Privacy Policy

We are committed to safeguarding the privacy of our website visitors and the data they supply at the time of an online reclaim application.

We ask that you read this policy carefully as it contains important information about how we will treat your personal information.

1) Using your personal information

The personal information submitted to us via this website will be used to enable the application for a finance reclaim to be made via our website in real time and for the purposes specified in this privacy policy of this website. If we are unable to offer a suitable solution we may offer your details to a broker or specialist debt company.

Your personal information submitted with the application will be passed in real time to our either our sales team or a partner broker specialist who are FCA regulated.

Should your application be unsuccessful, duplicated or declined by the lender your personal information maybe shared with an alternative specialists team who will contact you directly via Telephone, SMS and / or email to discuss your application. We will NOT share your data / personal information with any company / lender other than a Loan specialists or claims management company.

Currently the companies / lenders recognised and who we may send applications to are listed:

If you believe you have been mis-sold a product we suggests speaking to the lender directly before contacting a claims management company for advice.

We may use your personal information to:

a) help us identify you;
b) administer the website;
c) carry out research, statistical analysis and behavioural analysis;
d) improve your browsing experience by personalising the website;
e) enable your use of the services available on the website;
f) carry out customer profiling and analysing preferences;
g) notify you of any changes to this website or to our services which may affect you;
h) send you general (non-marketing) commercial communications;
i) send you email notifications which you have specifically requested;
j) send to you our newsletter and / or other marketing communications relating to our business which we think may be of interest to you by post or, where you have specifically agreed to this, by email at anytime you can inform us at any time if you no longer require marketing communications and your details will removed.
k) deal with enquiries and complaints made by or about you relating to the website;
l) other uses to enhance the website and its use

2) What information do we collect about you when you apply ?

We may collect, store and use the following kinds of personal information:

a) any other information that you choose to send to us including, for example, postal address, email address, telephone number.
b) information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any application made.
c) information that you provide to us for the purpose of registering with us if you confirm by ticking the relevant box giving consent to contact you with new Loan related products including any miss-selling claims;
d) information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters;
e) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation and more);

3) 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 personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.

Whilst we will use reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.

4) Cookies

Use of cookies

A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser. We may use both “session” cookies and “persistent” cookies on the website and they are used for purposes including tracking visitor use of the website; recognising you whenever you visit this website; obtaining information about your preferences, online movements and use of the internet; carrying out research and statistical analysis to help improve our content, products and services and to help us better understand our visitor requirements and interests; targeting our marketing and advertising campaigns more effectively; and making your online experience more efficient and enjoyable. Session cookies will be deleted from your computer (or other electronic device) when you close your browser. Persistent cookies will remain stored on your computer (or other electronic device) until deleted, or until they reach a specified expiry date.

Third-Party cookies

We work with third-party suppliers who may also set cookies on our website. These third-party suppliers are responsible for the cookies they set on our site. If you want further information please go to the website for the relevant third party. For example, we use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers (or other electronic devices). The information generated relating to our website is used to create reports about the use of the website. For example, the information will show us how visitors found and explored our site, and how we can enhance their experience. It provides us with information about the behaviour of our visitors (e.g. how long they stayed on the site, the average number of pages viewed) and also tells us how many visitors we have had. Google will store this information. Google’s privacy policy is available at: http:// www.google.com/privacypolicy.html

Consent

In most cases we will need your consent in order to use cookies on this website. The exception is where the cookie is essential in order for us to provide you with a service you have requested. There is a notice on our home page which describes how we use cookies and which also provides a link to our cookie policy. If you use this website after this notification has been displayed to you we will assume that you consent to our use of cookies for the purposes described in this privacy policy.

How to turn off cookies

Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one. For further information about cookies and how to disable them please go to: www.aboutcookies.org or www.allaboutcookies.org

5) Disclosures

In addition, we may disclose your personal information:

a) to the extent that we are required to do so by law;
b) in connection with any legal proceedings or prospective legal proceedings;
c) in order to establish, exercise or defend our legal rights
d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling;
e) 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 privacy policy, we will not provide your information to third parties.

6) Monitoring

We may monitor and record communications with you (such as emails) for the purpose of (specify, eg quality assurance, training, fraud prevention and compliance).

7) Credit Checking

This website acts as a conduit and at no time is your personal information used for a credit reference. Subject to your confirmation at the time of application a lender may offer an alternative privacy policy or terms supplied at the correct time.

8) Information about other individuals

If you give us information on behalf of someone else, you confirm that the other person has appointed you to act on his/her behalf and has agreed that you can:

a) give consent on his/her behalf to the processing of his or her personal data
b) receive on his/her behalf any data protection notices
c) give consent to the transfer of his/her personal data to relevant and related partners

9) Your consent

In making an application your application will be reviewed by a claims management company.

10) Policy amendments

We may update this privacy 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 any changes and that you are aware of the most recent version which will apply each time you access this website.

11) Your rights

You have the right (subject to the payment of a small fee as mentioned below) to request access to any personal information we hold about you. If you wish to exercise this right you should:

a) Put your request in writing;
b) Wait 2 working days for a reply
c) Supply appropriate evidence of your identity and address (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address);
d) specify the personal information you want access to, including any account or reference numbers where applicable.

We may withhold such personal information to the extent permitted by law. You have the right to require us to correct any inaccuracies in your data free of charge. If you wish to exercise this right you should:
put your request in writing;
provide us with enough information to identify you (e.g. account number, username, registration details);
specify the information that is incorrect and what it should be replaced with.

You also have the right to ask us to stop processing your personal data for direct marketing purposes. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.

12) Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

13) Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated.

14) Contact

If you have any questions about this privacy policy or our treatment of your personal information, please contact us.