We always respect the privacy of our customers and are committed to protecting your privacy at all times. This policy will give you a thorough explanation of the way we collect your data and how it may be used. It may be updated from time to time so you should review it occasionally.
How we collect your personal information
Your information will be collected and processed by London Wall Loans during the use of our website(s) or when you communicate directly with us, such as through e-mail, phone or letter, for example:
- when you complete our online application form, your details will be stored;
- if you take out an agreement with us, we will ask that you provide us with documents to support your application, such as proof of address and income. Copies of those documents may be made and retained;
- during the currency of any agreement with us, we will make notes of any instances of contact between us, which will include any personal information disclosed to us during that contact;
- any calls made to us or our representatives may be recorded for training and monitoring purposes; and/or
- after your agreement has been completed, we may keep records of any feedback you give us about the service provided.
The type of data collected may include personal information such as your name, address, telephone numbers, e-mail addresses, date of birth and employment details. It may also include details of the agreements you have had with us in the past or unsuccessful applications for further credit. You may also disclose sensitive information to us (such as, information about your physical and mental health, racial or ethnic origin, political opinions, religious beliefs, sexual life, medical information), which we may hold and process. Wherever possible we will always ask your explicit consent to process this information.
You are responsible for providing valid, accurate and up to date information. When you give us information about another individual or organisation it is on the basis that you confirm that they have specifically agreed to this and understand how and why their information will be used.
Data protection law
This notice sets out most of your rights under the 2018 Data Protection Law:
How the law protects you
Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. The law says we must have one or more of these reasons:
- To fulfil a contract we have with you, or
- When it is our legal duty, or
- When it is in our legitimate interest,
- or When you consent to it.
A legitimate interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you. If we rely on our legitimate interest, we will tell you what that is.
How we use your personal information
Your data will always be dealt with responsibly and in accordance with the Data Protection Act 1998 and the new laws. Information stored or collected about you helps us improve our service and helps to make sure that any agreement you have with us is run smoothly.
A cookie is a small text file which is stored on a user’s computer. It can contain information about the user and the way they interact with the internet and can help make a user’s online experience more efficient. We use encrypted information gathered from them to help improve your experience of the site. For example, they help us to identify and resolve errors, or to determine relevant information to show you when you’re browsing.
We’re giving you this information as part of our initiative to comply with recent legislation, and to make sure we’re honest and clear about your privacy when using our website. We know you’d expect nothing less from us, and please be assured that we’re working on a number of other privacy and cookie-related improvements to the website.
- Session cookies: These are cookies which are necessary for the operation of the site. However these cookies are temporary, so they will be removed from your computer as soon as you close your browser.
- Persistent cookies: These are cookies that remain on your computer even after you close our website and your browser. These types of cookies allow our website to remember details about you if you visit again, like how you previously used the site.
- Analytical cookies: These are cookies that help us understand and analyse the use of our website. They record things like the number of times you visit, how long you stay on the site and how you reached our site. These cookies only track your use of our site and do not track your use of other sites on the internet.
You can decline the use of non-essential cookies by changing your browser settings to block some or all cookies. Please note that we’re not responsible for the content of external websites.
If you choose to block all cookies, our site will not function as intended and you will not be able to use or access many of the services we provide. If you have blocked all cookies and wish to make full use of the features and services we offer, you will need to enable your cookies.