We (Digitonomy Limited) are a credit broker, authorised and regulated by the Financial Conduct Authority (FRN 690249). Loans-Hub is one of our trading styles, and we host this website. We are based in Chester, and our registered office is at the Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Our registered company number is 08385135. We are registered with the Information Commissioner's Office with registration number ZA007309.
The purpose of this privacy policy is to give you a clear explanation about how we use the personal information we collect from you when you use one of our websites to find a financial product or service. It is important that you read it in full to understand the information we need to collect from you, how we will use it and how you can access, update and delete your personal information. It should be read together with our Terms and Conditions.
If you click on a link that takes you to a third-party website that is not ours, we will not be responsible for how they use your personal information. You should read their privacy policy to understand how they may use your personal information. This privacy policy only explains how we will process your personal information.
“Personal information” in this policy means any information that we collect that could identify you such as for e.g. your name, address and online identifiers like your IP address.
When you ask us to search for a financial service or product, we will use the personal information you give us in the different ways described below to deliver “Our Service.”
We collect personal information from you in the following ways:
4.1 Information you give us:
4.2 Information we collect from you:
Automated technologies or interactions. As you interact with our website, we may automatically collect technical data about your equipment, browsing actions and patterns. We collect this personal information by using cookies, server logs and other similar technologies. Please see our cookie policy for further details.
4.3 Information we receive from third parties:
In order to provide Our Service, we need to collect the following personal information about you:
We collect your personal information in the following ways:
We can only use your personal information where it falls into one or more of the following categories:
Marketing: we will only contact you in response to a request or communication from you, where we have your consent. We will not send unsolicited marketing communications to you about any other types of products or services.
Third-party marketing: we will not share your personal information with any company outside our company for their marketing purposes.
Cookies: you can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see our cookie policy.
Change of purpose: we will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.
If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
We have set out below, in a table format, a description of the ways your personal information could be used by us, and which of the legal bases we rely on to do so. Note that we may process your personal information for more than one lawful ground depending on the specific purpose for which we are using your information.
Please contact us if you need details about the specific legal ground we are relying on to process your personal information where more than one ground has been set out in the table below.
Purpose/Activity |
Type of data |
Lawful basis for processing including basis of legitimate interest |
---|---|---|
To enable you to: • Use Our Service, and • Be matched with the most appropriate Partner(s) on our panel, we will carry out a soft search of your credit file before sharing your personal information with our Partner(s). |
(a) Identity (b) Contact (c) Employment (d) CRA (e) General
|
Necessary for our legitimate interests (to operate and improve our business) by helping you to find the product or service you are using Our Service to find. Necessary for our legitimate interests (to operate and improve our business) by transferring you directly to alternative firms who provide services such as credit builder tools where we are unable to find the product or service you were originally using our website to find. |
To assess your eligibility for a product or service. For example, if you are enquiring about a loan, you will be able to use our Smart Check tool to assess your chance of being accepted for a loan. |
(a) Identity (b) Contact (c) Financial (d) Employment (e) CRA (f) General
|
Necessary for our legitimate interests (to operate our business in providing and improving Our Service.) |
To enable us to communicate with you:
(a) About your enquiry by emailing or texting your results to you, and/or confirming any “next steps”) using the contact details you have given to us. (b) About other products and services that we think you might be interested in where you have given us your consent to do so. (b) About any enquiries or complaints, you may have. (c) To ask you to complete a survey or provide us with feedback, testimonials or reviews. |
(a) Identity (b) Contact (c) Marketing and communications information |
(a) Necessary for our legitimate interests (to operate our business in providing and improving Our Service, by remaining in contact with you about your enquiry and our similar products and services.) (b) Necessary to comply with a legal obligation (c) Consent
|
To enable our Partner to contact you by telephone, email and/or text message to complete your application. |
(a) Identity (b) contact |
Necessary for the legitimate interests of our Partner |
To enable us to present you with advertisements about the products and services we provide that we believe will be relevant to you and that you will be interested in, we may use your personal information to create a profile of you and your circumstances. These advertisements may be sent directly from us (unless you have asked us not to), or be presented to you via TV, radio, out of home advertising, digital advertising networks and social media companies such as Facebook, Google and Snapchat for example. We believe we have a legitimate interest to profile your personal information in this way. However, you have the right to object if you do not want us to do this. In this case, please contact us by writing to the Customer Support Manager at Digitonomy Limited, Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN, to tell us that you do not want your personal information to be used in this way.
|
(a) Identity (b) Contact (c) Financial (d) Marketing and communications information (e) Technical information |
Necessary for our legitimate interests to provide you with advertisements relating to Our Service via TV, radio, out-of-home advertising, digital advertising networks and social media companies. |
To enable us to improve Our Service and share information with credit reference agencies (“CRAs”) so that we can analyse patterns and trends that will help us to identify the most relevant product or service for you, and improve our ability to show you relevant adverts at the right time.
|
(a) Identity (b) Contact (c) Financial (d) Employment (e) General (f) Marketing and communications information |
Necessary for our legitimate interests (to provide you with the most appropriate product or service for your needs and to provide you with relevant adverts). |
To manage our relationship with you which will include: (a) Notifying you about changes to our terms or privacy policy (b) Asking you to leave a review or take a survey
|
(a) Identity (b) Contact (c) Marketing and communications information |
(a) Necessary to comply with a legal obligation (b) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services) |
To administer, improve and protect our business and this website (including training, troubleshooting, data analysis, testing, system maintenance, research, support, reporting and hosting of data) |
(a) Identity (b) Contact (c) Technical information |
(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) (b) Necessary to comply with a legal obligation |
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences |
(a) Identity (b) Contact (c) Technical information |
Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to improve our marketing strategy) |
Unless required by law to keep your personal information for a different period of time, we will keep it for no longer than 12 months from the date you last used Our Service or until you ask us to delete it. Please note that if you ask us to delete your personal information it may still remain on our backup systems for legal or other regulatory reasons.
When you use Our Service, your information will be shared with the following third parties:
These third parties help us to provide Our Service. In order that they can do this, we may need to let them process your personal information. We will make sure that they keep the information secure and in accordance with our instructions, the UK General Data Protection Regulation 2016 (“UK GDPR”) and other UK privacy legislation.
We will also share your personal information when we have your consent, or where we are obliged to do so for a legal or regulatory reason, for e.g. to prevent or detect crime, for compliance monitoring or to enforce or apply our Terms & Conditions and other agreements.
Finally, we may also share your personal information with any third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal information in the same way as set out in this privacy policy.
An automated decision is one where a computer or system is used to assess the information you provide to make a decision about you. We do not make automated decisions about you; however, Our Partners may do this when we share your personal information with them so that they can make an assessment of your eligibility for Our Service. An example of this is the soft search that Our Partners will carry out upon you if you make an application for a loan.
(Note: a “soft” credit search helps Our Partner to decide whether or not they may be able to lend money to you. Unlike a “hard” credit search, a soft search is recorded on your credit file, but only you rather than any other lender will be able to see it. A soft search does not therefore affect your credit rating.)
As a result, you have the right to ask Our Partners that they do not make a final decision based solely on automated means. You can also object to the automated decision and ask that a person reviews it. If you ask us, we can tell you which of Our Partners has made an automated decision about you. To exercise this right, you will then need to contact Our Partners directly.
Although we do not routinely transfer personal information outside the UK, we may sometimes need to do this where any of Our Partners or third-party suppliers are either based outside the EEA, or where they use data processors based outside the EEA. Where this is the case, we will make sure that they agree to: keep your personal information 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 Our Service. We will do this by putting in place appropriate safeguards and protections as stated under UK law, for example using a data-transfer agreement incorporating certain standard model protection clauses.
We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
We want you to be confident that we are handling your personal information responsibly and in line with good practice. If you are concerned that we are not doing this, you should contact us immediately. We will treat your concern seriously and work with you to try and resolve it.
Please address your correspondence to:
The Data Protection Officer
Digitonomy Limited
The Steam Mill Business Centre
Steam Mill Street
Chester
CH3 5AN
When using this website, some information may be collected automatically using cookies or other similar technologies. The information that may be collected includes your IP address, operating system and browser type, in order for us to learn aggregate information. This is never used to identify any individual, but does allow us to present you with a consistent experience when using our website. With your consent, we may also use cookies for advertising and marketing purposes.
Whilst we cannot control adverts you may see on other websites and in your social media feeds, you are free to opt-out of or change your settings regarding ad personalisation at any time, by going to your Google Ads Preferences Manager or Facebook Ad Preferences
You can disable delete or block cookies at any time on your device. If you wish to do this, you will need to use your internet browser settings as they each have their own way of allowing you to access and control these settings.
For more information about our use of cookies and how to disable them in your internet browser you can read our Cookie Policy here
Any changes we may make to our privacy policy in the future will be posted on this page.
Please check back frequently to see any updates or changes to our privacy policy. However, if any significant change that we make affects the way that we are able to use your personal information (meaning that it would be unlawful for us to continue to use it), then we will do our best to communicate this to you.
Last updated 8 December 2021