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Privacy Statement

luckyloans.co.uk is a registered Trading Name of Ocean Capital Credit Limited which and is entered on the Financial Services Register. Ocean Capital Credit Limited is registered in England and Wales (Company number 9414413), Registered Office; Unit 9 Lawnhurst Trading Estate, Ashurst Drive, Stockport, SK3 0S. Licenced by the Information Commissioners Office, (registration number ZA152869).

Here at Lucky Loans we are aware about how important your privacy is and 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. In addition to this it will also be processed and maintained 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 Lucky Loans may hold about you, our customer, how we obtain and process any information we may have and, most importantly, how we will protect your privacy.

Changes to this privacy policy
Ocean Capital Credit Limited may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website, please be aware that this privacy policy was last updated on the 25/11/2015. Please visit this policy on a regular basis to make sure you have read the latest version and you understand what we do with your information

How we may contact you
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 or fax.

How we keep you informed
We may want to make contact with you at some point in order to keep you informed about offers on products or services, which we think you may find of interest. This contact will be made via telephone, email, SMS, automated messages or fax. Third parties may also wish to contact you using the information that we have shared with them. Any information that is shared with third parties is completely trusted for the purpose it is specified for. Third parties may also use the same means of contact stated above. Third parties could contact you as we may be unable to offer you the payday loan you are looking for. This is because the third parties may have a product or service to offer you, which could potentially suit your needs. If this is the case, the third parties will pass your details onto a lender, who may require carrying out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful, they will too have their own privacy policy and we recommend that you refer to them. Upon making your application, you will be requested to agree to their use of your information.

Obtaining Data/Information

1. You are free to access and browse our website at your convenience and you do not have to provide any personal information/data. However we would like to refer you to our ‘Cookies’ paragraph set out within this privacy policy
2. The information/data that we would normally collect from you is as follows:
   1. Name
   2. Residential address
   3. Residential status
   4. Date of birth
   5. National insurance number
   6. Email address (if applicable)
   7. Telephone number (home, mobile, work)
   8. Income details
   9. Details of bank account
   10. What you do on our website; the results of this will be used to show Lucky Loans examples of which parts of our website are most and least used (please refer to ‘Cookies’ paragraph).

However if you register with us, have a question about our services or alternatively choose to send an email to contactus@luckyloans.co.uk, we may also collect the above personal information/data in this in order for us to respond to your enquiry. We may also receive personal information for instance from 3rd parties, which enables us to offer identified potential customer’s products and services, who have expressed interest in our products and services. Any information/data obtained from 3rd 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 that we can ensure it is corrected. If you require your preferences to be updated, please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ paragraph).

How we use your Personal Information

1. Information that is collected by us, Ocean Capital Credit Limited, will be recorded electronically and may be used by us in the following ways:
   1. To verify customers identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
   2. To assess your credit history and confirm your employment details.
   3. To extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
   4. To detect, prevent and investigate actual and potential fraud and related activities.
   5. To develop, manage and market products and services to meet our customers’ needs and to contact customers regarding products and services that may be of interest and to determine the eligibility for different products and services that our customers may be interested in.
   6. To contact you in connection with your enquiry.
   7. To update this website to better meet our client’s needs in the future.
   8. To help Ocean Capital Credit Limited to carry out admin and service your account.
   9. Information may be transferred to third parties which may be located outside the European Economic Area. We will ensure that your personal information is protected to the level of standards in accordance with the data protection act 1998.

Fraud prevention agencies & credit referencing
Upon application to us we may use both fraud prevention agencies and credit referencing agencies to help us make relevant decisions. This section has been reduced down into a simple explanation of how we will use your personal information/data regarding credit referencing agencies and fraud prevention agencies. Further information on fraud prevention agencies can be obtained from the Lucky Loans Limited Compliance Manager. If you do choose to contact the Credit Reference Agency (CRA), please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs. A small fee will be charged when information is requested. This fee currently stands at £2.00. To help you with this, we have provided below contact details for the CRAs:

Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US, Tel number 0870 010 0583, www.equifax.co.uk

Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF, 0844 4818000, www.experian.co.uk

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, 0870 060141

We will make the following checks about yourself and others:

1. Credit Reference Agencies (CRAs) – when this type of check is made a footprint will appear on your credit file, this can be seen by other lenders. CRAs will provide us with shared credit information, fraud prevention information and public information; this information will include the electoral register.
2. Fraud Prevention Agencies (FPAs) – when we assess your application we will also check customer’s identities in order to prevent fraud and crime against customers; this also includes money laundering. 247 Cashline may also make additional searches over periods of time with CRAs and FPAs. This ensures that our records are kept up to date with any vital information. This information will then be used to ascertain whether to continue with your credit or any future credit that may be available. As we have an obligation to comply with responsible lending, FPAs and CRAs assist us in doing so.
3. Joint Applications – If you, the customer, make a joint application or you advise that you have a spouse or financial associate, your customer records will be associated and linked together. This will ensure that the agreement has been made from both applicants to discuss and disclose information. A link will also be made with CRAs; the link will remain until one or both applicants inform and apply with the CRA for a disassociation to end the link.
4. Information sent to CRAs – Information received by CRAs will be recorded by them. If after an application with us you take out a loan, the activity and details of management of your account will be passed onto them. In the event that you take out a loan with us and fail to repay back the full funds required this will also be recorded with the CRA. In this case information may be passed onto other companies by CRAs and FPAs in order to locate and trace you in order to recover any outstanding debts. We must warn you that if this does occur then this will remain on your record for 6 years once a case has been closed by either settlement or default.
5. Inaccurate information provided by you – False or inaccurate information if given by yourself will be brought to the attention of FPAs or other relevant companies who deal in fraud/crime prevention. The same applies if we suspect fraud or false or inaccurate information has been supplied. Any reported instances may also be accessed by law enforcement agencies i.e. HMRC, regulatory bodies or the police, for use to prevent any possible fraud and money laundering for the following:
   1. Managing credit and credit related accounts or facilities
   2. Recovering debt

• Checking details on proposals and claims for all types of insurance

1. Checking details of job applicants and employees

1. Information recorded outside the UK – we may use and get access to information outside of the UK that has been recorded and reported by fraud prevention agencies.
2. Information/data usages for other purposes – if you have given permission for your information to be used for other purposes, in limited circumstances your information may be used for other purposes when required by law or under the terms of the Data Protection Act 1998.

Do we share your information with third parties?

Yes we may share your information with partners, who may process the personal information/data that you have provided to us; however this will only be for the purpose that this privacy policy specifies.

If we do share your information with parties outside of our group this may be for the following reasons:

1. To assist in finding you a loan. As we are a finance broker our services are often provided in conjunction with other partners. To assist you in finding a product/service we would need to provide these partners with your information in order for us to help you.
2. Our staff and agents will require your information in order to carry out a service for you on behalf of us.
3. If you wish to be provided with details of special offers and promotions, we outline this in the section called ‘How we keep you informed’.
4. In order to protect our business along with our group of affiliated companies and possible others. Your information may be shared with third parties when we believe it is necessary to comply with the law or protect our rights or another person’s rights, property, or in fact safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory bodies or other lenders; if this is the case it will protect us against fraud and also reduce any risks exposed to.
5. If the occasion arises whereby our company changes ownership or assets, then the new proprietors will need access to your information in order to continue with operations and to run the company effectively. This would cover shareholders and other companies where the agreement of transfer has been established.

Confidentiality & security
Lucky Loans recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would also confirm that any and all such third-parties that we share your data with are bound by contract to maintain the security and integrity of your Personally Identifiable Information. As such we would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so. Please be advised that, although Lucky Loans takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, Lucky Loans cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this Site and your use of Lucky Loans services, which necessarily includes data storage and data transmission, are done at your own risk.

How long do we keep your information for?

The amount of time we hold your information for depends on the basis it was provided by you to us; please see the following examples:

1. If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
2. Information is also kept relating to any transactions you may enter via our website, this information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do this to ensure that if any disputes or complaints are raised, then we have your information to enable us to address the complaints or disputes. Your information will be kept, however it will be purely for business needs.
3. In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
4. Another reason for us to keep information about you is for legitimate business needs where relevant so we can comply with what the law states.

Usage of links to other sites
We may provide links to other websites via our website; if we do so then we cannot be held responsible for the other sites privacy policy as they will hold their own specific to them. This also applies to site content, practices they carry out and the services and products they may offer; all of which we cannot take any liability for.

Processing of sensitive information
Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:

1. Health conditions
2. Racial or ethnic origin
3. Political opinion or trade union membership
4. Sexual orientation
5. Philosophical beliefs
6. Religious beliefs
7. Suspected or proven criminal activity (which includes proceedings)

Cookies

1. Usage Lucky Loans uses cookies to assist us in analysing the traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting our website, cookies with any pages that you choose to view will be downloaded onto your computer. Cookies are a good way of helping us by being used as a measuring tool to assess our visitors and their own profiles; this will then enable us to offer our customers a better service. Although we use cookies as above we would not store anything that would make the customer identifiable i.e. passwords or locations, activity relating to finances and also their preferences. We also use customer information in order to assist us to see how effective our website is and also to highlight any improvements we may need to make. This information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make customers identifiable. Most web browsers will automatically accept cookies however normally you can change your browser settings which will prevent automatic acceptance. Please be aware that if you do not accept cookies, Lucky Loans cannot guarantee that our website will perform as well.

To see your cookie code, simply click on a cookie to open and view it. There will be a string of numbers and text displayed. The numbers will represent your identification card; be assured that this can only be seen by the server that allocated you the cookie.

• Additional cookies information – The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.

Contact about this privacy policy

If you have any queries or concerns relating to our privacy policy then please send an email to our Compliance Manager at following address:

contactus@luckyloans.co.uk

Alternatively you can write to:

Compliance Manager,
Lucky Loans
Unit 9 Lawnhurst Trading Estate,
Ashurst Drive,
Stockport,
Cheshire,
SK30SD

Lucky Loans would like to thank you for taking the time to read our privacy policy.