Agent Finance is a trading style of Whatever Enterprises Limited

Your loan or mortgage application will be forwarded on to a panel of leading lenders and brokers through UK Finance Online Ltd and NO data will stored or handled by Whatever Enterprises Ltd.

Cookies
A cookie is a very small piece of text file placed on your computer by a web browser, which has been sent by a web server. It is essentially an "identification card" belonging to you. The main purpose of our cookies is to identify you when you next visit our website. Each time your browser requests a web page from our server, the browser sends the information in the text file back to the server and lets the server know that you have returned to the web page. We use cookies to monitor which pages of the website are of most interest to you and to provide you with a better service, tailored to suit you. We will store your cookies for a maximum of 3 months.
Cookies help you to save time. Next time you return, we will know the answers you have already given to questions on the site and can use the website better to provide you with information about products of our panel of lenders that might be of most interest to you.
If you do not accept incoming cookies, then the performance of our website on your system will not be to full standard or our website may not work at all. If despite this, you wish to refuse the operation of the cookie, this is your legal right and you can do this by disabling cookies in your browser.

UK Finance Online Ltd

Privacy Policy
UK Finance Online Ltd (trading as UK Finance Online) ("we" or "us") takes your privacy seriously. This privacy policy explains the information about you that we collect, what we do with it and the steps we take to ensure it is kept secure and confidential.

Please read this policy carefully as once you use our website and/or our services you will be regarded as having read and accepted it. You must not use this website or our services if you do not accept this Privacy Policy.

UK Finance Online (company number 4463401) is the data controller in relation to your personal data. Our registered address is The Stables, Asterley, Minsterley, Shrewsbury, Shropshire SY5 0AR. If you have any queries relating to our use of your personal data or any other data protection issues, please contact our Data protection Officer at dpa@uk-finance-online.com

About us
UK Finance Online acts as a credit broker between borrowers and a panel of 14 lenders and brokers. Both unsecured and secured loans are available from our panel depending on your circumstances. We do not charge you for our services. Instead we receive a commission or payment from members of our panel to whom we refer potential borrowers. This is payable to us by the lender or broker and is not added to the loan advance. UK Finance Online is regulated by the Financial Services Authority and has an FSA registration number of 303974. The FSA does not regulate personal loans unless they are secured by a first charge on the borrower's land. The amount we receive from your lender will be disclosed to you in writing before you take out your loan if the payment is based upon a commission payment.

The information we collect
We will collect personal information about you which you give to us when you either contact us by telephone or email or complete any of the application forms on this site and send the form to us. The provision of our services to you may also require us to store details of referrals to our panel and ensuing loans, together with details of your financial situation. We will periodically review your personal information to ensure that we do not keep it longer than necessary.

Call monitoring
Your telephone calls to us may be recorded for training and monitoring purposes.

Purposes for which we use information about you
We are a credit broker and we will use the information you have provided to us in the following ways:

process the application you have made. This may involve your application being passed to a member of our panel of lenders and brokers or another licensed credit broker or lender who we feel may be willing to lend you money;

make, or cause searches to be made, at a credit reference agency, or agencies - these searches will be shown in any other searches which are made in connection with applications made by yourself and other members of your household. The disclosure of multiple searches may adversely affect your credit profile and may make credit harder for you to obtain;

information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records;

If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise us and any associated broker and any lender involved in the application to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.

We may also use the information:
to contact you by telephone, email or by post with regard to the processing of your application. This permission also extends to any company we have passed your application onto who we believe may be able to assist you in you loan application;

to offer you other financial products which may be available from our product providers from time to time and we feel may be of interest to you by telephone, post, fax, mobile telephone text or email.

(if you have consented in your application) to pass your details to another broker or lender in the future with a view to them offering you products they feel may be of interest to you.

to permit access to your information by the FISA or other regulatory bodies to ensure that we are processing information correctly and complying with regulatory requirements. If you wish to contact us about any regulatory or compliance issue then please e-mail us at compliance@uk-finance-online.com

Third party providers and other credit brokers
If you decide to respond direct to any third party provider or broker ("Third Party") to whom we have passed your details as permitted by this Policy, from that point on the information about you which is held by that Third Party, including the information we have passed to them and any further information requested by, and supplied by you to, the Third Party will be held by that Third Party for the purposes set out in their own privacy policy. These uses may go beyond those disclosed in the UK Finance Online Privacy Policy and you are strongly advised to read that Third Party's privacy policy and satisfy yourself as to the purposes for which the Third Party will use your personal information. UK Finance Online has no responsibility for any uses to which a Third Party provider puts your personal information beyond those disclosed in this Privacy Policy, once you have entered into direct communication with that Third Party.

Credit Reference Agencies
The main credit reference agencies are:

Callcredit Plc,
Consumer Services Team,
PO Box 491,
Leeds,
LS1 5XX

Experian Limited,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX

Equifax Plc,
Credit File Advice Service,
PO Box 3001,
Glasgow,
G81 2DT

All the FISA lending companies use one or more of these agencies. Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voter's roll may be held for much longer. Information about credit searches is kept for up to two years.

Other Agencies
CIFAS

Reports from CIFAS relating to fraud and fraud avoidance are also available to its members (most lenders) - these contain information indicating that fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS, may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household.

CML Repossession Register

The Council of Mortgage Lenders, Repossession Register is available to its members through the main credit reference agencies. If you have had a property repossessed or have given it up voluntarily this will show on the register.

GAIN

A file may also show a "gone away" marker indicating that a member of the "Gone Away Information Network" has reported that they cannot trace a customer who is in arrears with payments. Alternatively, the marker may indicate a new address, which the "gone away" has been traced to.

HUNTER

Files in this register contain detailed information on applications made and loans given. It is aimed at tracing fraudsters who use different combinations of information to obtain credit dishonestly. It checks and counter checks information given on application forms.
If your broker or lender uses any of the above agencies they will be able to confirm their contact addresses. CIFAS information is intended to warn lenders and act as a protection for innocent customers.