This website is owned and operated by JDB Enterprise Group Limited and protecting your data is of prime importance to us. We are committed to protecting your privacy. Below we will explain how we use information collected about you and what security measures we have in place to protect your information. We are committed to protecting the privacy of visitors to the website in accordance with the Data Protection Act 1998 (the "Act"). Please read the following information which will help you understand how your personal data may be used.
We know how important it is to protect and manage the information you share with us. To ensure the integrity of our security measures we use computer safe guards such as firewalls and data encryption. We also enforce psychical access controls to our buildings. Employee access to your information is limited to those who require it to fulfil their job role. When you share information with us through our website this is protected by secure socket layer (SSL) encryption.
Collecting your information
We will collect information about you in several ways:
Also personal and financial information you submit (or we collect), we may collect information about your computer including, where available, your IP address, operating system and browser type – This is for the purposes of system and loan administration and product improvement.
We may also record and/or monitor calls for quality checks and staff training. Such recordings may also be used to help us combat fraud.
Information we collect about you
We will only collect information from you which will assist us in providing a service to you, as requested by you. We will not keep your personal data for longer than necessary to provide the service, or as required by law.
We will use the information you provide to determine the availability of our services to you. We use an automated process that helps us decide whether we lend in your area and whether you meet our eligibility criteria. When you submit your details for online application we use SSL encryption to protect your information. All of your information is stored on our secure serves and is reviewed regularly to ensure its up to date.
How Information About You Will Be Used
1. We will use your information to:
1.1 process loan applications submitted by you;
1.2 manage your account(s) with us;
1.3 provide our services to you;
1.4 contact you in relation to other products and services;
1.5 undertake research, assessment and analysis (including credit and/or behaviour scoring to enable us to develop and improve our services to you and other customers and to protect our interests; and
1.6 for the purpose of assisting you in obtaining a loan with a third party lender
2. 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 in paragraph 1 above.
3. “Your information" means personal and financial information about you that we:
3.1 obtain from you or from third parties, such as credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations;
3.2 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.
Disclosure to 3rd parties
We may disclose your information to our agents, group companies, or third party research organisations. We will not disclose your information to any other parties except at your request or where we are required to do so by law or under the protection of a contract which will protect your rights and to carefully selected third party companies for marketing purposes (please see the direct marketing declaration below for more information). If we are unable to offer you a loan, and if requested by you, we may forward your details too other responsible third party lenders for the purpose of assisting of you in obtaining a loan.
We may also compile and disclose statistics about our users and their preferences. However, these statistics are anonymous and do not identify individual users.
You must be over the age of 18 to use this Website. Children are not permitted to use this Website.
TID_VALIDUSER - PERSISTANT COOKIE
To keep track of the user once logged in. No personal information is stored.
By continuing with this application you agree that:
(1) We may contact you by post, telephone and/or email (or such other channel we may adopt from time to time) about services and/or products offered by us, or by other group companies which we consider to be of interest to you.
You have the right at any time to stop us from contacting you or giving your details to others for marketing purposes. If you wish us to stop, please write to the DPA Officer, JDB Enterprise Group Ltd, Enterprise Office, 73 Blenheim Way, Bragbury End, Stevenage, Hertfordshire, SG2 8TD, or email us at firstname.lastname@example.org.
Credit reference Agencies and Fraud Prevention
When you apply to us for a loan, we check the following records about you (and others where applicable):
Whether or not your application is successful, when CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. Large numbers of applications within a short time period could potentially affect your ability to obtain credit, this is applicable whether you have been accepted or declined by us.
They, and we, may also link your records with those of your financial associate(s) including any previous and subsequent names; these links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this. This is called a “disassociation” and if you need to request a disassociation, please contact the CRAs directly (contact details are set out below for Equifax, Call Credit, Experian).
The CRAs will supply us with public information (including the electoral register, county court judgements and bankruptcies) as well as shared credit and fraud prevention information.
We may also make periodic soft searches at CRAs and FPAs to manage our relationship with you.
Information provided by you on our applications will be sent to CRAs and will be recorded by them for 6 years. We and other organisations may access and use this information to prevent fraud and money laundering and CRAs and FPAs may use your information for statistical analysis. Information held by CRAs and FPAs will be disclosed to us and to other organisations in order to (for example):
When you borrow from us, we will give payment details of your loan and how you manage it to the CRAs. If you borrow and do not repay in full and on time, the CRAs will record the outstanding debt and, in some cases, the length of time that the debt remains outstanding; other organisations may see these updates and this may affect your ability to obtain credit in the future.
If you fall behind with your payments and a full payment or satisfactory proposal is not received within 28 days of a formal demand being issued, then a default notice may be recorded with the CRAs. Any records shared with CRAs will remain on file for 6 years after your account is closed, whether any outstanding sums have been settled by you or following a default.
If you give us false or inaccurate information and we have reasonable grounds to suspect fraud or we identify fraud we may record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention including law enforcement agencies who may then access this information.
The CRAs that we use are Equifax Limited (registration number 2425920) with registered office at Capital House, 25 Chapel Street, London, NW1 5DS.
If you have any further questions about our use of CRAs or FPAs please contact us at email@example.com
Data Protection Compliance Officer
If you want to know what data we hold about you, or to have access to that data, or amend it on accordance with the "Act", please contact the DPA Officer at the above address.
If you have any questions/comments about privacy, you can contact us by emailing us direct at firstname.lastname@example.org, or in writing to us at Fast Loan UK, Enterprise Office, 73 Blenheim Way, Bragbury End, Stevenage, Hertfordshire, SG2 8TD