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.
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
However if you register with us, have a question about our services or alternatively choose to send an email to firstname.lastname@example.org, 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
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:
Do we share your information with third parties?
If we do share your information with parties outside of our group this may be for the following reasons:
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:
Usage of links to other sites
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:
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.
Alternatively you can write to:
Unit 9 Lawnhurst Trading Estate,
Welcome to Lucky Loans, our online payday loans service helps thousands of people every week find additional finances to guide them through financial difficulties. We pride ourselves on being a transparent company, we will always show you your loan terms and conditions and full costs before you accept your loan offer. We are passionate about ensuring our customers have full control over their payday loan by providing a simple, affordable and reliable financial service. Receive your instant online decision when you apply.