Privacy Policy

1. Who We Are

Your information will be held by UK Leadtech Limited. This privacy notice is to let you know how we will look after your personal information. This notice also tells you about your privacy rights and how the law protects you.

AllDayLoans is a trading name of UK Leadtech Limited, a company registered in England and Wales (Company Number: 08282024), authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 669535).

2. Contacting Us About Data Privacy

Please use the details below to contact us about any of the topics set out in this Privacy Policy, if you have any questions or want more information about how we manage your data.

3. What Information We Collect and Why

Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. The law says we must have one or more of these reasons:

• When you consent to it, or
• When it is our legal duty, or
• When it is in our legitimate interest

When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest’. We will tell you what that is if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.

The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. We will not collect or use these types of data without your consent unless the law allows us to do so.

3.1 Personal Information

We collect personal information that you provide to us when you:

• Complete our loan application form
• Contact us via email or our website
• Use our services

This information may include:

• Name, date of birth, and contact details
• Financial information (income, employment, bank details)
• Address and residency information
• Reason for the loan
• Your monthly expenditure

3.2 Automatically Collected Information

When you access our website, certain information is automatically collected, including:

• IP address and device information
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

4. Processing Your Loan Application

When you complete the online loan application form, please take this as your consent to pass your details to the lenders most likely to offer you a loan. They will make an initial decision using automated processing. If you do not want to be subject to this automated processing, please do not complete the form. You are not obliged to take any loan offered to you. You will have to sign a loan agreement from the lender before you receive any funds.

5. Further Processing

As part of our continued commitment to match you with the right loan, homeowners may be passed to Believe Loans Limited or Twibli Ltd trading as Multa Loan, who will contact you to understand if they have solutions that may be more appropriate. You are not obliged to take any loan offered to you.

If you are not offered a loan by any members of our panel and you have given your consent, we may offer you debt advice services from our carefully selected partners.

6. How We Use Your Information

We use the information we collect to:

• Process and assess your loan application
• Match you with suitable lenders from our panel
• Verify your identity and prevent fraud
• Communicate with you about your application
• Send you marketing communications (with your consent)
• Improve our website and services
• Comply with legal and regulatory obligations

7. Who We Share Your Information With

7.1 Lenders

As we are a matching service, we forward your details to the lenders on our carefully selected panel who are most likely to offer you a loan. They will contact you directly to complete your application.

7.2 T Dot UK Limited

As part of our credit broking service, your data may be shared with T Dot UK Limited, an authorised credit broker. You can find their privacy policy at t.uk/b-privacy. If you wish to opt out of T Dot UK's communications, please email info@t.uk.

7.3 Credit Reference Agencies

In order to process your application, lenders will supply your personal information to credit reference agencies (CRAs) and they will give them information about you, such as about your financial history. They do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts, and prevent criminal activity.

CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants, or other financial associates.

The CRAs we work with, and the ways in which they use and share personal information, are explained at the links below. We may also use other credit reference agencies from time to time, in which case we will ensure they operate to the same standards:

• Call Credit: www.callcredit.co.uk/crain
• Equifax: www.equifax.co.uk/crain
• Experian: www.experian.co.uk/crain

7.4 Fraud Prevention Agencies

We may share your information with fraud prevention agencies to prevent and detect fraud and money laundering.

7.5 Service Providers

We may share your information with third-party service providers who help us operate our business. All such providers are required to handle your data in accordance with applicable data protection law.

7.6 Legal Authorities

We may share your information with legal authorities when required by law, regulation, or to protect our rights.

7.7 Managing Our Business

Areas of financial services are highly regulated and as such we may need to keep records, including your personal information, and occasionally share them with regulators in our legitimate interest or as a legal obligation.

8. Data Transfers Outside the UK/EEA

We work with a software development firm located outside the UK/EEA who may have access to your personal information. Where we do transfer your personal information outside the UK/EEA to our suppliers, we will ensure that it is protected to the same extent as within the UK/EEA. We will put in place a contract with the recipient that means they must protect it to the same standards as required under UK data protection law.

9. Special Category Data

We do not collect any special category data.

10. Security of Your Information

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. We take the security of your information very seriously. We have access controls in place and all our staff are trained on the importance of data privacy and security. However, no method of transmission over the internet is 100% secure.

11. How Long We Keep Your Information

We only keep information for as long as necessary and in accordance with our retention policy.

12. Cookies

We use cookies and similar technologies to enhance your experience on our website. You can control cookies through your browser settings. For more information, please see our Cookie Policy.

13. Your Rights

Under the Data Protection Act 2018 and UK GDPR, you have the following rights:

Withdrawing Your Consent

If we are processing your personal information with your consent, you may withdraw it at any time. Contact us using the information shown in Section 2.

If Your Personal Information Is Incorrect

It is your responsibility to make sure the information you provide is correct. However, if you believe we hold inaccurate data about you, you have the right to request that we correct it.

Restricting Processing

If you want us to pause the processing of your enquiry, please contact us. You may wish to do this if you want to correct information or whilst you decide whether to withdraw your consent.

Deleting Your Information

If you want us to delete your information, we may be able to do this if you contact us. We can only delete personal information if it does not conflict with our retention policy.

Getting a Copy of Your Personal Information

You may request a copy of the information we hold about you. We will respond to your request within one month. You can contact us using the details shown in Section 2.

Portability of Information

You may ask us for a machine-readable copy of the information you entered into our online enquiry form. We will provide this via a secure method.

Making a Complaint

If you are not happy with how we have dealt with your personal information or how we have responded to your questions, you may complain to us using the contact information in Section 2. You can also complain or lodge an appeal to the Information Commissioner's Office (ICO). Find out how to report a concern on the ICO website.

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated Privacy Policy on this page and updating the "Last updated" date above. We encourage you to review this policy periodically.