legal and privacy statements
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:
- death or personal injury caused by negligence as defined in by the Unfair Contract Terms Act 1977
- or 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.
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 24 March 2009.
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 rating 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:
- disclose information about that person and anyone else referred to by you; and
- authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you.
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 will pass this information to fraud prevention agencies and other organisations to prevent fraud and money laundering.
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 for example to:
- prevent fraud and money laundering
- verify your identity if you or your financial associate applies for other facilities including all types of insurance applications and claims
- assist other organisations to make decisions on credit and credit related services or other facilities
- trace your whereabouts and recover debts that you owe
- checking details on applications for credit and managing credit and credit related accounts and other facilities andundertake statistical analysis and system testing.
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 9108 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
- 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
- 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
- Any body having a legal right to your personal information, including the police and any other legal and regulatory authorities and government bodies
- 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
- 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 9108.
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:
- 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
- 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
- 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 period
- We will keep other information about you if it is necessary for us to do so to comply with our legal obligations.
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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, to address security hazards and to track website traffic we 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. If you wish to opt out having a
cookie used on your computer by our tracking system, please click here.
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 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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