Privacy Statement

Privacy Statement
This explains how and why we acquire and use your personal information in accordance with Regulation (EU) 2016/679, the General Data Protection Regulation (GDPR) and the Data Protection Act 2018

    We collect information about you

as part of your loan application and during the term of any agreement

  •  from you and from searches of Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs) of their records relating to you and other people with whom you are linked financially, from public records, e.g. the electoral roll and third parties e.g. credit brokers where you have provided information to them and consented for it be passed to us
  • this includes your name, address, national insurance number, date of birth, contact details, marital status, employment information, credit record and records of your account.
    We use your information to:
  • make credit decisions about you, taking members of your household or others to whom you are linked financially into account
  • communicate with you by telephone, email, SMS, or post 
  • Manage your account, make collections and debt tracing
  • prevent fraud and money laundering
  • report to CRAs and FPAs
  • report to our regulator, the Financial Conduct Authority, where we are required to do so, This is to comply with our legal and regulatory obligations and fulfil our legitimate interests of promoting responsible lending, if you do not provide us with your information, we will not be able to lend to you.
    We may also use your information for other purposes where you have consented to this for example for surveys and research.

    We may share your information with:

  • third parties to which we transfer, charge or assign your agreement or which manage your loan or provide services for us
  • law enforcement agencies or regulatory bodies where we are required to do so by law
  • CRAs and FPAs to which we may report positive, delinquent and default data about your account(s) on a regular (minimum monthly) basis. This information may be supplied to other organisations which search your credit record.
    When CRAs receive a search from us they place a search “footprint” on your credit file whether or not the application proceeds. Records remain on file with CRAs and FPAs for 6 years after they are closed, whether your loan is settled by you or defaulted.
    More information about CRAs and how they use personal information is available at: https://www.experian.co.uk/legal/crain or you can contact the agencies below:

    We store your information:

  • Within the United Kingdom (UK)

We may transfer data outside of the UK but will ensure that before we do so, there is “adequate protection” in place to ensure the security of your data. 

    We Keep your Information:

  • For as long as it is needed to manage your account and for a maximum of six years unless a longer period is required by law.

    You have the right to:

  • access the information we hold about you
  • ask us to make any changes to your information to make sure it is accurate and up to date
  • ask us to stop or limit our use of or to delete your information
  • receive your information in a format that suits you
  • transfer your information to a third party
  • be told which CRAs we have used and obtain a copy of your file from CRAs.

   

   Contact

If you have a question, want to exercise your rights or make a complaint, please contact us on 01495 722333. 

You can also make a complaint to the information
Commissioner’s Office, Wydiffe House, Water Lane, Wilmslow, Cheshire SK9 5AF Telephone 0303 123 1113

 
 

Cookies

Cookie Policy

Effective Date: 01-Sep-2023
Last Updated: 01-Sep-2023

 
What are cookies?

This Cookie Policy explains what cookies are and how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used, and how to manage the cookie settings.

Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide better user experience, and understand how the website performs and to analyze what works and where it needs improvement.

 
How do we use cookies?

As most of the online services, our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.

The third-party cookies used on our website are mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better and improved user experience and help speed up your future interactions with our website.

 
Types of Cookies we use
 
Manage cookie preferences
Cookie Settings

You can change your cookie preferences any time by clicking the above button. This will let you revisit the cookie consent banner and change your preferences or withdraw your consent right away.

In addition to this, different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. Listed below are the links to the support documents on how to manage and delete cookies from the major web browsers.

Chrome: https://support.google.com/accounts/answer/32050

Safari: https://support.apple.com/en-in/guide/safari/sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox?redirectslug=delete-cookies-remove-info-websites-stored&redirectlocale=en-US

Internet Explorer: https://support.microsoft.com/en-us/topic/how-to-delete-cookie-files-in-internet-explorer-bca9446f-d873-78de-77ba-d42645fa52fc

If you are using any other web browser, please visit your browser’s official support documents.

 

Cookie Policy Generated By CookieYes – Cookie Policy Generator.