For the purpose of the Data Protection Act 2018 (the Act), the Company is the data controller. Our Information Commissioner’s Office Data Protection registration number is Z5566395.
We collect Personal Data directly from you via communications between us when you use or apply to use our
services, including when you apply to us for a loan via a credit broker and they transfer your personal data to us in accordance with your agreement with them. This includes:
We also collect your Personal Data from third parties:
We use your Personal Data which we collect as set out above to:
We may share your Personal Data with certain third parties where we have a legal basis to do so. Common third parties who may share your Personal Data include;
In order to process your application, we will perform credit and identity checks on you with one or more CRAs. To do this, we will supply your Personal Data to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
We will use this information to:
We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.
When CRAs receive a search from us they will place a search “footprint” on your credit file which can be seen by other lenders whether or not the application proceeds.
If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break
Effective Date: 20-Jun-2023
Last Updated: 20-Jun-2023
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.
If you are using any other web browser, please visit your browser’s official support documents.