Privacy Policy

Information that we may gather from you

We may collect and process the following data about you:

-Information that you provide by filling in forms on our site (“our website”). This includes information provided at the time of earning an application for credit or requesting further services. We might also ask you for information when you report a problem with our website.
-Information that you supply to us when accessing your account.
-Information that you supply if we contact youpersonally, or any time you contact us, via the website, by email, phone, text or post. We may keep a record of that correspondence, including tracking or recording telephone calls.
-Your replies to polls we might ask you to accomplish that we use for research purposes, although you don’t need to respond to them.
-Details of transactions you carry out through our website and also the fulfilment of the directions, such as details of any transactions with third parties which you finish via utilizing our site.
-Details of your visits to our site such as, but not restricted to, traffic information, location information, weblogs and other communication information, whether this is required for our charging purposes or otherwise and also the resources that you get.

We may also gather information regarding your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and doesn’t identify any individual.

Uses made of the data

-To evaluate and process your application for credit, and also to make a lending decision regarding you.
-To make sure that content from our website is presented in the best way for you and to your PC.
-To provide you with advice, goods or services which you request from us or which we believe might interest you, where you have agreed to be contacted for these purposes.
-To carry out our duties arising from any contracts entered into between us and you.
-To allow you to take part in interactive features of the service, when you opt to do so.
-To inform you about changes to our service.

For the purposes of fulfilling your credit application, we may pass your information to:

-other companies or businesses that need your information to match your credit application (for example your bank).

When third parties use your data to supply you with products or services, they will be acting as data controls of your information. If you enter into a contract with a third party through our website, the information you supplied to us together with any further information requested by, and provided by you or us to the third party will be held and used by the third party in accordance with their privacy policy. Therefore, you are strongly advised to read your chosen supplier’s privacy policy and satisfy yourself concerning the functions for which the supplier will use your personal advice prior to entering into the contract. We have no responsibility for the uses to which a supplier puts your personal info.

We may also use your data, or allow selected third parties to utilize your information, to provide you with information about products and services that might be of interest to you and they or we can contact you about these by post or, provided you have specifically consented to us or third parties doing so, by phone, email or SMS. We will request your consent before we or third parties contact you for these purposes.

We don’t disclose information about identifiable individuals to our advertisers, but we can give them aggregate information regarding our customers (by way of instance, we may inform them that 500 men aged under 30 have clicked on their advertising on any particular day). We may also use such aggregate information to help advertisers reach the sort of audience they want to target (for instance, women in London). We might make use of the private data we’ve gathered from you to let us comply with our advertisers’ wishes by exhibiting their advertisement to that target market.

Credit checks and automated credit scoring

In assessing your application for credit, to prevent fraud, to check your identity and to prevent money laundering separate finance companies may search the records of fraud prevention agencies, and credit reference agencies who will record any credit searches on your file (whether or not your application is successful). We’ll also notify credit reference agencies and fraud prevention agencies in case some of the information you have provided us is untrue or inaccurate. The information will be used by other fund companies and credit agents for making credit decisions about you and the people with whom you are financially associated, for fraud prevention, money laundering prevention and occasionally for tracing debtors. Information used for these purposes will include publicly available information such as electoral roll, county court judgments, bankruptcy orders or repossessions, and fraud avoidance info.

Where information held about you by a credit reference agency is related to records relating to the other individual (an “institution”) you may be treated as financially related to that individual and records relating to every one of you may be searched and taken into consideration in relation to any application made by either of you until one of you successfully files a disassociation at the credit reference agencies.

In Case You Have told us that you are financially associated with another Individual, you are declaring that you are authorised to:
– disclose information to people relating to this person;
– allow us to use that individual’s data to conduct a search with the credit reference agencies; and
– permit us and/or the credit reference agencies to link or record information about you and that other individual.

We may ask credit reference agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved with any program. Where automatic credit scoring computations are used, acceptance or rejection of your application may depend only on the outcome of the automated credit scoring procedure. Wherever your application is rejected on the basis of information obtained from a credit reference agency (including where an automatic credit scoring process is used), we will notify you of the basis for our decision and provide you with the facts of the relevant credit reference agency.

Where we’ve used automated credit scoring and your application is rejected, you have the right to object, within 21 days of our refusal of your application, to our use of automatic credit scoring and can ask that we reconsider the decision or take the choice on another basis. Should you want to request that we reconsider the decision, this request should be put in writing and delivered to within 21 days of the refusal of your program. Objections received out this 21 day period will not be considered.

You may get in touch with the credit reference agencies in the UK to discover the information they hold about you. They may charge a fee to provide a copy of such advice.


A cookie is a small text document, which frequently includes a unique identifier that’s sent to your computer or cellular phone (known this as a “device”) browser from a website’s computer and is stored on your device’s hard disk. There are various sorts of biscuits which perform various functions, like remembering the information that you provide us in your application for recording or credit your surfing habits. The data captured by the cookie is recovered on the user’s next trip to the website.

Most web browsers will accept cookies, however if you would rather that we didn’t collect data in this way you can choose to accept all or some or reject cookies in your browser privacy preferences. If you would like to control the use of cookies then you can do this by changing your browser preferences. Information on deleting or controlling cookies is available at Please be aware that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our website.

On our site, cookies record information about your online preferences, recall information about you when you visit our website and compile statistical reports on site activity. Some cookies are used that are indispensable so as to provide our services to you.

Information supplied by cookies can help us to analyse the profile of our visitors and assist us to provide you with a much better consumer experience. Below we have set out the sorts of cookies that we use on our website.

Strictly necessary cookies

These biscuits are crucial in order to enable you to maneuver around the website and use its attributes, such as utilizing the shopping basket to keep to browse the site when making a purchase. With no biscuits, services you have asked for, such as applying for a loan with the website, cannot be provided. These cookies don’t gather information about you which might be used for promotion or remembering where you’ve been around the world wide web.

Performance cookies

These cookies collect information on how our visitors use the website, for instance which pages people visit most often, and should they receive error messages from any internet pages. They also allow us to count and record the amount of traffic to the site, all which enables us to see just how visitors use the website in order to enhance the way that our site works. These cookies do not gather information that identifies a visitor, as most of info these cookies collect is anonymous and is only utilized to improve how our site works.

Functionality biscuits

These cookies enable our site to remember decisions you make (like your login details) or to personalise your surfing experience. The information these cookies collect is anonymous. They do not gather any information about you that might be used for promotion or recall where you’ve been around the world wide web.

Google Analytics

It allows us to monitor usage of our website and we use the results in order to help us enhance our website for users. Google Analytics uses cookies in order to collect this info. The information collected is in an anonymous format and will not identify you as an individual.

Where we store your personal information

The information that we collect from you may be transferred to, and stored in the, a destination outside the European Economic Area (“EEA”). It might also be processed by employees operating outside the EEA who work for us for one of our suppliers. Such employees possibly engaged in, among other things, the fulfilment of your order, the processing of your payment details along with the provision of support services. By submitting your personal data, you consent to this transfer, storing or processing. We’ll take all measures reasonably required to ensure that your information is treated securely and in accordance with this privacy policy.

Once we’ve received your information, we will use strict procedures and security features to try to prevent unauthorised access.

All the information you provide us is kept in a secure computing environment protected by secure firewalls to attempt and prevent unauthorised access. Our website and database of data is stored on a secure server. We also manage access to any information you provide us so that it is just provided to people who must see it. When we move any of your information it will be password protected.

We may disclose your personal information to any member of our group, so our subsidiaries, our ultimate holding company and its subsidiaries, as described in section 1159 of the UK Companies Act 2006.

We may disclose your personal information to third parties:

– In the event that we sell or buy any business or assets, in which case we may disclose your personal information to the potential seller or purchaser of such assets or business.
– In case APFIN LTD or most of its assets are acquired by a third party, in which case personal data held by it about its clients will be one of those transferred assets.
– If we are under an obligation to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms of use or the terms and conditions of your loan agreement and other arrangements; or to safeguard the rights, property, or safety of APFIN LTD, our customers, or others.

Your rights

You’ve got the right to ask us not to process your personal information for advertising purposes. You can exercise your right to stop such processing by checking certain boxes on the forms we use to gather your own data. You can even exercise the right at any time by contacting us at .

Our website can, from time to time, contain links to and from the sites of our partner networks, advertisers and affiliates. Should you follow a link to any one of these sites, please note that these websites have their own privacy policies and that we don’t accept any liability or responsibility for these policies.

Accessibility to information

The Act gives you the right to access information held on you. Your right of access can be resolved in accordance with the Act. Any access request could be subject to a charge of ? 10 to meet our costs in providing you with details of the information that we hold about you.

Changes to our privacy policy

Any changes we might make to our privacy policy later on is going to be posted on this site and, where appropriate, advised to you through e-mail.