Last Reviewed February 10, 2023
Welcome to MyLenders.co.uk's privacy notice.
MyLenders.co.uk is a website owned and operated by T Dot UK Limited, a company organised under the laws of England and Wales with Company Number 09225672 and registered with the Information Commissioner's Office under Registration Number ZA128431.
T Dot UK Limited respects your privacy and is committed to protecting your personal data. This privacy notice will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.
2. Important information and who we are
Purpose of this privacy notice
This privacy notice gives you information on how T Dot UK Limited collects and processes your personal data through your use of this website, including any data you may provide through this website when you request an offer of credit from our trusted third party partners. Click this link to access details of the third party partners and a link to their Privacy notices.
This website is not intended for children, and we do not knowingly collect data relating to children.
T Dot UK Limited is the controller and responsible for your personal data (collectively referred to as "T.UK", "we", "us" or "our" in this privacy notice).
We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the DPO using the details set out below.
Our full details are:
The Contract Shop t/a Lawpoint.
378 Charminster Road, Bournemouth, Dorset, BH8 9SA.
e-mail address: [email protected]
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
Changes to the privacy notice and your duty to inform us of changes
This version was last updated on 8th December 2022 and historic versions can be obtained by contacting us.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy notices. When you leave our website, we encourage you to read the privacy notice of every website you visit.
The data we collect about you
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). However, we do recognise that details of any benefits you may receive could lead to inferences about your health being made. We do not collect any information about criminal convictions and offences.
If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we will not be able to perform the contract we have or are trying to enter into with you (for example, to process a request for an offer of credit from our trusted third party partners).
3. How is your personal data collected?
We use different methods to collect data from and about you including through:
- request marketing to be sent to you;
- give us feedback.
a. analytics providers such as Google based outside the UK;
b. advertising networks based inside and outside the UK; and
c. information processing providers based outside the UK.
d. Social Media Platforms such as Facebook, Instagram and TikTok, based outside the UK;
- Identity and Contact Data from data brokers or aggregators based inside and outside the UK.
- Trusted affiliate websites, networks and third party partners.
Under data protection laws we are permitted to share some information where the reason for doing so is legitimate and isn’t outweighed by the effects it will have on the relevant individuals. On that basis we may pass your information to Data OD Ltd who may share this information with other third parties.
The data that is shared may be used for analysing, modelling and contact for purposes including affordability assessments, anti-money laundering, asset repatriation, contact information validation, credit risk and affordability assessments , debt collection services , determining debt portfolio value, fraud prevention services, identity verification services, pre-populating online forms, vulnerability assessments and other related services.
If you do not wish for your data to be used this way by Data OD Ltd please opt-out using this link https://dataondemand.co.uk/opt-out/. You can use this link to opt-out at any time after you have shared your data. You can also email [email protected] with any requests about your information. For additional information about how your data is processed by Data OD Ltd, please use this link https://dataondemand.co.uk/personal-data-privacy-notice/
We will only use your personal data when the law allows us to.
Most commonly, we will use your personal data in the following circumstances:
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.
|Purpose/Activity||Type of data||Lawful basis for processing including basis of legitimate interest|
|To process your requests for offers of credit from our trusted third party partners|
Performance of a contract with you. This will include automated decision-making on the part of our trusted third party partners
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
(a) 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 reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation
|To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you|
(e) Marketing and Communications
|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)|
|To use data analytics to improve our website, products/services, marketing, customer relationships and experiences||(a) Technical|
|Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)|
Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive a respectful amount of marketing communications from us, in relation to the services that we offer. Our lawful basis for this is legitimate interest. If you wish to opt-out, please contact us at [email protected] .
5. Disclosures of your personal data
We may have to share your personal data with the parties set out below for the purposes set out in the table in paragraph 4 above.
– Internal Third Parties as set out in the Glossary.
– External Third Parties as set out in the Glossary.
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
6. Data profiling and decision making
We do not use your personal data to make automated decisions about you or to profile you. However, our platform uses software to automate the order in which your personal data is passed to our third party lenders and partners.
We provide data that may help third party lenders and partners make decisions about lending and other matters (such as preventing fraud or protecting consumers), but their own data, knowledge, processes and practices will also generally play a significant role in their decisions – and those decisions will always be for them to make.
For example, we do not decide whether you should be granted credit or a loan – this is for the lender to decide. However, they will ultimately decide how to act upon that information, considering their legal and regulatory obligations.
7. International transfers
Some of our external third parties are based outside the United Kingdom (UK) so their processing of your personal data will involve a transfer of data outside the UK.
Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by using specific contractual clauses which give personal data the same protection it has in the UK.
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK.
8. Data security
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other service providers who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
9. Data retention
How long will you use my personal data for?
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
10. Your legal rights
Under certain circumstances, you have rights under data protection laws in relation to your personal data. These rights are listed and described below:
No fee usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
– Other companies in the T.UK Group acting as joint controllers or processors and who are based outside the UK and provide software development and engineering services.
– Professional advisers acting as processors or joint controllers including lawyers, bankers, auditors and insurers based in the United Kingdom and the United States who provide consultancy, banking, legal, insurance and accounting services.
– HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers based in the United Kingdom who may require reporting of processing activities in certain circumstances.- Google, Linkedin, Facebook to enhance targeting / exclusions from advertising.
– Our network of trusted third party affiliate websites, third party affiliate networks, third party digital marketers, and third party lenders acting as controllers. Click this link to access details of the third party partners and a link to their Privacy notices.
This website is not intended for children, and we do not knowingly collect data relating to children;
– Third parties for the purpose of analysing, modelling and contact for purposes including affordability assessments, anti-money laundering, asset repatriation, contact information validation, credit risk and affordability assessments, debt collection services, determining debt portfolio value, fraud prevention services, identity verification services, pre-populating online forms, vulnerability assessments and other related services.