Clearly Loans Limited of Unit 1a, The Boulevard, Blackmoor Lane, Watford, Hertfordshire WD18 8YW (“We”) are committed to protecting and respecting your privacy.
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. We have put in place a number of measures to ensure that any personal data we obtain from you is processed and maintained in accordance with accepted principles of good information handling and in accordance with the Data Protection Act 1998 (the “DPA”).
For the purpose of the DPA, the data controller is Clearly Loans Limited
INFORMATION WE MAY COLLECT FROM YOU
We will collect personal and financial information about you when you provide us with data and information over the telephone, when you send us documents, when you send us a paper application form or forms on our website or from any third parties (including your Broker), when you apply for a loan or request other products or services from us and when we access information held by credit reference agencies about you.
USES MADE OF THE INFORMATION
We may use information held about you in the following ways:
- To verify your identity and credit standing with credit reference agencies and to enable us to consider and process your application for a loan or other products or services. Please note that credit reference agencies may place a search footprint on your credit file that may be seen by other lenders.
- To assess your credit history and confirm your employment details.
- To detect, prevent and investigate actual and potential fraud and related activities.
- To collect unpaid loans and debt that may be owed by you to us.
- To contact you in connection with your enquiry.
- To help us administer and service your account with us.
- To carry out our obligations arising from any contracts entered into between you and us.
- To develop, manage and market products and services to meet your needs and to provide you with information, products or services that you request from us or which we feel may interest you, where you have provided your consent to be contacted for such purposes.
DISCLOSURE OF YOUR INFORMATION
We may disclose your personal information to the following:
- Our insurers, auditors, solicitors, professional advisors, sub-contractors or any person providing services to Clearly Loans Limited or who are involved in the loan application, who have agreed to treat your personal details as confidential.
- Any funders of Clearly Loans Limited or any proposed or actual third party involved in any matter relating to the administration of your loan with us who has agreed to keep the details confidential.
- Any person where such disclosure is necessary to enable us to ensure that your obligations under any agreement or mortgage with us is being complied with and to ensure that any security given in connection with any loan is not at risk.
We may also disclose your personal information to third parties from time to time for the following reasons:
- In the event that there is (or is to be) any change in ownership of our business or assets, we may disclose your personal data to the prospective or new owners so that they may continue to operate our business effectively and continue to provide services to our customers. This may include new shareholders or any organisation that may take an assignment or transfer of any agreements we have entered into with our customers.
- If we are under a duty to disclose or share your personal data in order to comply with any legal obligation (including with any government agencies or regulators) or to exchange information with other third parties for the purposes of fraud protection and credit risk reduction.
We may also use your data or permit selected third parties to use your data with your consent, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by post, email or telephone.
If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about products and services similar to those which were the subject of a previous transaction with you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) may contact you by electronic means only if you have provided us with your consent.
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use or disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by selecting certain boxes on the forms we use to collect your data. You can also exercise the right at any time by writing to us at Clearly Loans Limited, Unit 1a, The Boulevard, Blackmoor Lane, Watford, Hertfordshire WD18 8YW, emailing us at email@example.com, or calling us on 01923 750 777.
CREDIT REFERENCE AGENCIES
We will check our own records and we will also contact credit reference agencies to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision to make a loan to you. By submitting your application to us, you authorise us to make an inquiry to these credit reference agencies regarding your credit behaviour. We may collect the following information from you for these purposes:
- Information on your personal accounts
- Financial information on an associate’s personal accounts if there are any financial links with you
- Business accounts if you are a director or partner in a small business
- Data held by fraud prevention agencies on you and your business if you have one
- Information obtained from public records including the electoral roll
We may disclose information about your transactions with us (including any defaults) to credit reference agencies who may keep a record of that information. If you provide us with false or inaccurate information and we suspect fraud, we will record this and may also pass this information to financial and other organisations involved in fraud protection to protect us, them and our respective customers from theft and fraud.
RETENTION OF YOUR PERSONAL INFORMATION
The length of time we retain your information will depend on the purpose in which the information was provided. In general, however:
- We will keep the information that is necessary to enable us to manage your account and provide you with a service that you have requested for as long as it takes us to provide that service.
- We will keep your contact details for as long as we have your consent to send you marketing information and/or pass your contact details to third parties.
- We will keep records of any transactions you enter into on this website for a minimum period of six years. This is to allow us to respond to any complaints or disputes that may arise during that period.
- We will keep other information about you if it is necessary for us to do so to comply with the law.
Please be aware that credit reference agencies and fraud prevention agencies who we have transferred your data to in accordance with this notice, may also retain your information for a minimum period of six years.
At Clearly Loans Limited we make your safety and security a top priority and are committed to protecting your personal and financial information. Where we collect personal information from you, we will protect that information with controls based upon recognized security standards, regulations, and industry-based best practices.
When you telephone us we may record and retain your call for training and monitoring purposes.
ACCESS TO INFORMATION
The DPA gives you the right to access information held about you called a Subject Access Request. Any such request may be subject to a statutory fee of up to £10 to meet our costs in providing you with details of the information we hold about you. Please contact Clearly Loans Limited at our above address or on the contact details on our website if you wish seek such information.
You may also contact the credit reference agencies operating within the UK to obtain further information about what information they hold about you. Please contact us and we will provide you with their details. They may also charge a small fee in relation to providing you with this information.
In this section you will find information on what cookies may be set when you visit our website and how to reject or delete those cookies.
When you visit our website we want your experience to be easy, useful and reliable. Where services are provided on the internet, this sometimes involves placing small amounts of information on your device, for example your computer or mobile phone. This information consists of small files known as cookies and they cannot be used to identify you personally.
These pieces of information are used to improve our services for you through, for example:
- Enabling a service to recognise your device so you don’t need to provide the same information several times during one task.
- Recognising that you may already have provided a username and password so you don’t need to do it for every web page requested. Measuring how many people are using services, so they can be made easier to use and there’s enough capacity to ensure they’re fast.
You can manage these small files yourself and learn more about them by visiting:www.direct.gov.uk/managingcookies
How to control and delete cookies
Please be aware that restricting cookies may impact the functionality of the websites you visit.
Third party cookies
Cookies set for embedded social web content
To support our information provision and engagement, we sometimes embed photos and video content from websites such as Youtube, Linkedin, Twitter, Facebook and Flickr. As a result, when you visit a page with content embedded from, for example, Youtube or Facebook, you may be presented with cookies from these websites. We do not control the use of these cookies. You should check third party websites for more information on these cookies.
Our website may also carry embedded ‘share’ buttons to enable users of the site to easily share articles with their peers through a number of popular social networks. These sites may set a cookie when you are also logged in to or otherwise using their service. We have no control over these cookies and you should check for more info from their website on these cookies.
Cookies for web analytics
We use third party services to gather data regarding the usage of our site on our behalf using cookies, log file data and code which is embedded on our website. We use this type of information to help improve the service we provide to UK and non UK visitors.
Google analytics is a web analytics service provider provided by Google Inc. Google analytics sets a cookie in order to evaluate a visitor’s use of our website.
Google stores the information collection by the cookie on their servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. By using our website, you consent to the processing of data about you by Google in the manner and the purposes set out above.
For more information on the cookie set by Google analytics, including information on how to opt out please go to www.google.com/intl/en/privacypolicy.html
The type of cookie used on this Site can each be put into 1 of 4 categories, based on the International Chamber of Commerce guide to cookie categories.
A. Strictly Necessary Cookies: These cookies are essential, as they enable you to move around a website and use its features, such as accessing secure areas. Without these cookies, services you’ve asked for (such as access to secure areas) cannot be provided. These cookies don’t gather information about you that could be used for marketing or remembering where you’ve been on the internet. These cannot be restricted or blocked.
B. Performance Cookies: These cookies collect information about how you use a website, for example which pages you go to most often and if you get any error messages from certain pages. These cookies don’t gather information that identifies you. All information these cookies collect is anonymous and is only used to improve how a website works. These cookies are not used to target you with online advertising. Without these cookies we cannot learn how our website is performing and make the necessary improvements that could enhance your browsing experience. These can be restricted or blocked.
C. Functionality Profile Cookies: These cookies allow a website to remember choices you make (such as your user name, language or the region you are in) and tailor the website to provide enhanced features and content for you. For instance, they remember your log-in details and allow you to watch videos. They also ensure the onsite marketing and experience is relevant to you. These cookies can also be used to remember changes you’ve made to text size, font and other parts of pages that you can customise. The information these cookies collect may be anonymous and they cannot track your browsing activity on other websites. Without these cookies, a website cannot remember choices you’ve previously made or personalise your browsing experience. These can be restricted or blocked.
D. Targeting Cookies: These cookies gather information about your browsing habits. They remember that you’ve visited a website and share this information with other organisations such as advertisers. They do this in order to provide you with ads that are more relevant to you and your interests. Although these cookies can track your visits to other websites, they don’t usually know who you are. Without these cookies, online advertisements you encounter will be less relevant to you and your interests. These can be restricted or blocked.
Cookies we use
This is a list of the main cookies we use and what each is used for:
Cookie name: __utma
Expires: 2 years
Description: Used by Google Analytics. Each unique browser that visits a page on the site is provided with a unique ID via the __utma cookie. In this way, subsequent visits to the website via the same browser are recorded as belonging to the same (unique) visitor. Thus, if a person interacted with the website using different browsers, the Analytics reports would track this activity under two unique visitors. Similarly if the same browser were used by two different visitors, but with a separate computer account for each, the activity would be recorded under two unique visitor IDs. On the other hand, if the browser happens to be used by two different people sharing the same computer account, one unique visitor ID is recorded, even though two unique individuals accessed the site.
Cookie name: __utmb & __utmc
Expires: 30 min
Description: Google Analytics uses these two cookies to establish a session. If either of these two cookies is absent, further activity by the user initiates the start of a new session.
Cookie name: __utmz
Expires: 6 months
Description: When visitors reach the site via a search engine result, a direct link, or an ad that links to the page, Google Analytics stores the type of referral information in a cookie. The parameters in the cookie value string are parsed and sent in the GIF Request (in the utmcc variable). The expiration date for the cookie is set as 6 months into the future. This cookie gets updated with each subsequent page view to the site; thus it is used to determine visitor navigation within the site.
Cookie name: EXP_Last_Visit
Expires: 1 Year
Description: This cookie is provided by the Expression Engine content management system and contains data regarding the dates of the users visit to the website.
Cookie name: EXP_Last_Activity
Expires: 1 Year
Description: This cookie is provided by the Expression Engine content management system and contains data regarding the dates of the users recent activity on the website.
Cookie name: EXP_Tracker
Expires: End of Session
Description: This cookie is provided by the Expression Engine content management system and contains data regarding the last 5 pages the user visited on the website and allows us to redirect the user to the page they were on before submitting a comment or sending us an email through a contact form.