Private data is protected by Date Protection laws and can only be used subject to legal permission or exemption. We collect information for the following reasons:

• to comply with our legal and regulatory obligations;
• for the performance of our contract with you or to take steps at your request before entering into a contract;
• for our legitimate interests with regard to Client transactions and furtherance of our business; or
• where you have given consent.

Generally, we collect and use information for the following reasons :

• • To sign you up as a new customer either online, in person or over the phone

• • To process any service requested by you, deliver a product or service to you and perform any obligations we have in relation to those products or services:
    (a) Manage payments, fees and charges
    (b) Collect and recover money owed to us
    (c) Consider suitable repayment options

• • To manage our relationship with you which will include:
    (a) Notifying you about changes to our terms and conditions or privacy policy
    (b) To carry out compliance checks such as KYC checks using passports, National Identification, other ID documents and online tools necessary to comply with a legal obligation
    (c) Asking you to leave a review, provide feedback or take a survey in relation to our products or those of third parties Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
    (d) To provide you with information, products or services that you request from us
    (e) To administer and protect our business (including complying with our legal obligation to prevent money laundering, fraud and other criminal or illegal activity) and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data). This is necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business re-organisation or group restructuring exercise)
    (f) To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you. This is necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy).
    (g) To use data analytics to improve our website, products/services, marketing, customer relationships and experiences
    (h) To make suggestions and recommendations to you about goods or services that may be of interest to you. This is necessary for our legitimate interests (to develop our products/services and grow our business)
    (i) Assess risk and carry out credit scoring. This is necessary for our legitimate interests (to ensure we are only lending money to customers who are able to repay it and ensuring that third party suppliers and connected parties are financially sound)
    (j) Prevent, fraud, money laundering, financial crime and the funding of terrorism. This is necessary for our legitimate interests to protect our business (to avoid losses caused by financial crime). It is also necessary to comply with a legal obligation
    (k) To verify your identity. This is necessary for our legitimate interests to protect our business (to avoid losses caused by financial crime)

If we or a fraud prevention agency determine that you pose a fraud or money laundering risk we may refuse to provide the services or financing you have requested or stop providing existing services to you.

Upon submitting your application for a credit facility or service, we may forward your personal/business information to credit reference agencies in order to obtain your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We may also continue to exchange information about you with Credit reference agencies on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. Credit reference may in turn share your information with other organizations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.