This privacy policy, together with our terms of business for the relevant products or services you express an interest in, sets out the basis for processing any personal information we collect about you.
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.
Personal Data
Your personal information
Personal information is any information we collect, or are likely to collect, via this website relating to an identifiable living individual. This means the personal information you provide 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. When providing our products and services to you, our panel lenders or we may need to obtain further information from you about your personal finances and financial history.
We may need your consent to capture and share this sensitive information and will do so as and when required, depending upon the product or service you require.
You must inform us of any changes to your personal information so that we can keep it current. 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 we collect about you will be held by us and/or only shared with our suppliers following your consent and knowledge. Your data will not be shared for marketing purposes. Your personal information will only be stored within the European Economic Area.
Changes to our Privacy Policy
We may change this Privacy Policy from time to time. You should check this Privacy Policy frequently to ensure you are aware of the most recent version that will apply.
Your rights
This section explains your rights under data protection laws concerning 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 can withdraw your consent to us processing your personal information anytime. This will not affect the lawfulness of processing 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. 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 we collected it, 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 be unable to provide you with our products or services 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 to fulfil 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.
Suppose you believe our processing of your personal information violates data protection law. In that case, you can make a complaint to the Information Commissioner’s Office (ICO) using the following details:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire. SK9 5AF
Tel: 0303 123 1113
Governing law and jurisdiction
This Privacy Policy and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed and construed in accordance with English law, and the courts of England will have exclusive jurisdiction over any claim arising from, or related to, this Privacy Policy.
Contact
If you have any questions, would like to talk to someone about this Privacy Policy, make a request concerning your personal information or make a complaint about how we’ve handled your information, please contact us.
Cookies used on our websites
Our websites use cookies to improve your experience while visiting the sites. Where applicable, our websites use a cookie control system allowing you to accept or decline the use of cookies on your computer or device on your first visit to the website.
This complies with recent legislation requirements that websites obtain explicit user consent before leaving behind or reading files such as cookies on a user’s device.
Cookies are small files saved to your computer’s hard drive that track, save and store information about your interactions and website usage. This allows the website, through its server, to provide you with a tailored experience within the site.
Suppose you wish to deny using and saving cookies from this website onto your computer’s hard drive. In that case, you should take the necessary steps within your web browser’s security settings to block all cookies from our websites and their external serving vendors.
This website uses tracking software to monitor its visitors to understand better how they use it. Google Analytics provides this software, which uses cookies to track visitor usage.
The software will save a cookie to your computer’s hard drive to track and monitor how you use the website but will not store, save or collect personal information. You can read Google’s privacy policy here for further information:
http://www.google.com/privacy.html
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 in 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 with them with due care and caution regarding their own privacy and personal details.
Our websites will never ask for personal or sensitive information through social media platforms. They encourage users wishing to discuss sensitive details to contact them through primary communication channels such as telephone or email.
Our websites use social sharing buttons that help share web content directly from web pages to social media platforms like Facebook and Twitter.
You should be aware that these sites will likely collect information about what you are doing all around the internet, including on our websites.
Before using such social sharing buttons, you are advised to do so at your own discretion. You note that the social media platform may track and save your request to share a web page respectively through your social media platform account.
Sometimes, 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 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 how to opt-out or delete such information.