Loan Application Terms and Conditions
When Applying on www.anytypeofloan.co.uk you are agreeing with the following disclaimer and our Privacy Policy below:
You are confirming that the information you have given is correct. In applying for a loan, our lenders will use credit-scoring or other automated systems to assess your application and verify your identity. They will search your records through credit reference agencies who will supply credit information as well as information from the Electoral Register. They will always record details of this search. We and other companies may use these records and other information to make credit and insurance related decisions about you, and help manage your account. The records may also be used to make credit decisions about your current spouse, partner or any other individual identified as being financially associated with you. www.anytypeofloan.co.uk will also complete a credit reference check on the applicant and the guarantor under licence from a lender and we will also check your details with fraud prevention agencies. By submitting our enquiry form you are agreeing to us credit scoring you (and your guarantor if you have provided details).
Should you provide false or inaccurate information and we suspect fraud, this will recorded and the information may be used by law enforcement agencies. Our Lenders and other organisations may use these records and information recorded by fraud prevention agencies in other countries to prevent fraud and money laundering. We may record, use, exchange, analyse and assess information held about you and your relationship with us. We may use this information to give you information by fax, mail, email, text message, mms or other form of electronic communication about products and services that may be of interest to you. Some lenders or agencies will transfer your data out of the UK to their servers and computer systems held offshore and you consent to your data being used by any third party company whether they process your data in the UK or abroad. We may also pass this information to other selected businesses who may contact you directly about services and products that may be of interest to you. If you do not want to receive marketing material from us please contact us using the address on our contact page.
WE CANNOT PROVIDE YOU WITH A LOAN IF YOU ARE IN A DEBT MANAGEMENT PLAN OR IVA. Whilst we may have completed all the checks on your application that we feel neccessary, our lender panel may also want to make their own checks and it is down to their discretion if they do decide to do so.
Privacy Policy for www.anytypeofloan.co.uk
If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at enquiries @anytypeofloan.co.uk.
At www.anytypeofloan.co.uk, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by www.anytypeofloan.co.uk and how it is used.
Log Files
Like many other Web sites, www.anytypeofloan.co.uk makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
www.anytypeofloan.co.uk does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.
DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on www.anytypeofloan.co.uk.
.:: Google’s use of the DART cookie enables it to serve ads to users based on their visit to www.anytypeofloan.co.uk and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html
Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ….
Google Adsense
These third-party ad servers or ad networks use technology to the advertisements and links that appear on www.anytypeofloan.co.uk send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.
www.anytypeofloan.co.uk has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. www.anytypeofloan.co.uk’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.Disclosure and use of your information
Our Privacy Policy is designed to assist you in understanding how we collect and use the personal information you provide us and help you in making informed decisions when using our site, our products and services.
www.anytypeofloan.co.uk receives, holds and processes information relating to individuals (“personal data”) in accordance with the Data Protection Act 1998 (“DPA98″). In doing so, www.anytypeofloan.co.uk is committed to maintaining the privacy and protection of all personal data collected in pursuance of its broker and loan services. For your protection, we are registered under the Data Protection Act 1998 and our appropriate notifications can be viewed on the Information Commissioners Web Site.
What information do you collect?
www.anytypeofloan.co.uk will collect and process your personal data in order to provide you with a loan broker service. As a credit broker we will use your personal data provided on your completed application form to carry out the following functions:
* Process the application you have made
* Provide your information to a lender or lenders who we feel may be willing to lend to you
* Provide your information to a credit reference agency for searches to be made
* Complete the credit agreement on behalf of the lender
* Pass your application in its entirety to an alternative broker if www.anytypeofloan.co.uk cannot assist in brokering you a loan. If you do not agree with this action then you must write to us at: Innovation House, Power Road, Bromborough, Wirral. CH62 3QT stating clearly your intention that you do not wish for your details to be passed to another broker, lender or marketing firm.
We may also use your information to:
* Offer you other products or services which we feel may be of interest to you. At a minimum we will always give you the opportunity to opt out of receiving such offers
* Enable us to pass your details to another broker with a view to them offering you products or services they feel may be of interest to you. If you do not agree with this action then you must write to us at: Innovation House, Power Road, Bromborough, Wirral. CH62 3QT stating clearly your intention that you do not wish for your details to be passed to another broker, lender or marketing firm.
* Permit access to your information by any regulatory authority where required to by law and to ensure that we are complying with all regulatory requirements when processing your data
* Conduct market analysis by passing your details to an external market analyst company who will use your information solely for that purpose.
Lending companies
Lenders to whom the application is passed will make wider use of the information than a broker. If you have received any lender documents, they should include a statement telling you what they will do with the information, or telling you where to look to find out what use they will make of it. This statement will usually be near any signature box, or clearly placed on the front page. If the information is not by the signature box there may be an “information padlock” sign drawing your attention to where the information is. Loans are always granted at the discretion of the lending company.
Credit reference agencies
We and almost all lending companies will check the information supplied on loan applications with data held by Credit Reference Agencies. The Credit Reference Agency will keep a record of any searches and any other lenders may use it to assess applications from you in the future.
Information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records. If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise the broker and any lender involved in the application to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.
If the lender we place you with is unable to accept your application we may pass your details to other suitable companies. These companies may also search your records at Credit Reference Agencies.
While assessing your application we may use credit scoring or other automated processes and the details of your application may be used to assess financial risk and assist with fraud prevention and tracing.
If you wish to see the information contained on a Credit Reference Agency file you can do so by writing to the relevant agency. The agency must respond within 7 working days. There is a small fee of around £2 required. If your credit reference file contains information about other people with whom you have no financial connection or if it contains information which is incorrect you can ask for the entry to be corrected, removed, or have a note put on the file explaining why you think the information is wrong. The agency will not remove correct information.
The Credit Reference Agencies are:
Experian Limited
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
Equifax plc
Credit File Advice Service
PO Box 3001
Glasgow
G81 2DT
Callcredit plc
The Information Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions you may take to amend a file. You can obtain a copy of the free leaflet by writing to:
No Credit Leaflet
P.O. Box 99
Nelson
BB9 8GS
Email information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses.
Cookies or website information
Similar to other commercial Web Sites, Our Web Site uses a standard technology called ‘cookies’. A cookie is a small text document which often includes an anonymous unique identifier.
When you enter Our Web Site, We use cookies to differentiate you from other users. This helps us to constantly improve Our Web Site, to better serve our customers and to store and track information about you In order to tell you about services or products which might be of interest to you.
Right of subject access
If you wish to obtain a copy of the personal data we hold on you please write to:
The Compliance Department, www.anytypeofloan.co.uk, Innovation House, Power Road, Bromborough, Wirral. CH62 3QT
enclosing a payment of £10 for our administration costs. As soon as we are satisfied as to your identity we will send you, within 40 days, a copy of all the data we hold concerning you. Please contact us at the same address if you have any reason to believe the data we hold on you is inaccurate.
Call recording
Calls to Our offices may be recorded and monitored; this is for our protection and yours. Calls are used for training and monitoring purposes and may be used in the unlikely event of a complaint.
Right to object
The data subject shall have a right to object at any time on legitimate grounds in relation to the processing of his or her personal data by www.anytypeofloan.co.uk.
Security of processing
www.anytypeofloan.co.uk shall implement technical and organisational measures to protect personal data against accidental or unlawful destruction, or accidental loss or alteration, unauthorised disclosure or access (in particular where the process involves transmission of personal data over a network) and against all other unlawful forms of processing.
Outsourcing to a data processor
Where personal data has been outsourced to a third party, such outsourcing shall be undertaken in line with a written agreement between www.anytypeofloan.co.uk and the third party in question and shall specify the rights and obligation of each party and in particular shall state that the third party shall have adequate security measures in place and shall only process personal data on the specific written instructions of www.anytypeofloan.co.uk.
Paula Harrison t/a Any type of Loan
