In our role as a credit broker, when you apply for a loan, we will electronically pass your details to one or more of the lender or brokers that we have an agreement with. These will evaluate the information you have provided, along with information they source from third parties about you, and decided whether they may be able to help. If they feel that they would like to review your application further, we will pass you over to their website to continue the process. We do not charge you for this service, but we will receive a commission from the lender or broker who you are transferred to. This commission is variable in amount.
We believe it is important to protect your Personal and Non-Personal Data (as defined in the Data Protection Act 1998) and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy. This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data, and tells you certain things we will do and not do. You should read this policy in conjunction with the Application Terms & Conditions.
When we first obtain Personal Data from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us or carefully selected third parties about other services or products (as applicable). You can normally do this by ticking a box on an application form.
We may collect personal data from you from a number of sources, including the following:
Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:
We have strict security measures to protect Personal Data.
We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
Where we act only as a credit broker, we do not collect, store or transmit any debit or credit card numbers.
We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.
The amount of time we hold your information depends on the basis it was provided by you to us, please see the following examples:
We, (including the other brands we own) and the lenders and brokers we ask to consider your application, may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address or with whom you are financially linked. These records may also be taken into account in credit and fraud prevention checks. Information from your application and payment details of any loans made will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments. If you provide false or inaccurate information and fraud is suspected, it will be recorded and may be shared with other people and organisations. We, and other credit organisations, may also use technology to detect and prevent fraud.
When a credit check is performed a footprint will appear on your credit file, this can be seen by other lenders and financial organisations. CRA's provide shared credit information, fraud prevention information, public information including the electoral register.
Where you are financially linked to another person, their data may also be provided by the CRA's and FPA's and a footprint left on their file too. You, or they, can apply to the CRA's to have this financial link removed.
You can obtain from the CRA details of the information they hold on you. Some may make a small charge for this, up to a statutory maximum. Contact details for the 3 main UK CRA's are:
If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email.
Please remember that communications over the internet, such as emails and webmail’s (messages sent through a website), are not secure unless they have been encrypted. Your communications may go through a number of countries before they are delivered - this is the nature of the internet. We cannot accept responsibility for any unauthorised access or loss of Personal Data that is beyond our control.
When we provide services, we want to make them easy, useful and reliable. This sometimes involves placing small amounts of information on your computer. These are called 'cookies'.
These cookies cannot be used to identify you personally and are used to improve services for you. A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website.
Cookies are used by many websites and can do a number of things, for example remembering your preferences, recording what you have put in your shopping basket, and counting the number of people looking at a website.
We use Google Analytics cookies to collect information about how visitors use our website and to help us ensure it is tailored to our customers' needs and interests. These cookies only collect information in an anonymous form, including the number of website visitors and the pages visited.
The Application Form may include third-party advertising and links to other websites. We do not provide any personally identifiable customer Personal Data to these advertisers or third-party websites.
We exclude all liability for loss that you may incur when using these third party websites.
If you would like access to the Personal Data that we hold about you, you can do this by emailing us or writing to us. There may be a nominal charge of £10 to cover administrative costs.