These terms govern the use of www.blossm.me (our site). By accessing any part of our website or application, users (you, your) are deemed to have accepted these terms and agree to comply with them. Please do not use our site if you do not agree to these terms.
We recommend that you print a copy of these terms for future reference.
Our site is operated by Score Genius Technology Limited t/a Blossm (we, us, our). We are registered in England and Wales under company number 11498853 and have our registered office at 20-22 Wenlock Road, London, N1 7GU.
You should review these terms alongside:
When you apply for any of our products and services, you will be asked to accept other terms and conditions applicable to the products and services you are applying for.
We do not guarantee that your use of our site will be uninterrupted or error-free. Although we try to ensure that our site is available 24 hours a day, we will not be liable if for any reason our site is unavailable at any time or for any period. We may suspend access to our site temporarily and without notice in the case of system failure, maintenance, repair, for reasons beyond our control, or for other business and operational reasons.
The content on our site is provided for general information only. It is not intended to amount to advice or information on which users should rely. No information published on our site constitutes a solicitation or offer, or recommendation, to engage in any trading activity or transactions, or perform any legal act (for example, entering into the terms for our products and services or any other contract). Users must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our site.
We do not represent or guarantee that our site will be free from loss, corruption, attack, viruses, hacking or other security issues, and we will not be responsible for any losses associated with the types of issues described in this paragraph.
You are responsible for configuring your information technology and computer programmes to access our site. You should use appropriate virus protection software. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful.
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. All such rights are reserved. All trademarks, service marks, company names or logos are the property of their respective holders. Any use by you of these marks, names and logos may constitute an infringement of the holders’ rights.
You may not reproduce, republish, transmit or distribute any material, information or content on our site without our prior written consent. However, you are granted a limited right to access and use our site and retrieve, display and print content pages, for your own personal, non-commercial use.
Any material transmitted or posted onto our site (including by way of the “Contact Us” form on our site) shall be considered public and non-proprietary and we will have no obligations with respect to such material. We may copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied in these materials for any and all commercial or non-commercial purposes. We will not do any of the above where the materials constitute or contain personal data.
Our site is made available free of charge. We are not responsible for any charges that you may incur from third parties with respect to your use of our site, including without limitation any data charges or Internet access fees.
Whether you are a consumer or a business user:
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. To the extent permitted by law, we exclude all conditions, warranties and representations with regard to our site or any content on it, whether express or implied.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
In particular, we will not be liable for:
We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
Links to third party sites on our site are provided solely for users’ convenience. Clicking on these links will cause users to leave our site (linked sites will generally open a new window, our site remaining open). Unless we say otherwise in relation to a particular third party link, we have not reviewed any third party sites and we do not control and are not therefore responsible for these sites or their content or availability, nor do we endorse them or make any representations about them. Users accessing third party sites via these links do so at their own risk and we accept no responsibility for them.
You may link to our site’s home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our site in any site that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
We reserve the right to withdraw permission to link to our site without notice.
We may revise these terms at our sole and absolute discretion and without prior notice. You should therefore check our site from time to time to review these terms, because, by accessing and continuing to use our site, you will be deemed to have accepted that you are bound by the version of the terms appearing on our site at the time of your access.
These terms, their subject matter and their formation (and any non-contractual disputes or claims), are governed by English law. To the extent permitted by law, we both agree to the exclusive jurisdiction of the courts of England and Wales.
You can submit feedback, comments, or questions about our products and services, our site, or these terms using the “Contact Us” form on our site. We will be free to exercise any and all rights in any content you submit without restriction or compensation of any kind. Our Privacy Notice describes the personal information we collect through the “Contact Us” form, how we use it, and where it is stored.
Blossm is a trading name of Score Genius Technology Limited, any references to Blossm are references to Score Genius Technology, Company Registration Number: 11498853. SGT is authorised and regulated by the Financial Conduct Authority under reference FRN 830950.
All references to our website include references to our mobile application.
When using our services via Android/iOS app and our website, you are thereby accepting and consenting to our practices and procedures described in this Privacy Notice. The data controller of your information is Score Genius Technology of 419 Richmond Rd, Twickenham TW1 2EX.
Our data controller registration number is ZA516139. Our registration on the Data Protection Public Register can be found at https://www.ico.org.uk/esdwebpages/search .
We collect information that:
We may collect and process the following data about you:
You will give us information about yourself during your use our web platform, app and if you communicate with us. Also if you tell us about a problem, complete a survey or answer questions, give us feedback or participate in forums.
If you access some of our services (e.g. credit; insurances) we may ask you for or we may obtain special categories of data:
Each and every time you use our app or our website we may collect the following information:
Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our website which includes date and time; products you viewed, products searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs) and methods used to browse away from the page and any phone number used to call our customer service number.
Technical information, including your login information, the Internet protocol (IP) address, time zone setting, operating system, browser type, version and platform.
Information we collect from Credit Reference Agencies on your behalf.
If you register to use our services, we will obtain your credit score and credit report from the leading Credit Reference Agency - Experian.
We work with a number of third parties and they may pass us information about you. These third parties include but are not limited to business partners, advertising networks, search information providers, service providers, analytics providers and social media. They may pass us your credit report, products you have taken out or been refused, if you’ve used other products, and other similar details. We may also receive information about you if you use any of the websites we operate or the other services we provide.
We may collect information from telephone calls and other communications between us, which we may monitor or record.
The information we hold in connection to you to communicate with you, provide you our services and improve on those services. We use your anonymized information for profiling, analysis and research
We will use this information:
We may use information from other source with information you give to us for the purposes outlined above.
We may use telephone recordings and/or other communications to improve our services, verify your instructions to us, analyses and assessment, as well as for training and quality purposes. For investigation of any complaint you may make, or as evidence in any dispute between you and us.
We will never sell your information to third parties without your consent. Blossm operates a ‘by consent’ policy to enable faster optimised applications for products.
Other members of our group and with other third parties, such as our service providers, advertisers, Experian, and Fraud Prevention Agencies. We may need to share your data to others to enable them to provide you with the information, products and services and you request. Your data may be disclosed to the other third parties as listed below. These third parties process your information under our instructions. To verify your identity, prevent fraud and money-laundering, information we have collected from you will be shared with fraud prevention agencies who will use it.
If fraud is detected, you could be refused finance, services, or employment.
Under GDPR, a sub-processor is any business or contractor customer information may pass through as a side-effect of using Blossm services. We use partners for some business processes that are critical to our customers having a quality experience. Here is a list of our sub-processors who we may share your information with:
AWS – Cloud Hosting Provider
MailChimp – Customer Relationship Management Tool
Experian – Data Provider for Credit Score and run part of the Market Place
True Layer – Access to Open Banking
Energy Helpline – Utilities Swaps
Amazon Web Services
We periodically appoint digital marketing agents to conduct marketing activity on our behalf, such activity may result in the compliant processing of personal information. Our appointed data processors include:
We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.
|Industry Sector||Examples include, but not limited to:|
|Automotive||e.g. car manufacturers, test drives, servicing, breakdown cover|
|Charity||e.g. animal welfare, disaster relief, children’s medical, elderly, environmental, health|
|Leisure||e.g. food & drink, events, museums, cinema|
|Financial products||e.g. banking, credit cards, investments, loans, mortgages, pensions|
|Insurance||e.g. car, home, life, medical, pet, income protection, travel, warranty products|
|Health / Mobility||e.g. fitness, beauty, opticians, hearing, care homes, mobility|
|Home Improvements||e.g. house moving, blinds & curtains, insulation, boilers,conservatories, doors & windows, extensions, gardens,solar panels|
|Wills||e.g. writing new Wills or reviewing existing Wills|
|Funeral Plans||e.g. to arrange and pay for a funeral in advance|
|Mail Order||e.g. catalogues, online retailers|
|Market Research||e.g. to gather information about consumers’ opinions and preferences|
|Media||e.g. online, television, radio, newspapers, magazines|
|Retail||e.g. fashion, groceries, electrical goods, comparison sites, discounts, FMCG|
|Telecoms||e.g. landline, mobile phones, broadband, digital TV|
|Travel||e.g. long haul holidays, city breaks, flights, UK breaks, accommodation|
|Utilities||e.g. gas & electricity switching, other household utilities such as water|
We may also share your information with selected third parties including:
If you register for our services we will obtain on your behalf, in accordance with our Terms and Conditions, copies of your credit report and credit score from our partner Credit Reference Agency, Experian, with whom we will share your information. Fraud Prevention Agencies and used by those organisations for the purposes of checking identity, preventing fraud, tracing and collection of debt. Experian may also use your data for statistical analysis. If you apply for a product, the lender will undertake a full credit check with one of the Credit Reference Agencies and provide you with further privacy information for that product.
We will share your personal information with fraud prevention agencies. If inaccurate or false information is provided and fraud is identified, details of this fraud will be passed to these agencies and to law enforcement agencies, who may also access and use this information. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. (difficult to reword)
We have an appropriate legal bases on which to collect, use and share data about you. If you have any questions about the lawful bases upon which we collect and use your personal data, you can contact our Data Protection Officer. firstname.lastname@example.org. Our lawful bases may include consent (where you have given consent), contract (where processing is necessary for the performance of a contract with you (such as delivering our core services to you) and our own legitimate interests.
Performance of a contract. The information you provide us with, and the information we collect about you from Experian or other third parties enables us to provide you with our services as agreed in our contract with you. Without collecting the information you give us we cannot provide our services to you. We need certain information from you in order to obtain your credit report and score and to show suitable financial offers to you and to provide our other services to you.
For other types of information, for example, the information we collect based on your use of the website and information we receive from our sources about you, we process this information for the purposes of providing our services to you as agreed in our contract and to enable us to:
Legitimate interests. We may process your personal data for the purposes of our legitimate interests or for the legitimate interests of our product providers or other suppliers provided that such processing does not outweigh your rights and freedoms. For example, we may process your personal information to:
Where we rely on legitimate interests, you have the right to object at any time.
Consent. Where we are legally required to do so we will always seek your consent to process certain types of information. You have the right to withdraw or decline your consent at any time.
While your account remains active, we keep your information for no longer than is necessary depending on the purpose for which we are using it. How long we keep your information will depend on the purpose for which we use it. While you are a customer of ours, we will only retain your information for as long as is necessary for those purposes. After termination of your account, we may continue to use anonymised data (which does not identify individual users) which is aggregated with anonymised data of other users. We use this aggregated anonymised data for data analysis, profiling and research purposes, for example to gain insights about our users. We may also keep your email address to ensure that you no longer receive any communications from us as well as your name, date of birth and latest address for fraud prevention purposes and for the exercise or defence of a legal claim.
We take date security very seriously and use strict procedures and security to protect your information and prevent unauthorized access, loss or damage. All information you provide to us, or is provided to us about you, is stored on our secure servers.
We cannot currently guarantee the security of your data transmitted to our website; any transmission is at your own risk. Where possible, we try to only process your information within the UK and European Economic Area (EEA). If we or our service providers transfer personal data outside of the UK or EEA, we always require that appropriate safeguards are in place to protect the information when it is processed. Part of our customer services function is based in India. We have put in place safeguards to protect personal data processed in or accessed from India.
We offer you the possibility to receive direct marketing information from us. Whenever you want, you can easily opt out of receiving marketing from us. We’ll normally send direct marketing to you by email, and with push notifications to your devices and we may contact you via other methods, for example SMS. You may receive the following types of communications from us:
If you would like us to stop receiving direct marketing from us, we offer easy ways foryou to opt out. Whenever you receive direct marketing you will be given an option tounsubscribe.
You can also write to us and tell us that you do not wish to receive any more marketing communications, with your full name, address and any other contact details you can provide, to:
Data Protection Officer
Score Genius Technology Limited
419 Richmond Rd,
Please be aware that if you follow a link to or from our website to a third party website, including links from websites of our partner networks, advertisers and affiliates these websites have their own privacy policies. If you follow a link to or froma third party website, and that we do not accept any responsibility or liability for these privacy policies.
We use an automated decision making system to make automated decisions based on personal information we have about you. This helps us to make sure our decisions are quick and fair, based on what we know.
In order to provide you our services, we must be able to verify your identity. We use an automated decision making system to verify the details you provide against those held by third party providers. If you do not pass the check using the automated system, we cannot provide our services to you.
We will use your information to determine the likelihood that your application will be accepted for a product, or to ascertain the best manner to present products to you.
Specific products and services
We will use your information to determine the likelihood that your application will be accepted for a product, or to ascertain the best manner to present products to you.
You have the right not to be subject to a decision based solely on automated processing, including profiling. If you prefer to have a non-automated decision, please inform us. Or if you have any questions about automated decision making, please contact us at email@example.com
You can exercise specific rights with regards to the data that we hold about you. We will provide you with the necessary tools and contact details to be able to exercise your statutory rights regarding the information that we hold about you. You will be able to:
Update or correct your information:
through the settings in your account, you will be able to update, or amend any information that we hold about you that is incomplete or inaccurate
Request access to your information
you can ask for access to the personal data that we hold about you so that you can check that we are using your information in accordance with data protection law.
Delete your information
you can ask us to delete your personal information, which we will do unless it is necessary for us retain it to comply with our legal obligations. Once deleted, it is unlikely we will be able to provide our services. We may keep your email address to make sure the restriction is respected in future.
Object to the use of your information
you may ask that we no longer use yourpersonal information where that use is based on a legitimate interest.
Restrict the use of your data
You have the right to ‘block’ or suppress further use of your information in certain circumstances (for example, where you think the information we are using about you is inaccurate, whilst we verify its accuracy). When usage is restricted, we can still store your information, but may not use it further.
Download your data
you can obtain a copy of the data you provided us in a machine-readable format.
Send it to another controller
where certain conditions apply, you have the rightto have such information transferred directly to a third party.
Right to withdraw consent:
You can exercise your rights at any time, and withdraw your consent for us to use your personal data by contacting our Data Protection Officer firstname.lastname@example.org.
The ICO is the UK’s independent body set up to uphold information rights.
If any complaint you raise with us is not dealt with in a satisfactory manner, or you believe we are not processing your personal data in compliance with data protection law, we ask that you contact our Data Protection Officer. However, you may choose to make a complaint to the Information Commissioner’s Office (ICO) at any time. Please see the ICO website for further information - https://ico.org.uk/for-the-public/raising-concerns