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 Lending Limited. All rights reserved.
Everyday Loans is the trading style of Everyday Lending Limited (Company Registration No. 5850869 England and Wales) whose registered office and head office is at Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS.
We are part of the Everyday Loans Group ("Everyday Loans") which comprises of Everyday Holdings Limited, Everyday Loans Limited and Everyday Lending Limited and our parent, Non Standard Finance PLC.
Everyday Loans is a registered trademark and service mark of Everyday Lending Limited. Everyday Lending 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 14 days before the relevant change(s) take effect. 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. If you do not wish to accept any changes you must not continue to use our website. 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.
We have tried to make the information on this website as clear and accurate as possible. However, we do not guarantee the accuracy, adequacy or completeness of the information and materials contained on this site and, to the extent permitted by law, are not responsible for errors or omissions in this information and materials.
Limitation of liability
In no event will we or any of our associated companies be liable for any damages, 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
- 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.
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.
This is the privacy statement of the Everyday Loans Group which comprises of Everyday Holdings Limited, Everyday Loans Limited and Everyday Lending Limited and our parent, Non- Standard Finance PLC. Everyday Loans is a trading style of 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.
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.
If you have received a phishing email, we advise you to forward the email to email@example.com and we will investigate it.
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. Initially Everyday Loans requests a Quotation Search. This type of search is visible only to you and the company performing the search, but not to other lenders. This type of search therefore does not affect your credit score.
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.
When a loan agreement with us has been finalised, a full credit search is made with the credit reference agencies and this search will be visible to other credit providers.
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.
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:
- 1) Disclose information about that person and anyone else referred to by you; and
- 2) 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 may pass this information to fraud prevention agencies and other organisations to prevent fraud and money laundering. Law enforcement agencies may access and use this information.
We share personal data for crime and fraud prevention and the apprehension and prosecution of offenders.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
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.
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:
- (i) Prevent fraud and money laundering,
- (ii) Verify your identity if you or your financial associate applies for other facilities including all types of insurance applications and claims,
- (iii) Assist other organisations to make decisions on credit and credit related services or other facilities,
- (iv) Trace your whereabouts and recover debts that you owe,
- (v) Managing credit and credit related accounts and other facilities and
- (vi) Undertake statistical analysis and system testing.
- (vii) Checking details on applications for credit and credit related accounts or other facilities.
- (viii) Checking details of job applicants and employees.
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 lenders 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 0330 3033 505 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
- a) 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.
- b) 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.
- c) Any body having a legal right to your personal information, including the police and any other legal and regulatory authorities and government bodies.
- d) Any person where such disclosure is necessary to enable us to ensure that your obligations under any agreement with us is being complied with and to ensure that any security given in connection with any loan is not at risk.
- e) Any other third party with your consent.
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, and 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.
We may record, use, exchange, analyse and assess information held about you and your relationship with us. Whether or not your account with us has closed, 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 on 0330 3033 505.
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.
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 address below for a full list of agencies where we will record your details with.
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 Lending Limited
Secure Trust House
Bucks SL8 5YS.
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.
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.
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.
How do I delete or turn cookies off
Governing Law and Jurisdiction
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.