We are Neyber Limited (referred to as “we” or “us” or “our” or “Neyber”). We provide an online platform which provides access to financial products to employees or members of our clients.
Neyber is authorised and regulated by the Financial Conduct Authority (“FCA”) to enter into a regulated credit agreement as a lender, exercise, or have the right to exercise, the lender's rights and duties under a regulated credit agreement, to carry out credit broking, and debt adjusting activities, under reference number 718709.
Our registered address is at 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR. We are a private limited company and our registered company number is 08806631. We operate from our registered address. We are not covered by the Financial Services Compensation Scheme.
Neyber is committed to protecting and respecting your privacy. This policy sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. For the purposes of the Data Protection Laws.
We are the data controller of any personal data you provide to us and are subject to any applicable data protection laws.
We are registered with the Information Commissioner’s Office (registration number: ZA039009).
Neyber works with employers to provide employees with access to financial wellbeing information and financial products. When accepting the financial products, customers agree to making payments or repayments by direct salary deductions. A direct debit is also required to be set up for use in the event that the customer ceases to be employed by the employer.
The Neyber Data Protection Manager,
1st Floor, 3 Finsbury Avenue, London, EC2M 2AR
The Neyber Data Protection Manager, email@example.com
You can browse our website as a guest without giving us any information, and we won’t know who you are. However, even if you are a guest, please bear in mind that we may:
We collect the information above by using cookies. Please see our Cookies Policy which explains what cookies we use on our website, why we use them and how you can control them.
Additional services are available once you register with us and login to our website. In this case, we will know who you are, your activities on our website and information about your computer may be linked to you on our systems. We may retain copies of any correspondence you send us, details of your registration history and any materials you post or upload on the Neyber Lending Platform or the Neyber Client Portal (for example payslips and other information we may require for salary verification purposes).
We also store data that you submit to us via email, via our optional surveys, and through our contact form and email subscription sign-up form on our website.
We may occasionally run promotional competitions and giveaways that may require you to submit your personal information to enter. Your data may be stored and processed to record entry to such events and to select winners at random.
The types of information we may request from you are:
Information we collect from people applying for Savings and Investments
Neyber has partnered with Smarterly for the provision of salary deducted savings and investment products. In order to facilitate salary deduction, we may receive the following information from Smarterly:
Clients will provide information about their employees or members to us (or one of our third-party service providers) as set out below.
Clients may transfer information about their employees or members through the Neyber Client Portal which is an online portal (“Data Portal”) operated by a third-party portal provider (“Portal Provider”). The Portal Provider will hold such information on behalf of the client and subject to the terms of a data protection agreement entered into between the client and the Portal Provider. When a loan application is made, we may access the information about you that is held on the Data Portal, in which case we will become a Data Controller of that information.
The types of information we may receive about a borrower from our client are:
We will check information about you held on our own records and also obtain information from credit reference agencies and other third parties about you and your financial associates’ personal credit behaviour and personal credit accounts.
We will also search at fraud prevention agencies for information on you and your financial associates and business partners.
We may also receive and hold information from third-parties that deliver products and services on our behalf. (See 4.2 regarding saving and investing in patnership with Smarterly).
In completing our job application form or submitting your CV to us by email, you will give us personal information about yourself.
We will use your personal data only for the purpose of assessing your suitability for employment by us and in any subsequent interviewing process. Copies of the information you submit, and any further correspondence will be retained in order to progress your job application and as a record of our employment and fair access processes.
When you apply for a job with Neyber you will submit your CV to us by email. Your application will only be processed by our HR team based in the UK. The information you provide to us as a jobseeker is supplied in strict confidence and your personal information will be input onto a computer database for internal recruitment purposes only. Only employees of Neyber who are part of the recruitment and selection processes, or IT support contractors engaged by us, will have access to your information.
We may store and record any telephone calls you have with Neyber staff for record keeping and quality control purposes.
We take all reasonable steps to retain personal information only for as long as we need to process your job application. We may also retain your details after a decision has been reached regarding your suitability for current jobs for vacancies that may become available in the future, or in accordance with our legal obligations.
We store and use this information to:
We may also use your data, in anonymised and aggregated form only, to carry out an analysis of and compile reports on the financial wellbeing of a client’s workforce or membership as a whole.
We may also process data under the lawful basis of legitimage interests. Where Neyber has been contracted to provide our financial wellbeing service, we will only conduct processing that is necessary to fulfil this purpose.
We won't provide your personal information to other companies for their marketing purposes unless you have given us your consent. However, we may aggregate anonymised information based on your personal information and disclose this to advertisers and other third parties.
We may share your personal information with companies and other third parties performing services on our behalf (for example credit reference agencies, the Portal Provider, customer relationship management providers or other service providers) who will only use the information to provide that service. We may also share your personal information with other members of our corporate group, or a purchaser or potential purchaser of our business. We may also share your information with online consumer review services, in which case, you may be asked to provide a customer review to help us improve our services.
In some circumstances, we may have to disclose your personal information by law, because a court or the police or other law enforcement agency has asked us for it.
Where it is necessary, or we have gained your consent, we may share your personal information with the following third parties for the provision of our service:
Please note that this list may be subject to change.
The personal data provided by loan applicants or received from third parties, for example, credit reference agencies, will be used to prevent fraud, money laundering and to verify the loan applicant’s identity in line with Neyber’s Fair Processing Notice.
We may share a loan applicant’s and/or borrower’s personal information with their employer or member organisation for the purposes of:
We may share relevant personal information with a loan applicant’s/ borrower’s/investor's employer or member organisation (such as contact details, date of birth, gross basic salary, start date of employment, payroll or membership number, and details of loan agreements or products purchased by the borrower which are to be processed via payroll), in order to provide our services to you and improve the accuracy of their respective records.
In addition, we may disclose a borrower’s personal information to:
When you complete ‘Find my Rate’, we will submit a request to the credit reference agency to do a soft credit search. When completing this they will leave a “footprint” on your credit file. However this footprint will only be visible to yourself and Neyber.
If you submit an application for a loan, we will perform a full credit search, which will leave a visible credit search “footprint” on your credit file.A record of the full credit search will be seen by other organisations when you apply for credit in the future; and
A credit reference agency will link together the previous and subsequent names advised by you, of anyone that is a party to the account.
Credit reference agencies supply the following information to us:
Credit reference agencies will keep records of outstanding debt on file for six years after they are closed, whether settled by you or defaulted.
The information which we and other organisations provide to the credit reference agencies and fraud prevention agencies about you, your financial associates, your business partners and details about your business may be supplied by credit reference agencies and fraud prevention agencies to other organisations and used by them to:
If false or inaccurate information is provided by you and fraud is identified, we will record this and details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
Please contact us if you want to receive details of the relevant fraud prevention agencies.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
If you are a joint applicant, or if you have told us of some other financial association that you have with another person (for example financial associates), you must be sure that you are entitled to:
An association will be created by the credit reference agencies between joint applicants and between you and anyone you tell us is financially connected with you. This will link your financial records with that person and those records will be taken into account in all future applications either by you or both of you. This will continue until one of you successfully files a disassociation at the credit reference agencies, i.e. informing them that you are no longer connected financially with a particular individual.
We would like to provide you with information about our new products, services, promotions, special offers and other information which we think you may find interesting.
By registering an account with us, you agree to us sending you information about our financial wellbeing services such as notifications, articles, tips, products and wellbeing tools.
If you have registered with us or have previously asked us for information on our products or services, we may send you information on our range of products and services (including those delivered directly by Neyber or in partnership with other companies) by phone, email and/or SMS/WhatsApp.
You have the right to object at any time to our processing of your personal information for direct marketing purposes and If you decide at any time that you no longer wish to receive marketing phone calls, emails or SMS from us, please contact us by email at firstname.lastname@example.org or by writting to us at Neyber Limited, 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR. We will always give you an opportunity to unsubscribe from receiving any marketing from us in each communication we send to you.
Alternatively, if you have a Neyber account and product, please log in and update your notification preferences.
You have the right to access information which we hold about you. If you so request, we shall provide you with a copy of your personal information which we are processing. For any further copies which you may request, we may charge a reasonable fee based on administrative costs. Please contact us by email at email@example.com or in writing to us at Customer Services, Neyber Limited, 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR.
You also have the right to receive your personal information in a structured and commonly used format so that it can be transferred to another data controller (“data portability”).
We want to make sure that your personal information is accurate and up to date. If you think any information we have about you is incorrect or incomplete, please email us at firstname.lastname@example.org or in writing to us at Customer Services, Neyber Limited, 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR. We will correct, delete or update any information as soon as possible.
We may use a credit-scoring system, i.e. an automated system to assess any aspect of your credit worthiness. You may ask us to ensure that, when we are evaluating your application for finance, we don’t base any decisions solely on an automated process. You must notify us of this request in writing to Underwriting Department, Neyber Limited, 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR or email@example.com.
If you make such a request, you will then have the right to be notified where such a decision is or will be based on an automated process. If we notify you that we have taken such a decision, you may request us to review that decision other than by automatic means by writing to Underwriting Department, Neyber Limited, 1st Floor, 3 Finsbury Avenue, London, EC2M 2AR or firstname.lastname@example.org within 21 days of receiving the notification.
These rights will not apply in all circumstances, for example where the decision is authorised or required by law and steps have been taken to safeguard your interests.
Where we have reasonable doubts concerning the identity of the person making the request, we may request additional information necessary to confirm your identity.
This website makes use of third party solution providers either via direct sourcing of data or via use of third party applications. Your use of those applications is subject to their own privacy policies, which may be amended from time to time. Our current third-party solution providers include but are not limited to:
Once you have left our website, we cannot be responsible for the content of other websites or for the protection and privacy of any information which you provide on these websites. Please note that these websites have their own privacy policies and website terms and conditions. We do not accept any responsibility or liability for these policies. Please check their privacy policies and their website terms and conditions when you visit them and before you submit any personal data to these websites.
You have the right to complain to the Information Commissioner’s Office (https://ico.org.uk/) about our data processing activities (helpline on 0303 123 1113)
Access our Complaints Procedure https://www.neyber.co.uk/complaints-policy
Last updated: 20th September 2019
We're open Monday - Thursday 9am to 6pm, Friday 9am to 5pm. We are closed at weekends and on Bank Holidays.
Financial wellbeing team: email@example.com
Support team: firstname.lastname@example.org