|Terms and Conditions|
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE. All users of this site agree that access to and use of this site are subject to the following terms and conditions and other applicable law. If you do not agree to these terms and conditions, please do not use this site.
The entire content included in this site, including but not limited to text, graphics or code is copyrighted as a collective work under the United Kingdom and other copyright laws and is the property of Four Corners Properties Ltd. The collective work includes works that are licensed to Four Corners Properties Ltd. Copyright 2003, Four Corners Properties Ltd ALL RIGHTS RESERVED. Permission is granted to electronically copy and print hard copy portions of this site for the sole purpose of placing an order with Four Corners Properties Ltd or purchasing Four Corners Properties Ltd products. You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download or print portions of the material from the different areas of the site solely for your own non-commercial use, or to place an order with KikBuild Four Corners Properties Ltd or to purchase KikBuild Four Corners Properties Ltd products. Any other use, including but not limited to the reproduction, distribution, display or transmission of the content of this site is strictly prohibited unless authorised by KikBuild Four Corners Properties Ltd. You further agree not to change or delete any proprietary notices from materials downloaded from the site.
All trademarks, service marks and trade names of KikBuild Four Corners Properties Ltd used in the site are trademarks or registered trademarks of KikBuild Four Corners Properties Ltd
This site and the materials and products on this site are provided "as is" and without warranties of any kind, whether express or implied. To the fullest extent permissible pursuant to applicable law, KikBuild Four Corners Properties Ltd disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement. KikBuild Four Corners Properties Ltd does not represent or warrant that the functions contained in the site will be uninterrupted or error-free, that the defects will be corrected, or that this site or the server that makes the site available are free of viruses or other harmful components. KikBuild Four Corners Properties Ltd does not make any warranties or representations regarding the use of the materials in this site in terms of their correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. Some states do not permit limitations or exclusions on warranties, so the above limitations may not apply to you.
Limitation of Liability
KikBuild Four Corners Properties Ltd shall not be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on this site or the performance of the products, even if KikBuild Four Corners Properties Ltd has been advised of the possibility of such damages. Applicable law may not allow the limitation of exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.
In the event that a KikBuild Four Corners Properties Ltd product is mistakenly listed at an incorrect price, KikBuild Four Corners Properties Ltd reserves the right to refuse or cancel any orders placed for product listed at the incorrect price. KikBuild Four Corners Properties Ltd reserves the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is cancelled, KikBuild Four Corners Properties Ltd shall issue a credit to your credit card account in the amount of the incorrect price.
These terms and conditions are applicable to you upon your accessing the site and/or completing the registration or shopping process. These terms and conditions, or any part of them, may be terminated by KikBuild Four Corners Properties Ltd without notice at any time, for any reason. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination.
KikBuild Four Corners Properties Ltd may deliver notice to you by means of e-mail, a general notice on the site, or by other reliable methods to the address you have provided to KikBuild Four Corners Properties Ltd.
Your use of this site shall be governed in all respects by the laws of the United Kingdom, without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site (including but not limited to the purchase of KikBuild Four Corners Properties Ltd products shall be in the state or courts located in London United Kigndom. Any cause of action or claim you may have with respect to the site (including but not limited to the purchase of KikBuild Four Corners Properties Ltd products) must be commenced within one (1) year after the claim or cause of action arises. KikBuild Four Corners Properties Ltd's failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. KikBuild Four Corners Properties Ltd may assign its rights and duties under this Agreement to any party at any time without notice to you.
Use of Site
Harassment in any manner or form on the site, including via e-mail, chat, or by use of obscene or abusive language, is strictly forbidden. Impersonation of others, including a KikBuild Four Corners Properties Ltd or other licensed employee, host, or representative, as well as other members or visitors on the site, is prohibited. You may not upload to, distribute, or otherwise publish through the site any content which is libellous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offence, violate the rights of any party or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the site or use the site to solicit others to join or become members of any other commercial online service or other organisation.
KikBuild Four Corners Properties Ltd does not and cannot review all communications and materials posted to or created by users accessing the site, and is not in any manner responsible for the content of these communications and materials. You acknowledge that by providing you with the ability to view and distribute user-generated content on the site, KikBuild Four Corners Properties Ltd is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any contents or activities on the site. However, KikBuild Four Corners Properties Ltd reserves the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or; other intellectual property right of another or (d) offensive or otherwise unacceptable to KikBuild Four Corners Properties Ltd) in its sole discretion.
You agree to indemnify, defend, and hold harmless KikBuild Four Corners Properties Ltd,its officers, directors, employees, agents, licensors and suppliers (collectively the "Service Providers") from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these terms and conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the site using your Internet account.
In an attempt to provide increased value to our visitors, KikBuild Four Corners Properties Ltd may link to sites operated by third parties. However, even if the third party is affiliated with KikBuild Four Corners Properties Ltd, KikBuild Four Corners Properties Ltd has no control over these linked sites, all of which have separate privacy and data collection practices, independent of KikBuild Four Corners Properties Ltd. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, KikBuild Four Corners Properties Ltd seeks to protect the integrity of its web site and the links placed upon it and therefore requests any feedback on not only its own site, but for sites it links to as well (including if a specific link does not work).
Payments, Credit And Debit Cards Transactions
All transactions are in British Pound Sterling. Kikbuild is a trademark of Four Corners Properties Ltd which is based and registered in The United Kingdom of Great Britain And Northern Ireland. Every item for sale in this website is fully described all along the website according to Codes, Names and Ranges where Technical Specifications, pictures and Prices are added as well as our Contact Information such as Telephone Number, Mailing and Email Address. None of our products for sale have export restrictions.
Delivery Policy Returns
All our products are delivered via Courier, Private Transport or Ordinary Post or Mail Service with different third parties companies and there are no guarantees on delivery dates as we cannot respond for third parties transport companies. To find out any shipping delivery time or fees please look at the information indicated where the Item is located in this website, there is included the Order to Shipping Time Line. If the Item do not arrive after a reasonable period of time we will refund the full amount of money paid for that item including delivery charges if any as some Items classify as Free Delivery.
Free delivery applies within the UK only when indicated as such on this website. All risk in the products you order (including risk of loss and/or damage to the products) shall pass to you when they are delivered to the delivery address specified in your order. We shall be under no liability for any delay or failure to deliver products if the delay or failure is wholly or partly caused by circumstances beyond our control. In the UK, delivery charge refunds can only be made in accordance with your legal rights under the Consumer Protection (Distance Selling) Regulations 2000 and other applicable legislation.
Where the supply of your product(s) or service(s) is delayed or prevented for reasons beyond our control (for example, material shortages, import delays or higher than anticipated demand) we will make every effort to keep you informed but shall be under no liability to you for such delay or failure.
Changes To Your Order
Any changes to your order must be notified to us in writing and within a reasonable time. If you amend or change your order you may find there are changes to your delivery timetable and / or the price you pay for the item (you will be charged the current selling price on the day you amend your order). You can change your order up until the evening before we start making it. This means up until: 2 days before collection or delivery. We will confirm your collection or delivery date when you place your order. To make any changes to your order, please call us on 01202 699220 (lines are open 8am-5pm Monday to Friday working hours).
Your Right To Cancel
If you are contracting with us as a consumer online or by phone, you have the right to cancel (under the Consumer Rights Directive 2011/83 as implemented in the applicable EU member state ("CRD")),all or part of your contract at any time up to 14 calendar days after the day on which you receive the goods or services you ordered. Any paid delivery charge will be included in your refund once we have received all (not part) of your order to the specified address. Please note the delivery charge refund will be to the value of Standard Delivery. KikBuild Four Corners Properties Ltd will process your refund with 14 days of receipt of the products, to the specified address. You must take reasonable care of the goods while in your possession and they must be returned to us before we can issue your refund. For any Specified Returns Address please contact us via email. If any product has been sent via Free Delivery and the customer wants to return it, any delivery charges caused by that return will be paid by the customer. For further information about your statutory rights, contact your local authority Trading Standards department or consumer advice centre (for example the Citizen’s Advice Bureau) PLEASE NOTE ALL DELIVERIES, SALES AND PRICES ARE FOR THE UNITED KINGDOM ONLY. We do not sale abroad.
There are certain liabilities which we cannot exclude by law and nothing in these General Terms and Conditions limits our liability for personal injury or death caused by our negligence or for fraud. You have certain rights as a consumer, including legal rights relating to faulty or misdescribed goods. For further information about your legal rights in the UK, contact your local authority Trading Standards Department or Citizen’s Advice Bureau. Nothing in these General Terms and Conditions will affect these legal rights and, in particular, we will perform our obligations under these General Terms and Conditions with reasonable care and skill. Any products we supply to you will be of satisfactory quality. If we deliver a product to you that is not of satisfactory quality, you can contact us for a repair or replacement or, where this is not possible, for a refund.
We are only responsible for losses that are a natural, foreseeable consequence of our breach of these General Terms and Conditions. We will not be liable to you if we are prevented or delayed from complying with our obligations under these General Terms and Conditions by anything you (or anyone acting on your behalf) does or fails to do or due to events which are beyond our reasonable control. You must follow any advice we give you to keep products we supply to you safe (including any instructions or product manuals provided with the products). We cannot accept liability for damage to products we have supplied which is caused by your failure to follow this advice. In any event we will not be liable for any losses related to any business of yours including (without limitation) lost data, lost profits, lost revenues or business interruption.
Assignment, Waiver and Third Party Rights
We may update or amend these General Terms and Conditions of Sale from time to time to comply with law or to meet our changing business requirements without notice to you. Any updates or amendments will be posted on the Website. You may not assign or sub-contract any of your rights or obligations under these General Terms and Conditions of Sale to any third party unless we agree in writing. We may assign, transfer or sub-contract any of our rights or obligations under these General Terms and Conditions of Sale to any third party at our discretion. No relaxation or delay by us in exercising any right or remedy under these General Terms and Conditions of Sale shall operate as waiver of that right or remedy or shall affect our ability to subsequently exercise that right or remedy. Any waiver must be agreed by us in writing. If any of these General Terms and Conditions of Sale are found to be illegal, invalid or unenforceable by any court of competent jurisdiction, the rest of these General Terms and Conditions of Sale shall remain in full force and effect. Only you and we shall be entitled to enforce these Terms of Sale. No third party shall be entitled to enforce any of these Terms of Sale, whether by virtue of the Contracts (Rights of Third Parties) Act 1999 or otherwise.
General Data Protection Regulation.
The General Data Protection Regulation GDPR is UK Data Protection Laws require us to manage all personal information in accordance with the Data Protection Principles. In particular, we are required to process your personal information fairly, lawfully and in a transparent manner. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require. All our employees are responsible for maintaining customer confidentiality. We provide training and education to all employees to remind them about their obligations. KikBuild Four Corners Properties Ltd is committed to providing local Retailing Services for Britain. And we want you to have trust and confidence in the way we deal with your information. The UK is a world leader in data protection and privacy. To comply with UK laws, we have to manage your personal information fairly, lawfully and transparently. This means you’ll know how we use your information and we’ll tell you about your rights. You can then decide whether you want to give us your information so that we can provide the product or service you need. All our employees are responsible for maintaining customer confidentiality. We provide training and education to all employees and we regularly review our policies and procedures. Our aim is to make sure that you have confidence in KikBuild Four Corners Properties Ltd and feel comfortable about giving us your information. We think that safely looking after your information is a key part of our relationship. We have a dedicated team that looks after data privacy rights.
We also have a Data Protection Officer (‘DPO’) to guide the business and oversee our use of your information. The Data Rights Team KikBuild Four Corners Properties Ltd 78 Dudsbury Road, West Parley, Dorset BH23 8GR, United Kingdom.
You can also contact our team by emailing Admin@kikbuild.co.uk Data Protection Officer The Data Protection Officer Canas Cottage Damhead, Kinloss Morayshire IV36 3UA United Kingdom.
We use this personal information to do all of the things you expect from us. And to meet our obligations to you under our Terms and Conditions. This includes:
Recording money in and out of your accounts meaning total refunds or partial refunds Providing you with products and services
Telling you about important changes or developments to the features and operation of these products and services
Responding to your enquiries and complaints Ideal For Finance Carrying out financial reviews Administering offers, competitions and promotions Updating, consolidating and improving the accuracy of our records Managing your relationship with us arrears and debt recovery activities Crime detection, prevention and prosecution.
We won’t be able to open or maintain an account or service if you fail to provide certain information. Occasionally KikBuild receives names and addresses (including email addresses) of non-customers who it’s thought may be interested in our products and services. In these circumstances, where we have your consent, we’ll let you know by email or post of the products or services we believe may be of interest. If we don’t already have your consent, we’ll tell you about our products and services by post in accordance with our legitimate interests to promote our business. You have the right to opt out of this marketing at any time, by following a link on the email or by contacting our Data Rights Team.
Providing products with other service providers. As well as our core Retailing Services, KikBuild Four Corners Properties Ltd combines with others to provide additional services. We do this where we believe it’s in your interests and ours, or where it’s necessary to deliver the service you’ve asked for. This involves passing some of your personal information to KikBuild Four Corners Properties Ltd business partners who help provide these products. We only pass the minimum information needed to these KikBuild Four Corners properties Ltd business partners. And we always make sure that your information remains protected as required under UK law, including laws regulating the sending of marketing messages to you. Where you apply for a product or service that’s delivered with a business partner, we’ll collect your personal information and use it to process your application and provide these services in the ways described below:
Retailing Products We provide this Retailing Service by working with our partners or suppliers, Baumhaus, Fonteyn, Jewson, Travis, Minster, Tile Magic, Ideal For Finance and others. When you decide to take out a Product or Service with us, you’ll be asked to provide information which will be passed to our suppliers for Delivery and Service Purposes. They are all separate data controllers. They’ll tell you about any information they hold that relates to you, what they do with it and why. They’ll also give you their contact details and tell you about your privacy rights.
KikBuild Four Corners Properties Ltd and our Suppliers will work together to make sure you receive the best service as a KikBuild Four Corners Properties Ltd customer. This means some information will continue to pass between our Suppliers and KikBuild Four Corners Properties. If you tell either KikBuild Brand or Four Corners Properties Ltd or our Suppliers that your contact details have changed, they will let each other know to keep records up-to-date. KikBuild Four Corners Properties will pass information about you to its suppliers, including aggregate claims or complain data. However they won’t provide details of individual claims that you make, or that are made against you or other customers. These products are provided or supplied by our business partners. They will be made known to you when you select the relevant product. To help you benefit from these products, KikBuild Four Corners Properties Ltd must pass the information you give us to the business partner providing the service. For example, if you buy a Piece of Furniture, details of your new Furniture will be passed to the business partner providing the Service and for Delivery purposes. These business partners are separate data controllers. They will tell you about any information they hold that relates to you, what they do with it and why. They will also give you their contact details and tell you about your privacy rights.
KikBuild Four Corners Properties will work with these business partners to give you the best possible service. This involves some information continuing to pass between them and KikBuild Four Corners Properties Ltd. They’ll let us know when you make use of the product or service. If you tell either KikBuild Four Corners Properties Ltd or the business partner that your contact details have changed, they’ll let each other know to keep records up-to-date. They’ll also pass to KikBuild Four Corners Properties Ltd information about the products by KikBuild Four Corners Properties Ltd customers and benefits provided or claimed. But they won’t provide details of individual customers. Where there is a dispute, they’ll pass information to KikBuild Four Corners Properties Ltd to help us deal with the dispute. We use your information so we can deliver the service that needed. This includes using your information so we can:
Determine your eligibility.
Like all Retailing Services, when you apply for products or services, we use processes to let you know that Ideal for Finance is able to carry out financial reviews and make faster decisions (for example determining you eligibility for an account or loan). But we want to make sure this works for you and us. We will use those processes to help decide whether you are eligible for a particular product, the appropriate amount of credit that we should provide, and Ideal For Finance will carry out credit and fraud prevention checks. In the future maybe due to the sheer amount of information involved and the volume of applications, routine human involvement could be impractical or impossible. So to allow us to provide those services with our Partner Ideal For Finance we may need to do this work in an automated way. Some fraud checks that Ideal For Finance carry out are necessary to meet our legal obligations. Ideal For Finance based on the information you provide them, will compare this against different metrics to determine whether you meet the eligibility criteria for an account. Or to determine whether you’ll be able to make repayments on a product. We work hard to make sure we make the right decision. Sometimes this means saying no to offering you an account or product. In making these decisions, we’ll pass information to, and receive information from, Ideal For Finance. If we make a decision on something important to you, we’ll always allow you to contest the decision, give your views and make sure there’s proper service given. If you want to exercise this right, please contact our Data Rights Team using the contact details in this Terms and Conditions.
Where possible you should provide any additional relevant information you’d like us to consider. The logic and outcomes of this decision-making are tested regularly to make sure they’re fair, effective and unbiased. We’ll use your information to make sure we give you and other customers the best possible service. This includes testing new systems, checking upgrades to existing systems, training, undertaking transactional analysis, conducting audits and assessing lending risks with our Partner Ideal For Finance. It also involves customer modelling, statistical and trend analysis aimed at developing and improving products and services, as well as providing information to Regulators. We do this to meet our legitimate interests in providing better services to our customers and making sure your information is appropriately protected.
Send Direct Marketing and Promotional Material.
We’ll offer you an opportunity to receive direct marketing and promotional information. We value our relationship, so we do our best to only send you information we think may be of interest to you personally. We’ll do this by post, email, phone or SMS. But we’ll only send direct marketing to KikBuild Four Corners Properties Ltd customers, in this way if you’ve consented to receive it. And don’t worry. You can withdraw your consent at any time. We take great care to make sure that information you receive from KikBuild Four Corners Properties Ltd is likely to be of interest to you. We do this by comparing our range of products and services with what we know about your needs and interests. Whereas we will only send marketing to you if you have consented to this, the work we do to make sure any marketing is likely to be of interest to you personally to meet our legitimate interests in sending marketing material about products you might be interested in. You can tell us to stop doing this at any time by contacting our Data Rights Team, by clicking ‘unsubscribe’ in any marketing email we send you or by following the instructions in our marketing SMS’. If you use our online services, when you are logged in we’ll aim to give you a personal service so that you see information relevant to you. This will include details of our products that we think will be of interest to you.
Make the most of social media.
If you interact with KikBuild Four Corners Properties Ltd through social media we may use your information to help us communicate. To deliver the best customer experience, we partner with software providers and Business Growth Companies that allow us to connect with you via online communities and blogs. These partners manage personal information only in accordance with our instructions. KikBuild Four Corners Properties Ltd can also require these partners to delete your information, or return it securely to KikBuild Four Corners Properties Ltd, at the end of our contract with them.
Do what you ask us to do.
If you request particular services from us, or ask a question, we’ll use your personal information to respond. This is to make sure we can provide the best possible service. Comply with legal obligations. This might include providing information to HMRC, preventing fraud, money laundering and doing what our Regulators require. We only do this where strictly necessary to comply with these legal obligations.
Deliver better On Line Retailing Service.
This includes using personal information to make sure we:
Manage and develop customer relations
Assess the suitability of existing and proposed products for our customers
Pass information to Ideal For Finance with your previous Authorisation for Credit Reference Agencies Conduct internal or external reviews of our performance and quality Instruct our internal or external legal teams Detect and prevent fraud and liaise with police and other anti-fraud agencies
Engage with and interact on social media Make sure we manage KikBuild Four Corners Properties Ltd as effectively and efficiently as possible We use your personal information in this way as it is in our business interests. It also allows us to defend our rights, provide a better service to our customers and understand what our customers want from us. Whenever we use your personal information, we’ll always make sure we work to protect your interests and rights. We won’t use your personal information for any purpose incompatible with those set out above. We’ll keep your data appropriately secure, and let you know if we use it for a new purpose. Occasionally, or very rarely we might ask for your specific consent to use your personal information. This might be when we want to record sensitive information, such as details about your health to use a Hot Tub or Sauna or maybe ethnicity. Asking for your consent gives you control over how this information is used. You can withdraw this consent at any time. We treat your personal information as private and confidential. In some instances we may disclose it outside KikBuild Four Corners Properties Ltd for the purposes set out above (including sharing information with partners or suppliers who help us provide services). This may include sharing it with subcontractors. They’ll act solely on our instructions or behalf and will only use your information for the purposes set out above.
We’ll disclose information to others to meet our contractual obligations to you in accordance with the Terms and Conditions, including where: Your information relates to your account, if we need to share information with other lenders like Ideal For Finance. We’ll also disclose information where strictly necessary to comply with our legal obligations, including where: HMRC or other authorities require it The law, a regulatory body or the public interest requires it it’s required as part of our duty to protect your accounts. For example if we are required to disclose your information to the UK Financial Services Compensation Service (FSCS) it’s required by us or others to detect, investigate or prevent crime or fraud. Information can also be made available where you consent or ask us to. If you give your consent, you can withdraw it at any time and we’ll stop disclosing the information in that way. Credit Reference Agencies. Not us but our Partner Ideal for Finance in order to process your application for a product or service, will perform credit and identity checks on you with one or more credit reference agencies (‘CRAs’). You will be informed in advance. To do this, Ideal For Finance will supply your personal information to CRAs and they’ll give us information about you whether your Credit is Approved or not to buy one of our Products. This will NOT include information from your credit application and about your financial situation and history. Ideal for Finance will use that information given directly from you to: Assess your creditworthiness and whether you can afford to take out a product Verify the accuracy of the data you’ve provided Prevent criminal activity, fraud and money laundering Manage your account(s) Trace and recover debts Make sure any offers provided to you are appropriate to your circumstances. We’ll continue to exchange very basic information about you with Ideal For Finance while you have a relationship with us. They will 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’ll place a search footprint on your credit file that may be seen by other lenders. If you’re making a joint application, or tell us that you have a spouse or financial associate, we’ll link your records together. So make sure you discuss and share this information with them before sending the application. CRAs will also link your records together. These links will remain on both your files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. The identities of CRAs, their role 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 CRAs are explained in detail at www.experian.co.uk/crain CRAIN is also accessible from each of the CRAs that TSB uses — visiting any of these links will take you to the same CRAIN document: Callcredit www.callcredit.co.uk/crain Equifax www.equifax.co.uk/crain Experian www.experian.co.uk/crain Fraud Prevention Agencies.
To make sure we help in the international fight against terrorism, money laundering, modern slavery and other criminal activities, if the government requires it we will disclose information to fraud prevention agencies and to government bodies. If we think there is a risk of fraud, we may block access or stop activity on an account. We will study patterns of activity, check for unusual transactions and monitor devices used to assess KikBuild Four Corners Properties’s systems, including Internet Protocol (IP) addresses. Transferring Information Outside the UK The UK and other EEA countries provide a high standard of data protection and privacy. However we may run your accounts and provide other services from centres outside the UK and EEA that do not have a similar standard of data protection laws. If so, we’ll require your personal information to be protected to at least UK standards. So we only transfer personal information to: countries that have been confirmed as protecting personal information to UK and EU standards companies in the USA certified as providing an adequate level of protection. In other instances, we’ll put contractual commitments in place which make sure personal information is protected to UK and EU standards. If you want to learn more about the specific countries to which we transfer personal data, or need a copy of the safeguards we have in place for particular countries, contact the Data Rights Team.
We may process payments through other financial institutions, such as banks and the worldwide payments system operated by the SWIFT organisation. For instance, this can happen if you make a CHAPS or foreign payment. These external organisations may process and store your personal information abroad and may have to disclose it to foreign authorities to help them in their fight against crime and terrorism. If these are based outside the UK and EEA, your personal information may not be protected to standards similar to those in the UK. However we’ll take steps, including using contractual commitments, to make sure that an adequate level of protection is provided. We’ll keep your information for as long as your account or product application takes. And for as long as you have accounts or products with us.
We’ll also keep your personal information for a certain period after your application has ended or you’ve closed your accounts.
How long we keep your Data.
When determining how long this period will last, we take into account our legal obligations, the expectations of financial and data protection regulators, and the amount of time we may strictly need to hold your personal information to carry on our business or defend our rights. For example, if you have an account with KikBuild Four Corners Properties Ltd, we’ll keep your information and account details while the account is open. To meet our legal and regulatory requirements, we must keep much of this information for a number of years after the account is closed — even if you do not have another account with us. We’ll also need to keep your information in archived form in order to defend our legal rights. This may be for the period during which legal claims can be made under applicable law. In the UK this is six years for contractual claims. We have policies and procedures in place to make sure that we delete information no longer needed for any of these purposes. You have certain rights over your personal information. These include the right to access a copy of your personal information, or have some elements of it transmitted to you or another company in a common electronic format. In certain circumstances you can have your personal information corrected or erased, or you can restrict our use of it. You also have the right to object to the way we use your personal information as described above.
We generally will not charge you to exercise these rights. You have the following rights: Access You have a right to ask KikBuild Four Corners Properties Ltd if we have your personal information. If we do, you have a right to know: Why we have it What type of information we possess Whether we have or will send it to others, especially outside the European Economic Area (list of EEA countries) How long we will keep it Where we got it from Details of any automated decision-making. If you want, you can ask for a copy of your information. It may help you to use this form. Rectification Where any of your information is incorrect, you have a right to tell us to correct it promptly. Please tell us as quickly as possible if you change your address or other contact details. If your information is incomplete, you can ask us to correct this too. In certain circumstances, you’ll have the following extra rights: Right to object Depending on the legal basis for which we are using your information, you may be entitled to object. For example, where we’re using your information connected with marketing, we will stop if you object. However, if we’re using your information to meet certain legal obligations, we may continue to do so even if you object.
Erasure (right to be forgotten)
You may have a right to have some or all of the information we hold about you deleted. However you should be aware that, as a Retailer, we are required to retain many records even after you close your account. Portability In certain circumstances you would be entitled to receive some of your information from us electronically. We can either pass the information to you, or to another person or business if you want. Restriction You might also be entitled to ask us to restrict our use of your information — for example if you think the information we hold on you is incorrect.
We will use automated systems to make decisions about whether you’re eligible for a particular account or products, and Ideal For Finance will carry out credit and fraud prevention checks. Based on the information you give to Ideal For Finance or to KikBuild Four Corners Properties Ltd, they will compare this against different metrics to determine whether you meet the eligibility criteria for an account, or to work out whether you’ll be able to make repayments on a product. We work hard to make the right decision. Sometimes this means saying no to offering you an account or product. If we make a decision on something important to you, we will always allow you contest the decision, give your views and make sure there’s proper care. The logic and outcomes of this decision-making are tested regularly to make sure they’re fair, effective and unbiased.
If you consent to us using your information, you have the right to withdraw that consent at any time. You can exercise these rights by contacting the Data Rights Team using the details shown above. We aim to work with you on any request, complaint or question you have about your personal information. However, if you believe we have not adequately resolved a matter, you have the right to complain to the Information Commissioner’s Officer (the ‘ICO’). You have a right, at any time, to complain to the ICO. As an independent UK authority, it upholds information rights in the public interest, promotes openness by public bodies and data privacy for individuals. You can visit their website at https://ico.org.uk or ask for details from our Data Rights Team. These General Terms and Conditions of Sale are governed by the laws of England and Wales and any disputes shall be subject to the exclusive jurisdiction of the Courts of England and Wales.