Privacy Policy

This is the Privacy Policy of Lending Stream Ltd. and we respect your privacy. We understand that your privacy is extremely important to you. Our policy is designed to help you understand how we collect, use and safeguard your personal information when you use our website or apply for any of our products and/or services. We have put in place a number of measures to ensure that the personal information we obtain from you is maintained and processed in accordance with the requirements of the Data Protection Act 1998. Our practices and policies are constantly updated a nd assessed against new technologies, business practices and customer needs.

1. What information do we collect?

Our ultimate objective in collecting information about you is to provide you with an accurate tailor made lending decisions/transactions. We obtain information from our customer to help improve customers experience at our website and enable us to develop new products and procedures.

Information automatically collected and/or tracked as a result of you visiting and interacting with our website includes:

  • IP Addresses, Home Servers, web page http, domain names, type of client's computer and web browser type used;
  • Information provided by you through on-line forms, survey registration forms/surveys, sensitive personal information, and personal or financial demographic email addresses home addresses telephone numbers;
  • User specific, information or grouped on the pages selected and visited also length of time spent on the website;
  • Information gathered automatically: You do not have to provide any personal information when you browse our website, however we will collect and record electronically which pages you viewed so that we may gather statistical information for internal purposes and to assist us in developing, new products and services and ensuring our customers' experience a good level of service;
  • For example Website Use information similar to other commercial Websites, our Website utilises a standard technology called "Cookies" and web server log files to collect information about how our Website is used. Information gathered through cookies and Web server logs may include the date and time of visits, pages viewed, time spent at our Website and the Websites vested just before and after our Website. This enables us to provide a personalised convenient service by recording your preferences;
  • Information relating to your transaction with us and others such as loan balances repayment history and other information you provide when you contact us.

In considering whether to enter into this agreement we will search your record at credit reference and fraud prevention agencies. They will add to their records about you, details of our search and your application and this will be seen by other organisations that make searches.

2. Using your personal information

2.1 Personal information submitted on this website will be used for the purposes specified in this Privacy Policy or in relevant parts of the website.

2.2 We may use your personal information to:

  • Process your loan application and manage any agreement you have with us;
  • Send you details of our products and services, including details of any special promotion, we may also transfer your details to any carefully selected service provider for the purpose of providing you with details of their products and services;
  • Monitor or record any telephone calls we have with you or about your application or agreement for the purpose of training and ensuring we maintain consistently a high service standard or detect or prevent fraud or misuse;
  • Transfer to other for the purpose of processing your application or management of your agreement, including tracing and debt recovery purposes;
  • Communicate with your employer/and or your bank in relation to any aspects of your arrangements with us;
  • Disclose your information to any relevant regulatory or statutory body;
  • We may act as brokers as well as direct lenders, our products and services could sometimes be provided in conjunction with our business partners. It could therefore be necessary to disclose your information to them to provide you with the product/and or services you require;
  • We may pass it on to carefully selected third parties who may use it to make contact with you in relation to their offers that you expressed an interest in when registering on our site.

3. Other disclosures

In addition to the disclosures reasonably necessary for the purposes identified elsewhere in this Privacy Policy, we may disclose information about you:

(a) To the extent that we are required to do so by law;
(b) In connection with any legal proceedings or prospective legal proceedings;
(c) In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk); and
(d) To the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling.

4. International data transfers

Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this Privacy Policy.

5. Security of your personal information

5.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

5.2 We will store all the personal information you provide in our password-protected database. Passwords will be stored in encrypted form. Our servers are protected by a firewall. In addition, all pages on the website relating to your personal information will be protected using SSL technology, and account details will be stored in our database in an encrypted form.

5.3 Of course, data transmission over the Internet is inherently insecure, and we cannot guarantee the security of data sent over the Internet.

6. What does this Privacy Policy Not Cover?

Third Party Websites
Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites are managed under their own terms and conditions, as well a having their own privacy policies, we do not accept any responsibility or liability for these sites and their terms and conditions and policies.

Where We Store Your Personal Data
The data that we collect from you may be transferred to, stored at and processed at a destination outside the European Economic Area ("EEA"). By submitting your personal data, you agree to this transfer, storage and processing. Lending Stream Ltd. will hold and transmit your information in a safe, secure and confidential environment.

7. Policy amendments

We may update this Privacy Policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes.

8.Your rights
8.1 You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to the payment of a fee (currently fixed at £10.00).

8.2 You may instruct us not to process your personal information for marketing purposes at any time by using our website contact form. (In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.)

Contact
In the event of any query please contact us:
Lending Stream Ltd,
Wisteria Cavendish House,
369 Burnt Oak Broadway,
Edgware, Middlesex,
HA8 5AW