Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short-term lenders.
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short-term lenders.
Handycashhomecredit Ltd, a company registered in Scotland under number SC591917 of Victoria House 87 High Street, Tillicoultry FK13 6AA, is the data controller responsible for your personal data. We are authorised and regulated by the Financial Conduct Authority with registration number FRN 820537.
This notice sets out in clear and plain language our commitment to protecting and respecting your privacy and your data rights as required by data protection legislation applicable in the UK. If there is anything you do not understand after reading it, please contact us using the details below.
Here is where we explain:
It applies whenever we collect your personal data (including when you use our website or other digital platforms), so please read it carefully.
Please note that this privacy policy forms part of our website terms of use, which you can read by clicking on Terms and Conditions. By visiting www.handycashhomecredit.com and continuing to click through, you are accepting and consenting to the practices described in this notice.
In order to operate our business and provide our products to our customers, we gather several different categories of personal data.
Some of this data we gather directly from you either online or via our agents during the loan application process and then afterwards during the term of the loan. Some we obtain indirectly by reason of your interactions with us on our website and some from third-party sources where you give us permission or it is necessary to perform (or for us to prepare to perform) our contract with you as a customer or comply with a legal obligation such as credit reference agencies, fraud prevention agencies, or any third party you might seek assistance from which contacts us on your behalf.
| Purpose | Legal Basis | Explanation |
|---|---|---|
| Developing new products and services | Legitimate Interest | Using data to analyze products and services and develop new ones. |
| Advertising our products and services | Legitimate Interest | Informing you about our products and services. |
| Analyzing customer product use | Legitimate Interest | Improving our products and services. |
| Market research | Legitimate Interest | Ensuring our products meet customer needs. |
| Managing third-party service relationships | Contractual Performance | Sharing relevant personal data with third parties as needed. |
| Delivery of our products and services. Management of customer payments. Managing interest due on customer accounts. Collection of money that is owed to us. | Contractual Performance | Managing customer payments and interest due. |
| Detection, investigation, reporting and prevention of financial crime. | Legal obligationand contractual performance | Fulfilling our legal and regulatory duties including in connection with our contract with you. |
| Effectively operating our business by the management of our financial position, business capability, planning, communications, corporate governance, and audit | Contractual Performance | We require to ensure we have the capability to perform our contract with you. |
We may share your personal data with the following categories of third party, any such sharing data will be under a contract requiring compliance with rules protecting your privacy:
We need to collect personal data from you for performance of a contract and for compliance with our legal obligations. You may refuse to provide us with your personal data at any time in our relationship because you object to such processing, but if you do so we will not be able to provide you with credit, may have to terminate our relationship with you or we may not properly be able to perform our contract with you. If you do withdraw consent where we have asked for it this will not invalidate the use of your personal data prior to the withdrawal.
We shall not send any of your personal data outside the EU without your prior consent.
In order to process your application, we will perform credit and identity checks on you with one or more credit reference and fraud prevention agencies (“CR/FPAs”).
To do this, we will supply your personal information to CR/FPAs, and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CR/FPAs will supply us with both:
We will use this information to:
We will continue to exchange information about you with CR/FPAs while you have a relationship with us.
When CRAs receive a search from us, they will place a search footprint on your credit file that may be seen by other lenders. If we notify them of criminal activity on your account, they will keep a record of this, which may result in other organisations refusing to provide you with services or employment.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods, and your data protection rights with the CRAs are explained in more detail at:
You have a number of rights in respect of how we use your personal information:
You can exercise the above rights by contacting us:
To access information held by credit reference agencies, you must contact them directly:
If you are dissatisfied about how we have used your personal data you can contact us using the same methods outlined above. Alternatively, you also have the right to complain to the Information Commissioner’s Office though they will ask you whether you have raised the matter with us beforehand. Find out how to report a concern on their website:ico.org.uk/concerns.
We will keep your personal data for as long as you are our customer. After you stop being a customer for any reason we will keep your personal data for no longer than 6 years. We do this because we are obliged to hold transactional data for up to 5 years anyway and in order to answer any regulatory inquiries or respond to any complaints during this period. Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Our site may contain links to third-party websites with separate privacy policies. We do not accept responsibility for their practices.