bestloans.co.uk is a trading name of TFLI Limited, who are authorised and registered with the Financial Conduct Authority as a credit broker, reference number: 723630. TFLI Limited is registered in England and Wales (Company number 08424810), Registered Office; Grimshaw Lane, Bollington, Macclesfield, Cheshire, SK10 5JB. Licensed by the Information Commissioners Office, (registration number Z3585914).
bestloans.co.uk are aware how important your privacy is, based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at Best Loans may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
Unless you state otherwise to us, lenders, third parties and other brokers (see further section on 'How we keep you informed') may contact you via telephone, email, post, SMS, automated messages
If you are required to telephone us using the specified telephone numbers on our website under the Contact or advertising/marketing correspondence then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.
If you register with us and have a question about our services, or alternatively choose to send an email to email@example.com may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' page).
We collect personal information about you when you give this to us when applying for a loan product online. This might be, for example, to obtain comparative quotes for the loan and alternative financial solutions such as debt management plans, bankruptcy and individual voluntary arrangements. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or payment details.
We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits.
We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
We may use your personal information:
Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties will be entitled to contact you (depending on your contact preferences) via email, post, telephone, sms, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.
Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.
When you complete an application, you consent to us disclosing your personal information to the following parties:
|Services Provided:||Company Details:|
Personal Loans & Short term loans
Loans where a guarantor is liable for the loan
Introducing customers to Short Term Loan providers
Car Finance Credit Brokers
Introducing customers to Car Finance providers
|Utility switching providers for TV / Broadband, Gas and Telephone Contract||
|Mobile Finance Providers||
Claims Management Companies for the purposes of contacting you about
PPI Claims, Packaged Bank Account Claims and Flight Delays Claims
Alternative Solutions Providers - Debt Management Companies offering financial solutions such as
Debt Management Solutions, Bankruptcy, Individual Voluntary Arrangement, Protected Trust Deed, Debt Arrangement Scheme, Sequestration, Debt Relief Orders
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering. Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.
By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the Lender or Finance Provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.
Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.
They work in the following ways with various organisations:
Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the policy) and verify the information that you have provided before providing a quote to you. Some providers may carry out checks with fraud prevention and credit reference agencies. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with lenders in order to determine your loan amount. If providers carry out these searches, a record of the search will appear on your credit report. Some providers may also check public and private higher education sources to obtain information about your educational background.
This information exchange allows providers to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent loans. These checks are not unique to users of our Services - they may also be carried out if you obtain quotes from other sources.
A cookie is a very small text file placed on your computer or device. Cookies help us to:
Most cookies are deleted as soon as you close your browser or mobile application - these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire. Every time you visit BestLoans.co.uk, you will be kept signed in for a further 90 days. By using the Services, you consent to us using cookies.
Our Sites are "Let's Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.
We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.
You have certain rights under data protection legislation. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing. The law allows us to charge you a £10.00 fee for a copy of such information and we may do so.
If you would like to opt out of future contact from Best Loans please enter your details via www.removeme.co.uk or email firstname.lastname@example.org where your details will be removed from any future marketing campaign.
In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.
Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.
Once you have submitted your loan application via the BestLoans.co.uk we will only hold that information for twelve months. Once the twelve month period has passed all of your personal data will be deleted from our systems. If you require further information on our data retention policies please email: email@example.com.
Best Loans always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we're keen to resolve it as quickly as possible. You can contact us is any of the following ways:
Complaints Department, Best Loans, Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB
01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users' free minutes)
By Email: complaints@BestLoans.co.uk
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -
Financial Ombudsman Service
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk
You can report any of your concerns to the Information Commissioner's Office (ICO)
Information Commissioner's Office
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510
Our application process requires us to send you multiple SMS messages to provide you information regarding your Loan Application. This will also consist of details relating to specific Lenders and the service provided by Best Loans / TFLI and will also include periodic SMS messages as new lenders and products are added to our panel.
You can opt out from these messages at any time.
Voluntary Acquiescence to the proposal of another; the act or result of reaching an accord; a concurrence of minds; actual willingness that an act or an infringement of an interest shall occur.
Consent is an act of reason and deliberation. A person who possesses and exercises sufficient mental capacity to make an intelligent decision demonstrates consent by performing an act recommended by another. Consent assumes a physical power to act and a reflective, determined, and unencumbered exertion of these powers. It is an act unaffected by Fraud, duress, or sometimes even mistake when these factors are not the reason for the consent.