Who are we?
We are Now Loans, a leading UK credit broker. We are owned by Affiniti Digital Media Ltd (“Affiniti”), a registered UK company (no. 05180470). Affiniti’s registered office is Chart House, 2 Effingham Road, Reigate, Surrey, RH2 7JN. Affiniti is authorised and regulated by the Financial Conduct Authority (FCA). Its firm reference number is 726074.
How do we collect information from you?
We obtain information about you when you use our website, most obviously (but not exclusively) when you apply for specific products such as personal loans or guarantor loans. In these examples you submit your data via one of our in-house enquiry forms.
What type of information is collected from you?
We may collect, store and use the following information:
When you surf our website, click through to a partner website or make a loan enquiry (not personal loans or guarantor loans)
- Information relating to your computer and how you use our website, for example which pages you have visited on our site or how long you stay on our site. In general this data is not personally identifiable.
When you make an enquiry for a Personal Loan or a Guarantor Loan
In addition to the types of information in 1. above we will also collect and store the following personal information:
- Information to allow us and our lenders to contact you – name, addresses, email & phone numbers, etc
- Other information that you are asked for when you apply online, including date of birth, loan purpose, employment status, occupation etc. We collect this information so that we can make an enquiry on your behalf to our panel of lenders.
How is your information used?
The personal information that you give us will be used by us so that we can identify you, provide you with relevant information, improve your browsing experience by personalising the website and enable you to apply for your loan on our website. We may also use your contact details to allow us to communicate with you to confirm your loan application and to send you updates about your application.
In the case of both personal loan and guarantor loan enquiries your information is passed in real time to our panel of lenders so that we can present you with a personalised list of lenders who will lend to you in principle. These lender responses are presented to you on the thank you pages of our website and also emailed to you. You also consent to these lenders contacting you by various means to discuss your loan enquiry.
These are the pool of lenders to whom we send loan enquiries:
- Personal loans
- Guarantor loans
We keep a record of which lenders your data was passed to.
All personal information will be treated in accordance with the Data Protection Act 1998 and other relevant legislation including, from 25 May 2018, the provisions of the General Data Protection Regulations, as applicable, to protect the privacy of such information. We never provide your personal information to any third parties for the purpose of marketing.
Why do we share your personal data?
As described above your data is shared with our lenders so that we can provide you with a real time loan broker service. We do not share your data with any other parties including reference agencies.
However, our credit grantor partners may use this information to make credit decisions about you and the people with whom you are financially associated, as well as for fraud prevention, debtor tracing and money laundering purposes. If you provide false or inaccurate information and our partners suspect fraud, they will record this.
We would also use your personal data in any legal proceedings. We are required by law to disclose your personal data to law enforcement agencies in connection with any investigation to prevent unlawful activity.
We will never disclose your personal data to any third parties for the purposes of marketing, nor will we transfer the information to another country.
How secure is your personal data?
At Now Loans we ensure we have technical and organisational processes in place to prevent the loss, misuse or alteration of your personal information. All information is stored on our secure, password and firewall protected servers. All electronic transactions you make to or receive from us, will be encrypted using SSL technology.
However, due to risks associated with data transmission over the internet, we cannot guarantee the security of data sent over the internet.
How can you access and control your personal data?
You have the right to request access to any personal information we hold about you free of charge. If you wish to see a copy of this information please write to: Data Protection Officer, Now Loans, PO Box 414, Reigate, Surrey, RH2 2DN. You will need to include evidence of your identity and address with your request letter. We accept a photocopy of your passport, driving license or other valid signature ID. Please specify on your letter what information you need access to, including any account or reference numbers where applicable.
Right to erasure of your personal information
Under the provisions of the General Data Protection Regulations (effective from 25 May 2018) you have the right to withdraw your consent for the processing of and request deletion of your personal data under certain circumstances, for example, if you have not taken out a loan with us or the statutory period for which we need to hold your data has expired. Please note that if you ask us to delete or stop processing personal information, we won’t always be required to do so. If that is the case, we will explain why. We will anonymise or pseudonymise the personal information so that we can ensure your deletion is recorded.
In the first instance please email customerservices(AT)nowloans.co.uk and include your name/surname, date of birth, mobile phone number and post code (all required so we can find any data we hold about you).
How long we keep personal information
We retain personal information for as long as we reasonably require it for legal or business purposes. In determining data retention periods, we take into consideration our legal and contractual obligations as well as the expectations and requirements of our customers. When we no longer need personal information, we securely delete or destroy it.
Our Cookies policy
In case you have any concerns about how we have handled or managed your personal data, please let us know immediately. If you are not satisfied with our response, you have the right to make a complaint to the Information Commissioner’s Office (ICO) on their helpline number: 0303 123 1113 or 01625 545 745, or by writing to them at the following address:
The Information Commissioner’s Office
Water Lane, Wycliffe House
Wilmslow, CHESHIRE SK9 5AF