What information do we collect?
We may collect, store and use the following kinds of personal information:
- information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any services you use (including your name, date of birth, residential address, email address, mobile phone number and application history);
- information that you provide to us directly by telephone, email or mail;
- information about your computer and about your visits to and the use of this website (including, but not limited to, your location data, device information and browsing habits).
Using your personal information
Personal information submitted to us via this website will be used for the purposes specified in this Policy or in the relevant parts of the website.
We may use your personal information to:
- enable your use of the services available on the website;
- connect you with our network of lenders and credit brokers for the fulfilment of a personal loan enquiry;
- provide general support in relation to the services you have requested;
- deal with enquiries and complaints made by you relating to the website;
- keep the website secure and prevent fraud;
- provide third parties with statistical information about our users – but this information will not be used to identify any individual user;
We will not:
- send you any marketing communications;
- provide your personal information to any third-parties for the purpose of direct marketing.
We may disclose your personal information to any of our employees or subcontractors insofar as reasonably necessary for the purposes set out in this Policy.
We may use intermediaries to assist in processing your application (“Data Processors”), including T Dot UK Ltd. We will share information with Data Processors only to the extent necessary for the purpose of processing applications you make via the website.
In addition, we may disclose your personal information:
- to the extent that we are required to do so by law;
- in connection with any ongoing or prospective legal proceedings;
- to establish, exercise or defend our legal rights.
- to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling;
- to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.
Except as provided in this Policy, we will not provide your information to third parties.
International data transfers
Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this Policy.
Information which you provide may be transferred to countries (including the United States) which do not have data protection laws equivalent to those in force in the European Economic Area.
We will only direct information to those countries that ensure an adequate level of protection for your information during the transmission process.
You expressly agree to such transfers of personal information.
If false or inaccurate information is provided, including in relation to a person’s identity, and fraud is identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information. The credit provider and other organisations may also access and use this information to prevent fraud and money laundering, for example when:
- checking details on applications for credit and credit-related accounts and other facilities;
- managing credit and credit-related accounts or other facilities;
- recovering debt;
- checking details on proposals and claims for all types of insurance;
- checking details of job applicants and employees.
The credit provider and other organisations may access and use from other countries the information recorded by fraud prevention agencies. For further details of the relevant fraud prevention agencies please contact us.
Security of your personal information
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the information you provide on our secure (password and firewall protected servers).
All electronic transactions entered into via the website will be protected by encryption technology.
You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data over the internet.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
How long we keep information
We will not keep your personal data longer than is necessary for the purposes for which it was collected, as set out in this Policy.
We will hold data subject to the following rules:
- we will maintain any information you have entered into forms on the website for up to six (6) years, beginning at the termination of our relationship with you;
- where legitimate legal or business reasons exist, we will maintain your information for so long as such condition remains.
We will take all reasonable steps to destroy all data which is no longer required.
We will process all personal data in line with your rights, in particular, your right to:
- request access to any data held about you by us;
- ask to have inaccurate data amended;
- prevent processing that is likely to cause damage or distress to you or anyone else.
Your access to information
You have the right to access personal information that is held about you. Provision of such information will be subject to:
- the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport/photo driving licence certified by a notary plus a copy of a utility bill showing your current address.
To obtain a copy of the personal information we hold about you, please write to us at the address located in the contact section of this policy, enclosing appropriate evidence of your identity and your postal details.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
Please let us know if the personal information which we hold about you needs to be corrected or updated. You can tell us about it using the website contact form.
Your right to be forgotten
You have the right to be forgotten under the following circumstances:
- where the personal data is no longer necessary for the purpose it was originally collected or processed;
- when the individual withdraws consent;
- when the individual objects to the processing and there is no overriding legitimate interest for continuing the processing;
- the personal data was unlawfully processed;
- the personal data has to be erased in order to comply with a legal obligation;
- the information is processed in relation to the offer of information society services to a child.
To request your 'right to be forgotten', please write to us at the address located in the contact section section of this policy.
Third party websites
This website contains links to other websites. We are not responsible for the privacy policies or practices are third part websites.
We may update this Policy from time to time by posting a new version on our website. You should check this page occasionally to ensure you are happy with the changes.
The data controller responsible in respect of the information collected on this website is Amaze Media (prop. John O'Hara). Our data protection registration number is Z3495700.
Check the register of data controllers