Privacy Policy

easyloans.co.uk is a trading name of Quick Loans Ltd, registered in England and Wales, company number 09619094. Our registered office is Vicarage Chambers, 9 Park Square East, Leeds, LS1 2LH.

We are the data controller for the information described in this policy. We are registered with the Information Commissioner's Office under registration number ZB551472.

We are authorised and regulated by the Financial Conduct Authority, firm reference number 763132.

If you have any questions about this policy or about how we use your information, contact us at help@easyloans.co.uk or write to us at Vicarage Chambers, 9 Park Square East, Leeds, LS1 2LH.

Information you give us. When you complete an application form or contact us, we collect:

• Your name, date of birth, and marital status
• Your current address and, where relevant, your previous addresses
• Your email address and telephone numbers
• Your employment status, occupation, employer, and length of employment
• Your income, regular outgoings, and details of existing credit commitments
• Your bank account details, including sort code and account number
• The amount you want to borrow and the period you want to borrow it over
• Any other information you choose to give us in correspondence

Information we collect automatically. When you visit the site we collect your IP address, browser type and version, device type, operating system, the pages you view, and the time and date of your visit. We use cookies and similar technologies to do this. Our Cookie Policy explains what we set and how to control it.

Information we receive from others. We receive information about you from:

• Credit reference agencies, including your credit history and details of searches carried out
• Fraud prevention agencies
• Lenders and other credit brokers we work with, including whether your application was accepted or declined
• Comparison sites, introducers, and other websites that refer you to us, where you applied through them
• Publicly available sources such as the electoral register and Companies House

To assess your application we may carry out a search with one or more credit reference agencies. We use quotation searches, often called soft searches. These are visible to you when you look at your own credit report, but they are not visible to lenders and they do not affect your credit score.

If you go on to apply directly with a lender we introduce you to, that lender may carry out a full credit search. A full search is recorded on your credit file and can be seen by other lenders. That search is the lender's, not ours, and it will be covered by the lender's own privacy policy.

Credit reference agencies keep a record of our searches whether or not your application proceeds. They also link the records of people who are financially associated with each other, for example if you have a joint account.

The credit reference agencies we work with are Experian, Equifax, and TransUnion. They have produced a shared document called the Credit Reference Agency Information Notice, which explains in full how they use your information, how long they keep it, and the rights you have. You can read it at www.experian.co.uk/crain, www.equifax.co.uk/crain, or www.transunion.co.uk/crain.

We and our partners may check your details against fraud prevention databases. If we think there is a risk of fraud, we may refuse to process your application, and a record of that decision may be kept by the fraud prevention agency. Other organisations may then take that record into account when you apply for services from them. This can affect your ability to get credit, insurance, or a bank account, and it can affect your ability to open an account in another country.

We keep records of fraud risk for up to six years, or longer where a fraud is confirmed.

• Lenders and other credit brokers. This is the core of what we do. When you apply, we pass your details to lenders and, where appropriate, to other brokers who may be able to arrange the credit you have asked for. They will use your information under their own privacy policies and will become data controllers in their own right.
• Credit reference agencies and fraud prevention agencies, as described above.
• Suppliers who work on our behalf, including our hosting provider, email provider, telephony provider, analytics provider, and identity verification provider. They act on our instructions and cannot use your information for their own purposes.
• Regulators and law enforcement, including the Financial Conduct Authority, the Financial Ombudsman Service, HM Revenue and Customs, and the police, where we are required or permitted to disclose.
• Professional advisers, including our lawyers, auditors, and insurers.
• A buyer or successor, if our business or part of it is sold or transferred.

We do not sell your personal information.

Applications submitted through this site are assessed automatically. Our system compares the information you give us against the lending criteria of the lenders on our panel and works out which of them, if any, we can introduce you to. Nobody on our staff reviews that before you are shown the outcome, which means some applications are ruled out without a person having looked at them.

Because the decision is automated, you have the right to:

• ask for a person to review it
• tell us anything you think should have been taken into account
• challenge the outcome

Email us at help@easyloans.co.uk and a member of our staff will go through your application again. We cannot make a lender accept you, but we can check that the information we used was correct and that the criteria were applied properly, and we will tell you what we find.

We keep your application information for six years after your relationship with us ends. This is because the Financial Conduct Authority requires us to keep records for that period, and because it is the limitation period for most claims.

If we record a telephone call with you, we keep the recording for 12 months. Website analytics data is kept for 12 months. If you ask us to stop sending you marketing, we keep a record of that request indefinitely so that we can honour it.

Where we no longer need your information, we delete it or anonymise it so that it can no longer be linked to you.

We do not market to you unless you ask us to.

There is a marketing box on our application form. It is not ticked when you arrive at it, and you do not have to tick it to apply. If you leave it alone, we will not send you offers by email, text, post, or telephone.

If you do tick it, you can change your mind at any time. Every marketing message includes a way to unsubscribe, and you can email us at help@easyloans.co.uk to be taken off our list. We will act on that straight away.

Opting out of marketing does not stop us contacting you about an application you have already made, because we need to be able to do that to deal with it.

Lenders and other brokers we pass your application to are separate organisations and make their own decisions about contacting you. Their privacy policies explain what they do and how to opt out with them.

Under UK data protection law you have the right to:

• Be told how we use your information, which is what this policy is for
• Ask for a copy of the personal information we hold about you
• Ask us to correct information that is wrong or incomplete
• Ask us to delete your information, though we cannot do this where we are required to keep it
• Ask us to restrict how we use your information while a query is being resolved
• Object to us using your information where we rely on legitimate interests, and object at any time to direct marketing
• Ask us to transfer information you gave us to another organisation, where it is held electronically and we rely on your consent or on a contract
• Withdraw your consent at any time, where consent is what we rely on

There is normally no charge, and we will respond within one month. We may ask you to confirm your identity first. To make a request, contact help@easyloans.co.uk.

We review this policy regularly. If we make a significant change, we will say so on this page and update the date at the top. This version replaces any earlier version.

If you are worried about money, you can get free and impartial advice from MoneyHelper.