LEGAL INFORMATION AND
PRIVACY STATEMENT
Please read this
information carefully. This legal notice applies to the entire
contents of the Website under the domain name
www.everyday-loans.co.uk (the "website") and to any
correspondence by e-mail between you and us.
By
accessing and using this site and any of its pages, you agree
to be bound by the matters referred to below. If you do not
accept this legal notice in full, you must leave this website
immediately. Copyright © Everyday Loans Limited. All rights
reserved.
everydayloans is the trading style of
Everyday Loans Limited (Company Registration No. 5536115
England and Wales) whose registered office is at 10 Norwich
Street, London, EC4A 1BD and whose head office is at
Willowbank House, 84 Station Road, Marlow, Buckinghamshire,
SL7 1NX.
We are part of the Everyday Loans Group
("Everyday Loans") which comprises of Everyday Holdings
Limited, Everyday Loans Limited and Everyday Lending
Limited.
Trademarks
everydayloans
is a registered trademark and service mark of Everyday Loans
Limited. Everyday Loans Limited may also claim trademark and
service mark rights in other marks contained in the pages of
this site.
Use of information and
materials
The information and materials contained
in these pages - and the terms, conditions, and descriptions
that appear - are subject to change. We reserve the right to
revise this legal notice at any time by posting new terms and
conditions on the website. The current terms and conditions
displayed on this website are binding on you and the continued
use of the website after any changes in respect to our terms
and conditions constitutes your acceptance of these changes.
It is your responsibility to check this website from time to
time to review the current terms and conditions of this legal
notice.
Our products and services are currently only
available to residents of England and Wales. Your eligibility
for particular products and services is subject to our final
approval.
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No warranty
We have
tried to make the information on this website as clear and
accurate as possible. However, the information and materials
contained in this site, including text, graphics, links or
other items - are provided "as is", without any conditions,
warranties or other terms of any kind. We do not warrant the
accuracy, adequacy or completeness of this information and
materials and expressly disclaim liability for errors or
omissions in this information and materials. No warranty of
any kind, implied, express or statutory, including but not
limited to the warranties of non-infringement of third party
rights, title, merchantability, fitness for a particular
purpose and freedom from computer virus, is given in
conjunction with the information and
materials.
Limitation of liability
In no event will we or any of our associated
companies be liable for any damages, including without
limitation direct or indirect, special, incidental, or
consequential damages, losses or expenses arising in
connection with this site or use thereof or inability to use
by any party, or in connection with any failure of
performance, error, omission, interruption, defect, delay in
operation or transmission, computer virus or line or system
failure, even if we are advised of the possibility of such
damages, losses or expenses.
Nothing in this legal
notice shall exclude or limit our liability for:
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death or personal injury caused by
negligence as defined in by the Unfair Contract Terms
Act 1977; or |
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any other liability which cannot be excluded or
limited under applicable
law. |
Hyperlinks to other internet
resources are entirely at your own risk. If you use these
links, you leave this website. The content, accuracy, opinions
expressed and other links provided by these resources are not
investigated, verified, monitored, or endorsed by
us.
Submissions
All information
submitted to us via this site (other than personally
identifiable information which is covered by our privacy
policy) shall be deemed and remain our property. We shall be
free to use, for any purpose, any ideas, concepts, know-how or
techniques contained in information a visitor to this site
provides us through this site.
Any information (except
personally identifiable information) submitted to the website
shall be deemed to be non-confidential and non-proprietary. We
shall have no obligations with respect to such information.
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PRIVACY NOTICE
Introduction
This is the privacy statement of the Everyday Loans
Group (Everyday Loans) which comprises of Everyday Holdings
Limited, Everyday Loans Limited and Everyday Lending
Limited.
We understand that your privacy is
extremely important to you. As a result we have put in place a
number of measures to ensure that any personal data we obtain
from you is processed and maintained in accordance with
accepted principles of good information handling and also in
accordance with the Data Protection Act 1998. This statement
provides you with details of the type of information we may
hold about you, how we obtain and use any information and how
we protect your privacy.
We may amend this privacy policy from time
to time. This privacy policy was last updated on 12th August 2008.
Security of personal information
The security of personal information about you is our
priority. We protect this information by maintaining
physical, electronic, and procedural safeguards that
meet or exceed applicable law. We train our employees
in the proper handling of personal information. When
we use other companies to provide services for us, we
require them to protect the confidentiality of personal
information they receive.
There has been an upsurge in email 'phishing' activity,
where fraudsters send emails to customers and using
an array of deceptions, encourage them to give out sensitive
personal banking details. Please note, that we will
never ask you to send your personal or security details
or update them via email, and if you are ever asked
to do so, please call us first.
Use of your Information
Credit Reference Agencies
When you apply to us for a loan we will make
a search of your credit file with credit reference agencies.
We will use the information obtained in the credit reference
searches to help us decide whether or not to offer you
credit. We may also use the information to satisfy us
that the application has been made by you and that the
information provided on the application form is true.
Regardless of the outcome of the application, every
time a search is made on your credit file, the details
of the credit search are recorded on your credit file.
This information will subsequently be disclosed to any
other organisations that perform a credit check on you.
We will give details of your account and how you manage
it to credit reference agencies. If you borrow from
us and do not repay in full or change address and fail
to tell us about it, and payments are not made on time
we may inform credit reference agencies.
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Your Financial Associates
Your credit file may already be linked to records relating
to other people with whom you have a financial association.
When we process your application you may be treated
as financially linked with them and your application
will be assessed with reference to any such associated
records.
If you are a joint applicant or you tell us that you
are linked financially with another person, you are
declaring that you are entitled to:
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disclose information about that person and
anyone else referred to by you; and |
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authorise us to search, link or record information
at credit reference agencies about you and anyone else
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Your financial associates will continue to
show on your credit file until either you or one of
your financial associates successfully files for a disassociation
with the credit reference agencies. We will also link
joint applicants in our own records. We will continue
linking this information until the account closes or
is changed into a sole account and one of you notifies
us that you are no longer linked.
Fraud Prevention and Detection
Everyday Loans may make searches of records
held at fraud prevention agencies. If you give us false
or inaccurate information and we confirm fraud, we will
record this and may pass this information to fraud prevention
agencies and other organisations involved in fraud prevention. Full details of fraud prevention Agencies are available upon request from the compliance manager at our head office address.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Periodic Searches
We may make periodic searches of Everyday Loans Group
records, credit reference and fraud prevention agencies
to manage your account with us and to take decisions
regarding credit, including whether to extend credit.
These searches will not be seen or used by lenders outside
the Everyday Loans Group.
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Sharing your information
The information which we, other organisations and fraud
prevention agencies provide to the credit reference
and fraud prevention agencies about you and your financial
associates may be supplied by the credit reference and
fraud prevention agencies to other organisations and
used by us and them to:
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prevent fraud and money laundering, |
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verify your identity if you or your financial
associate applies for other facilities including all
types of insurance applications and claims, |
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assist other organisations to make decisions on
credit and credit related services or other
facilities, |
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trace your whereabouts and recover debts that you
owe, |
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manage credit and credit related accounts and other
facilities and |
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undertake statistical analysis and system
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If you have applied to us for insurance we
will pass your details onto the insurer to enable it
to provide the insurance cover. We may also pass details
of your account to the insurer for administration, claims
handling and fraud prevention.
If we are unable to provide you with credit we may pass
on your application to a credit broker, another lender
or a debt management company who may be able to assist
you in obtaining credit or other services that may be
of interest to you. The credit broker, other lender
or debt management companies may also use your information
to offer products that they feel may be of interest
to you.
If you do not want your information to be transferred
in this way please contact us at the address below or
call us on 0845 337 9129 and we will ensure that your
details are not passed onto such third parties.
If your application has been introduced to us by a credit
broker or other third party we will pass information
about your application to the introducer.
In addition we may disclose your personal details to
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Our insurers, auditors, solicitors,
professional advisers, sub contractors or any person
providing services to the Everyday Loans Group or who
are involved in the loan application, who have agreed to
treat your personal details as confidential. |
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Any proposed or actual transferee of the mortgage,
any funders of Everyday Loans Group or any proposed or
actual third party involved in any matter relating to
the administration of your loan with Everyday Loans
Group who have agreed to treat your details as
confidential. |
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Any body having a legal right to your personal
information, including the police and any other legal
and regulatory authorities and government bodies. |
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Any person where such disclosure is necessary to
enable us to ensure that your obligations under any
agreement or mortgage with us is being complied with and
to ensure that any security given in connection with any
loan is not at risk. |
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Any other third party with your
consent |
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Transferring your information
We may transfer, sell or assign your personal information
to third parties within or outside the European Economic
Area as a result of a sale, merger, consolidation, change
of control, transfer of assets or reorganisation of
the Everyday Loans Group or any member of the Everyday
Loans Group.
If this involves a transfer of personal information
to countries outside the EEA, we will only transfer
personal information to companies who guarantee to us
that they will provide the same level of protection
as that personal data would have received in the UK.
Marketing
We may record, use, exchange, analyse and assess information
held about you and your relationship with us. We may
occasionally use this information to give you information
by fax, mail, email, text message, mms or other form
of electronic communication about products and services
that may be of interest to you.
We may also pass this information to selected businesses
outside the Everyday Loans Group who may contact you
directly about services and products that may be of
interest to you.
If you do not want to receive marketing material from
us please contact us at the address below or 0845 337
9129.
Telephone calls
We may monitor and record telephone calls for staff
training and quality control purposes.
How Long Do We Keep Your Information?
This depends upon the basis on which it was provided.
Generally however:
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We will keep the information that is
necessary to enable us to provide you with a service
that you have requested for as long as it takes us to
provide that service. |
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We will keep your contact details for as long as we
have your consent to send you marketing information
and/or pass your contact details to third parties.
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We will keep records of any transactions you enter
into for a minimum of six years. This is so that we can
respond to any complaints or disputes that arise in that
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We will keep other information about you if it is
necessary for us to do so to comply with our legal
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Your right to see your
records
You have a right to
request access to your personal records held by Credit
Reference and Fraud Prevention Agencies. Please contact us at the addess below for a full list of agencies with whom we may record your details.
You also have a right, upon payment of the
appropriate fee (which is currently £10) to obtain a copy of
the information that we hold about you. If you wish to request
a copy of the information that we hold about you please write
to:
The Data Protection
Officer
Everyday Loans Limited
Willowbank House
84
Station Road
Marlow
Bucks SL7
1NX.
Internet privacy
This
section explains our policy regarding any personal information
you might supply to us when you visit this site.
When
using the public portion of the site you are not required to
provide us with any personal information and we do not monitor
or collect any personally identifiable information from you on
your use of the public portions of the site. We may track the
number of users who visit areas of the site, but this tracking
will not identify you. We may also record the location of your
computer on the Internet for systems administration and
trouble-shooting purposes and to report aggregate
information.
Communications via emails are transmitted
by insecure means. You accept that the communication with us
by emails and the use of the internet and our website is
entirely at your own risk. While we endeavour to ensure that
your information is protected, we accept no liability for the
security of any information transmitted by you via the
internet.
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Cookies
In order to
provide better service or to address security hazards, we will
occasionally use a "cookie". A cookie is a piece of
information which a web server may place on your computer when
you visit a website. Cookies are commonly used by websites to
improve the user experience and have not been known to
transmit computer viruses or otherwise harm your computer.
None will contain information that will enable anyone to
contact you via telephone, e-mail, or any other
means.
You can set up your Web browser to inform you
when cookies are set or to prevent cookies from being set,
however if you choose to reject cookies, you will not be able
to use our online services or website features.
We use
cookies for a number of purposes - for example, to maintain
continuity during a user session, and to gather data about the
usage of our website for research and other purposes. Our
cookies will not track your other Internet activity. Our
cookies typically do not gather personally identifiable
information. However, if your web browser is set to accept
cookies, we may combine our cookie data with personally
identifiable information which you provide to us (such as your
email address), so that you may receive marketing offers
specifically suited to your needs.
Cookies from
other Companies
We occasionally use other
companies to set cookies on our websites and gather cookie
information for us. However, these companies may only use the
information they gather for our purposes in accordance with
the terms of the contract they have signed with
us.
Governing Law and
Jurisdiction
This legal notice and privacy policy
shall be governed by and construed in accordance with English
law. Disputes arising in connection with this legal notice and
privacy policy shall be subject to the non-exclusive
jurisdiction of the English
courts.
Enforceability
If any part
of this website, including the legal notice or privacy
statement is found to be unenforceable, the unenforceable part
of the provision shall be removed and shall not affect the
validity of the remaining terms and conditions of the
website.
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