Privacy Policy
Introduction
No Credit Check Loans Arranged is a trading style of Interfinancial Limited, an online loans broker. Our address is Dixcart House, Sir William Place, St. Peter Port, Guernsey GY1 1GX.
We take our obligations under the Data Protection Act 1998 and all related regulations ("the Act") very seriously and have taken steps to ensure compliance with the provisions of the Act.
This Privacy Policy sets out the principles governing our use of your Personal Data.
By using the Site generally, you agree to the principles set out below. Defined terms in this Privacy Policy have the same meanings as in the Act.
Please read the following policy to understand how we will treat your personal data when you use our site. If this policy changes then we will let you know via our homepage but we assure you that we only use your data as specified here and for our legitimate business reasons.
How do we collect data?
We can collect data on you from in variety of different ways.
- When you request a quote or complete (or partially complete) a loan application form on the site;
- When you become a subscriber;
- When you speak to our customer services personnel;
- Via implicit data capture measures such as studying which pages you read the most and the use of cookies;
In any of the above cases the data we collect could be personal data.
What do we do with your personal information?
When you apply via the site, we may need to collect information about you to process the transaction, fulfil your order and provide you with the services you expect. This information may include, but is not limited to, details such as your name, your address and your email address.
Unless we have your express consent we will only disclose personal data to third parties if this is required for the purpose of providing you with your loan. This is of course subject to the proviso that we may disclose your data to certain permitted third parties, such as members of our own group, our own professional advisers who are bound by confidentiality codes, to help process and administer any loan that you require and when we are legally obliged to disclose your data.
Interfinancial Limited retains and uses your personal information to provide you with the best online e-commerce experience by providing you with a personalised service and to give you details of offers which we think will be of interest to you. We may also use the information to process any transactions you undertake with us and for internal administration and analysis.
We do not sell, rent or trade your personal information to third parties for marketing purposes without your express consent.
Data
In the UK we operate and are registered in accordance with applicable data protection legislation. Interfinancial Limited conforms to the requirements of the Data Protection Act, 1998. ("The Act")
DATA PROTECTION ACT 1998
By providing us with your personal information on our website or in the course of using our services, you consent to the transfer of your Personal Data and Sensitive Personal Data, and any other data we acquire about you from third-party service providers in the process of evaluating you for a loan, to companies outside the EU, including but not limited to, other consumer credit lenders and their affiliates.
As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reference agency, and fraud prevention agencies for information on all named person(s) on the application or enquiry. The information provided by the credit reference and fraud prevention agencies will be used to help make credit ie credit related decisions, to verify identity, for the prevention and detection of fraud and/or money laundering, and to manage accounts.
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Interfinancial Limited ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us. I/we also confirm that you have my/our permission to pass my/our details to more than one lender/broker to find me/us the best possible rate for my/our circumstances. I/we agree that You and any lender or broker partner resulting from this application (the "Lender or Broker") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-
i providing the information to and searching the files of one or more licensed credit reference agencies (such agencies will keep a record of such search to confirm the information and for the purposes of credit assessment or account administration).
ii To disclose the information to credit reference agencies when requested by them for consideration of any future applications for finance made by you or members of your household/family or for fraud prevention and/or tracing debtors - the agencies may also disclose your information to other lenders for these purposes.
iii To disclose the information to any of our broker partners and/or to other potential lenders/mortgagors and/or to mortgage brokers or third parties (e.g. debt counsellors and insurers) for the purposes of assessing your application, and administering and enforcing any subsequent loan which may be granted.
iv Disclosing the data to any third party who replaces Interfinancial Limited in its capacity as a broker.
v To contact you or any other person referred to by you in connection to the application or enquiry you have made. You are, of course, under no obligation to apply for any of the products or services offered
You also agree that we may disclose your information to:
i A lender or lenders in accordance with your application.
ii Other brokers if we are unable to arrange finance for you.
iii Other carefully selected product suppliers in the future with a view to them offering you products they feel may be of interest to you.
iv Any regulatory bodies to ensure we are processing information correctly and complying with regulatory requirements.
v Other legal authorities if required by law.
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee of £5.
Consent
By disclosing your personal information to us using this website or over the telephone, you consent to the collection, storage and processing of your personal information by Interfinancial Limited in the manner set out in this Privacy Policy.
Change/Modify Details
To change your e-mail address details send an e-mail with your correct details to: contact@nocreditcheckloansarranged.co.uk
If you need to modify or change your personal details after you have made an application on the site please e-mail us at contact@nocreditcheckloansarranged.co.uk as soon as possible.
Contact
If you have any questions or concerns about the information we hold about you, you can also email us at
contact@nocreditcheckloansarranged.co.uk or call us on 01227 647030