Privacy policy

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Privacy policy

At the Easy Loan Company, we are committed to safeguarding and preserving the privacy of our visitors.
This Policy explains what happens to any personal data that you provide to us, or that we collect from you whilst you visit our site and how we use cookies on this website.
Any information that we collect on the application is transferred to, and held by Monevo Limited. Monevo Limited is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450 Monevo Limited is registered in England and Wales (Company number 06511345), Registered Office; Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS. Licenced by the Information Commissioners Office, (registration number Z1498441).

Monevo Limited are aware about how important your privacy is and based on this they have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this, it will also be processed and maintained in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that Monevo Limited may hold about you, how they obtain and process any information they may have and, most importantly, how they will protect your privacy.

We do update this Policy from time to time so please do review this Policy regularly.

Information That We Collect on the site and the Monevo application is;
a. Name
b. Residential address
c. Residential status
d. Date of birth
f. Email address (if applicable)
g. Telephone number (home, mobile, work)
h. Income details
i. Details of bank account
j. Information about your use of our site including details of your visits such as pages viewed and the resources that you access. Such information includes traffic data, location data and other communication data.

Use of Cookies on our website

Cookies provide information regarding customer behaviour on our website. They assist us in analysing the traffic on our site and help us in understanding marketing and traffic patterns. We may use cookies where appropriate to gather information about your computer in order to assist us in improving our website.

We may gather information about your general internet use by using cookies. Where used, these cookies are downloaded to your computer or device and stored on the computer’s hard drive. Such information will not identify you personally; it is statistical data, which does not identify any personal details whatsoever.

Our advertisers may also use cookies, over which we have no control. Such cookies (if used) would be downloaded once you click on advertisements on our website.
You can adjust the settings on your computer to decline any cookies if you wish. This can be done within the “settings” section of your computer. For more information please read the advice at AboutCookies.org.

Use of Your Information

Monevo may share your information with Lenders and approved partners, who may process the personal information/data that you have provided to us; however this will only be for the purpose that this privacy policy specifies.

Monevo use the information that they collect from you to provide a service to you. In addition to this they may use the information for one or more of the following purposes:

To extract certain information for generating statistics for their own internal purposes (including credit and/or behaviour scoring, and market and product analysis).

To detect, prevent and investigate actual and potential fraud and related activities.

To provide information to you that you request from them relating to their products or services.

To provide information to you relating to other similar products that may be of interest to you. Such additional information will only be provided where you have consented to receive such information.

Unless you state otherwise to us, Monevo, lenders, third parties and other brokers may contact you about services or products that may be of interest to you.
Monevo never give your details to third parties to use your data to enable them to provide you with information regarding unrelated goods or services.

Your data may be used for other purposes, including but not limited to, data validation, enhancement, product marketing/sales, information verification, modelling, identity verification, suppression, tracing and to the extent permitted by law, individual reference or lookup services, by LexisNexis, Invive Limited and Legal and Financial Solutions Limited and selected 3rd parties.

How Monevo may contact you

Monevo, lenders, third parties and other brokers may contact you via telephone, email, post, SMS or automated messages.

Storing Your Personal Data

In operating our website, it may become necessary for Monevo to transfer data that we collect from you to locations outside of the European Union for processing and storing. By providing your personal data to us, you agree to this transfer, storing and processing. Monevo do their upmost to ensure that all reasonable steps are taken to make sure that your data is stored securely.

Unfortunately, the sending of information via the internet is not totally secure and on occasion, such information can be intercepted. Monevo or we cannot guarantee the security of data that you choose to send us electronically, sending such information is entirely at your own risk.

Disclosing Your Information

Monevo will not disclose your personal information to any other party other than in accordance with this Privacy Policy and in the circumstances detailed below:

In the event that they sell any or all of their business to the buyer.

Where they are legally required by law to disclose your personal information.

To further fraud protection and reduce the risk of fraud

Third Party Links

On occasion, we include links to third parties on this website. Where we provide a link, it does not mean that we endorse or approve that site’s policy towards visitor privacy. You should review their privacy policy before sending them any personal data.

Access to Information

In accordance with the Data Protection Act 1998 you have the right to access any information that Monevo hold relating to you. Please note that they reserve the right to charge a fee of up to £10 to cover costs incurred by them in providing you with the information.

Contacting Monevo

Please do not hesitate to contact Monevo regarding any matter relating to this Privacy and Cookies Policy. Please send your comments to;

Monevo Limited
Compliance Manager
Oxford House
Oxford Road
Macclesfield
Cheshire
SK11 8HS
Or alternatively please email:
compliance@quint.co.uk.

COOKIE BAR / COOKIE POLICY

Cookie Policy
There is no cookie bar on the website. A data controller must have the user’s consent to deposit and use cookies and similar technology.
To comply with ICO guidance and PECR, the user must actively indicate their acceptance by ticking a box or clicking a link.
It is recommended to add the below wording and cookie bar and for it to be available from each web page;

xxxxxxxx uses cookies on this website to help improve the browsing experience.”

“More information” (insert hyperlink to cookie section of privacy policy page.

“Accept” (insert a button that the user can click to signify acceptance)

 

Our Policy

Monevo Limited is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450 Monevo Limited is registered in England and Wales (Company number 06511345), Registered Office; Oxford House, Oxford Road, Macclesfield, Cheshire, England, SK11 8HS. Licenced by the Information Commissioners Office, (registration number Z1498441)

Here at Monevo Limited we are aware how important your privacy is, based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and also in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at Monevo may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.

This privacy policy is only applicable to us at Monevo Limited and personal information which may be collected and obtained by us.

Changes to this privacy policy

Monevo Limited may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website, please be aware that this privacy policy was last updated on the 4th May 2016. Please visit this policy on a regular basis to make sure you have read the latest version and you understand what we do with your information.

How we may contact you

Unless you state otherwise to us, lenders, third parties and other brokers (see further section on ‘How we keep you informed’) may contact you via telephone, email, post, SMS, automated messages or fax.

How you contact us
Please contact us via the contact details provided within this website.

How we keep you informed

We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages or fax. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.

Third parties could contact you as we may be unable to offer you the payday loan you are looking for this way; third parties may have a product or service to offer you which potentially could suit your needs. If this is the case the third parties will pass your details onto a lender, who may need to carry out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful they will too have their own privacy policy and recommend you refer to them, upon making your application, you will be requested to agree to their use of your information.

Obtaining Data/Information

You are free to access and browse our website at your convenience and do not have to provide any personal information/data. However we would like to refer you to the ‘Cookies’ paragraph set out within this privacy policy.

The information/data that we would normally collect from you is as follows:
Name
Residential address
Residential status
Date of birth
National insurance number
Email address (if applicable)
Telephone number (home, mobile, work)
Income details
Details of bank account
What you do on our website; the results of this will be used to show Monevo Limited examples of which parts of our website are most and least used (please refer to ‘Cookies’ paragraph).
If you register with us and have a question about our services, or alternatively choose to send an email to enquiries@monevo.co.uk we may also collect the above personal information/data in this instance in order for us to respond to your enquiry. We may also receive personal information from 3rd parties, which enables us to offer identified potential customer’s products and services, who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.

Communication

Unless the customer states otherwise we will contact the customer via means of telephone, SMS, post and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from 3rd parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.

Ensuring your personal details & or preferences are kept up to date
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected. If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ paragraph).

How we use your Personal Information
Information that is collected by us at Monevo Limited may be used by us in the following ways and will be recorded electronically:
Verify customers identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
Assess your credit history and confirm your employment details. Collect unpaid loans and debt that may be owed by you to us.
Extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
Detect, prevent and investigate actual and potential fraud and related activities.
Develop, manage and market products and services to meet our customer’s needs and to contact customers for products and services that may be of interest, to determine your eligibility for different products and services that our customers may be interested in.
Contact you in connection with your enquiry.
Update this website to better meet our client’s needs in the future.
Help Monevo Limited to carry out admin and service your account.
As some of our affiliates are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK we ensure we have established levels of protection to ensure that your information is safeguarded.
Your data may be used for other purposes, including but not limited to, data validation, enhancement, product marketing/sales, information verification, modelling, identity verification, suppression, tracing and to the extent permitted by law, individual reference or lookup services, by LexisNexis, Invive Limited and Legal and Financial Solutions Limited and selected 3rd parties.

Fraud prevention agencies & Credit referencing

Upon application to us we may use both fraud prevention and credit referencing agencies to help us make relevant decisions. This section has been reduced down into a simple explanation of how we will use your personal information/data regarding credit referencing and fraud prevention agencies. Further information on fraud prevention agencies can be obtained from the Monevo Limited Compliance Manager. If you do choose to contact the CRA, please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs. A small fee is usually charged when information is requested; this fee currently stands at £2.00 To help you with this, we have provided below contact details for the CRAs:

Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US, Tel number 0870 010 0583, www.equifax.co.uk

Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF, 0844 4818000, www.experian.co.uk

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, 0870 060141

We will make the following checks about yourself and others:

1. Credit Reference Agencies (CRAs) – when this type of check is made a footprint will appear on your credit file, this can be seen by other lenders. CRAs will provide us with shared credit information, fraud prevention information and public information, this information will include the electoral register.

2. Fraud Prevention Agencies (FPAs) – when we assess your application we will also check customers identities in order to prevent fraud and crime against customers, this also includes money laundering. Monevo Limited may also make additional searches over periods of time with CRAs and FPAs, this ensures that our records are kept up to date with any vital information this information will then be used to ascertain whether to continue with your credit or any future credit that may be available. As we have an obligation to comply with responsible lending FPAs and CRAs assist us in doing so.

3. Joint Applications – If you the customer makes a joint application or you advise that you have a spouse or financial associate, your customer records will be associated and linked together this will ensure that the agreement has been made from both applicants to discuss and disclose information .A link will also be made with CRAs , the link will remain until one or both parts informs and applies with the CRA for a disassociation to end the link.

4. Information sent to CRAs – Information received by CRAs will be recorded by them. If after an application with us, you take out a loan. Activity and details of management of your account will be passed onto them. In the event that you take out a loan via us and fail to repay back the full funds required this will also be recorded with the CRA. In this case information may be passed onto other companies by CRAs and FPAs in order to locate and trace you in order to recover any outstanding debts. We must warn you that if this does occur then this will remain on your record for 6 years once a case has been closed by either settlement or default.

5. Inaccurate information provided by you – False or inaccurate information if given by yourself will be brought to the attention of FPAs or other relevant companies who deal in fraud/crime prevention, the same applies to if we suspect fraud or false or inaccurate information has been supplied . Any reported instances may also be accessed by law enforcement agencies i.e. HMRC, regulatory bodies or the police for use to prevent any possible fraud and money laundering for the following: Checking details on applications for credit and credit related or other facilities;
Managing credit and credit related accounts or facilities
Recovering debt
Checking details on proposals and claims for all types of insurance
Checking details of job applicants and employees
6. Information recorded outside the UK – we may use and get access to information outside of the UK that has been recorded and reported by fraud prevention agencies.

7. Information/data usages for other purposes – if you have given permission for your information to be used for other purposes, in limited circumstances your information may be used for other purposes when required by law or under the terms of the Data Protection Act 1998.

Do we share your information with third parties?
Yes we may share your information with affiliates and partners, who may process the personal information/data you, have provided to us; however this will only be for the purpose that this privacy policy specifies. In addition to the above we may also, on occasion, share your information/data with other parties who are not within our group; if they are not named in this policy we will seek your approval first. Information may be transferred to third parties which may be located outside the European Economic Area. We will ensure that your personal information is protected to the level of standards in accordance with the Data Protection Act 1998. If your information is shared with third parties, we will instruct and state restrictions which will protect your information. Our third party partners will also have their own privacy policies which we recommend that you refer to them. If we do share your information with parties outside of our group this may be for the following reasons:
To assist in finding you a loan, as we are a finance broker. As our services are often provided in conjunction with other partners. To assist you in finding a product/service we would need to provide these partners with your information in order for us to help you.
Our staff and agents will require your information in order to carry out a service for you on behalf of us.
If you wish to be provided with details of special offers and promotions, we outline this in the section called ‘How we keep you informed’.
In order to protect our business along with our group of affiliated companies and possible others. Your information may be shared with third parties when we believe it is necessary to comply with the law or protect our rights or another person’s rights, property, or in fact safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory bodies other lenders, if this is the case it will protect us against fraud and also reduce any risks exposed to.
If the occasion arises whereby our company changes ownership or assets, then the new proprietors will need access to your information in order to continue with operations and to run the company effectively. This would cover shareholders and other companies where the agreement of transfer has been established.

Confidentiality & security

Monevo Limited recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, introduced specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so.

Can you access the information we hold about you?

Yes under certain circumstances you will be able to access the records we hold about you, if you request this information then we ask that you submit your request in writing to us along with a fee for £10. If you require information from separate affiliates then you will be required to request each in writing and pay separate fees for each request.

How long do we keep your information for?

The amount of time we hold your information depends on the basis it was provided by you to us, please see the following examples:
If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
Information is also kept relating to any transactions you may enter via our website, this information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do so to ensure that if any disputes or complaints are raised then we have your information to enable us to address the complaints or disputes. Your information will be kept however purely for business needs.

In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
Another reason for us to keep information about you is for legitimate business needs where relevant so we can comply with what the law states.

Usage of links to other sites

We may provide links to other websites via our website, if we do so then we cannot be held responsible for the other sites privacy policy as they will hold their own specific to them, this also applies to site content, practices they carry out and the services and products they may offer, all of which we cannot take any liability for.

Processing of sensitive information

Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:
Health conditions
Racial or ethnic origin
Political opinion or trade union membership
Sexual orientation
Philosophical beliefs
Religious beliefs
Suspected or proven criminal activity (which includes proceedings)
Cookies

Usage

cookies Monevo Limited uses cookies to assist us analyse the traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting our website cookies with any pages that you choose to view will be downloaded onto your computer. Cookies are a good way of helping us by being used as a measuring tool to assess our visitors and their own profiles, this will then enable us to offer our customers a better service. Although we use cookies as above we would not store anything that would make the customer identifiable i.e. passwords or locations, activity relating to finances and also their preferences. We also use customer information in order assist us to see how effective our website is and also to highlight any improvements we may need to make. This information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make customers identifiable. Most web browsers will automatically accept however normally you can change your browser settings which will prevent automatic acceptance. Please be aware that If you do not accept cookies, Monevo Limited cannot guarantee that our website will perform as well.

How to find & control your cookies, see as follows:

Internet Explorer 6.0 or 7.0
Choose tools
Internet Options
Click the privacy tab
Click on the ‘Advanced’ button
Check the ‘Override automatic cookie handing’ box and select Accept, Block or Prompt for action appropriate?
Mozilla Firefox
Choose tools
Options
Privacy
Cookies
Set your options as require
Safari
Choose Safari
Preferences
Security
Select options by accept Cookies as required
Opera 8+
Choose Tools
Preferences
Advanced
Select Cookies
Select your settings using the available options
How do you know which of the sites you’ve visited use cookies, see as follows:
Internet Explorer
Choose tools
Internet Options
Click the General tab
Click Settings
View Files
Mozilla Firefox
Choose tools
Options
Privacy
Cookies
Click the Show Cookies button
Safari
Choose Safari
Preferences
Security
Click Show Cookies button
Opera 8+
Choose tools
Advanced
Click Cookies
How to see your cookie code, simply click on a cookie to open and view it. There will be displayed a string of numbers and text. The numbers will represent your identification card, be assured that this can only be seen by the server that allocated you the cookie.
Additional cookies information – The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.

Contact about this privacy policy

If you have any questions or concerns relating to our privacy policy then please send an email to our Compliance Manager at following address:compliance@monevo.co.uk

Alternatively you can write to: Compliance Manager, Monevo Limited. Oxford House, Oxford Road, Macclesfield, Cheshire, England, SK11 8HS.

Monevo Limited (and associated trading names) will not carry out any credit checks on any customer upon registering to our services, however, Monevo Limited and the finance providers/lenders they work with may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer.

What information do we collect from you?

We collect information about you when you apply for products via our application form or telephone. We also collect information when you voluntarily provide feedback via our contact form, email or telephone. Website usage information is collected using cookies.

The type of information we collect from you during an online application includes, but is not limited to, you: name, current and previous addresses, residential status, date of birth, national insurance number, email address, telephone numbers (home, mobile, work), employment status, income details, bank account and sort code, IP address and device type

We do not collect any personal information from children, or about children, nor do we collect sensitive or special category data

How do you keep my information secure?

Your security and privacy comes first in everything we do; if your data is not secure then it’s not private. We utilise the most advanced security infrastructure and measures to ensure your data is private whilst in transit and at rest. If we share your information to any third parties, we will only do so if we are sure that they maintain the same levels of security and privacy as ourselves.

Why do we collect this information?

We collect this information so that we can process your application and to take steps to introduce you to a lender, broker or alternative solution provider, according to your request, and to comply with certain financial services regulations. The information is required to:

• Enable us to provide your information to lenders, brokers or alternative solution providers
• Validate your identity
• Access your credit history
• Enable us to contact you regarding your application
• Help us to find you the most appropriate product(s)
• Confirm that you can afford the selected product(s)
• Reduce the likelihood of fraudulent activity or money laundering

Who might we share your information with?

We only share your data with Monevo Limited.

Monevo Limited are a loan broker and your information will therefore be shared with them about your loan application. Their privacy policy can be found here https://privacy.monevo.com/uk/privacy-policy

To enable us to find you the most appropriate product, and to comply with certain regulations, they will need to share your information with the following third parties, operating as data controllers or data processors:

• Companies within the Quint Group Limited, including
• Moneyguru Limited
• Monevo Limited
• Infinian Data Solutions Limited
• Credit Angel Limited
• Loan Marketing Limited
• Loans providers (Personal, Short Term and Guarantor)
• Amigo Loans (https://www.amigoloans.co.uk/privacy-policy)
• AvantCredit
• Bamboo (www.bambooloans.com/s/how-we-use-your-information)
• Buddy Loans
• Dot Dot (https://www.dotdotloans.co.uk/privacy-notice)
• Everyday Loans (https://www.everyday-loans.co.uk/legals/?a=privacy)
• Fernovo (https://fernovo.com/privacy-policy/)
• George Banco (https://www.georgebanco.com/terms-conditions#privacy)
• Guarantor My Loan (https://www.guarantormyloan.co.uk/privacy/)
• Juo Loans (https://www.juoloans.co.uk/StaticPage/PrivacyPolicy)
• Lending Stream (https://www.lendingstream.co.uk/legal/privacy-policy/)
• Lending Works (https://www.lendingworks.co.uk/docs/privacy-policy)
• Likely Loans (https://likelyloans.com/privacy-policy)
• Morses Club (https://www.morsesclub.com/privacy-notice)
• Mr Lender (https://www.mrlender.com/privacy-policy)
• MyJar (https://www.myjar.com/legal/privacy)
• Novaloans (https://www.cash4unow.co.uk/privacy-policy)
• Pounds to Pocket (https://www.poundstopocket.co.uk/privacy-policy.html)
• Progressive Money (https://www.progressivemoney.co.uk/legal/fair-processing-notice)
• Quick Quid (https://www.quickquid.co.uk/privacy-policy.html)
• QuidMarket (https://www.quidmarketloans.com/privacypolicy/)
• Response Funding
• SafetyNet Credit (https://www.safetynetcredit.com/content/html/privacypolicy.html)
• Satsuma (https://www.satsumaloans.co.uk/privacy)
• Shawbrook Bank (https://www.shawbrook.co.uk/privacy-notice/)
• Sunny (https://sunny.co.uk/your-privacy)
• Swift Sterling (https://www.swiftsterling.co.uk/Information/PrivacyPolicy)
• Trust Two (https://www.trusttwo.co.uk/legal)
• Uncle Buck (https://www.unclebuck.co.uk/privacy)
• WageDay Advance (https://www.wagedayadvance.co.uk/privacy-policy)
• Wonga (https://www.wonga.com/privacy-policy)
• Credit brokers
• Carfinance247 (https://www.carfinance247.co.uk/privacy-policy)
• Choose Wisely (https://www.choosewisely.co.uk/pages/privacy)
• Debt Management providers
• Individual Voluntary Arrangement (IVA) providers
• Credit Referencing Agencies
• Identity and Verification service providers
• Behavioural scoring and profiling providers

They may need to share your information for legitimate interests with the following third parties, operating as data controllers or data processors:

• Debt collection agencies
• Debt purchase companies
• Credit Referencing Agencies
• Credit providers
• Data aggregation companies
• Data bureaux
• Identity and Verification service providers
• Tracing companies
• Government agencies
• LexisNexis Risk Solutions
• Experian
• Equifax
• Call Credit

Not all of the third parties have been named here explicitly due to commercial sensitivity, but an extensive list of where we share your personal data can be provided for free by using the contact details below.

We collect your data and will share it for commercial gain with third parties. These organisations will have a relationship with you or it may be used where they have a lawful reason, which may include these organisation’s own legitimate interest. Use includes tracing of individuals, verification and/or validation of the identity of individuals for the purposes of, but not limited to, anti-money laundering regulations, national security, crime prevention and detection, anti-fraud processes, asset recovery and asset reunification.

Our partners with whom we share your information may use it for their legitimate business interests to match applications, carry out fraud checks, carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they offer to you or other individuals in the future.

We may also share your information for marketing purposes to third parties offering products and services which we think may be of interest to you, but only if you have given us your explicit consent. You have a legal right to prevent your information being used for direct marketing purposes and can request such action by using the contact details below.

What do we do with your information?

Information that is collected by us and sent to Monevo Limited may be used in the following ways and will be recorded electronically:

• Verify identity and credit standing to enable us to consider and process your application for a loan or other products or services.
• Assess your credit history and confirm your employment details.
• Collect unpaid loans and debt that may be owed by you to 3rd parties
• Extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market product analysis).
• Detect, prevent and investigate actual and potential fraud and related activities.
• Develop, manage, market products and services to meet your needs, contact you for products and services that may be of interest, by companies in the Quint Group Limited and other selected third parties outlined in this Privacy Policy
• Determine your eligibility for different products and services that you may be of interest
• Contact you in connection with your enquiry
• Update this website to better meet your needs in the future.
• Data validation, enhancement, or suppression
• Tracing, collections and asset reunification
• and to the extent permitted by law, individual reference or lookup services, by selected ourselves and 3rd parties mentioned in this Policy.

We may also use your information for marketing purposes, outside of providing our services, if you have given us your explicit consent and in accordance with this policy. You have a legal right to prevent your information being used for direct marketing purposes

As part of the services offered to you through this website, the information which you provide to us may be transferred to countries outside the EEA. By way of example, this may happen if any of our servers, or our third parties’ servers, are from time to time located in a country outside of the EEA. These countries may not have similar data protection laws to the UK. By submitting your personal data, you’re agreeing to this transfer, storing or processing. If we transfer your information outside of the EEA in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that your privacy rights continue to be protected as outlined in this Policy.

Will you send me any communications?

Yes, you could receive two types of communications:

1. As part of our service we will send you electronic communications (telephone, emails and SMS) relating to the products you’ve requested and relating to any application(s) that you have made. This is a service offered by default, for free and is part of the broking service we provide. You can still request that this communication is stopped using the contact details below. You may also receive these types of communications from any providers that we introduce you to, dependent on their policy. This communication may continue for the term of your product or service requested to ensure your continued satisfaction

2. We, Quint Group companies and selected 3rd parties, may send you direct marketing communications about other products and services that may be of interest to you. This service is not provided by default, is still free, but will only be provided if you have given us your explicit consent, and only via email. Marketing will be sent within a reasonable period following your consent, this will usually be 6 months, unless further consent or contact is made

You have a legal right to prevent your information being used for direct marketing purposes.

You can request this using the contact details below.
Should you require further assistance regarding the prevention of marketing, please see information below:

Postal Marketing – You can opt out of postal marketing by registering with the Mail Preference Service (MPS) at http://www.mpsonline.org.uk/. This is an industry wide service that is administered by the Direct Marketing Association and recognised by the Information Commissioner.

Telephone Marketing – Consumers are able to opt out of all telemarketing activity by registering their details with the Telephone Preference Service (TPS) at http://www.tpsonline.org.uk/. The TPS is similar to the MPS but is administered by the Information Commissioner.

Email Marketing – Unlike Postal or Telephone channels, there is no industry-wide service to opt out of email marketing. Therefore, consumers should always review privacy policies and marketing opt-in check boxes when registering for services or purchasing products online. Where unwanted email marketing is received, consumers should unsubscribe or use spam filters to prevent future communications.

How long do we keep hold of your information?

The amount of time we hold your information depends on the basis it was provided. Please see the following examples:

1. If you request that we do not contact you for advertising and marketing reasons, we may still need to keep your information as this would reflect your preferences.
2. Information is also kept relating to any applications you may enter via our website. This information will be kept for a minimum of six years, which will commence at the end of the relationship. We are required to do so to ensure that if any disputes or complaints are raised, we have your information to enable us to address the complaints or disputes. Your information will be kept purely for business needs.
3. In order to provide you with a service, we will be required to keep your information for however long this may take us.
4. Another reason for us to keep information about you is for legitimate business needs (where relevant), so we can comply with the law.

Your data will not be kept indefinitely and will only be kept for as long as is required by legitimate or regulatory needs. When there is no longer a need for your data and there are no regulatory requirements, information will be kept for a maximum of 2 years, purely to assist with auditing. It will then be securely removed.

To request details relating to your personal data retention, please use the contact details below.

How can I access the information you hold about me?

You will be able to access the records we hold about you upon request. We will not charge a fee to provide this information, unless the request is manifestly unfounded or excessive. If you require further copies a fee may apply. To request access to your information please contact compliance@monevo.com.

What are my rights?

You have the following rights regarding the processing of your personal data, given to you through legislation:

1. The right to be informed
You have a right to be informed about how your personal data is processed in a concise, transparent, intelligible and easily accessible manner, written in clear and plain language, that is free of charge. This is the purpose of this Privacy Policy

2. The right of access
You have the right to obtain confirmation that your data is being processed and to have access to that personal data. You can request this using the contact details below

3. The right to rectification
You have the right to have your personal data rectified if it is incorrect or incomplete and we must notify any third parties that have been shared your data to do the same. You can request this using the contact details below

4. The right to erasure
You have a “right to be forgotten”, or to have your personal data erased and to prevent processing. The right is not absolute and in certain circumstances this may not be possible. You can request this using the contact details below

5. The right to restrict processing
You have the right to ‘block’ or suppress the processing of your personal data. This does not stop the storing of your personal data, as it may be required to restrict processing in the future. You can request this using the contact details below

6. The right to data portability
You have the right to obtain and reuse your personal data for your own purposes across different services in a safe and secure way, without hindrance to usability. You can request this using the contact details below

7. The right to object
You have the right to object to processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling); direct marketing (including profiling); and processing for purposes of scientific/historical research and statistics. You can request this via the contact details below.

8. Rights in relation to automated decision making and profiling
You have a right to object to automated decision making, to express your point of view, ask for human intervention, and to be provided with an explanation of the decision with your option to challenge it. The right is not absolute and is not applicable for the entering into a consumer credit agreement. You can request this using the contact details here

9. The right to withdraw consent
If you have given us explicit consent to process your personal data you have a right to withdraw that consent at any time, including but not limited to the removal of consent to be contacted by third party marketers. You can request this using the contact details here

10. The right to lodge a complaint with a supervisory authority
You have the right to lodge a complaint with us directly and / or with a supervisory authority. In the UK the relevant authority is the Information Commissioner’s Office (ICO). You can find their contact details here: https://ico.org.uk/global/contact-us/

Do you use cookies?

We use cookies to help us analyse the traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting our website, any pages you choose to view will download cookies onto your computer. Cookies are a good way of helping us measure and assess our visitors and their own profiles, which then enables us to offer our customers a better service. Although we use cookies as above, we would not store anything that would make you identifiable i.e. passwords or locations, activity relating to finances and also your preferences. We also use customer information in order to help us to see how effective our website is, and also to highlight any improvements we may need to make. This information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make you identifiable. Most web browsers will automatically accept cookies, however you can change normally your browser settings to prevent automatic acceptance. Please be aware that if you do not accept cookies we cannot guarantee the website will work effectively.

How can I contact you?

If you have any queries or concerns relating to our privacy policy then please send an email to our Compliance Team at: compliance@monevo.co.uk, or our Data Protection Officer at dpo@monevo.co.uk
Alternatively you can write to Monevo’s Compliance Manager or Data Protection Officer at the following address:

Monevo Limited
Oxford House
Oxford Road
Macclesfield
Cheshire
SK11 8HS
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THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK.

PLEASE THINK CAREFULLY BEFORE SECURING LOANS AND OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. SECURITY MAYBE REQUIRED.
ALL LOANS ARE SUBJECT TO AN ASSESSMENT AND CREDIT APPROVAL.
ALL RATES VARY SUBJECT TO LOAN AMOUNT, LOAN TYPE AND STATUS.
REPAYING YOUR DEBT OVER A LONGER PERIOD OF TIME MAY INCREASE THE AMOUNT YOU PAY.
WARNING – LATE OR MISSED PAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS AND COULD SERIOUSLY AFFECT YOUR CREDIT RATING. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK.

EASY LOANS COMPANY ACT AS A BROKER PROCESSING THE INFORMATION THAT YOU PROVIDE TO US AND PASS THIS ON TO OUR LIMITED GROUP OF THIRD PARTY LENDERS AND BROKERS.
WE DO NOT CHARGE A BORROWERS FEE FOR THE USE OF OUR BROKERAGE SERVICES, HOWEVER WE DO RECEIVE COMMISSION FROM LENDERS (OR OTHER BROKERS) WHEN BORROWERS SIGN INTO A CREDIT AGREEMENT FOLLOWING AN INTRODUCTION THROUGH THE EASY LOANS COMPANY WEBSITE.
IN THE CASE OF SECURED LOANS THE FEE RECEIVED MAY BE UP TO 7%. TELEPHONE CALLS FROM UK LAND-LINES ARE USUALLY FREE, HOWEVER CHARGES VARY FROM MOBILE PHONES SO PLEASE CHECK WITH YOUR NETWORK PROVIDER. CALLS MAY BE RECORDED FOR TRAINING AND MONITORING PURPOSES.
AS OPERATOR OF THIS WEBSITE, EASY LOANS COMPANY IS NOT AN AGENT OR REPRESENTATIVE OF CONSUMERS OR ANY LENDERS AND THEREFORE DOES NOT ENDORSE THE SERVICES OFFERED BY SPECIFIC LENDERS.
THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK. FOR MORE INFORMATION ON HOW WE HANDLE YOUR DATA SEE OUR PRIVACY POLICY [ *FOR FURTHER DETAILS ABOUT EASY LOANS COMPANY SEE OURTERMS AND CONDITIONS

Easy Loans Company is a registered Trading Name of Nationwide Direct Financial Limited which is an Introducer Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number 723650. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Nationwide Direct Financial Limited is registered in England and Wales (Company number 05999918), Registered Office; Bridgewater House. 58-60 Whitworth Street, Manchester, M1 6LT. Licenced by the Information Commissioners Office, (registration number Z9808421).

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