privacy
policy

Specialist Lending Limited Privacy Policy

Who are we?

Specialist Lending Limited (SLL) is a private limited company registered in England & Wales. Specialist Lending Limited also uses the trading styles ‘Duologi’ and ‘Purplebricks Payment Services’ and therefore this Privacy Policy applies in respect of each of these brands, and any other future trading styles we may choose to adopt.

Our Privacy Policy explains how we use any personal information we collect about you when you use this website or in respect of any finance agreement you hold or have applied for with us. This includes how we share certain personal information with third parties to initiate and maintain our business relationship with you.

Duologi takes the security of your personal data very seriously and we are committed to ensuring that your data is always processed fairly and lawfully. We detail below exactly how we will use and process any personal information which you provide or which we obtain from third parties with your permission.

 What information do we collect about you?

Duologi and our third-party suppliers may collect certain information or data about you when you use our website or when you apply for finance with us. We collect some or all of the following:

• Your name
• Your address
• Your address status (homeowner, tenant etc.)
• Your previous address (if less than 3 years ago)
• Your annual salary
• Your company name (if applicable)
• Your phone number
• Your email address
• Your date of birth
• How many dependants you have (if applicable)
• How you use our emails – for example whether you open them and which links you click on
• Your IP address, location, and details of which version of web browser you used.
• Details of the device you are using
• Information on how you use the site, using cookies and page tagging techniques. See information about cookies.

How will we use the information we collect from you?

This data can only be viewed by persons authorised by Duologi or our suppliers, to perform one or more of the following functions:

• process your finance application.
• analyse your suitability as one of our approved suppliers;
• maintain our finance agreement with you;
• establish contact with you;
• improve the site by monitoring how you use it;
• gather feedback to improve our services, for example our email alerts;
• provide you with information about our products and services;
• enable us or our agents to recover any funds due under any agreement we may have with you.
• monitor our own performance.
• auditing
• businesses that provide finance to us, so that we can lend to you.
• data analytics, scorecard, and product design.

How will we share the information we collect from you?

Duologi may share some or all of the information that it collects from you with third-party suppliers, to initiate or maintain our business relationship with you. This may include but is not limited to, sharing your information with the following:

 

• Divido Financial Services Limited (Divido);
• Mambu GmbH
• Salesforce.com
• 1-Fix Limited
• Creditlink Account Recovery Solutions (CARS) – [See CRAIN below];
• TransUnion [See CRAIN below];
• CreditSafe Business Solutions Limited
• CIFAS
• Companies used as a back up to our services (should our servicing capabilities fail) including Equiniti Gateway Limited T/A Equiniti Credit Services
• Companies that provide finance to us, including Woodchester Funding Limited
• TrustPilot
• Phillips & Cohen Associates (UK) Ltd
• Ecoeus Limited (An Aggregator Service in which Duologi has a shareholding)
• Suppliers who have introduced you to Duologi.
• Go Cardless, Worldpay and other payment service providers and financial institutions.
• Various communication companies in order to inform you of your account status or ask you for feedback.

Details of their Privacy Policies can be found on their websites (if applicable), which explain how they will use and process your data.

 Credit Reference Agency Information Notice (CRAIN)

 

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take a loan with us we may also make periodic searches at CRAs to manage your account with us.

To do this, we will supply your personal information 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:

• Assess your creditworthiness and whether you can afford to take the product;
• Verify the accuracy of the data you have provided to us;
• Prevent criminal activity, fraud and money laundering;
• Manage your account(s);
• Trace and recover debts; and
• Ensure any offers provided to you are appropriate to your circumstances.

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 that may be seen by other lenders.

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 that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at https://www.transunion.co.uk/legal/privacy-centre?#pc-credit-reference .

CRAIN is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same CRAIN document: TransUnion; Equifax; Experian.

 

Fraud Prevention

 

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity.

 

If false or inaccurate information is provided and fraud is identified, details will

be passed to fraud prevention agencies.

• Law enforcement agencies may access and use this information.
• We 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 or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance
• Checking details of job applicants and employees

Please contact us if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the

information recorded by fraud prevention agencies.

Where your data is stored

We store your data on secure servers in the UK and European Economic Area (EEA) which has equivalent Data Protections. Some of our suppliers are based outside the EEA. Where this is the case, we make sure that there are appropriate controls for the protection of personal data, that are at least equivalent to those required by UK Data Protection Legislation.

Keeping your data secure

Duologi takes data security very seriously and we have rigorous controls in place to ensure that any information we hold on you is held securely. Data is encrypted where appropriate to ensure it remains secure. However, most customers prefer contact by e-mail. You understand that sending information over the internet is generally not completely secure, and we cannot guarantee the security of your data while it is in transit. By agreeing the terms of this Privacy Policy, you understand that any data we send you, or you send us in this manner could potentially be intercepted and used. We have procedures and security features in place to keep your data secure once we receive it.

Data Retention Periods

Duologi stores your personal data in accordance with current laws, such as money laundering and accounting law (normally 5 years and 7 years, respectively). We will not retain your personal information for longer than is necessary unless required to by other legal or regulatory requirements or to enable us to adequately investigate complaints.

We may either securely dispose of or destroy your personal data or anonymise it for the purposes of data analytics.

 Disclosing your information

We may pass on your personal information:

• If we have a legal obligation to do so; or
• If we have to enforce or apply our terms and conditions and other agreements; or
• So that our key suppliers can perform their functions (see How will we share the information we collect from you?); or
• To law enforcement and regulators; or
• To credit reference agencies (see How will we share the information we collect from you?).

We will not share your information with any other organisations, other than those listed above and we will not pass on your details to other organisations unless we have your permission to do so.

Your rights

The UK General Data Protection Regulation provides the following rights to you as an individual:

• The right to be informed – This privacy policy sets out details of how we will process your information fairly;
• The right of access – You have the right to access your personal data and supplementary information;
• The right to rectification – You have the right to have personal data rectified if it is inaccurate or incomplete;
• The right to erasure – You have the right to have your personal information deleted where there is no compelling reason for its continued processing;
• The right to restrict processing – You have the right to block or suppress the processing of your personal data. This means that Duologi is permitted to store the personal data it holds but not further process it;
• The right to data portability – You have the right to move, copy or easily transfer your personal data from one IT environment to another in a safe and secure way, without hindrance to usability. In this event Duologi will provide your personal data to you in a structured, commonly used and machine-readable form;
• The right to object – You have the right to object to the processing of your personal data:
  • based on legitimate interests or the performance of a task in the public interest / exercise of official duty;
  • for direct marketing;
  • for the purpose of scientific / historical research and statistics.
• Rights in relation to automated decision making and profiling – Duologi uses automated decisioning based on the information which you provide and information obtained from Credit Reference and Fraud agencies. You have the right to request that any such automated decision is reviewed by an individual within Duologi.

 

Your Right to Complain

If you are dissatisfied with the way in which Duologi has processed your personal data or you believe that Duologi has breached personal data regulations you have the right to complain to us. The easiest way to contact us is by telephone, e-mail, or post:

• Telephone: 0345 5211 881
• E-mail: complaints@duologi.com
• Post: Duologi, The Square, Arena, Basing View, Basingstoke, Hampshire, RG21 4EB

If for some reason we have not been able to resolve your complaint within eight weeks, or you are not satisfied with our resolution of your complaint, you can refer your case to the Information Commissioner’s Office (ICO). Details can be found on the ICO website: ico.org.uk/global/contact-us.

Links to other websites

This privacy policy only applies to Specialist Lending Limited (including Duologi and Purplebricks Payment Services). Our third-party suppliers, with whom we may share information with your permission and other websites that we may link to have their own terms and conditions and privacy policies.

Following a link to another website

If you click on a link to another website from this one, read the privacy policy on that website to find out what it does with your information.

Following a link to duologi.com from another website

If you come to duologi.com from another website, we may receive information from the other website. We may use this data to help us effectively market other companies. You should read the privacy policy of the website you came from to find out more about this.

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