This privacy notice is issued by I C Loans Ltd, Registered Office, 16 Brandon Street, Hamilton ML3 6AB. Telephone 01698 423516.
Also trading from 93 Hope Street, Glasgow G2 6LD. Telephone 0141 221 5222.
We are authorised and regulated by the Financial Conduct Authority. We are members of the Consumer Credit Association, our trade body.
This explains how and why we acquire and use your personal information in accordance with Regulation (EU) 2016/679, the General Data Protection Regulation (GDPR).
We take your privacy seriously. Processing of your data is necessary for entering into, and the performance of, a contract with us. We will only ask for relevant information and use it to set up and manage your account.
We collect information about you:
We use your information to:
The lawful bases that we rely on for processing your data are: Contractual necessity (for assessing creditworthiness and managing loans); Legal obligation (for FCA and other legal compliance purposes); legitimate interests (for promoting responsible lending and marketing by post) and your consent (for marketing by e-mail or SMS message).
This is to comply with our legal and regulatory obligations and fulfil our legitimate interests of promoting responsible lending. If you do not provide us with your information, we will not be able to lend to you.
We may share your information with:
When CRAs receive a search from us they place a search “footprint” on your credit file whether or not the application proceeds. Records remain on file with CRAs and FPAs for 6 years after they are closed, whether settled by you or defaulted.
More information about CRAs and how they use personal information is available at http://www.experian.co.uk/crain/index.html or you can contact the agency we use below:
Equifax Ltd, Customer Service Centre, PO Box 10036, LEICESTER, LE3 4FS. Tel: 0333 321 4043 or 0800 014 2955 or visit: https://www.equifax.co.uk/Contact-us/Contact_Us_Personal_Solutions.html or email from: www.equifax.co.uk/ask
We store your information:
- within the European Economic Area (EEA)
- we do not anticipate that we will transfer your personal data outside the EEA but in the event of this we will ensure that before we do so, there is adequate protection in place to ensure the security of your data.
We keep your information:
You have the right to:
If you have a question, want to exercise your rights or make a complaint, please contact our Data Protection Officer, Mr Ewan Watson, in our Glasgow office.
You can also make a complaint to the Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF, telephone 0303 123 1113.
I agree to the terms of this Privacy Notice and acknowledge that as part of my loan application the lender may undertake searches of my records with Credit Reference Agencies and Fraud Prevention Agencies and that information regarding my loan account including positive, delinquent and default data will be reported to those agencies and may be accessed by other organisations which search my records.
We may use technology to track the patterns of behaviour of visitors to our site. This can include using a "cookie" which would be stored on your browser. You can usually modify your browser to prevent this happening, although this may prevent online purchasing from being available to you. The information collected in this way can be used to identify you unless you modify your browser settings.
If you have any questions/comments about privacy, you should contact us.
- Flexible repayment terms
- Local, same day service
- No Arrangement Fees
- Personal, friendly service
- Loans for any purpose