Welcome to speed-e-loans.com. We take your security and the use of your personal information very seriously. Our Privacy Policy applies to all existing and previous customers and we reserve the right to update or modify this policy at any time. Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please read our loan terms and conditions, which provide more details of our processing and should be read in conjunction with this privacy policy. By visiting and using our Website, you consent to the practices described in this Privacy Policy please see ‘Cookies’ section below.

How your information will be used

We will use your information to:

• Process loan applications submitted by you;
• Manage your account(s) with us and to send you statements;
• Provide our services to you;
• Contact you in relation to other products and services; and
• Undertake research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) to enable us to develop and improve our services to you and other customers and to protect our interests.

We will store and process your information on our computers and in any other way we need to so that we can carry out the activities as above.

By ‘your information’ we mean personal and financial information about you that we:

• Obtain from you or from third parties, such as credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations; or
• Learn from the way you use and manage your account(s) with us (including from the transactions and payments made to your account with us).

Your consent

You accept this Privacy Policy when you submit your personal details and use our service. You also expressly consent and agree to the disclosure and use of your personal information as set out and in the manner prescribed below.

Telephone calls

We will monitor and/or record telephone calls from and to you in the interests of customer service and for training purposes. This may be done either by ourselves or reputable organisations carefully selected by us to ensure consistent servicing levels and account operations.

Your security

We take the need for the protection and management of your personal and financial information very seriously. Your information is protected using secure socket layer (SSL) encryption technology and we also restrict access to your information by our employees. We store data in encrypted form on computers and control access via secure web pages. We use firewalls and other security technologies to protect our servers. Our security systems meet or exceed industry standards and we regularly test our systems to ensure they are secure and up to date with the latest developments. We also strictly comply with data protection laws.

Data collection

We collect information directly from information submitted by you on your online application, from credit bureaus, and third party information providers. We may use data that identifies you for (but not restricted to) customer and loan performance analysis, to develop our products, to influence future lending policy, to update your records; to identify and prevent fraud or potential fraud or money laundering or any other criminal activities or suspected criminal activities of any nature whatsoever, to market our or our partners products to you, to carry out regulatory checks, or carry out market research.

Further data collection

In addition to the above, we collect information about your computer including your IP address, browser type and operating system, for administration and to report aggregate information to our partners and advertisers.

This statistical data about browsing actions and patterns does not identify you as an individual.

Phone calls to speed-e-loans.com may be recorded and monitored for call quality and staff training, and to help us combat fraud.

Cookies

We use cookies to obtain certain types of information when your web browser accesses our website. We may also obtain information about your internet usage by utilising a cookies which are stored on the hard drive of your computer if you agree. Cookies enable us to improve our service to you and help us to recognise you when you return to our website. Cookies may also be used by our partners to analyse marketing and traffic volume.

Web browsers are usually set to accept cookies. You can change your settings to refuse cookies including third party cookies but in doing so we cannot guarantee that your user experience of our site will operate as efficiently or correctly as it should.

We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.

We use aggregated customer information to help us understand how our website is performing commercially and what we can do to improve performance. We may provide this information to other companies, such as third party advertisers. This information does NOT include any personal details that can be used to identify individuals.

If you do not want to receive cookies from us, please follow the procedures below. These procedures do not apply to cookies sent by our business partners.
Cookies used by Speed-e-loans.com

• Mvine_Session. Session cookie recognising application and allowing customer to successfully complete a loan.
• w3tc_referrer. W3 total cache cookie for user experience and consistency of sessions.
• __utmz, __utma, __utmc, __utmb. Google Analytics cookies, used for page stats

How to Find and Control Your Cookies

If you’re using Internet Explorer 6.0 or 7.0:

• Choose Tools, then:
• Internet Options
• Click the Privacy tab
• Click on the ‘Advanced’ button
• Check the ‘Override automatic cookie handing’ box and select Accept, Block or Prompt for action as appropriate.

If you’re using Mozilla Firefox:

• Choose Tools, then:
• Preferences
• Advanced
• Select Cookies
• Select your settings using the available options.

If you’re using Opera 8+:

• Choose Tools, then
• Preferences
• Advanced
• Select Cookies
• Select your settings using the available options.

If you’re using Safari:

• Choose Safari, then
• Preferences
• Security
• Select options by Accept Cookies as required.

If you’re using Google Chrome:

• Choose Chrome, then
• Preferences
• Under the Hood
• Content Settings
• Set your options within the Cookies section.

How do you know which of the sites you’ve visited use cookies?

If you’re using Internet Explorer:

• Choose Tools, then
• Internet Options
• Click the General tab
• Click Settings
• View Files

If you’re using Mozilla Firefox:

• Choose Tools, then
• Options…
• Privacy
• Cookies
• Click the Show Cookies button.

If you’re using Opera 8+:

• Choose Tools, then
• Advanced
• Click Cookies.

If you’re using Safari:

• Choose Safari, then
• Preferences
• Security
• Click Show Cookies button.

How to see your cookie code

Just click on a cookie to open it. You’ll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.

For more information about cookies, please visit allaboutcookies

Who will we give your information to?

We may give your information to: carefully selected third parties (such as other financial services companies) so that they can contact you about other products and services that may be of interest to you; credit reference and fraud prevention agencies; people who provide a service to us or act on our behalf, on the understanding that they will keep the information confidential. If they are located in another country (which may be outside the European Economic Area) we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us;

• Any third party who introduced you to us so that they can contact you and for their own accounting and administration purposes; and
• Anyone to whom we transfer or may transfer our rights and duties under this agreement.
• We may also give out information about you if we have a duty to do so or if the law requires or allows us to do so.
• We, and carefully selected third parties, will use your information to inform you by post or telephone, about other products and services (including those of third parties) which we believe may be of interest to you from time to time. If you do not wish to receive such information then please tick the box.
• If you are not eligible for a loan at this time you agree that we may contact you by post to offer you alternative products (including those of third parties) and that we may pass your details to other financial services companies for them to send you details of their products by post. If you do not wish to receive such information please tick this box.

All providers are contracted to maintain the highest security of your personal information.

Selling your data

We may sell the data we collect on you (or pass it on in other ways) to our selected third parties who may use it to contact you by post, telephone, email, SMS or other ways in relation to goods or services they feel might be of interest to you, whether or not we lend to you. In addition, we may disclose your information to a third party:

• In the event we sell or buy any business or other assets (we may disclose your personal information to the seller or buyer)
• If our company or business disposes of all or part of its assets to a third party (personal data held may well be one or more of those assets)
• If we are legally required to disclose your personal data or wish to enforce our terms and conditions.

Under the Data Protection Act 1998, you have the right to access certain personal records a credit reference agency and fraud prevention agency or that we hold if it relates to you. This is known as a ‘subject access request’. In order to facilitate this, please apply in writing to customercare@speed-e-loans.com.

Credit reference and fraud prevention agencies

When you apply for a product from us you confirm that all the information you have given to us is true and complete.

When you apply for a product or service from us you authorise us to check the following records about you:

• Our own; and
• Those at credit reference agencies (CRAs). The CRAs that we check records with are listed below. When CRAs receive a search from us they will add details of our search and your application to your credit records that may be seen by other lenders. They supply to us public information (including the electoral register), shared credit information and fraud prevention information; and
• Those at fraud prevention agencies (FPAs).

We will make checks with CRAs and FPAs such as assessing your application for credit and following approval of your application, we may also make periodic searches at CRAs and FPAs to enable us to manage your account with us.

Once you have an account with us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow from us and do not repay in full and on time, we will register such information with CRAs who will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe.

If false or inaccurate information is provided by you or fraud is identified, we will record this and pass the details to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities;
• Managing credit and credit related accounts or facilities;
• Recovering debt;
• Checking details on proposals and claims for all types of insurance; and
• Checking details of job applicants and employees.

Third party links

If you follow a link to any third party websites, please note that these will have their own terms and conditions. We do not accept any responsibility or liability for them. Speed-e-loans.com may send you offers from third party companies, and while we try to ensure that our partners comply with our standards, we cannot and are not responsible for their services.

Age

You must be at least 18 years of age to register.

Your rights

You have the right to ask us not to process your personal data for marketing purposes. You can exercise your right to prevent such processing at any time by contacting our Customer Relations Department at the address below, by sending an email to customercare@speed-e-loans.com or by calling 0844 879 3199 (Calls to this number cost 10 pence per minute from a BT landline. Other networks and mobiles can be considerably higher.)

You also have the right to access information that we hold about you for a small fee. If you require details of the information that we hold about you, please write to our Customer Relations Department at CRD, Speed-e-loans.com Ltd, PO Box 728, Borehamwood WD6 9GU.

Our main business is consumer lending and we provide short term credit facilities. We are licensed by the Office of Fair Trading, 40 Uxbridge Road, Ealing, London, W5 2BS; and our consumer credit licence number is 630005. We are registered at Companies House under number 6781893. We are a member of the BCCA Membership No: 4715

How to find out more

If you would like more information write to our Customer Relations Department, Speed-e-loans.com Ltd, PO Box 728, Borehamwood, WD6 9GU

You can also contact the CRAs that we use. We have set out their contact details below. The information they hold may not be the same so you may wish to contact them all. They will charge you a small statutory fee:

• CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
• Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
• Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk.
• Teletrack UK Limited, 6th Floor (South Tower), 26 Elmfield Road, Bromley, Kent BR1 1WA