Thank you for visiting the
Loan.Me website, located at Loan.Me (the “Site”).
Everyone has rights with regard
to the way in which their personal data is handled. During the course
of our activities we will collect, store and process personal data about
our customers, suppliers and other third parties, and we recognise that
the correct and lawful treatment of this data will maintain confidence
in the organisation and will provide for successful business operations.
Accordingly, we understand
that you value your privacy and the right to control how your personal
(the “Policy”) to offer transparency, accountability, and choice regarding
the management and use of your personal information. We strive to provide
good information stewardship in accordance with the Data Protection Act
1998 (the “Act”) and the General Data Protection Regulation (GDPR).
We reserve the right to modify
time. A notification of any changes will be posted on the Site. We encourage
you to periodically review our Policy to stay informed about how we use
the information we collect.
By using the Site, you consent
to the applicability of this Policy in its entirety, whether or not you
intend to submit any information to us via the Site. If you disagree with
this Policy, you should discontinue your use of the Site. Your use of
the Site and our services, including data storage and transmission, is
done at your own risk.
This Site is operated by Grocr
Online, Limited (“Grocr Online Ltd”, “we” or “us”). Grocr Online Ltd is
registered in England and Wales (Company number 10893958) with its Registered
Office at Apt 12095, Chynoweth House, Trevissome Park, Truro, Cornwall
TR4 8UN. Grocr Online Ltd is authorised and registered by the Financial
Conduct Authority and is entered on the Financial Services Register as
an Appointed Representative of license number 688026. Grocr Online Ltd
is also registered with the Information Commissioner’s Office under registration
What does the Privacy
Policy Apply To?
This Policy applies to any
and all information you submit, or we collect from you, on the Site, whether
such information is public or non-public. This Policy is applicable only
to the Site and does not relate to the activities of any third party website
or other entity.
How May We Contact
By using our service, as described
on our website, you may be contacted by a selection of lenders to provide
the service you require and have requested.
When consent has been provided,
you will be contacted by our selected third parties, as detailed in this
email, post, SMS automated messages and fax. The marketing methods used
depend on what you have provided consent for.
Please see further in this
that will be marketed to you. You may unsubscribe to marketing communications
at any time by following the instructions on the communication received,
or contacting us at email@example.com, or by post to Apt 12095, Chynoweth
House, Trevissome Park, Truro, Cornwall TR4 8UN.
How Can You Contact
If you need to reach a company
representative by telephone, please call us free of charge on 0208
050 2564. Please note that your call may be recorded for training, quality
assurance, and regulatory purposes. If you have questions or concerns
specifically addressing this Policy, please contact us via email at firstname.lastname@example.org.
General Data Protection
Anyone processing personal
data must comply with the five enforceable principles of good practice.
These state that personal data must be:
processed lawfully, fairly and in a transparent manner in relation to
collected for specified, explicit and legitimate purposes and not further
processed in a manner that is incompatible with those purposes; further
processing for archiving purposes in the public interest, scientific
or historical research purposes or statistical purposes shall not be
considered to be incompatible with the initial purposes;
adequate, relevant and limited to what is necessary in relation to the
purposes for which they are processed;
accurate and, where necessary, kept up to date; every reasonable step
must be taken to ensure that personal data that are inaccurate, having
regard to the purposes for which they are processed, are erased or rectified
kept in a form which permits identification of data subjects for no
longer than is necessary for the purposes for which the personal data
are processed; personal data may be stored for longer periods insofar
as the personal data will be processed solely for archiving purposes
in the public interest, scientific or historical research purposes or
statistical purposes subject to implementation of the appropriate technical
and organisational measures required by the GDPR in order to safeguard
the rights and freedoms of individuals;
processed in a manner that ensures appropriate security of the personal
data, including protection against unauthorised or unlawful processing
and against accidental loss, destruction or damage, using appropriate
technical or organisational measures.
Fair and Lawful Processing
The Act is not intended to
prevent the processing of personal data, but to ensure that it is done
fairly and without adversely affecting your rights as a data subject.
For personal data to be processed
lawfully, it must be processed on the basis of one of the legal grounds
set out in the Act. These include, among other things, the data subject's
consent to the processing, or that the processing is necessary for the
performance of a contract with the data subject, for the compliance with
a legal obligation to which the data controller is subject, or for the
legitimate interest of the data controller or the party to whom the data
is disclosed. When special categories of personal data are being processed,
additional conditions must be met. When processing personal data as data
controllers in the course of our business, we will ensure that those requirements
This Site may direct your information
to partners or service providers located overseas, including the United
States. In accordance with the Act, we will only direct information to
those countries ensure an adequate level of protection for your information
during the transmission process.
In line with the General Data
Protection Regulation, we have ensured that all information in regard
to how your data will be used, stored and transferred has been provided.
All information in regard to marketing communications has been made available
to you at point of consent, all other information is provided in this
address and provide requests in writing. We believe all information in
regard to your data should be transparent and available to you, all consumers
have the right to understand how and where their data will be used.
Processing for Limited
In the course of our business,
we may collect and process the personal data set out in this Policy. This
may include data we receive directly from you (for example, by completing
forms or by corresponding with us by mail, phone, email or otherwise)
and data we receive from other sources (including, for example, business
partners, lenders, sub-contractors in technical, payment and delivery
services, credit reference agencies and others).
We will only process personal
data for the specific purposes set out in this Policy or for any other
purposes specifically permitted by the Act. We will notify those purposes
to you when we first collect the data or as soon as possible thereafter.
and Non-Excessive Processing
We will only collect personal
data to the extent that it is required for the specific purpose notified
When inputting your personal
details to our application form, please ensure the information provided
is accurate, up to date and complete. Your application result will be
based on the details provided.
You must input details that
are specific to you and not provide details of a third party, this can
be investigated and will be flagged as a fraudulent application.
If you feel that your details
are inaccurate or have changed, please do let us know by contacting us
at email@example.com and we can update these for you.
We will not keep personal data
longer than is necessary for the purpose or purposes for which they were
collected, as set out in this Policy. We will take all reasonable steps
to destroy, or erase from our systems, all data which is no longer required.
Your data will be actively
used by ourselves for up to 6 months from the most recent date of consent.
After this, your data will be securely archived, but removed from our
marketing database. Your data will be stored/archived securely, in case
of future information request or query.
Processing in line
with your rights
We will process all personal
data in line with your rights, in particular, your right to:
Request access to any data held about you by us.
Prevent the processing of your data for direct-marketing purposes, except
as set out in this Policy.
Ask to have inaccurate data amended.
Prevent processing that is likely to cause damage or distress to you
or anyone else.
Please see our ‘Individuals
Rights’ page which details your rights under the General Data Protection
Regulation. This provides a detailed description of your rights and how
Grocr Online Ltd comply with these rights.
What Information do
we collect from you?
We collect your personal information
through forms provided on the Site. We also collect your personal information
whenever you provide it to us directly, by telephone (which may include
recording and/or monitoring calls), mail, email, or through a survey or
other consumer outreach program. We might also collect personal information
about your use of the website, including but not limited to your location
data and online traffic habits.
In order to better service
your account and enhance your Site experience, we will customarily collect
the following information from you:
details (where appropriate)
of bank account
about your activity on the Site (generally in the form of “cookies”;
please see the section dedicated to the Collection of Non-Public Information,
Whenever you submit information
through a form on the Site, you attest that the information you are providing
is true and complete. This information will be provided to lenders and
other service providers, including credit reference agencies. It is your
responsibility to ensure that any information we have on record for your
account is timely and accurate. If you would like to update your personal
information, please contact us at firstname.lastname@example.org
Grocr Online Limited cannot
hold responsibility over an error at the hand of the consumer, please
be aware that completing an application form from a public computer, or
in a public area may mean your details are at risk, they may be viewed
by a member of the public or may be stored on the computer in use. Please
be aware of your surroundings when inputting your personal data.
Use of Credit Reference
and Fraud Prevention Agencies
Although we do not make credit
decisions, we may direct your information to one or more credit reference
agencies (“CRA”s) and fraud prevention companies, in order to assist the
lender in making relevant lending decisions. Consent to the transfer of
your information to such third parties is a condition of registration.
Do not complete and submit
an application if you do not wish for your personal information to be
directed to these third parties. If you contact CRAs to inquire about
the kind of information they have received about you, you may be subject
to a small fee. Such third-party agencies have their own Privacy Policies.
Please note that credit reference
checks may leave a trace on your individual credit report.
To contact a credit reference
agency in the United Kingdom, please use the information below. Please
note that this list is not exhaustive, and that you are advised to contact
all major credit reference agencies for a complete picture of your credit
Credit File Advice Centre
P.O. Box 3001
Bradford, BD1 5US
Phone: 0870 010 0583
Consumer Help Service
P.O. Box 8000
Nottingham, NG80 7WF
Phone: 0844 481 8000
How Do We Collect Your
Whenever you visit the Site,
we might collect certain information from you, including information about
the date and time of your visit, your operating system, the Site pages
you visited during your connection, and the domain name you accessed to
reach the Site. We collect this information primarily for statistical
analysis purposes and to improve the Site experience. Please see the section
“Cookies,” below for information about how passively-created data is collected
We may also use web beacons
on the Site to improve our services, in our emails, and in other advertisements.
Web beacons are tiny images that are used to collect information about
your Site visit, such as the pages you view and the features you use.
We may additionally work with service providers who help us track, collect,
and analyse this information.
Finally, we may aggregate user
information for statistical purposes and disclose statistical data to
third parties. In such instances, we will not identify you personally.
For example, we might collect data on the popularity of various sections
of our website, using software to track web page usage and duration. If
this statistical data is directed to a third party, it will be done so
How Do We Use Your
We may use the information
we collect from and about you on the Site for any of the following purposes:
to connect you with our network of lenders for the fulfilment of a personal
to respond to your inquiries;
to review your use of the Site, in order to improve your experience
and gather analytical data;
to address problems with the Site, our business or our services;
to protect the security or integrity of the Site and our business;
to contact you with Website updates, newsletters and other informational
materials from us, and
to contact you for marketing of products and services that may be of
interest to you via telephone, email, post, SMS, automated messages,
You may be given options throughout
the registration process about how your information is used. These options
may include the extent to which your data is used for direct marketing
purposes and the extent to which we may contact you for non-commercial,
market research purposes. You may change your preferences, where applicable,
by contacting us at the address and phone number found below.
If you do not wish to receive
communications from us about offers and promotions, you can opt-out of
receiving these communications by emailing us at email@example.com or
by following the instructions in the messages you receive.
How Do We Disclose
As a general rule, we do not
sell, share, or license your personal information to any other party except
for the purpose of fulfilling your loan application request. However,
we might disclose your information:
to a third-party lender or service provider (including credit reference
or fraud detection agencies) for reasons including billing, delivery,
payments, data verification, or completion of a transaction;
as necessary if we believe there has been a violation of the Site’s
your information (including but not limited to fraud or identity theft);
to respond to legal process (for example, a warrant, subpoena, or court
order), or to respond to claims of intellectual property infringement;
as part of the transfer of our assets if our company is sold, in whole
or in part;
with your express consent as part of a direct marketing campaign.
We might also share aggregated
data that contains general, anonymous information about the users of the
Site (such as the volume of Site traffic, or trends involving user demographics).
Your information will be shown
to our panel of lenders (named below) to match your information with their
criteria, you will then receive notice as to whether your application
has been successful. If so, your details will be passed to the lender
who has accepted your application.
Additionally, we may share
your information with third party marketers and other service providers
(including advertisers) with whom we have an ongoing business relationship
to contact you about products and services that may be of interest to
you via telephone, email, post, SMS, automated messages, and fax.
Related Services: auto finance,
banking, credit cards, credit score, insurance, payday loans, personal
loans, PPI, credit lines
Trusted Third Party Providers:
1plus1 Loans Limited, Amigo Loans Ltd, Bamboo LTD, Choose Wisely Limited,
DJS UK Limited, George Banco.com Limited, IMT Technologies Limited, Indigo
Michael Limited, Lead Byte LTD, Lending Stream LLC, Loan Machine Limited,
Loans 2 Go Ltd, Mediablanket Ltd, Match the Cash Limited, Morses Club
PLC, MYJAR IT OU, Next Credit LTD, PDL Finance Limited, RU MEDIA UK LIMITED,
Sandhurst Associates LTD, Savvy Benefits Card, Stagemount Limited, Stop
Go Networks LTD, The Lead Group, The Money Platform, Total Processing
Limited, Trusted Cash Limited, UKCredit Limited, Uncle Buck Finance LLP,
Valour Finance Limited, WageDay Advance LTD, William Ellis Sinclair, Active
Securities Limited, Progressive Money Limited, Techkredit Ltd, TM Advances
Limited, Kurdford Services Limited, Season Marketing Ltd, Grocr Online Limited, Nouveau Finance Limited.
If you do not wish to receive
communications from third parties about offers and promotions, you can
opt-out of receiving their communications by following their instructions
in each of the messages you receive from them. Alternatively, please review
address to request your details be removed from the marketing database.
How Do We Keep Your
We recognise the importance
of keeping your personal information secure and confidential. We take
reasonable and appropriate precautions and security measures against unlawful
or unauthorised processing of your data including the use of Secure Sockets
Layer (SSL) encryption, to secure the personal and non-personal information
you provide us against accidental loss, misuse, alteration, or unauthorised
access. We regret that no transmission of data can ever be perfectly secure
over the internet. As such, while we strive to protect your personal information,
we cannot guarantee its security or confidentiality. Please be cautioned
that we do not request your special categories of personal data except
through online forms, or through user-initiated contact. Your personal
data will only be transferred to a data processor (such as a lender) if
it agrees to comply with those procedures and policies, or puts in place
adequate measures itself.
Your Access to Information
Section 7 of the Data Protection
Act gives you the right to access information we hold about you. We will
not charge for this service. Please submit your request in writing to firstname.lastname@example.org, or by post to Apt 12095, Chynoweth House, Trevissome
Park, Truro, Cornwall TR4 8UN, we will provide the information within
a month of receiving the request.
We maintain customer data on
secured servers, and will hold that data subject to the following rules:
If you request that we do not contact you for advertising and marketing
purposes, we must still maintain a record of your preferences;
We will maintain any information you have entered into forms on the
website for a minimum of six (6) years, beginning at the termination
of our relationship with you;
We maintain your information for as long as we continue to provide a
service to you (as an affiliate or otherwise);
Where legitimate legal or business reasons exist, we will maintain your
information for so long as such condition remains.
Right to be forgotten
As above, we do have the right
to store your data as we have outlined. We will do this safely and securely
for the stated period of time. As per the General Data Protection Regulation
(GDPR), all consumers have the right to be forgotten under the following
the personal data is no longer necessary in relation to the purpose
for which it was originally collected/processed.
the individual withdraws consent.
the individual objects to the processing and there is no overriding
legitimate interest for continuing the processing.
personal data was unlawfully processed (i.e. otherwise in breach of
personal data has to be erased in order to comply with a legal obligation.
personal data is processed in relation to the offer of information society
services to a child.
This website may contain links
to third-party websites, including Facebook and Twitter, which have privacy
policies that differ from ours. We are not responsible for, and do not
endorse, any of the activities that take place on third-party sites. Please
any personal information. Contact those sites directly if you have questions
about their policies.
You will be directed to a third-party
lender upon your application being successful, please do ensure you read
and confirm the terms and conditions supplied to you by your lender before
proceeding with your loan. Any questions that arise from the loan agreement
must be directed to your lender.
We would like to advise you
that our lenders do use an automated method upon receiving your details
from ourselves, this is for your safety. They review such details as Age,
Employment Status, Income and Residence. If you feel that the relevant
information has not been captured through our application form, such as
a second income, then you have the right to inform the lender of these
details, so their decision is made after they have been fully informed.
We feel that we capture all relevant details, but of course, each person
is different and has the right to provide all of their details accurately
to the lender. If you have any queries or need to contact the lender,
please contact us at email@example.com.
of Personal Data
In the event we have to process
your special categories of personal data, we will notify you in advance
and seek your approval prior to disclosure of such information. Under
the Act, special categories of personal data include the following:
Racial or ethnic makeup;
Political opinion or trade union membership;
Suspected or proven criminal activity (including any proceedings).
Transfer of personal
data to a country outside the European Economic Area
We may transfer any personal
data we hold to a country outside the European Economic Area ("EEA"),
provided that one of the following conditions applies:
The country to which the personal data are transferred ensures an adequate
level of protection for your rights and freedoms.
You have given your consent. By submitting your information via this
Site, you expressly consent to this data transfer. You may withdraw
your consent at any time by writing to us by post or email at the address
The transfer is necessary for one of the reasons set out in the Act,
including the performance of a contract between us and you, or to protect
your vital interests.
The transfer is legally required on important public interest grounds
or for the establishment, exercise or defence of legal claims.
The transfer is authorised by the relevant data protection authority
where we have adduced adequate safeguards with respect to the protection
of your privacy, your fundamental rights and freedoms, and the exercise
of your rights.
Subject to the requirements
above, personal data we hold may also be processed by staff operating
outside the EEA who work for us or for one of our suppliers. That staff
maybe engaged in, among other things, the fulfilment of contracts with
you, the processing of payment details and the provision of support services.
us in measuring customer behaviour and assessing the traffic on the Site.
Information about your browsing habits may be stored temporarily as “cookies,”
to improve your Site experience. No personal information, such as your
password, physical location, or other such identifying information, is
created or stored through this process. However, information gathered
as a cookie may be shared with third parties for advertising reasons.
We will not share personal, non-public information to third parties without
your prior approval.
A cookie is a small text file
that is placed on your computer when you access the Site. It allows us
to recognize you and your preferences each time you visit the Site.
Most web browsers automatically
accept cookies for your convenience. You can disable cookies by changing
your browser settings. Please be aware that disabling cookies might change
your Site experience, including making it more difficult to access some
pages and features currently on the Site, or which might be on the site
in the future.
To change your browser settlings
to enable to disable cookies, identify your browser type and follow these
Internet Explorer 6.0 or 7.0
the “Tools” gear on the browser window, and select “Internet Options”
the “Privacy” tab
the “Advanced” button
the box “Override automatic cookie handling”
“Block” or “Prompt” for first-party and third-party cookies as suit
on the toolbar and select “Options”
on the “Privacy” tab
the “History” section, select how Firefox remembers your history
can also remove individual cookies
“Safari” from the menu and select Preferences
the options available for cookies
We do not direct the Site to,
nor do we knowingly collect any personal information from, children who
have not reached the age of eighteen (18). You must be eighteen years
of age or older to become a network affiliate or use the consumer-facing
services available on the Site.
Changes to this policy
We reserve the right to change
this policy at any time. Where appropriate, we will notify data subjects
of those changes by mail or email.
If you have questions or concerns
about this Policy, please contact us via email at firstname.lastname@example.org,
or by post to Apt 12095, Chynoweth House, Trevissome Park, Truro, Cornwall
TR4 8UN. You may also contact us at 0208 050 2564. If we need to
contact you concerning your information, we will do so by either email,
telephone, or post.