Privacy Policy
Updated 13th September 2019
Welcome to Pales Payday Loans privacy policy. Please carefully read this information as it is provided to be as clear and transparent about our operation as possible.
Pales Payday Loans is registered in England and Wales. Our registered trading address is:
71–75 Shelton Street
Covent Garden
London
WC2H 9JQ
Pales Payday Loans provide this privacy policy in an attempt to transparently inform you of how we handle the information you provide to us, how we share this information and who we share it with. Please fully read this privacy policy along with our terms and conditions before using this website.
It is important to understand that Pales Payday Loans is a broker and not a direct lender. When we receive your enquiry we will pass your information onto trusted third parties but we will not be responsible for how they handle your information.
What information do we collect about you
When you submit an application to use we collect a number of details that will best assist potential brokers in providing you with the very best loans. To this respect, we need to provide them with accurate information. We provide your name, DOB, bank account details, employment history, email address, phone number, and location you apply from via Internet Protocol(IP).
In order that we match you with the best lenders we must do this and so we make it clear how we handle your data and we only share your data with parties that have a clear interest in your loan application. If for whatever reason your data is sensitive then please let us know.
How we work
As part of our service we may contact you to help you with your search of our products unless you choose to opt out of contacting us. In which case, we will not contact you directly unless it is for an essential part of our service that helps you in respect of your application and its completeness.
We will only contact you if we feel we have a product better suited to your application or require further detail to assist you more accurately. If at anytime you would not like to receive additional assistance please simply opt out and we will not contact you in this nature.
How we use your information on received via application
Once we receive your information we will share your information with Financial Conduct Authority approved lenders. This is our legitimate role as a broker, to connect you with lenders directly.
The information we supply them is inline with the information we collect on our enquiry form. To recap this we will share your name, DOB, bank account details, employment history, email address, phone number, and location you apply from via Internet Protocol(IP) and any details of your finances you provide us to help them assist you as accurately as possible.
We may collect your data and send you emails of relevant services that might be of benefit to you. If you do not wish to receive emails from us please opt out and at any stage if you feel our contact isn’t helping you then please feel free to unsubscribe and our contact will stop immediately from the point of receiving your notification to us.
We share your information with trusted partners that will aim to provide you with products based on your application on our website. We work closely with Quint Group Ltd, specifically Monevo Limited who are regulated and an authorised broker. They will share your information with a large panel of lenders and they may also pass your information to TransUnion as well as other credit offices in an attempt to match you with as many lenders as possible with the goal of giving you the best possible credit terms. Like us, Monevo are extremely transparent in the way that they conduct themselves and the way they handle your data can be found on their privacy policy.
Monevo are not the only broker that we use to find you the best deals. We may also share your details with other lenders if we think they can assist you more accurately. Here is a list of those companies:
Occasionally we will pass you to other relevantly authorised lenders and we will provide a full and exhaustive list should you request.
General GDPR Information and Rights
We will delete any data we hold on you immediately upon receipt of your request or within 12 months, whichever is sooner. Your data may be held on file until we are legally allowed to release it. We may be required to hold your data by our regulatory advisor though we will not use or pass this data.
As part of General Data Protection Regulation we must allow you to know exactly how we process your data and have covered this in our privacy policy. If you would like to understand what information we hold about you then you have a right to this information.
Data
You may also request that we rectify or accurately improve the data we hold about you. To assist us in doing this, please contact us so we can help.
You also have the right to have your details removed or restrict our use of the data we hold. If you would like to do this simply contact us and we will assist.
You have the right to object to our services and marketing based on your application. You have the right to express your point of view and if we supply a decision, the right to understand it fully.
Data Security
Your data is secure in our servers which are encrypted for maximum security. Any brokers or lenders that share your data have the same high level of encryption too.
EEA Data
We will pass your data outside of the EEA only if our lenders are based outside of this area. We only pass your information to FCA trusted and approved bodies who take your security extremely seriously.
Complaints
If you feel we have acted inappropriately then you may submit a complaint with a supervising body. The ICO Information Commissioner’s Office is the relevant body in this case. You can contact them directly through this web address: https://ico.org.uk/make-a-complaint/
Cookies
Essential cookies allow you to use our website and any features on it.
Some cookies help us improve your experience on our website. These are placed onto your browser on the first load of our website, when you first visit. These cookies track your activity on our website and help us improve our service to you, and also tell us when you leave our website.
Complaint
Pales Payday Loans is registered in England and Wales. Our registered trading address is:
71–75 Shelton Street
Covent Garden
London
WC2H 9JQ
You can contact Pales Payday Loans at the address provided or by email:
You can also contact us by phone.
CONTACT
We are contactable in writing at our registered office:
Pales Payday Loans Ltd, 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ
You can contact Pales Payday Loans at the address provided or by email: complaints@pales.co.uk