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 First
Rate Loans Privacy Policy
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By submitting this enquiry
you agree that:-
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
The information provided is true and accurate, and
that First Rate Loans may send the details of this
application to an appropriate lender or other brokers
for the purposes of providing a loan. That broker/lender
may contact you for further information as required.
We will not send your data to any other third party
except those needed to provide the loan you have requested.
Please note that the information you provide in this
application will be used by our business partners,
for the purpose of assessing your application and
will be retained on their systems. In order for our
business partners to process your application they
may consult a credit reference agency who will supply
them with credit information and record details of
this search regardless of whether your application
is successful.
If you do not qualify for the loan applied for, or
our business partners believe that another product
may be more suitable for you, they may pass your details
to other parts of their group, or other lenders, who
would consider you for a secured or un-secured loan.
They may also carry out credit searches and records
of these additional searches will be retained, whether
your application is successful or not.
Where you are disclosing information about a joint
application, you must confirm that you are entitled
to do so and are authorising our business partners
to search and record information about them at the
credit reference agency.
We will only hold the information you submitted in
this application for as long as required to provide
your lending requirements. Please let us know if you
don’t wish to receive further communication
from us by writing to privacy@firstrateloans.co.uk
or by following the instructions in any of our communications
to you. Otherwise you agree that we may from time
to time keep you informed about other financial product
offerings that we believe might be interesting such
as alternative loan products that you might be able
to switch to. You will be able to give us notice if
you wish us to stop this communication at any time.
Your data will be collected, processed and maintained
in the UK by Affordable Finance Limited, registered
under the Data Protection Act. Registration No.Z9931814.
First Rate Loans is a trading style of Affordable
Finance Limited. Registered in England and Wales No.6274341.
Privacy Policy
First Rate Loans is committed to ensuring that your
privacy is protected. This Policy explains how we
use the information we collect about you, how you
can instruct us if you prefer to limit the use of
that information and procedures that we have in place
to safeguard your privacy.
Please read this Privacy Policy carefully as once
you use our website you will be regarded as having
read and accepted this Privacy Policy. You must not
use our website or our Services if you do not accept
this Privacy Policy.
The information
we collect
We will collect personal information about you which
you give to us when you register to use our service
and when you provide information as part of our service,
for example, in order to obtain a quote for a secured
loan. The provision of the Services to you may also
require us to store details of your transactions,
together with details of your financial information.
We will periodically review your personal information
to ensure that we do not keep it for longer than is
necessary.
Purposes for which
we use information about you
We may use your personal information for the following
purposes:
-
to
enable you to access and use the Services; and/or
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to personalise
aspects of our overall service to you; and/or
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to communicate
with you; and/or
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to process
a transaction between you and a third party.
Passing on information
about you
Please be aware that once you use our website or
our Services, you will be regarded as having given
your consent to us disclosing your personal information
to the following parties:
-
Third
party providers whose products or services are
listed on the results pages of the channels on
our website, for the purposes of obtaining an
online quotation for you or comparing different
products and services as requested by you;
-
The
Financial Services Authority and/or other regulatory/governing
bodies for the purposes of compliance monitoring;
-
Other third
parties that might be able to offer, either an
alternative product in the event that your preferred
choice of third party provider does not approve
your application or offers a less attractive product
or service than you had originally applied for,
or simply a product that meets the basic criteria
of the type of product for which you have searched
on www.firstrateloans.co.uk
Third
party providers and data privacy
If you decide to enter into a contract with a third
party provider through a channel on our website, the
information you have provided to us together with
any further information requested by, and supplied
by you to, the third party provider will be held by
the provider for the purposes set out in that provider's
privacy policy. Therefore, you are strongly advised
to read your chosen provider's privacy policy and
satisfy yourself as to the purposes for which the
provider will use your personal information before
entering into the contract. We have no responsibility
for the uses to which a provider puts your personal
information once you have contracted with that provider.
Security
The internet is not a secure medium. However we have
put in place various security procedures as set out
in this policy. Firewalls are used to block unauthorised
traffic to the servers and the actual servers are
located in a secure location which can only be accessed
by authorised personnel. We also keep your information
confidential. In addition our website is secured by
a GeoTrust SSL server certificate which safeguards
your personal data by encryption. Our internal procedures
cover the storage, access and disclosure of your information.
Cookies
We use cookies. A cookie is a small file that is stored
on your computer's hard drive by your web browser.
They allow us to understand what areas of the website
are of interest to our visitors and allow us to provide
a better user experience. These cookies do not track
individual user information, and all our cookie data
is encrypted and cannot be read by other websites.
It is possible to 'turn off' the cookies in your browser
and this will not affect the functionality of the
web site. You can find out more information about
cookies including how to switch cookies on or off
i.e. accept or refuse cookies from www.aboutcookies.org
.
Transferring your
information abroad
Information supplied by you to us will only be transferred
abroad by us or our agents for the purpose of performing
contractual obligations to you, or when you have given
your prior consent to such transfer.
Your Rights
You have certain rights under the Data Protection
Act 1998. For example, we will always let you have
a copy of all personal information we have about you
should you request it. We may charge you a fee for
a copy of such information.
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