease your credit limit from time to time
- we may decide to offer you other credit terms such as buy & pay later or interest free credit which will facilitate your purchase of goods and services
- we may refuse your application for credit or we may decide not to offer certain credit products which may have an impact on your ability to purchase goods and services from us. This is in line with our obligations as a responsible lender as we have to assess affordability for credit purposes and to protect customers from financial distress and difficulty
- we may conduct a further review or request additional information from you in relation to your request to purchase goods and services if our fraud decisioning highlights any issues
We also use automated processing in relation to the information we hold about you to make recommendations of products and services we think you would be interested in and to improve your experience when you visit our website by making it relevant and tailored to you.
Right to Portability
In certain circumstances, you can request that we provide to you your personal data in a commonly used format. If you wish to make such a request, you can call our Customer Services Team on +233 (0) 2032-95595.
Right to Complain to the Information Commissioner
You have the right to lodge a complaint with the Information Commissioner and more details can be found on their website https://dataprotection.org.gh/
In order to process your application and during our relationship with you, we will perform credit and identity checks on you with one or more Financial Institutions/Banks (Credit Reference Agencies 'CRAs').
To do this, we will supply your personal information to CRAs, and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
We will use this information to:
- Assess your creditworthiness and whether you can afford to take the product
- Verify the accuracy of the data you have provided to us
- Prevent criminal activity, fraud and money laundering
- Manage your account(s)
- Trace and recover debts, and
- Ensure any offers provided to you are appropriate to your circumstances.
We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.
When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.
If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at:
- Banking Act – https://www.bog.gov.gh/banking/banking-acts
Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.
What We Process & Share
The personal data you have provided, we have collected from you, or we have received from third parties may include your:
- date of birth
- residential address and address history
- contact details such as email address and telephone numbers
- financial information
- employment details
- identifiers assigned to your computer or other internet connected device including your Internet Protocol (IP) address
When we and fraud prevention agencies process your personal data, we do so on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also necessary to enable us to enter into and perform our contracts with you.
We, and fraud prevention agencies, may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.
As part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk if:
- our processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct; or is inconsistent with your previous submissions; or
- you appear to have deliberately hidden your true identity
You have rights in relation to automated decision making: if you want to know more please contact our Customer Services Team on +233 (0) 2032-95595.
Consequences of Processing
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or we may stop providing existing services to you.
A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details above.
Whenever fraud prevention agencies transfer your personal data outside of your country’s Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in Ghanaian Economic Area.
They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.
Your personal data is protected by legal rights, which include your rights to:
- object to our processing of your personal data
- request that your personal data is erased or corrected
- request access to your personal data
For more information or to exercise your data protection rights, please contact us using the contact details above.
If you are unhappy about how your personal data has been used please refer to our Customer Services Team on +233 (0) 2032-95595.
You also have a right to complain to the Information Commissioner's Office, which regulates the processing of personal data.
How To Contact Us
If you have any queries about how we use your information or on data protection generally please call us on +233 (0) 2032-95595 or write to our Data Protection Officer, Oblogo Rd (Close to Prudential Bank), Abossey Okai - Zongo Junction, Accra - Ghana
From time to time we may contact you with details on special promotional offers or products that we think you would be interested in, via Email, Telephone, SMS, Post or from specially selected Third Parties, if you do not want to receive these communications you can opt out in the following ways:
- Existing customers who have registered their account online – log into My account, go to 'Support Ticket and create a ticket with the subject 'Contact Preference' and clearly state each method of contact you wish to opt out of.
- If you don’t have an account or your account isn’t registered online – call us on +233 (0) 2032-95595 or write to us at the above address. Please state which contact method you wish to be removed from (existing customers should provide their Account Name/username). Please clearly state whether you wish to be removed from storesradar.com communications, communications from Third Parties, or both.
- 1. Cookies
storesradar.com is made up of the services Custom Order, eBay Outlet, Amazon Outlet, Shop and DHL Express Service Point. If relevant, we may target you with an advert for one of our services other than the one you visited or used.
What are cookies?
Cookies are small text files stored on your device by a web browser (e.g Internet Explorer) that hold information about your previous visits to our site and may contain personal data relating to you. We use this information to offer you a more personal browsing experience and to enhance your use of our websites. By using our site you consent to cookies being used in accordance with our policy. For more information on privacy, personal data and cookies, visit www.whatarecookies.com.
What do cookies do?
Cookies perform many different tasks within our website; however their key role is to remember your preferences so we can give you an improved service. If you've ever placed items in your basket, had to leave our site and returned later to find the items still in your basket, this is an example of one of our cookies in action. Cookies also ensure that any adverts you see online both on our website and on third party websites will be more relevant to your interests.
How do cookies help when you visit our site?
Cookies allow us to treat you as an individual; using knowledge gained from your previous visits and preferences we can tailor our site so that it is more personal to you, allows you greater interactivity and is easier to use.
Why are we telling you this?
To ensure you are completely aware of the types of cookies we use and to enable us to continue to bring you the best possible shopping experience, we are giving you a detailed outline of the cookies we use and their unique role in your shopping experience.
Types of cookies
Strictly necessary cookies - These cookies enable you to navigate our site and gain full access to its features and secure areas. Without these cookies essential services you have asked for like ‘Your Basket' cannot be provided.
Performance cookies - These cookies remember information about how you and other customers use our website. This gives us vital information such as which pages are visited most often and if customers are receiving error messages from certain pages. The role of these cookies is to allow us to analyse and improve the performance of our website ensuring you receive a consistent look, feel and shopping experience. Performance cookies (often known as web analytic cookies) don't collect any information that identifies the customer and all information collected is aggregated and therefore anonymous.
Functionality cookies - These cookies remember choices you made on previous visits to our site such as your username, language or region so we can provide enhanced, more personal features. They can also be used to remember changes you've made to text size, fonts and other parts of web pages you can customise. Functionality cookies can also be used to provide services you have previously asked for such as watching videos or commenting on a blog. The information collected by these cookies may be anonymised and they cannot track your browsing activity on other sites.
Targeting or advertising cookies - These cookies are used to deliver adverts more relevant to your personal interests. Alongside this they limit the amount of times you see an advert and measure the effectiveness of adverts. This means you won't keep seeing irrelevant adverts or the same adverts over and over. These cookies are usually placed by trusted third parties (such as advertising networks) who we have a relationship with. They remember that you have visited a website and what pages you have viewed and the information within the cookie is shared with other organisations such as advertisers. These third parties may combine data which we share with data from other sources such as other websites or mobile applications. This combined data may then be used to ensure that we can better target you with products and services that are relevant to you. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisations that generate the advert. In line with Internet Advertising Bureau (IAB) guidelines, all our adverts carry the clearly displayed AdChoices icon. Clicking the AdChoices icon will give you access to information about privacy and behavioural advertising and allow you to quickly opt out of receiving further adverts. For more information visit www.youradchoices.com . Please note that by opting out of receiving adverts from one browser, device or app will not necessarily opt you out of all such adverts from all browsers, devices or apps
Can I disable cookies from you website?
It is possible to stop your browser accepting cookies from particular websites. However, disabling cookies from our site will mean you lose a lot of functionality, which will have a detrimental impact on your shopping experience and mean that you only have limited access to personalised areas of the site. Without access to the information on these cookies it is difficult for us to analyse the performance of our site. This is essential for us to continually improve our service.
Cookies are an essential part of how our site works and you will need to have cookies enabled to place an order. If you don't wish to enable cookies, you'll only be able to browse the site.
How to check cookies are enabled for PC
Click ‘Tools' in the menu bar at the top of your browser and select ‘Internet Options'
Click the ‘Privacy' tab and set the slider to medium to allow cookies
Click on 'Tools' in the menu bar at the top of your browser and select ‘Options'
Click the 'Under the Hood' tab, in the 'Privacy' section select the 'Content settings' button
Now select 'Allow local data to be set'
Click on 'Tools' in the menu bar at the top of your browser and select ‘Options'
Select the ‘Privacy' Icon and click ‘Cookies'
Select ‘Allow sites to set cookies'
Click on the Cog icon at the top of your browser and select 'Preferences'
Click on ‘Security'; check the 'Block third-party and advertising cookies' box, click 'Save'
How to check cookies are enabled for Macs
Click ‘Safari' at the top of your browser and select ‘Preferences'
Select ‘Security' and ‘Accept Cookies'
Select ‘Only from site you navigate to'
Click ‘Firefox' button at top of browser and select ‘Privacy' panel
Select ‘Firefox will' and select ‘Use custom settings for history'
Check ‘Accept cookies from sites and ‘Accept third-party cookies'
Select Keep until ‘they expire' and click ‘OK'
Click ‘Explorer' at the top of your browser and select ‘Preferences'
Scroll down to ‘Cookies' and select ‘Never Ask'
Select ‘Menu' from top of browser and click ‘Settings'
Select ‘Quick Preferences' and click ‘Enable Cookies'