Privacy policy

This is the privacy policy of East Lancashire Moneyline (IPS) Ltd Trading As Moneyline, Registration number 29282R. East Lancashire Moneyline (IPS) Ltd Trading as Moneyline is the data controller and is registered with the Information Commissioner’s Office (ICO) registration number Z5949140.

Moneyline is committed to protecting and respecting your privacy and your complete confidence in how we handle your data is important to us. Please read our policy carefully, as it tells you how we collect, use, store and share your information.
By using our website you will be regarded as having read and accepted this privacy policy. If you do not wish to be bound by the terms of this privacy policy, you should not use our website.

Information we collect

We collect information from you in person, through telephone calls with our service team, our website and third parties.
We will only collect information which is necessary in providing our products and services to you. By submitting your personal information to us, you are confirming that the information you are giving is correct and relates to you.
We may also collect information from you by way of surveys or feedback to us. We may also collect information by you using cookies, please see our Cookies Policy.
We may contact you by telephone, email, SMS or post from the information you have provided and where required by the consent you have given.
We may ask for information from you when you report problems with our site.

How we use your information

Your information will be used:
• to see if our product is right for you.
• to assess your affordability.
• to make lending decisions.
• to process your loan application.
• to create and manage your credit agreement.
• to keep your records up to date.
• to get information about your credit history.
• To confirm your identification.
• To provide HBOS with information relevant to opening and managing your savings account.
• to confirm your employment details.
• for the purposes of debt collection which may include providing your data to third party debt collectors, for statistical analysis.
• to record visitor information and activity when you visit our website.
• to evaluate the effectiveness or our marketing, market research.
• to improve our services and to carry out regulatory checks.
• to remain in contact with you by telephone, SMS, email or post.
• Where your express consent has been given use your information to send you details about our products and services. At the time of obtaining your data we will explain how we will contact you to inform you about our products and services and how you can unsubscribe at any time.
• to comply with legal an regulatory requirements.

We may also use your information to tell you about activities and/or events, to respond to enquiries or complaints.

Sharing your information

We share your information with Credit Reference Agencies (CRA’s) and Fraud Prevention Agencies (FRA’s) in order to process your application. We may also share details of payments and any default or failure to maintain the terms of the credit agreement.
The CRA’s who also sometimes act as FPA’s will use the information we supply (Name, Address and Date of Birth) to check against the personal data they hold about you (name, address, date of birth) which they get from Royal Mail, Electoral Roll, so we can confirm your age and identity, to detect or prevent criminal activity, fraud and money laundering, to record defaults and for debt recovery purposes to trace an updated address where you have moved without telling us. The CRA’s will give us information they hold about your financial history so we can assess your affordability for our products and to confirm that our products are right for you.
We will also share your data with HBOS when you set up a savings account with us and HBOS will hold your data to open and manage your account.
We may disclose your information to a third party where we are under a duty to disclose your data in order to comply with any legal obligation and in order to enforce or apply our terms of use, terms of other agreements or to protect the rights, property or safety of Moneyline. Also, we may share your information with the appropriate law enforcement or regulatory authorities where you give false or inaccurate information and we identify or suspect fraud.
Where your personal details are required for research purposes by a third party we will obtain your express permission before disclosing your details.

How we store your information

In addition to keeping the information we collect from you in connection with your application and the creation and maintenance of your credit agreement, we retain correspondence exchanges between us including letters, e-mails, SMS messages for as long as there is a genuine business need.
We will not keep any personal data for longer than required for our services, other legitimate business need or for legal and regulatory purposes. We will do all we can to protect your personal and financial data.
Your information including your personal data will be stored on Moneyline secure servers and will not be available to the public. Your data will only be accessed by employees and third parties who have a need to access such information. Information in transit is protected by encryption technology. We employ firewalls and other security technologies to protect our servers from external attacks.

Your rights

You have the right at any time to access the information we hold about you, free of charge.  You also have the right object to us processing your data or request for data to be corrected or erased where there is no legitimate business need or legal reason for keeping it.   For more details about exercising your rights, please send an email to compliance@moneyline-uk.com or call us on 0345 643 1553.

If you are unhappy about how your personal data has been used please refer to our complaints policy on our website.  You may also complain to the Information Commissioner’s office https://ico.org.uk, the regulators for processing of data.

 

Disclaimer

Our Website may from time to time, contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for the contents of these policies. Please check these policies before you submit any personal data to these websites.
Complying with data protection and privacy laws is one of our greatest priorities and we do all we can to protect your personal data, however, transmission of information via the internet is not completely secure and we cannot guarantee the security of your data transmitted to our site, any transmission is at your own risk.

Cookies

When you visit our website we may collect information about your computer, including where available, your IP address, operating system and browser type.  For more information on how we use cookies please refer to our Cookie Policy on our website.

Changes to our privacy policy

We may make changes to this Policy any time.  Any changes we may make will be posted on this page and the date they were last updated is contained at the bottom of this policy.

Contact us

You can send any questions or comments about this Policy or the use of your personal information to:
The Compliance Department
East Lancashire Moneyline (IPS) Ltd
The Globe Centre
St James’ Square
Accrington
BB5 ORE

Or email them to compliance@moneyline-uk.com

This Privacy Policy was last updated May 2018