Privacy Policy

We take the privacy and security of our visitors very seriously.
Our Privacy Policy applies to all customers who visit our website and may change from time to time. We reserve the right to update or modify this Policy at any time. Our services are strictly for persons aged 18 years and over.

We are Leadtree Global Limited. Authorised and regulated by the Financial Conduct Authority reference number 728649. Registered in England No. 08526321. Our address is DJS (UK) Limited, 28 Avenue Road, Bournemouth, Dorset, BH2 5SL. Registered with the Information Commissioner's Office No. ZA029756.

Keeping your personal information safe and secure is our top priority. That’s why we want to notify you of some changes to our privacy policy in readiness for the introduction of the new data protection law on 25 May 2018.

The changes don’t alter what we use your personal information for but make it easier for you to find out how we use, process and protect your information. The fact that the law is changing only builds on what we already do today – and that is to give your personal information the respect and security it deserves.

Our Privacy Policy applies to all customers who visit our website and may change from time to time. We reserve the right to update or modify this Policy at any time. Our services are strictly for persons aged 18 years and over.

Contents

  1. Your Consent
  2. Cookies
  3. Security
  4. Collecting your Information
  5. Use of your Information
  6. Data Retention
  7. Contact from Leadtree Global and third parties
  8. Third Party Links

By submitting your details and/or using our service you accept this Privacy Policy and are expressly consenting to the processing, use and disclosure of your personal information as described below. If you do not consent, we will not be able to process your application as your personal data is integral to the product you are applying for.

We place cookies or similar technologies on the machine you use to visit our site and/or you use to make an application. This is primarily to make it easier for you to access and navigate the website. By continuing to use our website, you are giving your consent to do this. More information about cookies is set out below.

Cookies

This information does not identify any individual. We may also obtain information about your general Internet usage by using a cookie file that is stored on the hard drive of your computer, which again does not identify any individual. This information is sent back to the server each time the browser requests a page from the server that enables the web server to identify and track the web browser. For more information about cookies, please visit http://www.allaboutcookies.org. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences and recognise you when you return to our site.

You can set your web browser to refuse cookies (or just to refuse third party cookies), but if you do this you may not be able to enjoy full use of the site. Please note that any third parties who may advertise on our site may also use cookies, but we do not have access to, or control over them.

Security

We recognise the need for appropriate protection and management of the personal and financial information you share with us and believe that our systems meet and exceed industry standards. We protect that information using secure socket layer (SSL) encryption technology. We store data in encrypted form on computers and control access via secure web pages. We use firewalls and other security packages to protect us from external attack.

We also test our systems to make sure they meet these expected standards.

Collecting Your Information

We collect information about you in two ways - directly from your online application - the personal and financial information you submit and also from outside sources such as credit bureaus and customer service providers.

You will be fully aware of the information collected about you as you are required to complete the information.

You have the following rights in relation to the data we hold about you:

  • The right to be informed about the processing of your personal data (Privacy Policy);
  • The right to have your personal data corrected if it’s inaccurate or completed if we hold incomplete personal data;
  • The right to object to the processing of your personal data;
  • The right to restrict the processing of your personal data;
  • The right to have your personal data erased;
  • The right to request access to your personal data;
  • The right to move, copy or transfer your personal data;
  • Rights in relation to automated decision making.

In certain cases separate consent is not required, including the performance of a contract, to meet legal obligations and for legitimate interests.

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

Use of Your Information

We may share the information you submit with third parties involved in the process of providing the services you request, such as lenders, credit bureaus, customer service providers and collection agencies. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the security of your personal information.

Our partners 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 offer to you or other individuals in the future. Most lenders might use this for up to 12 months.

Under the General Data Protection Regulations, we are classed as the data controller and may use data that identifies you ("your personal data") for: statistical analysis; to develop and improve our products; to update your records; to identify which of our, or others' products might interest you; to assess lending and insurance risks; to identify, prevent, detect or tackle fraud, money laundering and other crime; to carry out regulatory checks; keeping you informed about your loan and for market research.

We will keep your personal data confidential and only give it to others for the purposes explained. In particular:-

  • To our agents and subcontractors, acting for us, to use for the purpose of operating our lending business and obtaining payment;
  • To share information via an organisation which provides a centralised application matching service which it collects from and about mortgage and/or credit applications, for the purpose of preventing and detecting fraud;

By submitting your details and agreeing to the terms of this privacy policy you accept and expressly consent to the use and disclosure of your personal information in the manner described. In particular Credit Reference Agencies – CRAs.

Data Retention

We will retain your information for as long as there is a business relationship with us. We will also retain your personal data as necessary to comply with our legal obligations, resolve disputes and enforce our agreements.

You have the right to have your personal information:

  • Amended;
  • Corrected;
  • Deleted;

You will need to contact us to let us know if you want to do this.

Contact from Leadtree Global and third parties

As part of the application process, we ask you whether we, or any of our trusted third party partners may contact you about products and services by telephone, post, email and SMS (or other reasonable method). If you ticked "yes" but no longer wish to receive such communications, please let us know.

Our partners 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 offer to you or other individuals in the future. Most lenders might use this for up to 12 months.

If you select the box to share your information with selected third parties you agree to receive communications from those listed at the time of consent. We carry out due-diligence on each party that we work with to ensure your personal data is secure and that the communication you receive is relevant. The following communication types may be sent to you if you consent:

  • unsecured loan providers, secured loan providers, short term lenders, alternative lenders, peer to peer lenders, guarantor lenders
  • credit cards
  • prepayment card and bank account providers
  • car finance, logbook loan lenders
  • insurance services such as car insurance, home and contents insurers
  • debt and property possession adjusters/advisers
  • compensation advisers
  • debt management companies, insolvency practitioners, bankruptcy specialists
  • equity release arrangers and credit reference advisers

If at any time you wish to stop receiving contact from a third party, you will need to follow the instructions about unsubscribing provided at that time by the third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes.

You can ask for details of all of the lenders and brokers on our panel at any time. We do not list details of the brokers and lenders here as the panel is constantly being updated.

Third Party Links

Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. By registering at Leadtree Global you may receive follow-up contact and offers from third party companies and, while we only work with selected partners, we are not responsible for the services or representations of third parties.

Finally, we are subject to UK data protection laws, which we comply with fully and to which we give the greatest respect. We are registered with the ICO and our reference number is ZA029756. You have the right to complain to the ICO if you believe we have contravened any of the requirements.