In order to provide our services to you, we may collect, store and use information you upload to the Platform.
We, as data controller, may use your personal information for statistical analysis; to develop and improve our products; to update your records; to identify, prevent, detect or tackle fraud, money laundering and other crime; to carry out regulatory checks; keeping you informed about your lending and for market research. We and other organisations may also access and use this information to prevent fraud and money laundering. In addition, if false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
The types of information we may request from you are:
Contact information – including your name, date of birth, address, postcode and other contact information such as email address and telephone/mobile number and (where applicable) the contact details of your first of kin;
The bank or building society account details to make or receive payments on the Platform;
Your passwords and security question answers;
Your financial interests, financial position, or loan repayment performance;
Information about your activities in using the Website; and
Information from directors/individuals associated with you and/or your business.
We may retain copies of the following information about you:
Any correspondence you send us, details of your registration history and any materials you post on the Platform;
Passports or other identification evidence that you provide for anti-money laundering and anti-fraud purposes;
Records of any surveys that you may be asked to complete for research purposes, although you do not have to respond to them;
Details of transactions you carry out through the Platform and the receipt and disbursement of repayments;
Details of your visits to the Website and the resources that you access;
Where explicit consent has been provided, information about your physical or mental health or condition (where necessary and appropriate); and
Where explicit consent has been provided, information relating to any criminal proceedings in which you have been involved.
We will keep your personal information confidential and only give it to others for the purposes we explained when you applied to us, and:
if you ask us to or give us your permission to do so
to investigate, prevent or detect fraud or carry out checks against money laundering
to share information via an organization which provides a centralized application matching service which it collects from and about the mortgage and/or credit applications, for the purpose of preventing and detecting fraud;
to meet our obligations to any relevant regulatory authority or taxing authority;
may disclose it if we are required to do so to comply with law or regulation; and
if our business and/or assets (or a substantial part of them) are acquired by a third party, we may transfer personal data we then hold to that party so that the acquirer can continue to operate our Platform.
If you give us false or inaccurate information, either directly or through an agent, and we suspect or identify fraud, we will record this
We may also be provided with information about you from third-party brokers, introducers or other referrers, who collected that information from you directly.
We may employ other companies and individuals to perform functions on our behalf. Examples include, but are not limited to, sending postal mail and email, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, providing customer service, storing data, and serving ads on our behalf. They have access to personal information needed to perform their functions, but may not use it for other purposes.
We will use reasonable skill and care in the maintenance of the Website and Platform. We cannot guarantee, warrant or represent that:
the Website and Platform are complete, accurate, up-to-date or error-free; and
to investigate, prevent or detect fraud or carry out checks against money laundering;
Our Platform may contain links to other Internet sites and telephone numbers for services provided by others. The availability of such third-party sites, services or material does not constitute any form of recommendation, advice, endorsement or publication of any such third-party sites, services or material and we are not responsible for their availability or content