Last updated November 2015

Your Personal Information 

Central Loans Limited is the data controller under the Data Protection Act 1998 in relation to the processing of your personal data in connection with the website www.theloansengine.co.uk and your loan enquiry.

We use your information to provide you with a quote, to process your application and for marketing purposes (see Future Marketing below). We will contact you by phone, email and text unless you tell us otherwise. We will treat all your information as private and confidential (even when you are no longer a customer) except where we are permitted to disclose your information by law, or where the disclosure is made at your request, or is made with your consent in relation to arranging your loan or mortgage.

Where necessary to process your application, your data will be shared with third parties such as the lender, your mortgage provider, joint applicants and credit reference agencies (see Credit Searches below). Where your application has been introduced by a third party, for example another broker, we may disclose information concerning the progress of your application to them.

Telephone calls will be recorded for monitoring, staff training and regulatory purposes.  

We will store the information we hold about you on computer and in other records. We will use your information in accordance with the principles of the Data Protection Act, including data security requirements.  We will only use this information for the purposes registered under the Data Protection Act. This may include sharing your information with other Group companies.

Further information regarding how we use your information will be provided by us with any loan documentation that may be sent to you.

You have the right of access to your personal records upon request to the Data Protection Officer and payment of a £10 fee. Should you wish to exercise this right or if you have any questions or comments regarding our data protection policy or any matter referred to in our policy please contact the Data Protection Officer at the correspondence address shown below.
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Future Marketing
Unless you advise us to the contrary, both we and other brokers or lenders we refer your application to may contact you by telephone, letter, e-mail, sms or fax to offer other products which they feel may be of interest to you, including mortgages.

If you do not wish to be contacted with offers of other products which we think may be of interest to you please write to the Data Protection Officer at the correspondence address shown below, or e-mail your name and address (including postcode)to unsubscribe@theloansengine.co.uk
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Credit Searches
We will make searches about you at credit reference agencies who will supply us with credit information, as well as with information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds.

We will only perform an ‘Enquiry Search’ at this stage, which will not affect your credit rating. This type of search is recorded as a multi-footprint “SQ” Search Quotation which you will be able see on your credit report.  Other lenders and credit providers will not be able to take these into account when deciding whether to offer you credit in the future.

If you decide to proceed with a personal loan application, then the lender will perform an ‘Application Search’. Application searches may affect your credit score as they are used by lenders when deciding whether to lend you money.  An Application search will be conducted only when we submit your completed application to the lender. 

Credit-scoring methods will be used to assess your application and to verify your identity. Credit searches and other information provided to us and/or the credit reference agencies, about you and those with whom you are linked financially, may be used by Central Loans Limited and the lender in connection with your application. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account. 

To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records as well as using fraud prevention agencies who will supply us with information. We may also pass information to organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) in relation to credit or credit-related services.
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Financial Associates

In addition to the terms stated for a credit search above, information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.
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Complaints
What happens if things go wrong?

You should find your dealings with us to be prompt, efficient and friendly. Our aim is to provide you with a world class, professional and confidential service. If you have a complaint about any aspect of the service you have received our staff will be happy to help resolve your concerns.

We recommend that you bring your concerns to our attention as soon as possible - the sooner we know about it the sooner that we can resolve it.

We have a formal complaints procedure to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request.

On receipt of your complaint the matters raised will be investigated by an independent Complaint Handler within the company.

Should it be necessary to obtain information from third parties to further these investigations, you will be informed of this and where appropriate your written authority obtained before any disclosures being made by us to third parties.

For further information or to make a complaint please contact the Complaints Handler at the correspondence address shown below, or email: complaints@theloansengine.co.uk

 

If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service:

Address: The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Tel: 0800 023 4567 (0300 123 9123 from mobile phones)

Website: www.financial-ombudsman.org.uk
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General Terms of Use

General
The website  is owned and maintained by Central Loans Limited. By accessing and using this website you are agreeing to abide by the terms and conditions contained in our Legal and Privacy Notice. If you do not agree to abide by these terms and conditions, please do not use this website.
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Central Loans Limited

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Association of Finance Brokers 
Central Loans Limited is a member of the Association of Finance Brokers (AFB). For more information, visit their website: www.theafb.net
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Links to Other Websites
Links to third party websites are provided solely for your convenience. When you use the links you are leaving our website. Please be aware that we are not responsible for the content of third party websites or for the privacy practices of the operators of such other sites. 
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Links to this Website
We will allow third parties to link to our website only with our written consent. Consent will only be given if third parties agree:

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Cookies, Log Files, Clear Gifs
We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users.

When setting a cookie on our site, we allocate each visitor a Unique Reference which follows them throughout the site. This Unique Reference is logged along with referring domain information; your email address is only logged in the event that you make a loan application. If you do not make a loan application, only your referring domain information is stored.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.

To opt out of being tracked by Google Analytics across all websites (not just our own) visit http://tools.google.com/dlpage/gaoptout.

Like most standard web site servers, we also use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use.

On occasion, we may employ a software technology called clear gifs that help us monitor the effectiveness on certain marketing and advertising which we do across the internet. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users.
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Cookies in detail:
Cookies in use Purpose Lifespan Ours or 3rd Party

Cookies in use

Purpose

Lifespan

Ours or 3rd Party

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This cookie is typically written to the browser upon the first visit to our site from that web browser. If the cookie has been deleted by you, and you subsequently visit our site, a new utma cookie is written with a different unique ID. This cookie is used to determine unique visitors to our site and it is updated with each page view. Additionally, this cookie is provided with a unique ID that Google Analytics uses to ensure both the validity and accessibility of the cookie as an extra security measure.

2 years from set/update unless deleted within your browser settings.

Google Analytics

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This cookie is used to establish and continue a user session with our site. When you view a page on our site, the Google Analytics code attempts to update this cookie. If it does not find the cookie, a new one is written and a new session is established. Each time you visit a different page on our site, this cookie is updated to expire in 30 minutes, thus continuing a single session for as long as user activity continues within 30-minute intervals. This cookie expires when you pause on a page on our site for longer than 30 minutes.

30 minutes from set/update.

Google Analytics

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This cookie stores the type of referral used by you to reach our site, whether via a direct method, a referring link, a website search, or a campaign such as an ad or an email link. It is used to calculate search engine traffic, ad campaigns and page navigation within our own site. The cookie is updated with each page view to our site.

6 months from set/update.

Google Analytics

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Third Party Advertisers
We may share web site usage information about users with a reputable third party for the purpose of targeting our internet banner advertisements across the web. The information we may share with them is not personally identifiable in any way to any of our users.
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Intellectual Property
The copyright and all other intellectual property rights in all material on this website are owned by Central Loans Limited. You may print and download extracts from it only if you do not modify documents or related graphics and our copyright and trade mark notices appear in all copies. Otherwise no part of this website may be reproduced or stored without our prior written permission. 
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Provision of Service
While we endeavour to ensure that this website is available 24 hours a day, access to it may be suspended temporarily and without notice, for example in the case of system failure, maintenance or other reasons beyond our control. We are not liable if the website is unavailable for any period of time.
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Disclaimer
We endeavour to ensure that the information on this website is correct and up to date. However, we do not warrant the accuracy and completeness of material on the website.

We may make changes to website content, or to products and prices described in it, at any time and without notice.
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Liability
Central Loans Limited excludes all liability and responsibility for any loss or damage that may result to you or a third party in connection with this website or use thereof. This includes loss or damage caused by viruses.

Note that our liability is not excluded or limited for death or personal injury caused by negligence; fraud; misrepresentation or any liability which cannot be excluded or limited under applicable law.
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Changes to the Legal and Privacy Notice
We may make changes to this Legal and Privacy Notice at any time. Changes will be notified by the amended version of the Notice being posted on this website. You should therefore check this website from time to time to ensure you are aware of the latest terms and conditions applicable to your use of the website.

In order to register as a Financial Intermediary or to apply for a loan, you will need to accept certain terms and conditions. Those terms take precedence over the Legal and Privacy Notice if there is conflict between them.
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Governing Law
This Legal and Privacy Notice and your access to and use of this website is governed by and interpreted in accordance with English law.

Disputes arising in connection with this Legal and Privacy Notice and your access to and use of this website are subject to the exclusive jurisdiction of the English courts.
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Queries
Should you have any general queries or concerns regarding this privacy statement, please don’t hesitate to contact us using the email address below.

E-mail: info@theloansengine.co.uk
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