Loan Application

Everyday Loans specialise in bad credit loans.

everyday loansfor everyday life

Feefo 2018 Gold Trusted Service

1. Your application will be processed on behalf of Everyday Lending Limited by Aspire Money Limited.

2. Aspire Money Limited acts as a credit broker only, not a lender, and processes applications on behalf of Everyday Lending Limited.

3. Everyday Loans is a trading style of Everyday Lending Limited and is a direct lender. If your application is unsuccessful with Everyday Loans, Aspire Money Limited will pass your application to an alternative lender.

4. Aspire Money Limited will receive a commission from Everyday Lending Limited should your loan complete with them.


Note that our Privacy Policy consists of two parts, - Everyday Lending Limited Terms & Conditions- your data. Aspire Money Limited Privacy Policy -

Legal

Please read this information carefully. This legal notice applies to the entire contents of the Website under the domain name www.everyday-loans.co.uk (the "website") and to any correspondence by e-mail between you and us. By accessing and using this site and any of its pages, you agree to be bound by the matters referred to below. If you do not accept this legal notice in full, you must leave this website immediately. Copyright © Everyday Lending Limited. All rights reserved. Everyday Loans is the trading style of Everyday Lending Limited (Company Registration No. 5850869 England and Wales) whose registered office and head office is at Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS. We are part of the Everyday Loans Group ("Everyday Loans") which comprises of Everyday Holdings Limited, Everyday Loans Limited and Everyday Lending Limited and our parent, Non Standard Finance PLC.

Trademarks

Everyday Loans is a registered trademark and service mark of Everyday Lending Limited. Everyday Lending Limited may also claim trademark and service mark rights in other marks contained in the pages of this site.

Use of information and materials

The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. We reserve the right to revise this legal notice at any time by posting new terms and conditions on the website 14 days before the relevant change(s) take effect. The current terms and conditions displayed on this website are binding on you and the continued use of the website after any changes in respect to our terms and conditions constitutes your acceptance of these changes. If you do not wish to accept any changes you must not continue to use our website. It is your responsibility to check this website from time to time to review the current terms and conditions of this legal notice. Our products and services are currently only available to residents of England and Wales. Your eligibility for particular products and services is subject to our final approval.

No warranty

We have tried to make the information on this website as clear and accurate as possible. However, we do not guarantee the accuracy, adequacy or completeness of the information and materials contained on this site and, to the extent permitted by law, are not responsible for errors or omissions in this information and materials.

Limitation of liability

In no event will we or any of our associated companies be liable for any damages, or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we are advised of the possibility of such damages, losses or expenses.

Nothing in this legal notice shall exclude or limit our liability for:

  • death or personal injury caused by negligence
  • or any other liability which cannot be excluded or limited under applicable law.

Hyperlinks to other internet resources are entirely at your own risk. If you use these links, you leave this website. The content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored, or endorsed by us.

Submissions

All information submitted to us via this site (other than personally identifiable information which is covered by our privacy policy) shall be deemed and remain our property. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides us through this site. Any information (except personally identifiable information) submitted to the website shall be deemed to be non-confidential and non-proprietary. We shall have no obligations with respect to such information.

PRIVACY NOTICE

Who are we?

About this privacy policy

The types of personal data we use and its sources

Who we share your data with?

How we protect your data

Sending Personal Data outside the EU

Automated Decision Making and Profiling

Sharing your data with Credit Reference and Fraud Prevention Agencies

Your Rights

Complaints

Data Retention

Cookies Policy

What are cookies?

Information about our use of cookies

Blocking Cookies

Governing Law and Jurisdiction

Enforceability

Everyday Lending Limited, trading as Everyday Loans, of Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS, is the data controller responsible for your personal data. Everyday Lending Limited is part of the Non Standard Finance plc group of companies which includes Everyday Loans Limited, Everyday Lending Limited which trades as both Everyday Loans and Trust Two, George Banco Limited and George Banco.com Limited which trades as George Banco (“ELG”, the “NSF Group”, "we" and "us” as applicable). These companies may share your personal data between them where necessary for administrative purposes, fraud prevention and to undertake work preparatory to entering into an agreement with you.

This notice sets out in clear and plain language our commitment to protecting and respecting your privacy and your data rights as required by the General Data Protection Regulation 2016 (the “GDPR”). If there is anything you do not understand after reading it please contact us using the details you will find below.

Here is where we explain:

  • • What information we may collect and how we may collect it
  • • How and why we may use it
  • • How we keep it secure
  • • Your rights in respect of your personal data

It applies whenever we collect your personal data (including when you use our website or other digital platforms), so please read it carefully.

Please note that this privacy policy forms part of our digital terms of use, which you can read here. By visiting www.everyday-loans.co.uk (“our site”) and continuing to click through you are accepting and consenting to the practices described in this notice We update this policy periodically (it was last updated on 25 May 2018) so feel free to return to this page and read it again from time to time.

In order to operate our business and provide our products to our customers (including guarantors where product appropriate) we gather several different categories of personal data.

Some of this data we gather directly from you either online or via our staff during the loan application process and then afterwards during the term of the loan, some we obtain indirectly by reason of your interactions with us on our website and some from third party sources where you give us permission or it necessary to perform the contract or comply with a legal obligation such as credit references agencies, fraud prevention agencies, other companies within the NSF Group, your bank, any third party you might seek assistance form which contacts us on your behalf.

These categories of personal data include:

  • • Financial and employment data that you provide or we obtain from credit reference agencies or your bank
  • • Personal data about you such as name, D.O.B, address, mobile number and such may include family and relationship information where you have dependents or share your home with people
  • • Transactional data that we obtain during the time you have a contract with us
  • • Technical data we capture from the devices and technology you use to interact with us such as IP addresses
  • • Special types of data that you specifically consent to allow us to use such as data relating to religious or ethnic origin, religious beliefs, genetic and biometric data, health data and data relating to any criminal convictions and offences
  • • Socio-economic data that we gather to perform analyses of you and your account
  • • Marketing preferences - We are required to inform you of the purposes for which we use your personal data, the legal reasons for doing so and, if we rely on a so-called “legitimate interest” as a reason, to tell you what that legitimate interest is. A legitimate interest reason for using your data is one which is justified for a good business or commercial purpose such as marketing.

Why we use your persoanl information

Our reasons

Our legitimate interests

Managing your relationship with us.

Developing new products and service to meet our customers’ needs

Advertising our products and services

Fulfilling contracts.

Legitimate Interests.

Product development.

Informing you about our products and services which we think may interest you

Analysing how our customers use our products and services

Consent.

Asking your consent if we need it to contact you.

Managing our relationships with third parties that provide services to enable us to provide services to you.

Fulfilling contracts.

Our Legitimate interests.

Our Legal Duty.

Effectively fulfilling our legal and contractual duties.

Delivery of our products and services.

Management of customer payments.

Managing interest due on customer accounts.

Collection of money that is owed to us.

Fulfilling contracts.

Our Legitimate interests.

Our Legal Duty.

Effectively fulfilling our legal and contractual duties.

Detection, investigation, reporting, and prevention of financial crime.

To manage risk for us and our customers.

To obey laws and regulations that apply to us.

Complaints handling.

Fulfilling contracts.

Our Legitimate interests.

Our Legal Duty.

Developing methods to prevent financial crime.

Effectively fulfilling our legal and contractual duties.

Effectively operating our business by the management of our financial position, business capability, planning, communications, corporate governance, and audit.

Our Legitimate interests.

Our Legal Duty.

Effectively fulfilling our legal and contractual duties.

If you are the borrower, we will share relevant data with the guarantor (where product appropriate). We may also share your personal data with any member of NSF Group and with the following categories of third party. Any such sharing data will be under a contract requiring compliance with rules protecting your privacy:

  • Business partners who we use to provide support services such as providers of postal or other data processing services.
  • • Agents who we use to perform our contracts.
  • • Collection agencies who we use to collect monies due if you fail to pay us.
  • • Advertisers and advertising networks.
  • • Analytics and search engine providers.
  • • Credit reference agencies.
  • • Fraud prevention agencies.
  • • The Financial Conduct Authority, other regulators and authorities.
  • • Third parties that you ask us to share your personal data with such as your bank or a money advisor.
  • • IT providers.
  • • Price comparison websites and other credit brokers
  • • Companies which we may wish to buy or which might wish to buy us.
  • • Business partners from which we require services such as our banks.

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

There has been an upsurge in email 'phishing' activity, where fraudsters send emails to customers and using an array of deceptions, encourage them to give out sensitive personal banking details. Please note, that we will never ask you to send your personal or security details or update them via email, and if you are ever asked to do so, please call us first. If you have received a phishing email, we advise you to forward the email to phishing@everyday-loans.co.uk and we will investigate it.

IMPORTANT INFORMATION
We need to collect personal data from you for performance of a contract and for compliance with our legal obligations. You may refuse to provide us with your personal data at any time in our relationship because you object to such processing but if you do so we will not be able to provide you with credit or may have to terminate our relationship with you. If you do withdraw consent where we have asked for it this will not invalidate the use of your personal data prior to the withdrawal.

We may send your personal data outside the EU in order to enable us to perform the contract, comply with a legal obligation or where we have a legitimate interest in so doing. Currently we have one data processing relationship outside the EU with a South Africa processor. We ensure data security with this processor by means of a contract. Before we send any personal data to an organisation outside the EU we will make sure it is protected to the same or similar standards as if it was being used within the EU by means of contracts between us and the overseas processor or in reliance on the EU Commission’s finding of that country having adequate data protection provisions in place. If the personal data is processed in the USA we will ensure that the processor is subscribed to the Privacy Shield which establishes common privacy standards between the US and EU.

Prior to any loan (or guarantee) being agreed with you we will use your personal data to make automated decisions. This is done in order to determine whether we wish to enter into a contract with you and to determine your creditworthiness in the quickest, fairest and most legally compliant way using credit scoring and past payment history to predict future performance. We will also monitor your account using automated means for fraud detection and crime prevention purposes.

The automated decision may result in us declining your loan (or guarantee) application altogether or offering a lesser amount than that sought.

We regularly test our credit scoring model to ensure it is working appropriately and accurately.

If you are dissatisfied with the result of this automated processing you have the right to seek an explanation and request a person review the decision.

In order to process your application, we will perform credit and identity checks on you (and any guarantors) with one or more credit reference and fraud prevention agencies (“CR/FPAs”).

To do this, we will supply your personal information to CR/FPAs and they will give us information about you. This will include information from your application and about your financial situation and financial history. CR/FPAs 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
  • • Ensure any offers provided to you are appropriate to your circumstances

We will continue to exchange information about you with CR/FPAs while you have a relationship with us. We will also inform the CR/FPAs about your settled accounts. If you borrow and do not repay in full and on time, CRA/FPs will record the outstanding debt. We will also report the guarantor (where product appropriate) in the event they do not repay the same after we request payment. This information may be supplied to other organisations by CR/FPAs.

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 we notify them of criminal activity on your account they will keep a record of this which may result in other organisations refusing to provide you with services or employment.

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 www.callcredit.co.uk/crain and www.equifax.co.uk/crain and www.experian.co.uk/crain

You have a number of rights in respect of how we use your personal information:

  • • You have to right to withdraw consent at any time and require us to cease any data processing which we are undertaking relying solely on consent.
  • • You have the right to ask us to rectify any inaccuracies in your personal information.
  • • You have the right to ask us to erase or restrict processing of your personal information if it is no longer necessary for us to process in accordance with any contract or legal obligation or legitimate interest.
  • • You have the right to ask us to cease or not to process your personal data for marketing purposes.
  • • Trace and recover debts
  • • You can exercise the above rights by contacting us by post to Data Protection Officer, at Everyday Lending Limited, Secure Trust House, Boston Drive, Bourne End, Bucks SL8 5YS, by telephone on 0330 3033 505 or by email at dpo@everyday-loans.co.uk

If you are dissatisfied about how we have used your personal data you can contact us at complaints@everyday-loans.co.uk Alternatively, you also have the right to complain to the Information Commissioner’s Office although they will ask you whether you have raised the matter with us beforehand. Find out how to report a concern on their website: www.ico.org.uk/concerns

We will process your personal data for either as long as you (or the guarantor) have a contractual relationship with us or you continue to owe us any repayments. If you stop being a customer after repaying your loan in full we will keep your personal data for no longer than 6 years. We do this because we are obliged to hold transactional data for 5 years by law and in order to answer any regulatory inquiries or respond to any complaints during this period.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Our website at www.everyday-loans.co.uk (“our site”) uses cookies to distinguish you from other users of our site. This helps us to provide you with a good experience when you browse our site and also allows us to improve our site.

A cookie is a small file of letters and numbers that we store on your browser of your computer if you agree. We store corresponding information to the one we set in your browser and in this file we can track and keep information on your movements within the site and any information you may have given while visiting the site.

There are two types of cookies: session cookies and persistent cookies. Session cookies are created temporarily in your browser’s subfolder while you are visiting our site. Once you leave the site, the session cookie is deleted. Persistent cookie files remain in your browser’s subfolder for a period of time after you have visited our site. You can find out more about cookies by visiting www.allaboutcookies.org

We use the following session and persistent cookies:

Strictly necessary cookies.

These are cookies that are required for the operation of our site. They include, for example, cookies that enable you complete a loan application form on our site.

Analytical/performance cookies.

They allow us to recognise and count the number of visitors and to see how visitors move around our site when they are using it. This helps us to improve the way our site works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies.

These are used to recognise you when you return to our site. This enables us to personalise our content for you and remember your preferences.

Targeting cookies.

These cookies record your visit to our site, the pages you have visited and the links you have followed. We will use this information to make our site and any advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie name

Purpose

Analytics.js

The analytics.js JavaScript library is part of Universal Analytics and uses first-party cookies to distinguish unique users and throttle the request rate.

ga.js

The ga.js JavaScript library uses first-party cookies to: determine which domain to measure; distinguish unique users; throttle the request rate; remember the number and time of previous visits; remember traffic source information; determine the start and end of a session; and remember the value of visitor-level custom variables.

ga.js

The ga.js JavaScript library uses first-party cookies to: determine which domain to measure; distinguish unique users; throttle the request rate; remember the number and time of previous visits; remember traffic source information; determine the start and end of a session; and remember the value of visitor-level custom variables.

_gat

This cookie enables us to throttle request rates.

_ga

This cookie enables us to distinguish unique users.

_utma

Used to distinguish users and sessions. The cookie is created when the JavaScript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.

_utmb

Used to determine new sessions/visits. The cookie is created when the JavaScript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.

_utmz

Stores the traffic source or campaign that explains how you reached the site. The cookie is created when the JavaScript library executes and is updated every time data is sent to Google Analytics.

_utmv

Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie is also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

_utmx

Used to determine your inclusion in an experiment.

cookies-allowed

Records your response to the cookie acceptance message.

lc_amount

Remembers your selected loan amount from the loan calculator and passes it through to the application form.

lc_term

Remembers your selected loan term from the loan calculator and passes it through to the application form.

seen-disclaimer

Records whether you have the representative APR banner open or closed.

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

This legal notice and privacy policy shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice and privacy policy shall be subject to the non-exclusive jurisdiction of the English courts.

If any part of this website, including the legal notice or privacy statement is found to be unenforceable, the unenforceable part of the provision shall be removed and shall not affect the validity of the remaining terms and conditions of the website.

Aspire Money Limited is a credit broker who offers solutions in the personal finance market. If Everyday Loans cannot assist you with a loan offer, we will assess your application, based upon the information you have or will provide, for suitable financial products.

We will not give you advice or provide you with any personal product recommendation; we will only provide you with loan options from a panel of lenders, where you meet their criteria, from which you can make an informed decision on which is the right loan option for you.

We will not charge you a fee for the service we provide. We will be paid a % of the loan amount as commission from the lender on completion of your loan.

When you provide your personal details to us we use your information for our legitimate business interests to carry out our credit broking services.


Introduction

We are committed to safeguarding and respecting the privacy of your personal data. This Privacy Policy explains what personal data we will collect from you and how we will use it.

This policy applies where we are acting as a data controller with respect to your personal data; in other words, where we determine the purposes and means of the processing of that personal data.

Please read the following information carefully to understand our practices regarding your personal data.

When you provide your personal details to us we use your information for our legitimate business interests to carry out our credit broking services.


Date Published: 20/04/2020

To review, click on each sub section below.

I need to know the details of the Data Controller

Why we collect your personal data?

What is our lawful basis for processing of your personal data?

How we obtain your personal Information?

Categories of data we collect from you

Will we conduct a credit check?

Do we conduct Fraud Prevention and Detection?

Who we share your information with

Will your data be transferred out of the EU, and if so will it be safe?

How long we keep hold of your information?

Will you be subject to automated decision making?

What rights do you have in respect of the personal data we hold about you?

How to contact us should you wish to exercise any of your rights

What happens if you don’t provide your personal details?

I didn’t give you my personal details, so what is its source and what types of personal data are you processing?

About Cookies and Pixels

Amendments to this Privacy Policy

  • • This website is owned and operated by Aspire Money Limited, Citrus Loans which is a trading name of Aspire Money Limited.
  • • We are registered in England under FCA registration number 681346, and our registered office is at Unit 1, Castle Court 2, Castlegate Way, Dudley, West Midlands DY1 4RH
  • • Should you wish to confirm our registration details please click here FCA register
  • • We are also registered with the Information Commissioners Office; under registration number Z1262766. Should you wish to confirm our registration details please click here DPA register

If you would like any further information on this policy, please contact us:

We are a credit broker, and in order to establish your general eligibility against the lenders on our panel product criteria, we will need to collect and process certain categories of your personal data.

We will process the information contained in any enquiry you submit to us regarding our services. This information will be processed for the purposes of providing our services to you which will be finding you a lender to assist you with the loan options you are searching for.

We and the panel of lenders will retain and use the personal data you provide us for statistical analysis and analytics regardless of whether or not you take up a loan with one of the lenders on our panel. Where we do this, we take strict measures to ensure that your personal data cannot be identified.

Activity GDPR Lawful Basis for Processing

Assessing product eligibility

As a credit broker, we match your personal and financial circumstances to the lenders on our panel products and lending criteria. In order to do this, we collect information either directly from you or through an introducer you have approached.
As the first stage in this process, we will assess your general eligibility for the lenders’ products by undertaking a number of checks with credit reference agencies and fraud prevention agencies.
We require your personal information so that we can obtain the options available to you from the lenders on our panel.
It is also in our legitimate interests, when you approach us, to undertake a number of checks to assess your eligibility for a loan against our panel of lenders products.
In some cases, we must undertake these checks to comply with a legal obligation, for example under anti-money laundering regulations.
We have a regulatory obligation to assess whether you will meet the lenders criteria for a loan and to ensure you do not over-commit yourself. Our vulnerability checks are also designed to protect your vital interests.
In carrying out this initial assessment, we may use automated decision systems that enable us to speed up our assessment. However, if we do this, you can ask us to assess your application manually if you wish.
Matching you with a lender on our panel
Once we have completed our own checks, we will assess which lender meets your requirements based on your circumstances.
We do this by using the lenders’ underwriting criteria and the process is very similar to our own checks and includes a soft credit search which is an initial review of your credit history that is held with the credit reference agencies.
At this stage, working on behalf of one or more of the lenders on our panel, we are processing your information because it is necessary for us to assess your application against lenders’ criteria and provide you with any options that are available to you before your application is submitted to the lender.
In carrying out this assessment, we may use automated decision systems based on one or more of the lenders’ underwriting criteria. Again, this speeds up our assessment, but you can ask us to assess your application manually if you would prefer.
Maintaining records of your application
For legal, regulatory and administrative purposes we shall retain your personal information securely on our systems until there is no longer any requirement to retain it.
We have legal and regulatory obligations in respect of identifying fraud, money laundering and financial crime. As a business regulated by the Financial Conduct Authority, we also have regulatory reporting obligations.
We will also retain your information in other circumstances where we have a legitimate basis for doing so, such as record keeping, dealing with any enquiries or complaints from you and internal administration.
Keeping you up-to-date
The lenders on our panel products and services, they have available, will change over time.
We would like to keep in touch with you, whether you have taken out a loan with one of the lenders on our panel, or where we have been unable on this occasion to provide you with any suitable options.
Where you have applied for a loan, we may contact you to keep you up to date with products and services which may be of interest.

It is in our legitimate interests to do this, but of course you can tell us you would prefer us not to contact you by clicking on this link, unsubscribe@aspiremoney.co.uk and providing us with your full name, contact number (s) and postcode, so we can action this for you.

You have the right to opt out, regarding the future processing of your information. Opting out will not affect the lawful basis for processing of your data before you opted out.

In order to do this, please use any of the preferred methods of communication below

There are different ways in which we obtain your data

  • • From our website, if you complete our online application form
  • • If you telephone us to make a loan application
  • • Certain Lenders and Financial Brokers may pass your information to us, should they be unable to assist you with a loan. Please note that if this is the case we will provide you with the identity of these individual firms.

The categories of data that we collect are as follows:

  • • Collecting and recording details about any health issues you may have which may affect your understanding of our application process. Our vulnerability checks are designed to protect your vital interests.
  • • Loan amount you require
  • • Your name and date of birth
  • • Partner name and date of birth (should you request a joint application)
  • • Address Details
  • • Employment Details
  • • Partner Employment Details (should you request a joint application)
  • • Mortgage Details or Tenancy Details
  • • Bank Details
  • • Other Income & Expenditure you might incur
  • • Your Financial Status I.e. Bankruptcy, Defaults & Missed Credit Payments, Count Court Judgements, Individual Voluntary Arrangement and Debt Management Plan

In order to process your application, we will perform a soft credit check on you with one or more Credit Reference Agencies (“CRAs”).

To do this, we will supply your personal information to CRAs and they will give us information about you. The information we will supply to the Credit Reference Agency will include information from your 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.

The information which we and other organisations provide to the credit reference and fraud prevention agencies may be supplied by credit reference agencies to other organisations and used by them to perform similar checks.

If you are making a joint application or tell us that you have a spouse or financial partner, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before completing the application.

Soft credit searches are not visible to other companies so it has no impact on your credit rating or any future applications you may make. We will use this information to:

  • • Assess your application against our panel of lenders criteria;
  • • Verify the accuracy of the data you have provided to us;
  • • Prevent criminal activity, detect fraud and money laundering;
  • • Ensure any options provided to you are appropriate to your circumstances.


We have included definitions to Soft and Hard credit searches below, to help you understand how these work

What is a Soft Credit search?

Not every instance of your credit report being checked by a lender will result in a visible ‘footprint’ being left on your report. There is such a thing as a ‘soft credit search’ or a ‘soft credit check’, which is recorded in your credit history, but is not visible to other lenders. This includes things such as identity checks and quotations, where a company confirms the details you have provided are correct when offering you a quote.

What is a Hard Credit Search?

Hard searches are initiated when you make a formal application to a credit product, like a credit card, loan, or mortgage. Hard searches provide the lender with full access to your credit report so they can make an informed decision regarding your application. Each formal credit application you make will initiate a hard search that will show on your credit report for a year. Too many of these marks in a short period of time can reduce your credit score and scare off potential lenders, as too many credit applications in a short period of time may be a sign you are struggling financially.

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 which is accessible from each of the three CRAs.

The credit reference agencies used by us and our panel of lenders are Experian, Call Credit and Equifax.

Clicking on any of these three links will also take you to the Credit Reference Agency Information (CRAIN) document:

1. Callcredit: www.callcredit.co.uk/crain
2. Equifax: www.equifax.co.uk/crain
3. Experian: www.experian.co.uk/crain

We may make searches of records held at fraud prevention agencies. If you give us false or inaccurate information and we confirm fraud, we will record this and may pass this information to fraud prevention agencies and other organisations to prevent fraud and money laundering. Law enforcement agencies may access and use this information.

We share personal data for crime and fraud prevention and the apprehension and prosecution of offenders.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

The information which we, other organisations and fraud prevention agencies provide to the credit reference and fraud prevention agencies about you and your financial associates may be supplied by the credit reference and fraud prevention agencies to other organisations and used by us and them for example to:

  • • Prevent fraud and money laundering,
  • • Verify your identity if you or your financial associate applies for other facilities including all types of insurance applications and claims,
  • • Assist other organisations to make decisions on credit and credit related services or other facilities,
  • • Trace your whereabouts and recover debts that you owe,
  • • Managing credit and credit related accounts and other facilities; and
  • • Undertake statistical analysis and system testing.
  • • Checking details on applications for credit and credit related accounts or other facilities.
  • • Checking details of job applicants and employees.

[a] The panel of Lenders and specialist companies we work with

We work closely with various lenders and specialist companies to bring you a range of products and services designed to meet your needs. When you enquire about one or more of these products, the relevant lender/company will use your details to provide you with information and carry out their obligations arising from any application or contract you have entered into with them. These companies will be acting as a data controller of your information and therefore we advise you to read their Privacy Policy. These companies may share your information with us which we will use in accordance with this Privacy Policy

Please see below a list of companies that we may share your information with

New Day – Credit Card Provider George Banco Shawbrook
Hitachi Everyday Lending Limited Besavvi
Bamboo Finance Amigo Loans Dot Dot Loans
Trust Two Lifestyle Loans One Plus One
First Stop Credit Spring TM Advances
Likely Loans Sunny Loans Credit Plus
Savvy.co.uk Carfinance 247 UK Credit
Safety Net Credit Tappily My Community Finance
Just Us

[b] Service Providers

We may provide your personal information to anyone who hosts or maintains data centres, service platforms and other infrastructure and systems on behalf of us, where your personal information is processed and/or stored;

Except as described above, we will not disclose your personal information to Third Parties, without your consent.

Please be reassured that we will not release your information to third parties beyond our firm and its trading styles for them to use for their own direct marketing purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime.

Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to data.

We may transfer your personal information to a third party as part of a sale of some or all of our business and assets to any third party or as part of any business restructuring or re-organisation.

We may also disclose personal information about you to the extent required by Law, Court Order, by Government order or decree.

However, we will take steps with the aim of ensuring that your privacy rights continue to be protected.

The below table shows the list of Service providers that we will provide your personal information to

Iomart Hosting (Titan) Connex One

As part of the services offered to you through this website, the information which you provide to us may be transferred to lenders in countries outside the European Union (“EU”).

If we transfer your information outside of the EU in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that your privacy rights continue to be protected as outlined in this Policy.

Your data will be processed at our call centre based in South Africa.

If we process your information outside of the EU in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that your privacy rights continue to be protected as outlined in this Policy.

By submitting your personal data, you’re agreeing to this transfer, storing or processing of your data.

[a] Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

[b] Personal data categories will be retained for a minimum period of 12 months following the date of your enquiry, and for a maximum period of 6 years following the date of your enquiry.

We may use automated decision systems once your loan application is submitted to us. This is done in an effort to ensure that we are able to assess your eligibility for a loan against our panel of lenders criteria and ultimately provide you with the loan options available for you to consider.

Your principal rights under data protection law are:

[1] the right to access your information

[2] the right to rectification

[3] the right to erasure where records are no longer required

[4] the right to object to Processing where this use is based on our legitimate interests

[5] the right to restrict processing

[6] the right to complain to a supervisory authority


[1] The right to access your information

You have the right to confirmation as to whether or not we process your personal data and, where we do, access to that personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, at your request, we will supply to you a copy of your personal data. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.

If your information has been passed over to our panel of lender/s you will need to contact them requesting the information they will hold about you.

[2] The right to rectification

You have the right to have any inaccurate personal data that we hold about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.

If your information has been passed over to lender(s) on our panel you will need to contact them requesting them to correct any inaccurate information they may hold about you.

[3] The right to erasure, where records are no longer required

In some circumstances you have the right to the erasure of your personal data without undue delay.

Those circumstances include:

  • • the personal data that we hold is no longer necessary in relation to the purposes for which it was collected or otherwise processed;
  • • you object to the processing under certain rules of applicable data protection law;
  • • the processing is for direct marketing purposes;
  • • the personal data have been unlawfully processed

However, there are exclusions of the right to erasure.

The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims.

If your information has been passed over to lender(s) on our panel you will need to contact them requesting to exercise your right to erasure, regarding the information they hold about you.

[4] the right to object to Processing where this use is based on our legitimate interests

To the extent that we may contact you to keep you up to date with services that may be of interest to you and this is based on our legitimate interests to do so, you have the right to unsubscribe to this service at any time. Opting out of this will not affect the lawful basis for processing of your data before you opted out.

This does not automatically mean that we need to erase your personal data, and in most cases, it will be preferable to suppress your details. Suppression involves retaining just enough information about you to ensure that your preference not to receive future communications on products or services is respected.

If your information has been passed over to lender(s) on our panel you will need to contact them requesting to exercise your rights to object to any processing, regarding the information they hold about you and any other consent you may have provided to them over the use of your information.

[5] The right to restrict processing

In some circumstances you have the right to restrict the processing of your personal data.

Those circumstances are:

  • • you contest the accuracy of the personal data;
  • • processing is unlawful but you oppose erasure;
  • • we no longer need the personal data for the purposes of our processing, but we require personal data for the establishment, exercise or defence of legal claims;
  • • you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data.

However, we will only otherwise process it, for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.

If your information has been passed over to lender(s) on our panel you will need to contact them requesting to exercise your right to restrict processing, regarding the information they hold about you.

[6] The right to complain to a supervisory authority

If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection, the Information Commissioners office.

Information Commissioners Office Contact Details

You can call their helpline on 0303 123 1113 (local rate – calls to this number cost the same as calls to 01 or 02 numbers).

We would welcome the opportunity to investigate any complaint you have, you can do this by:-

You may exercise any of your rights in relation to your personal data by specifying the details of your request to:

In order to process your loan enquiry, we will require you to complete our online loan application, or telephone our contact centre and complete an application with one of our consultants. We require this information to assist you in finding you loan options. If you do not provide us with this information, we will be unable to carry out our services to you as a credit broker.

To find out what personal data we require from you please click here

Categories of data we collect from you

We may receive information about you if you use any of our other websites i.e. Citrus Loans which is which a Trading name of Aspire Money Limited.

We also work closely with third parties for example other Credit Brokers, Business partners and Lenders who you may have contacted you to assist you with your loan enquiry. These third-party companies may have been unable to assist you with your enquiry and may have noticed that we could possibly assist you, in this case they will have passed your information to us, ensuring that you have been informed and have agreed to your information been processed in this way.

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

Like many other websites, this website uses cookies. 'Cookies' are small pieces of information sent by an organisation to your computer and stored on your hard drive to allow that website to recognise you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual. For example, we use cookies to store your preferences, and to record session information, such as length of visit. Depending on the type of cookie we use, cookies also allow us to make our web site more user friendly, for example, permanent cookies allow us to save your password so that you do not have to re-enter it every time you visit our web site.). This helps us to improve our website and deliver a better more personalised service.

Below is a table of information which lists all cookies used on our website.

Owner Cookie

Cookie Name

Cookie Description

Google Analytics

_utma

A Google Analytics cookie, which keeps track of the number of times, a visitor has been to the site, when their first visit was, and when their last visit occurred.

Google Analytics

_utmb

A Google Analytics cookie, which creates a timestamp of the exact moment when a visitor enters a site.

Google Analytics

_utmc

A Google Analytics cookie, which creates a timestamp of the exact moment when a visitor leaves the site.

Google Analytics

_utmv

Used for reporting in Google Analytics classifying the visitor.

Google Analytics

_utmz

A Google Analytics cookie which tracks where the visitor came from, what search engine was used, what link was clicked on, what keywords used, and where in the world the site was accessed from.


Information regarding the use of Pixels

The pixels used, are not set up to collect personally identifiable data such as names, email addresses. As such the pixel tag can’t be used to track anything back to an individual.

Third party media owner pixels – e.g. DBM, Quantcast etc

We have some of these pixels on our site, and these are used for the following techniques:

  • • Building an audience (retargeting, lookalike, exclusions)
  • • Optimising
  • • To model the data
  • • Reporting

We may update this policy from time to time by publishing a new version on our website.

You should check this page occasionally to ensure you are happy with any changes to this policy.

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