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Privacy Policy

Our obligation to you about your personal details

We will handle all your personal details as completely confidential and will not present them to any third party unless it is in agreement with this Privacy Policy or if we are requested to do so by law, court or the regulator.

What we are able to do with your information

Details that are given to us may be used to inform you about payday loans or other services that may be useful from our carefully chosen providers. Personal details may be utilised by us and/or shared with selected third parties and/or to communicate with you either by post, phone, fax, online, SMS or other ways. If you do not wish to be contacted by anybody with details of services that we feel may be of use to you, then please e-mail your name and full address to customer.satisfaction@paydayloan123.co.uk.

Your entitlement to access your personal information that we may have

We may hold your personal details electronically and/or manually. Any such personal information as stated in the Data Protection Act 1998 (“DPA”) may solely be used by us for the reasons registered by us with the DPA. If you so wish, the DPA entitles you to ask us to show you such personal details that we have. We may, if legally required to do so, provide your details to authorities should they wish it for conducting an investigation. By using this website you give us your permission to collect and use your personal data as stated in this privacy policy. We retain the right to alter this privacy policy at any moment without any notice. As an effect of you interacting with this website we may hold and use your details on our computers or in any other way. By "your details" we relate to personal and financial data we gather from yourself or from a third party, including credit reference agencies (who may check the Electoral Register), fraud prevention agencies or any other organisation when you apply for any product or service. We will use your details to control your account, supply you statements, provide our products and analysis (including credit and behaviour scoring) and to progress our services to you and safeguard our interests, including debt collection and fraud prevention. We, and/or carefully chosen third parties, may use your details to communicate either by mail, fax, phone or email, to inform you of other products that we feel you may interested in. You may request a copy in writing of the details we hold about you, but a fee will be charged. If you were to be introduced to us from a third party, we will provide to them your contact information and enough details about you for administration purposes.

Credit Reference and Fraud Prevention Agencies

When applying for any product or service you verify that all personal details that you have given are true and complete. You are authorising lenders to be able to confirm certain records about you e.g. our records and the records at credit reference agencies (CRA). When a CRA receives a search, they then place a search footprint on your credit file that can be viewed by other lenders. They provide to the public, which includes the electoral register, shared credit and fraud prevention details, those at fraud prevention agencies (FPA). Lenders can make certain checks including assessing the application for credit and may choose also to make a search periodically at CRAs and FPAs to help manage your account. This information may also be used in order to recover debt. If you inform us that you have a spouse or financial partner, your records will be linked with theirs so you must ensure that they have agreed to disclose their information. CRAs will also link records together unless you or your partner files successfully for a disassociation for the CRAs to alter the link. If inaccurate details are supplied and fraud is detected, information will be given to FPAs. Law enforcement agencies and other organisations may also access and use these details to prevent fraud or money laundering. Your personal data may also be used for other reasons that you have given your specific permission for, in rare cases, when requested to do so by law or where allowed under the terms of the Data Protection Act 1998.

Automatic collecting of details from our website

Like many internet companies, we use Google Analytics to gather data from our visitors that use this Website. We need to use something called a cookie to be able to do this. A cookie is a bit of information held on the user’s computer linked to details about the user. We utilise the details to produce reports and to aid us in making our Website better. The data that the cookies allow us to gather includes the number of visitors to our Website, where they arrive from and the pages that they choose to visit. The details gathered through Google Analytics is anonymous. A cookie is needed if you submit a completed application form. The cookie is then deleted when the visitor closes their browser. If you choose to prevent the use of cookies on our website, please be aware that this will affect the website's performance. You will find more information about cookies at www.allaboutcookies.org

Notification of Alterations

We may alter our Website terms or privacy policy occasionally. Our Website will always endeavour to show the most up to date version but we will solely use details in accordance with the version in use when the details were gathered.

Complaints Procedure

We will always try to be as efficient and friendly as possible. We will try to give you a high standard and confidential service. If you feel we have performed badly in any way please let us know as soon as possible so we have a chance to do something about it. If you have a complaint please contact us at customer.satisfaction@paydayloan123.co.uk where we will ensure that your complaint is handled as quickly and efficiently as possible. One of our senior members will look into it and we will inform you if we require any details from another party to help us look into your complaint.