At All Purpose Loans we’re committed to protecting and respecting your privacy.
This Policy explains when and why we collect personal information about people who visit our website, how we use it, the conditions under which we may disclose it to others and how we keep it secure.
We may change this Policy from time to time so please check this page occasionally to ensure that you’re happy with any changes. By using our website, you’re agreeing to be bound by this Policy.
We are All Purpose Loans. All Purpose Loans is a trading style of Everything Financial Ltd. Everything Financial is a registered company in England and Wales (no. 08809373). The registered address is Riverside Mountbatten Way, Congleton, CW12 1DY. Everything Financial Ltd is authorised and regulated by the Financial Conduct Authority, FRN 742815. Everything Financial Ltd is registered with the Information Commissioner, Licence No. ZA034781
We obtain information about you when you use our website, for example, when you submit your details in order to obtain a quote on a mortgage.
The personal information we collect might include your name, address, email address, IP address, mortgage information, employment information, financial commitments and information regarding what pages are accessed and when.
We may use your information to:
We review our retention periods for personal information on a regular basis. We are legally required to hold some types of information to fulfil our statutory obligations (for example the reporting of complaints). We will hold your personal information on our systems for as long as is necessary for the relevant activity.
We will not share your information with third parties for marketing purposes.
Third Party Service Providers working on our behalf: We may pass your information to our third party service providers, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (for example hosting the website that you have used to access this privacy notice). However, when we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes. Please be reassured that we will not release your information to third parties beyond Everything Financial for them to use for their own direct marketing purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime.
Third Party Product Providers we work in association with:
For the purposes of finding a Homeowner loan we work closely with various Mortgage and 2nd Mortgage Brokers regulated by the Financial Conduct Authority or businesses regulated by the Financial Conduct Authority who have referral arrangements with mortgage brokers regulated by the Financial Conduct Authority. The mortgage brokers will bring you a range of quality and reliable mortgage advice based on your needs.
In order to help you find an unsecured loan we also work closely with consumer credit lenders regulated by the Financial Conduct Authority or consumer credit brokers regulated by the Financial Conduct Authority who have referral arrangements with consumer credit lenders regulated by the Financial Conduct Authority.
Our current list of Partners are:
In order to supply you with a quote for a loan, the Partner may contact you by letter, telephone, email, text message or other electronic means.
To help us understand you better and provide you with information about other products which may be suitable and relevant, we will use your personal information to create a profile of you and your circumstances. This allows us to provide more relevant, accurate and tailored services to you. For example, we may assess your income and expenditure to determine whether you would be able to successfully apply for a personal loan through us. We believe we have a legitimate interest to do this and that it is not against your rights. However, if you don’t want us to profile your personal information this way, to then better enable us to tailor any marketing communications to you, you can contact us to let us know that you wish for your personal data not to be used in this way.
Where we have a copy of your personal information we may contact you to ask you to provide a review about the services you’ve received or where we are carrying out market research which may help us design future products and services or to help improve our current services. Although this information would really help us, you wouldn’t be required to provide us with this information unless you’re happy to. We consider that this is in our legitimate interests to contact you in this way for market research purposes.
We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations.
Our regulators, such as the Financial Conduct Authority, the Information Commissioners Office or any other regulatory body or authority may request certain information as part of supervising us. We have a legal or regulatory obligation to provide this.
If you make an enquiry or complaint with us we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.
As part of our legitimate interest to develop our business and our products we will use your personal information to assess our performance as a business and for statistical analysis. We will use your personal information to assess our performance as a business and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis with third parties who provide us with services and where we have a contractual obligation to do so.
The accuracy of your information is important to us. We’re working on ways to make it easier for you to review and correct the information that we hold about you. In the meantime, if you change email address, or any of the other information we hold is inaccurate or out of date, please email us at firstname.lastname@example.org or by writing to All Purpose Loans, a trading style of Everything Financial, Riverside, Mountbatten Way, Congleton, CW12 1DY. Alternatively, you can telephone 01260 218313.
You have certain rights under data protection legislation. These include:
You have the right to request from us a copy of the personal information that we may hold about you. This is often called a “Data Subject Access Request”. You can request this information by contacting us as set out below.
Before providing this information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that we’re only providing it were you have given your agreement.
If the personal information we hold about you is incorrect you have the right to request that we correct this.
You have the right to stop us from using your personal information or limit the way in which we process your information at any time if we are no longer entitled to do so. You may also request that your personal information is deleted. There may be occasions where we are unable to delete the data due to our legal or regulatory obligations however we will discuss this with you if you request for your information to be deleted.
In some cases, you may be able to request for your information to be provided to yourself or another company in a format that can be processed electronically by yourself or the other company. If you want to request this, you’ll need to contact us, and we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that we’re only providing this information where you have given your consent to do so.
In addition, if you linked to our website from a third-party site, we cannot be responsible for the privacy policies and practices of the owners and operators of that third-party site and recommend that you check the policy of that third-party site.
We are concerned to protect the privacy of children aged 16 or under. If you are aged 16 or under‚ please get your parent/guardian's permission beforehand whenever you provide us with personal information.
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 European Union (“EU”). By way of example, this may happen if any of our servers are from time to time located in a country outside of the EU. 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 EU 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.
If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.
More information on this can be found on the European Commission Justice Website.
Any questions regarding this Policy and our privacy practices should be sent by email to email@example.com or by writing to All Purpose Loans, a trading style of Everything Financial, Riverside, Mountbatten Way, Congleton, CW12 1DY. Alternatively, you can telephone 01260 218313.
We keep this Policy under regular review. This Policy was last updated on 21st May 2018.