Digitonomy Limited host the Loans-Hub website (the 'Website') and will collect information, including personal data you provide through the website. Any information that you submit through the Website will then be shared securely with our trusted panel of lenders and credit brokers ('Our Partners') to help you find the financial product that you have expressed an interest in applying for. You may then be contacted by telephone, email, SMS or automated message using the information you have provided.
1.1 We may collect and process the following data about you:
2.1 Loans-Hub uses industry standard security measures to ensure the security of all data. Any data that is stored on Loans-Hub secure servers is treated as proprietary and confidential and is not available to the public. Loans-Hub has an internal security policy with respect to the confidentiality of personal data, allowing access only to those employees or third parties who have a need to know such information for the purpose of effectively delivering Loans-Hub products and services by means of user login and password requirements. Loans-Hub routinely evaluates its data security practices to identify security threats or opportunities for improvement.
2.2 No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of Loans-Hub to intercept or access transmissions or private communications unlawfully. While we strive to protect your data and have taken all possible measures to do so, Loans-Hub cannot completely ensure or warrant the security of any information you transmit to us.
2.3 Please note that we'll keep information about you securely stored only for as long as we're allowed to for legal, regulatory and legitimate business purposes.
3.1 We use information held about you to:
3.2 If you would like to opt-out of receipt of marketing communications from us at any time you may do so by sending an email by clicking here or by writing to us at Loans-Hub, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN.
3.3 If you opt-out of our use of your data for marketing purposes, we will honour this once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry.
3.4 If you have provided us with consent to pass your details onto our carefully chosen third party marketing partners, then they may use your data, to provide you with information about products and services which they think may be of interest to you. They may contact you about these products and services by post, e-mail, telephone and/or text message. If you want to opt-out of continuing to receive such marketing communications, you should contact that third party directly.
Although we do not routinely transfer personal information outside the European Economic Area (EEA), we may be required to transfer your personal data to any of Our Partners or suppliers if they are based outside of the EEA. Where this is the case, we will make sure that they agree to: keep it secure; apply the same levels of protection as we are required to apply to information held in the UK, and to use it only for the purpose of providing the service to us. By submitting your personal data, you agree to this transfer, storing or processing.
5.1 We may disclose your personal information to third parties:
6.1 Our Website may, from time to time, contain links to and from the websites of Our Partners. 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.
6.2 Section 7 of the Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act by writing to us at Loans-Hub, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Any access request may be subject to a small statutory fee to meet our costs in providing you with details of the information we hold about you.
6.3 If you were introduced to us by a third party, we will give them your contact details and sufficient information about you for their accounting and administration purposes.
6.4 Loans-Hub will attempt to resolve any complaint that you may have in relation to data protection issues. In the alternative, or if you are not happy with our final response you have the right to have your complaint dealt with by the ICO.
7.1 When you submit an application form you confirm that all the information you have given is true and complete. When you submit an application form you authorise Our Partners to check the following records about you and others:
7.2 Our Partners will make checks such as are deemed necessary to assess your application for credit.
7.3 If you tell us that you have a spouse or financial associate, Our Partners will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs 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.
7.4 If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
7.5 Law enforcement agencies may access and use this information.
7.6 We and other organisations including Our Partners may also access and use this information to prevent fraud and money laundering, for example, when:
7.7 We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
8.1 A 'cookie' is a small electronic file that collects information when someone visits a website. A cookie can identify the pages that are being viewed, and this can assist us to select the pages that the viewer sees. Some cookies only exist whilst viewers are online, but 'persistent' cookies - which are not session-based - remain on the viewer's computer, so that he or she can be recognised as a previous visitor when he or she next visits our Website. This allows us to collect information about a viewer's browsing habits whilst on our Website, and this can be useful in assisting us to monitor and improve our services.
8.2 We do not store sensitive information such as account numbers or passwords in 'persistent' cookies, and cookies in themselves, do not contain enough information to identify you. You will only acquire a personal identity in relation to your browsing habits after you have formally provided us with your personal data for the purposes outlined below.
8.3 In addition to using cookies, we might also use web tools to collect information about your browsing activities whilst on our Website. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purposes.
8.4 Any information that we acquire about you using cookies or web tools is subject to the same restrictions and conditions as any other information we collect about you.
8.6 If you want to delete any cookies already stored on your computer or stop the cookies that keep track of your browsing patterns on the Website, you can do so by deleting your existing cookies and/or altering your browser's privacy settings to block third party cookies (the process you follow will differ from browser to browser). Please note that deleting our cookies or disabling our future cookies means that you may not be able to access certain areas or features of the Website.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.