When you access and use our Site, we will collect certain technical information about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies (see the “Our use of cookies and similar technologies ” section below).

From time to time, we will receive personal data about you from third parties. Such third parties may include analytics providers, our third-party merchant partners, credit reference agencies and third parties that provide technical services to us so that we can operate our Site and provide our Services.

If you apply for finance from us, we may collect and process your personal data in connection with the supply of such finance.

We may collect and process your personal data as provided to us by the main guarantor.

If you have instructed an estate agent and we have been assigned the right by the estate agent to collect your service fees and/or payments, we may collect and process your personal data in connection with the provision of this service, including in connection with any complaint you may raise with the estate agent or which you may refer to an alternative dispute resolution service (such as The Property Ombudsman).

If you are making a joint application or tell us that you have a spouse or financial associate, we will obtain personal information about any financial associates from the CRAs.

If you apply for a job with us, whether through the Site or otherwise, we will collect and process your personal data in connection with your application.

We will receive information from some of our partners whom we have introducer arrangements with.

We collect and maintain personal data that you submit to us during your use of our Site in the following ways:

• Submitting your finance application. 

The Services we provide require you to register with us and submit a finance application for us to process. We will ask all prospective applicants to complete the registration form, providing a username, email address and password as well as information about your address history, contact details, gender, age, employment status and your bank details.

We will use your personal data in order to process your finance application and in order to create an online customer account. Once you are registered, we will process your username and password to identify you when you login to your account and the secure areas of our Site. We will also process your login information so that we can administer your account and contact you about your account.  

Your access to and use of our Site, including any secure customer/merchant areas, is subject at all times to our Terms of Use.

Our legal basis for processing

It is necessary for us to use your personal data to perform our obligations in accordance with any finance agreement or other contract that we may have with you for the relevant Services.

• Customer service and general enquiries. 

Our Site features a “Get in Touch” page which invites you to submit general enquiries about our Site and our Services by email, telephone or via the Site directly.

When you make an enquiry, we will collect and process your name, contact information (including email address and/or telephone number) and any other personal data that is relevant to your enquiry. We use this information to manage and respond to your enquiry.

We also record (including voice recordings of telephone conversations) and use the information referred to above to train our personnel so that they can effectively deal with enquiries.

Our legal basis for processing

It is in our legitimate interest to use your personal data in the ways described above to ensure that we are able to help you with your enquiry and provide a good standard of service to you.

We and our third-party partners use cookies, web beacons, pixel tags and other similar technologies (which we generically refer to as “Cookies”) to collect data from the device(s) that you use to access our Site (including any emails that you receive from us). The data that is collected includes the following:

• an IP address to monitor Site traffic and volume;
• a session ID to track usage statistics on our Site;
• information regarding your demographics, experiences with our Site and our Services; and
• information regarding your contact preferences.

Please see our Cookie Policy for further information, including details of the third-party partners that are used.

We and our third-party partners use this data, in combination with your contact information and other information that we have collected about you, for the following purposes:

• for the purposes described in the Online personalised advertising section below and the Advertising to other people who share similar interests and characteristics to you;

• to analyse how you use, and the effectiveness of, our Site and Services, including:
  • to count users who have visited our Site or opened an email and collect other types of information, including insights about our visitors’ browsing habits, which helps us to improve our Site, Services and the effectiveness of our emails;
  • to measure the effectiveness of our content;
  • to learn what pages of our Site are most attractive to our visitors, which parts of our Site are the most interesting and what kind of features and functionalities our visitors like to see; and
  • to help us with the selection of future product and service lines, website design and to remember your preferences.

Our legal basis for processing

Where your data is collected through the use of Cookies, we rely on consent to collect your data. Please see our Cookie Policy  for further details.

However, we may rely on other legal basis when we use your personal data that has been collected via the use of Cookies for the purposes described in this section.

Where we use this personal data to analyse how you use our Site and Services, it is in our legitimate interest to use your personal data in such a way to improve our Site and our Services.

We use your personal data for recruitment purposes, in particular to assess your suitability for any of our positions that you apply for, whether such application has been received by us online, by email or by hard copy and whether submitted directly by you or by a third-party recruitment agency on your behalf.

We also use your personal data to communicate with you about the recruitment process, to keep records about our recruitment process and to comply with our legal and regulatory obligations in relation to recruitment.

We will process any personal data about you that you volunteer, including during any interview, when you apply for a position with us. We may also process your personal data obtained from any third parties we work with in relation to our recruitment activities, including without limitation, recruitment agencies, background check providers, credit reference agencies and your referees.

The personal data we process may include your name and contact information (including your email address, postal address, and telephone number), details of your education, qualifications and employment history, any other personal data which appears in your curriculum vitae or application, any personal data that you volunteer during an interview or your interactions with us, or any personal data which is contained in any reference about you that we receive. Such information may also include special categories of personal data (such as information about your health, any medical conditions and your health, sickness records, and any other special category data.) and information relating to criminal convictions and offences if that information is relevant to the role you are applying for.

We also use your personal data for the purposes of reviewing our equal opportunity profile in accordance with applicable legislation. We do not discriminate on the grounds of gender, race, ethnic origin, age, religion, sexual orientation, disability or any other basis covered by local legislation. All employment-related decisions are made entirely on merit.

Our legal basis for processing

Where we use your personal data in connection with recruitment, it will be in connection with us taking steps at your request to enter into a contract we may have with you or it is in our legitimate interest to use personal data in such a way to ensure that we can make the best recruitment decisions.

We will not process any special (or sensitive) categories of personal data or personal data relating to criminal convictions or offences except where we are able to do so under applicable legislation or with your explicit consent. 

If we have engaged you or the organisation you represent to provide us with products or services (for example, if you or the organisation you represent provide us with services such as applications/functionality, data processing or IT services and support, payment services, probate service providers, communications service providers we will collect and process your personal data in order to manage our relationship with you or the organisation you represent, to receive products and services from you or the organisation you represent and, where relevant, to provide our Services to our customers.

The personal data we collect from you may include your name, job title, contact information (including email address, telephone number and postal address), bank account or other payment details and any other personal data you volunteer which is relevant to our relationship with you or the organisation you represent.

Our legal basis for processing

It is necessary for us to use your personal data to perform our obligations in accordance with any contract that we may have with you or it is in our legitimate interest to use personal data in such a way to ensure that we have an effective working relationship with you or the organisation you represent and are able to receive the services that you or your organisation provides, and provide our Services to others, in an effective way.

If we have engaged you or the organisation you represent to provide us with products or services (for example, if you or the organisation you represent provide us with services such as applications/functionality, data processing or IT services and support, payment services, probate service providers, communications service providers we will collect and process your personal data in order to manage our relationship with you or the organisation you represent, to receive products and services from you or the organisation you represent and, where relevant, to provide our Services to our customers.

The personal data we collect from you may include your name, job title, contact information (including email address, telephone number and postal address), bank account or other payment details and any other personal data you volunteer which is relevant to our relationship with you or the organisation you represent.

Our legal basis for processing

It is necessary for us to use your personal data to perform our obligations in accordance with any contract that we may have with you or it is in our legitimate interest to use personal data in such a way to ensure that we have an effective working relationship with you or the organisation you represent and are able to receive the services that you or your organisation provides, and provide our Services to others, in an effective way.

We use your personal data for the following business administration and legal compliance purposes:

• to comply with our legal obligations;
• to enforce our legal rights;
• to protect the rights of third parties;
• to prevent criminal activity, fraudulent behaviour and money laundering; and
• in connection with a business transition such as a merger, reorganisation, acquisition by another company, or sale of all or a portion of our assets.

Our legal basis for processing

Where we use your personal data in connection with a business transition, to enforce our legal rights or to protect the rights of third parties, it is in our legitimate interest to do so. For all other purposes described in this section, we have a legal obligation to use your personal data to comply with any legal obligations imposed upon us such as a court order.

We will not process any special (or sensitive) categories of personal data or personal data relating to criminal convictions or offences except where we are able to do so under applicable legislation or with your explicit consent.

If the personal data we hold about you is inaccurate or incomplete, you are entitled to have it rectified. If we have shared your personal data with others, we’ll let them know about the rectification where possible. If you ask us, where possible and lawful to do so, we will also tell you who we’ve shared your personal data with so that you can contact them directly.

You can ask us to delete or remove your personal data in some circumstances, such as where we no longer need it or where you withdraw your consent (where applicable). If we have shared your personal data with others, we will let them know about the erasure where possible. If you ask us, where it is possible and lawful for us to do so, we will also tell you who we have shared your personal data with so that you can contact them directly.

You can ask us to ‘block’ or suppress the processing of your personal data in certain circumstances such as where you contest the accuracy of that personal data or you object to us processing it for a particular purpose. This may not mean that we will stop storing your personal data but, where we do keep it, we will tell you if we remove any restriction that we have placed on your personal data to stop us processing it further. If we’ve shared your personal data with others, we’ll let them know about the restriction where it is possible for us to do so. If you ask us, where it is possible and lawful for us to do so, we’ll also tell you who we’ve shared your personal data with so that you can contact them directly.

You have the right, in certain circumstances, to obtain personal data you have provided to us (in a structured, commonly used and machine-readable format) and to reuse it elsewhere or to ask us to transfer it to a third party of your choice.

You can ask us to stop processing your personal data, and we will do so, if we are:

• relying on our own or someone else’s legitimate interest to process your personal data, except if we can demonstrate compelling legal grounds for the processing; or
• processing your personal data for the purposes direct marketing.

You have the right not to be subject to a decision when it is based on automatic processing, including profiling, if it produces a legal effect or similarly significantly affects you, unless such profiling is necessary for the entering into, or the performance of, a contract between you and us.

If we rely on your consent (or explicit consent) as our legal basis for processing your personal data, you have the right to withdraw that consent at any time. You can exercise your right of withdrawal by contacting us using our contact details in the How to Contact Us section above or by using any other opt-out mechanism we may provide, such as an unsubscribe link in an email.  

If you have a concern about any aspect of our privacy practices, including the way we have handled your personal data, please contact us using the contact details provided in the How to Contact Us section above. You can also report any issues or concerns to the Information Commissioner’s Office here.