We understand that privacy is very important to you, and we are committed to protecting and respecting your privacy. We will process any personal data we collect about you in full compliance with data protection laws applicable in the UK at all times.
Your personal information
Personal information means any information that we collect, or are likely to collect, via this website, relating to an identified or identifiable living individual. In practice, this means the personal information you provide to us via our enquiry form.
No credit checks will be undertaken without your knowledge and your details will not be given to any other third parties.
Your information will be passed by us to any of our panel lenders or specialist lending partner. In the course of providing our products and services to you, we or our panel lenders may need to obtain further information from you about your personal finances and financial history. We may need to obtain your consent to capture and share this sensitive information and will do so, as and when required, dependent upon the product or service you require.
You must inform us of any changes to your personal information so that we can keep it up to date. Should you notify us of such changes, we will notify any of the third parties detailed in our terms of business (if we have disclosed your personal information to them) of these changes, to ensure your records are rectified and remain accurate.
Where we store your personal information
Data that we collect about you will be held by us and/or only shared with our suppliers following your specific consent and knowledge. Your data will not be shared for marketing purposes. Your personal information will only be stored within the European Economic Area.
This section explains the rights you have under data protection laws with respect to how your personal information is held and used by us. If you wish to request to exercise any of these rights, you can contact us using the details on our ‘contact us’ page. We will grant your request only to the extent that it follows from our assessment of your request that we are allowed and required to do so under data protection laws.
You have the right to withdraw your consent to us processing your personal information at any time. This will not affect the lawfulness of any processing of your personal information that we carried out before your withdrawal. If you choose to withdraw your consent to us processing your personal information, we may not be able to provide you with certain products and services.
You have the right to access the information we hold about you, free of charge.
You have the right to ask us (and third parties to whom we transfer your personal data) to rectify your personal information if it becomes inaccurate. In order for us to do so, you must inform us of any changes to your personal information so that we can keep it up to date.
You have the right to ask us to erase your personal information if:
You withdraw your consent to our processing of your personal data; or
your personal data have been processed unlawfully by us; or
your personal data are no longer necessary for the purposes for which it was collected by us; or
you object to us processing your personal information on grounds relating to your personal situation.
We do not have to comply with a request to erase your personal information if we need to use that personal information for our overriding legitimate business interests or as may otherwise be required by law. We may not be able to provide our products or services to you if you ask us to erase your personal information
You have the right to restrict our processing of your personal data if:
You contest the accuracy of the personal data held by us (for a period enabling us to verify the accuracy of the data);
our processing activities are unlawful; or
we no longer need your personal data but you would like us to retain it to ensure its continued availability to you in connection with any legal claims; or
you object to us processing your personal information on grounds relating to your personal situation and it is still to be confirmed whether our legitimate grounds override your right to object.
In each case listed above, we will only process your personal data with your consent or as otherwise permitted by law.
You have certain rights to obtain and reuse your personal information for your own purposes across different organisations (for example, if you wish to move to a new financial services provider, this enables you to move, copy or transfer your personal information easily between our IT systems and theirs). This applies only to your personal information that we are processing with your consent or as required for the purposes of fulfilling a contract with you, and which is being processed by automated means. In these circumstances, you have the right to obtain your personal information from us in a usable format and for that personal information to be transmitted to another company, where this is feasible.
If you believe our processing of your personal information does not comply with data protection law, you can make a complaint to the Information Commissioner’s Office (ICO) using the following details:
Information Commissioner’s Office
Cheshire. SK9 5AF
Tel: 0303 123 1113
Governing law and jurisdiction
Cookies used on our websites
Cookies are small files saved to your computer’s hard drive that track, save and store information about your interactions and usage of the website. This allows the website, through its server, to provide you with a tailored experience within the site. You are advised that if you wish to deny the use and saving of cookies from this website on to your computer’s hard drive you should take necessary steps within your web browsers security settings to block all cookies from our websites and their external serving vendors.
Other cookies may be stored to your computer’s hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
Social Media Platforms
Communication, engagement and actions taken through external social media platforms that our websites participate on, are custom to the privacy policies held within each social media platform respectively.
Users are advised to use social media platforms wisely and communicate/engage upon them with due care and caution in regard to their own privacy and personal details. Our websites will never ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.
Our websites use social sharing buttons which help share web content directly from web pages to the social media platforms, facebook and twitter. You should be aware that these sites are likely to be collecting information about what you are doing all around the internet, including on our websites. You are advised before using such social sharing buttons that you do so at your own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account. In some cases, these sites will register that you are visiting either of our websites and the specific pages you are on, even if you don’t click on the buttons but are logged into their services, like facebook or google. You should check their respective privacy policies to find out what they do with your information and to find out how to opt out or delete such information.