Privacy Policy

25/05/2018 Privacy Policy Amendments For GDPR

At Serpable Ltd we take the security of your data very seriously and do all that we can to ensure that we conform to the laws and best practice of the industry. The following Privacy Policy, (alongside the Terms and Conditions, Cookie Policy, and any other referred to documents and polices) explains how Serpable Ltd will collect and use the information that we may collect and your rights to view or amend it.

Your rights as an individual.

From the 25th May 2018 you will have revised rights under the new EU General Data Protection Regulation (GDPR). These are:-

• The right to be informed
• The right of access
• The right to rectification
• The right to erase
• The right to restrict processing
• The right to data portability
• The right to object.
• Rights in relation to automated decision making and profiling

Further information on the above is available from the ‘Information Commissioner’s Office’ website.

WHO WE ARE

Serpable Ltd are authorised and registered with the Financial Conduct Authority as a credit broker under Firm Ref 799104. Serpable Ltd is registered in England and Wales, Company No 10699069, registered office: Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.

Serpable Ltd controls any information which you provide on this website, and those listed below, and is registered as a Data Controller with the Information Commissioner’s Office (ICO) under the Data Protection Act 1998 (the Act) under reference number ZA248554.

By using any of the websites operated by Serpable Ltd (www.loanload.co.uk, www.moneyfall.co.uk, www.unsecuredloans4u.co.uk, www.pickaloan.co.uk, www.knightfinance.co.uk, www.loanavo.co.uk, www.cashcrazy.co.uk ) you will be deemed as having read and accepted the Privacy Policy and are consenting to having your information processed by Us and our partners in line with this policy. As such, please do ensure that you carefully read and understand this document and should you not want to be bound by the terms set out, do not use our site.

If you would like further information or require any clarification on anything which is detailed within our Privacy Policy, please email us at [email protected]

HOW DO WE COLLECT INFORMATION?

The following Information about you may be collected and processed by us:

• Details that you provide to us directly by visiting our website and by filling in any forms on our website This includes using our online services, completing a loan enquiry form, requesting a quote, becoming a newsletter subscriber and applying for any other product or service on our site
• Details of any transactions that you carry out through our system, including information of your visit to our website and details of any resources accessed when using our website
• Details that you may provide to us when contacting us
• Details that you have consented to being passed to us by our affiliates, partners and brokers

TYPES OF INFORMATION THAT COULD BE COLLECTED

In the course of your use of our website or correspondence with us, we may collect and process the following information about you that you provide to us when applying for a loan product online, or via any other form including, but not limited to: name, email address, home address, residential status, phone numbers, date of birth, employment details, income details, including pay dates and bank account details. Details of your visits to our website are collected and information including, but not limited to: location data, traffic data, other communication data and the resources that that you have accessed. More details on this are given when we explain our use of COOKIES later in this document.

STORAGE OF PERSONAL DATA

In order to protect your personal data we have strict security measures in place:

• We use secure servers to store your data. These are treated as confidential and are not accessible to the public
• The data is only accessible (by means of user log in and password credentials) to those of our own employees or those third parties who need to know such information in order to deliver our products and services
• In order to identify security threats, and to ensure continued security, Serpable routinely evaluates its data security procedures – the integrity of our servers is of paramount importance to us

We will not store your personal details beyond the legally-permitted period and so records we hold relating to you will be entirely deleted from our servers at the point we can no longer legally retain them.

Although Serpable aims, and takes all possible measures to completely protect your data, we are unable to guarantee or warrant the security of any information that you transmit to us. Data transmission over the internet can be an insecure method of communication. It may be possible for third parties outside of the control of Serpable to access the data you are communicating to us whilst the transmission is in process and neither Serpable or you would be aware.

IF WE USE YOUR INFORMATION, HOW WILL WE USE IT?

Serpable Ltd is the sole owner of the information collected from our sites. Our sites collect personally-identifiable information from our users at several different points on our website. Our sites collect demographic information about you, (such as name, age and address) and answers to specific questions asked by our sites, its clients or sponsors. This data will be used in order to process and submit your enquiry to our partners. It may also be used by Serpable and carefully selected third parties to contact you by email, SMS, post, telephone or other appropriate means, with communications about their products or services, who may be in a position to help you; examples are such as:

• Credit brokers
• Unsecured loans provider, secured loans providers, short term lenders, alternative lenders, peer to peer lender, guarantor lenders
• Prepayment card and bank account providers
• Car finance, logbook loan lenders
• Insurance services such as car insurance, home and contents insurance
• Debt and property possession adjusters/advisers
• Utility switching agents
• Debt management companies, insolvency practitioners, bankruptcy specialists
• Equity release arrangers and credit reference advisers

We may use any of this information in the following ways:

• To make sure that the content that you see from our website is presented to you and your computer in an effective manner
• To provide you with services, products, information or special offers that we feel may be of interest to you or that you have requested from our website, where you have shown consent to be contacted for such purposes; please see table below for the industry types you can expect to receive services, products, information or special offers from. This may include entities not based within the European Economic Area (EEA) or entities which have a presence outside of the EEA despite their main business being conducted within the confines of the EEA. When dealing with such third parties, we ask them to confirm that they will ensure your data is used, stored and transferred according to the applicable regulations of the EEA – your data should not be treated any differently than if the entity was operating within the EEA. By using our website, this is your confirmation that you agree to such use, storage and transfer of your data
• To confirm that the information that we hold about you is current and up-to-date via third party providers of such services, to include phone, e-mail, SMS and postal verification methods, to inform you about the changes and upcoming services through our website
• To respond to your Customer Service enquiries or to handle complaints effectively – we have a duty to ensure that we are corresponding with the person whose details we will be discussing and we like to have your application history in front of us when responding to your Customer Services contact with us to give you the speediest resolution possible
• If we are legally obliged to allow other parties access to your personal data in order to comply with any law or regulation or when we seek to protect our commercial interests through any means open to us in law
• In order to allow an affiliate who introduces customers to us, to know how to bill us for their services
• Should we be bought by an external entity the personal data held by us about our customers will be one of our assets and as such will be transferred at the point of sale
• To undertake improvement to our websites and application processes

PASSING YOUR INFORMATION TO THIRD PARTIES – WHO DO WE SHARE YOUR DATA WITH?

In relation to your loan application your personal data will be shared with Serpable Limited (t/a www.loanload.co.uk, www.moneyfall.co.uk, www.unsecuredloans4u.co.uk, www.pickaloan.co.uk, www.knightfinance.co.uk, www.loanavo.co.uk, www.cashcrazy.co.uk), in accordance with this privacy policy and also with our panel of lenders, credit brokers and financial solution providers. This data will be used in order to process and submit your enquiry to our panel who may then contact you by email, SMS, post, telephone or other appropriate means, with communications about their products or services.

You are also agreeing that our lenders, brokers and financial solution providers may use Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FRAs) to assess your credit (please see below for further information regarding these agencies).

Please be aware that our lenders with whom we share your information may use it for their legitimate business interests to match applications, carry out fraud checks, carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they may offer to you or other individuals in the future. Most lenders might use this for up to twelve months.

Our panel of lenders, credit brokers and financial services providers include, but are not limited to the following (please see table below for full details of the third parties which we may share your data with):

We Use Nouveau Limited, Quintessential Finance and Loan Machine to distribute your application to the lenders there panel consists off.

Lenders (Guarantor Loans, Home Credit Providers, Log Book Loans, Personal & Short Term Loans, Revolving Credit, Vehicle Finance)

Active Securities t/a 247Moneybox.com – Advancis Limited t/a Buddy Loans – Amigo Loans Ltd. t/a Amigo – Bamboo Limited t/a Bamboo – Care Retirement Options Limited t/a Care Finance and Loans – CashEuroNetUK, LLC t/a Pounds to Pocket and Quick Quid, Car Finance 247 Limited t/a Car Finance 247 – Cash on Go Limited t/a Peachy – Concept Car Credit Limited t/a Concept Car Credit – CURO Translantic Limited t/a Juo Loans and WageDayAdvance –DJS (UK) Limited t/a PiggyBank – Elevate Credit International Limited t/a sunny.co.uk Everyday Lending Limited t/a Everyday Loans, Selfy Loans and Trusttwo – Ferratum UK Ltd t/a Ferratum – Gain Credit LLC t/a Lending Stream – George Banco Limited t/a George Banco.com – Gracombex Limited t/a The Money Platform – Harvey & Thompson Limited t/a H&T, H&T Money, H&T Finance, H&T Asset Finance and H&T Pawnbrokers – Hymarc Limited t/a Stepstone Credit -Indigo Michael Limited t/a Safety Net Credit – Loans 2 Go Limited t/a Loans 2 Go – Match the Cash Limited t/a Guarantormyloan.co.uk – MMP Financial Limited t/a SwiftSterling.co.uk – Mobile Money t/a Mobile Money – Morses Club PLC t/a Morses Club – My Finance Club Limited t/a My Finance Club – MYJAR IT OÜ t/a MYJAR – Next Credit Limited t/a Next Credit – Nova Loans Ltd t/a CASH4UNOW.CO.UK – PDL Finance Limited t/a Mr Lender – Provident Personal Credit Limited t/a Provident and Satsuma Loans(Registered Office Address: No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU. Email: [email protected]) – Response Funding Limited t/a Response Funding – Shelby Finance Limited, a subsidiary of Morses Club PLC t/a Dot Dot Loans – Stagemount Limited t/a Quidmarket – The Quick Loan Shop Ltf. t/a TheQuickLoanShopLtd.Co.Uk – The 1st Stop Group Limited t/a The 1st Stop Group – TM Advances Limited t/a TM Advances – Trusted Cash Limited t/a Trusted Quid – TFS Loans Ltd t/a TFS Loans – Total Home Loans Direct t/a THL Direct -UK Credit Limited t/a UK Credit – Uncle Buck Loans LLP t/a Uncle Buck – Valour Finance Limited t/a Savvy.co.uk – Western Circle Limited t/a CashFloat.co.uk – 1plus1 Loans Limited t/a 1plus1 Loans –

Credit Brokers and Financial Services Providers:

Affiliate ROI LLC – Butler Westbury Limited – Choose Wisely Limited – Dojono Ltd – Evergreen Finance Limited – Express Finance Loans Limited – Forefront Solutions Limited – Hamilton Digital Solutions -IMT Technologies Limited – Ineffable Limited -Interlincx Media Corporation – Lend a Hand Finance Limited- Loan Machine Limited – Loan Mart Limited – Maintain Marketing Limited – Serpable Limited – Mindflow Marketing Ltd. – Money Genie Ltd – Monevo Inc – Nouveau Finance Ltd – Quiddi Limited – Quint Group Limited – RU Media UK Limited – Sandhurst Associates Limited – Savant International Limited Season Marketing Ltd – Silver City Tech Limited – TdotUK Limited – Techkredit Ltd. – TFLI – Whitlock Corp Limited – William Ellis Sinclair

NB: Your application may or may not be sent to all lenders, credit brokers or financial services providers listed. The companies which your loan application will be sent to will be dependent upon the information provided in your enquiry and based upon your individual circumstances.

Where you have given your express consent to marketing, your personal data will be shared with us and our trusted third parties so we can inform you about products, services or offers which may be of interest, by email, SMS or telephone (based on your communication preferences). You should always read their terms and conditions.

Our trusted third parties include but are not limited to the following (please see table below for full details of the third parties which we may share your data with):

Spectrum Card Services Limited t/a Acorn Account and Card One Banking – Caversham Finance Limited t/a BrightHouse – DL-UK – Dojono Limited – Ineffable Limited – Mindflow Marketing Limited – Money Genie Limited – Nouveau Finance Limited – RSData Tech t/a UK Credit Ratings – Temple Finance Limited t/a PerfectHome – TdotUK

We may also supply your data to these sectors via agencies/brokers.

Our related products, services and offers are:

Bank Accounts – Benefits Cards – Broadband – Comparison Sites – Credit & Loan Brokerage – Credit & Debit Cards – Credit & Social Reports – Debt Management – Guarantor Loans – Home Credit Loans – Insurance Products – Logbook Loans – Mobile Phones – Payday Loans/Short Term Credit – Personal Loans – Products on Finance – Utility Switching – Vehicle Finance Regulatory bodies

We may need to disclose your personal data to regulatory bodies such as the Financial Conduct Authority or Information Commissioners Office or any other applicable regulatory, government, compliance or law enforcement agency.

Other

We may also disclose your personal data if required or permitted to do so by law or in connection with legal proceedings or in connection with the sale or transfer of our business.

Further to the above disclosures, the data we collect using your browsing pattern may be sold (or otherwise passed on) to our clients and carefully selected third parties. However, we do not disclose individual information to them, but only aggregated and generalised information.

Third parties include, but are not limited to:

• You have the right, at any time to stop us from contacting you for marketing purposes. If you no longer wish to be contacted by us for marketing purposes, please unsubscribe by emailing [email protected]
• To contact you and any person referred to by you in connection with your application or enquiry;
• To process and respond to requests, enquiries and complaints received from you;
• To identify a lender or other product provider and arrange for the provision of the loan or other products and services requested by you;
• To communicate with you about products and services provided to or requested by you;
• To update Our records;
• To analyse trends and profiles and carry out assessment and analysis (including credit and/or behaviour scoring, market and product analysis);
• For audit purposes;
• To carry out customer satisfaction research;
• To prevent or detect fraud;
• To meet Our regulatory compliance and reporting obligations
• To ensure that content from this site is presented in the most effective manner for you and your computer
• To develop and improve Our services to you and notify you about changes to Our services
• To enable third parties to carry out any of the above purposes on Our behalf.

SHARING OF YOUR INFORMATION

We may share Your Information with third parties in the following ways:

• We sometimes use agents and service providers to process Your Information on Our behalf. For example, we may use third parties to maintain our IT systems. Where we use agents and service providers to process your information, we will ensure that they have adequate security measures in place to safeguard Your Information.
• We will release your personal information when we are required to do so for legal or regulatory purposes or as part of legal proceedings.
• We may give information we hold about you to third parties as part of the process of selling one or more of our businesses.
• Your Information may be passed to credit reference, fraud prevention, law enforcement agencies and identity and address verification agencies whom may record and use your information and disclose it to other organisations for credit reference, debt tracing, fraud and money laundering prevention purposes.
• We may transfer your information to our partners, credit brokers and/or to potential lenders or third parties (e.g. debt counsellors and insurers) for the purposes of seeking or arranging finance for you, assessing your application and processing, administering and enforcing any subsequent loan which may be granted. The partners, credit brokers, potential lenders and third parties may share information with us in relation to your application and in accordance with their Terms and Conditions.
• You confirm you have the consent of any other person whose details are provided by you in connection with your application or enquiry to provide that person’s Information to us and for us to use that person’s Information for the processing of any application that you may submit as a joint application.

WHERE WE STORE YOUR INFORMATION

All information you provide to us is stored on secure servers. Where We have given you (or where you have chosen) a user name, passcode and memorable word which enables you to access certain parts of this site, you are responsible for keeping this user name, passcode and memorable word confidential. You must not share these with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect Your Information, we cannot guarantee the security of your information transmitted to this site; any transmission is at your own risk. Once we have received Your Information, we will use strict procedures and security features to try to prevent unauthorised access.

HOW WE USE COOKIES

A “cookie” is a small piece of information that is stored on the browser on your computer’s hard drive. Most websites use cookies to improve the way the website works and to provide information to website operators about use of the website. We use cookies to allow you to use and navigate this site, to store information about your preferences, to collect information about how visitors use this site and to enable us to improve this site. Most web browsers allow you to manage and block the use of cookies by changing your browser settings. If you choose not to accept cookies on this site this may affect the quality of your visit to this site.

You can find more information about the individual cookies we use and the purposes for which We use them in the table below:

For more information on cookies (including how to switch them off) please visit www.allaboutcookies.org.

We use these as they may be able to offer exclusive deals with lenders and have access to other lenders.

We endeavour to update this on a quarterly basis.

We may also pass your information to the Financial Conduct Authority, the ICO and/or other regulatory/governing bodies, for the purposes of compliance monitoring.

THIRD PARTY WEBSITES

In order to provide the widest possible range of products and offers for our customers, our website may contain links to third party websites. Please note that in selecting a particular link to any such product or offer, we do not accept any liability or responsibility, because these websites have their own Terms & Conditions and Privacy Policies. If you have any queries regarding these websites, you should contact the owner of that particular website directly.

YOU CAN REQUEST YOUR INFORMATION

The UK Data Protection Act provides you with the right to access information held about you. Any such request may incur a minimal fee (set by the government and which may change from time to time) to meet our costs in providing you with details of the information we hold about you. If you require such information please contact us as below. If after corresponding with us, you do not feel that your query or complaint has been satisfactorily resolved, you have the right to contact the Information Commissioner’s Office (https://ico.org.uk)

IP ADDRESSES AND COOKIES

Through our website we may collect information about your computer, including your IP address, browser type and version and operating system information for system administration and to report aggregate information to our advertisers. All this information is purely statistical and does not identify any individual.

A “cookie” is a small piece of information that is stored on the browser on your computer’s hard drive. Most websites use cookies to improve the way the website works and to provide information to website operators about use of the website. We use cookies to allow you to use and navigate our sites, to store information about your preferences, to collect information about how visitors use our sites and to enable us to improve our sites. Most web browsers allow you to manage and block the use of cookies by changing your browser settings.

If you do not want to allow access to the cookies on your system then you can set your browser to refuse cookies. However, in doing so you will not be able to enjoy the full use of this site.

Please visit our cookie policy for full details of how we use cookies on our site or for more information on cookies (and how to switch them off) please visit www.allaboutcookies.org

CREDIT REFERENCE AND FRAUD PREVENTION AGENCIES

Further to the information given above, to reiterate, your details may be passed to statutory bodies, regulators, legal bodies, credit reference entities, fraud prevent entities and identity and address verification agencies who may record and use your details and disclose it to other organisations for credit reference, debt tracing, fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant entity or trade organisation.

By submitting an application form on our site, you confirm that all of the information provided is accurate and true. You also authorise that upon application the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions.
Credit checks and credit reference agencies can also help prevent fraudulent applications.

CHANGES TO OUR PRIVACY POLICY

This privacy policy is renewed on a monthly basis, and from time to time we may update and make changes to this Privacy Policy. If this happens the updated version will be posted on this site. Please make sure that you regularly check the Privacy Policy for updates.

CONTACT US

We welcome any of your questions regarding our privacy policy and any services that we offer to you. Please send an email to [email protected], if you have any questions or comments about your personal information.

Representative APR 1212%

Representative Example: Borrow £200 for 35 days. One total repayment of £256.00. Interest rate 292% (variable). Interest payable: £56.00. Representative APR 1212%.

Serpable Ltd is a Licensed Credit Broker
We are not a lender

ALL LOANS ARE SUBJECT TO CREDITWORTHINESS AND AFFORDABILITY CHECKS

Serpable Ltd is a credit broker and never charge you for the use of their service or take money from your account. Loan costs will vary depending on the lender. We use a consumer application system to allow our customers to make applications to a number of loan providers and brokers using a single online application form.

Please only apply for a loan if you are confident that you are able to make the repayments. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.

We only want you to apply for a loan if you’re sure you can repay it in full on your due date and still manage your other outgoings. By accepting these terms you confirm you have provided accurate financial information and considered potential future income and outgoings in determining your ability to repay

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A PAYDAY LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

* Subject to lenders requirements and approval. Most loans can be paid into your bank account within one hour, although this could take 2-3 days if your bank does not accept faster payments! However not all of our lenders offer this service and some may not pay straight into your bank account . Please note that not everyone will qualify for the full amount of £25000 – this is subject to creditworthiness and affordability checks*

We work exclusively with a selected group of lenders and licensed credit brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees, by emailing us at [email protected] We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available to meet your needs.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. This site is available to UK Residents only aged 18 years and over.

Authorised and regulated by the Financial Conduct Authority