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Privacy Policy

What information do we collect?

We collect information from you when you apply for a new loan, reloan, use our contact form or use our unsubscribe form.

When completing any form on this site, you may be asked to enter your: name, e-mail address, mailing address and phone number, amongst other information required to process your loan application or query. You may, however, visit our site anonymously.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

  • To personalise your experience (your information helps us to better respond to your individual needs)
  • To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
  • To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
  • To process your short-term loan application. We may share information with third parties for the purposes of processing your short-term loan.
  • To send periodic emails. The email address you provide during your short-term loan application or other query may be used to send you information and updates pertaining to your application and/or query, in addition to receiving occasional company news, updates, related product or service information etc.
  • By “your information” we mean personal and financial information about you that we:
    • obtain from you or from third parties, such as credit reference agencies, fraud prevention agencies or other organisations;
    • learn from the way you use and manage your account(s) with us; and
    • collect from your computer, where available, your IP address, operating system, and browser type.

Note: If at any time you would like to unsubscribe from receiving future marketing emails, we include detailed unsubscribe instructions at the bottom of each email. You can also visit our unsubscribe page and submit the email address you no longer want to receive marketing emails for. Be advised if you have an active account with us we will continue to use this email address to contact you regarding any changes or updates to this account.

Telephone calls

We will monitor and/or record telephone calls from and to you in the interests of customer service and for training purposes.

Credit decisions and also the prevention of fraud and money laundering

We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we, credit reference and fraud prevention agencies will use your information is detailed in the section called: A condensed guide to the use of your personal information by THL Direct and at Credit Reference and Fraud Prevention Agencies.

If you try our free loan finder service, carefully selected third parties (such as other financial services companies) may use credit reference and fraud prevention agencies to help them make decisions.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information at every stage of the application, query or request.

Do we use cookies?

The Website uses cookies. If you want more information about how and why we use them take a look at our Cookie Policy.

Do we disclose any information to outside parties?

We may give your information to:

  • carefully selected third parties (such as other financial services companies) so that they can contact you about other products and services that may be of interest to you; credit reference and fraud prevention agencies; people who provide a service to us or act on our behalf, on the understanding that they will keep the information confidential. If they are located in another country (which may be outside the European Economic Area) we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us;
  • any third party who introduced you to us so that they can contact you and for their own accounting and administration purposes; and anyone to whom we transfer or may transfer our rights and duties under this agreement.
  • We may also give out information about you if we have a duty to do so or if the law requires or allows us to do so.
  • If you agreed to us and third parties contacting you about other products and services during the application process but later decide you no longer wish to receive such communications then we include detailed unsubscribe instructions at the bottom of each email. You can also visit our unsubscribe page and submit the email address you no longer want to receive marketing emails for.
  • We will protect the information you provide us by: limiting the access our staff have to your information to the minimum required to perform their duties; and
  • maintaining firewalls and security technologies to minimise the risk of external attack to our servers;
  • ensuring that all your information is subject to data protection laws; and regularly monitoring our security systems.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Your Consent

By using our site, you consent to this privacy policy and our website terms.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the contact form.