Who we are
S.D. Taylor Limited, trading as Loans at Home, of 7 Turnberry Park Road, Gildersome, Morley, Leeds, LS27 7LE is the data controller responsible for your personal data.
S.D.Taylor Limited is part of the Non-Standard Finance plc group of companies which includes Everyday Loans Limited which also trades as Trust Two, George Banco.com Limited and George Banco Limited (together “LAH”, the “NSF Group”, “we” and “us”). These companies will share your personal data.
This notice sets out in clear and plain language our commitment to protecting and respecting your privacy and your data rights as required by the General Data Protection Regulation 2016 (the “GDPR”). If there is anything you do not understand after reading it please contact us using the details you will find below.
Here is where we explain:
• what information we may collect and how we may collect it,
• how and why we may use it,
• how we keep it secure,
• your rights in respect of your personal data
It applies whenever we collect your personal data (including when you use our website or other digital platforms), so please read it carefully.
We update this policy periodically (it was last updated on 28th August 2016) so feel free to return to this page and read it again from time to time.
The types of personal data we use and its sources
In order to operate our business and provide our products to our customers, we gather several different categories of personal data.
Some of this data we gather directly from you either online, through our Customer Relationship Centre, or via our Agents during the loan application process and then afterwards during the term of the loan, some we obtain indirectly by reason of your interactions with us on our website and some from third party sources where you give us permission or it is necessary to perform the contract or comply with a legal obligation such as credit references agencies, fraud prevention agencies, other companies within the NSF Group, your bank, any third party you might seek assistance from which contacts us on your behalf.
These categories of personal data include:
• financial and employment data that you provide or we obtain from credit reference agencies or your bank if you pay using alternative means
• personal data about you such as name, date of birth, address, mobile number and such may include family and relationship information where you have dependents or share your home with people
• transactional data that we obtain during the time you have a contract with us
• technical data we capture from the devices and technology you use to interact with us such as IP addresses, the type of mobile browser (i.e. Internet Explorer) you are using to access the site
• special types of data that you specifically consent to allow us to use such as data relating to the religious or ethnic origin, religious beliefs, genetic and biometric data, health data and data relating to any criminal convictions and offences
• socio-economic data that we gather to perform analyses of you and your account
• marketing preferences
|Why we use your personal information||Our reasons||Our legitimate interests|
|Managing your relationship with us.||Contract|
|Developing new products and service to meet our customers’ needs||Legitimate Interest||Product development.
Informing you about our products and services which we think may interest you
|Advertising our products and services||Legitimate Interest||Product development.
Informing you about our products and services which we think may interest you
|Analysing how our customers use our products and services||Legitimate Interest||Product development.
Informing you about our products and services which we think may interest you
|Conducting market research into our customer base||Legitimate Interest||Product development.
Informing you about our products and services which we think may interest you and understanding product needs.
|Contacting our customer base as part of our commitment to customer service and quality assurance||Legitimate Interest & Contractual performance. Legal obligation||Keep you aprised of developments and seek feedback|
|Managing our relationships with third parties that provide services to enable us to provide services to you.||Legitimate Interest & Contractual performance. Legal obligation||Marketing purposes|
|Developing your relationship with us should you choose to work with us||Contractual performance|
|Delivery of our products and services. Management of customer payments. Managing interest due on customer accounts.
Collection of money that is owed to us.
|Detection, investigation, reporting, and prevention of financial crime.
To manage risk for us and our customers.
To obey laws and regulations that apply to us.
|Legal obligation and legitimate interest||Developing methods to prevent financial crime.Effectively fulfilling our legal and contractual duties.|
|Effectively operating our business by the management of our financial position, business capability, planning, communications, corporate governance, and audit.||Legal obligation and legitimate interest||Effectively fulfilling our legal and contractual duties.|
Who we share your data with
We may share your personal data with any member of NSF Group. We may also share your personal data with the following categories of third party, any such sharing data will be under a contract requiring compliance with rules protecting your privacy:
• Third Parties who we use to provide support services such as providers of postal services and IT support services.
• Agents who we use to perform our contracts.
• Collection agencies who we use to collect monies due if you fail to pay us.
• Advertisers and advertising networks.
• Third party agencies who we use to fulfil a specific marketing or communications function i.e. Market research Agencies, Printers or agencies who liaise with printers to produce sales mailings or regulatory mail.
• Analytics and search engine providers.
• Credit reference agencies.
• Fraud prevention agencies.
• The Financial Conduct Authority and other regulators.
• Third parties that you ask us to share your personal data with such as your bank or a money advisor.
• IT providers.
• Price comparison websites such as Lenders compared.
• Companies which we may wish to buy or which might wish to buy us.
• Business partners from which we require services, such as our banks.
We need to collect personal data from you for performance of a contract and for compliance with our legal obligations. You may refuse to provide us with your personal data at any time in our relationship because you object to such processing but if you do so we will not be able to provide you with credit or may have to terminate our relationship with you. If you do withdraw consent where we have asked for it this will not invalidate the use of your personal data prior to the withdrawal.
Sending Personal Data outside the EU
We may send your personal data outside the EU in order to enable us to perform the contract, comply with a legal obligation or where we have a legitimate interest.
Before we send any personal data to an organisation outside the EU we will make sure it is protected to the same or similar standards as if it was being used within the EU by means of contracts between us and the overseas processor or in reliance on the EU Commission’s finding of that country having adequate data protection provisions in place. If the personal data is processed in the USA we will ensure that the processor is subscribed to the Privacy Shield which establishes common privacy standards between the US and EU.
Automated Decision Making and Profiling
Prior to any loan being agreed with you we will use your personal data to make automated decisions. This is done in order to determine whether we wish to enter into a contract with you and to determine your creditworthiness in the quickest, fairest and most legally compliant way using credit scoring and past payment history to predict future performance. We will also monitor your account using automated means for fraud detection and crime prevention purposes.
The automated decision may result in us declining your loan application altogether or offering you a lesser amount than that sought by you.
We regularly test our credit scoring model to ensure it is working appropriately and accurately.
If you are dissatisfied with the result of this automated processing you have the right to seek an explanation and request a person review the decision.
Sharing your data with Credit Reference and Fraud Prevention Agencies
In order to process your application, we will perform credit and identity checks on you with one or more credit reference and fraud prevention agencies (“CR/FPAs”).
To do this, we will supply your personal information to CR/FPAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CR/FPAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
We will use this information to:
· Assess your creditworthiness and whether you can afford to take the product;
· Verify the accuracy of the data you have provided to us;
· Prevent criminal activity, fraud and money laundering;
· Manage your account(s);
· Trace and recover debts; and
· Ensure any offers provided to you are appropriate to your circumstances.
We will continue to exchange information about you with CR/FPAs while you have a relationship with us. We will also inform the CR/FPAs about your settled accounts. If you borrow and do not repay in full and on time, CRA/FPs will record the outstanding debt. This information may be supplied to other organisations by CR/FPAs.
When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. If we notify them of criminal activity on your account they will keep a record of this which may result in other organisations refusing to provide you with services or employment.
If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at TransUnion and Experian
You have a number of rights in respect of how we use your personal information.
You have to right to withdraw consent at any time and require us to cease any data processing which we are undertaking relying solely on consent.
You have the right to ask us to rectify any inaccuracies in your personal information.
You have the right to ask us to erase or restrict processing your personal information if it is no longer necessary for us to process in accordance with any contract or legal obligation or legitimate interest.
You have the right to ask us to cease or not to process your personal data for marketing purposes.
You can exercise the above rights by contacting us by post at S. D. Taylor Limited (trading as Loans at Home), Loans at Home, Quantum House, 290 Leek Road, Stoke on Trent, ST4 2BX, by telephone on 0800 011 4490 or by email at firstname.lastname@example.org.
Access to CRA information
You also have a right to access information credit reference agencies hold about you. To access this information you must contact them directly. Our current credit reference agency provider, TransUnion can be contacted on 0330 024 7574.
If you are dissatisfied about how we have used your personal data you can contact us using the same methods outlined above. Alternatively, you also have the right to complain to the Information Commissioner’s Office though they will ask you whether you have raised the matter with us beforehand. Find out how to report a concern on their website: ico.org.uk/concerns
We will keep your personal data for as long as you are our customer. After you stop being a customer for any reason we will keep your personal data for no longer than 6 years. We do this because we are obliged to hold transactional data for up to 5 years anyway and in order to answer any regulatory inquiries or respond to any complaints during this period.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
What are cookies?
A cookie is a small file of letters and numbers that we store on your browser of your computer if you agree. We store corresponding information to the one we set in your browser and in this file we can track and keep information on your movements within the site and any information you may have given while visiting the site.
There are two types of cookies: session cookies and persistent cookies. Session cookies are created temporarily in your browser’s subfolder while you are visiting our site. Once you leave the site, the session cookie is deleted. Persistent cookie files remain in your browser’s subfolder for a period of time after you have visited our site.
You can find out more about cookies by visiting http://www.allaboutcookies.org/
We use the following session and persistent cookies:
Strictly necessary cookies. These are cookies that are required for the operation of our site. They include, for example, cookies that enable you complete a loan application form on our site.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our site when they are using it. This helps us to improve the way our site works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our site. This enables us to personalise our content for you and remember your preferences.
Targeting cookies. These cookies record your visit to our site, the pages you have visited and the links you have followed. We will use this information to make our site and any advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:
|_gat||This cookie enables us to throttle request rates.|
|_ga||This cookie enables us to distinguish unique users.|
|_utmv||Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie is also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.|
|_utmx||Used to determine your inclusion in an experiment.|
|cookies-allowed||Records your response to the cookie acceptance message.|
|lc_amount||Remembers your selected loan amount from the loan calculator and passes it through to the application form.|
|lc_term||Remembers your selected loan term from the loan calculator and passes it through to the application form.|
|seen-disclaimer||Records whether you have the representative APR banner open or closed.|
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.