We are committed to safeguarding the privacy of our website visitors and the data they supply at the time of applying for an online short term loan.

We ask that you read this policy carefully as it contains important information about how we will treat your personal information.

1) Using your personal information

The personal information submitted to us via this website will be used to enable the application for a short term Loan to be made via our website directed to TheOneStopMoneyShop in real time and for the purposes specified in this privacy policy of this website.

Your personal information submitted with the application:

Should your application be unsuccessful, duplicated or declined your personal information may be shared with an alternative Lender and / or a specialist broker team who will contact you directly via Telephone, SMS and / or email to discuss your application. (Each lender will have a privacy policy in place, we are not responsible for third party policies.)

We will only share your data and personal information with a Loan specialist or an alternative company who may be able to offer a suitable financial solution. Listed below are the Lenders, Brokers and Debt Specialists we may send your application to.

OneStopMoneyShop

Media Blanket

Fortis Insolvency Ltd

Loan Warehouse

T Dot UK

Dissolve Debt

Debt Solvo ltd

We may use your personal information to:

a) help us identify you;
b) administer the website;
c) carry out research, statistical analysis and behavioural analysis;
d) improve your browsing experience by personalising the website;
e) enable your use of the services available on the website;
f) carry out customer profiling and analysing preferences;
g) notify you of any changes to this website or to our services which may affect you;
h) send you general (non-marketing) commercial communications;
i) send you email notifications which you have specifically requested;
j) send to you our newsletter and / or other marketing communications which we think may be of interest to you by email. You can inform us at any time if you no longer require marketing communications and your details will removed. cs@wuco.co.uk;
k) deal with enquiries and complaints made by or about you relating to the website;
l) other uses to enhance the website and its use

What type of third parties do you pass my data to?

Debt Management Companies offering financial solutions such as debt management plans, bankruptcy, individual voluntary arrangements and protected trust deeds

For the purpose of Debt Solutions we may pass your data to Fortis Insolvency Limited (09870591)

Fortis Insolvency: specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland. They do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions. They only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.

To qualify for debt write off in an IVA with Fortis Insolvency, you must have a minimum of £5800 of qualifying unsecured debt owed to two or more creditors

2) What information do we collect about you when you apply for a Loan?

We may collect, store and use the following kinds of personal information:

a) any other information that you choose to send to us including, for example, postal address, email address, telephone number.
b) information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any application made.
c) information that you provide to us for the purpose of registering with us if you confirm by ticking the relevant box giving consent to contact you with new Loan related products;
d) information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters;
e) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation and more);

3) Security of your personal information

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.

Whilst we will use reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.

4) Cookies

Use of cookies

A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser. We may use both "session" cookies and "persistent" cookies on the website and they are used for purposes including tracking visitor use of the website; recognising you whenever you visit this website; obtaining information about your preferences, online movements and use of the internet; carrying out research and statistical analysis to help improve our content, products and services and to help us better understand our visitor requirements and interests; targeting our marketing and advertising campaigns more effectively; and making your online experience more efficient and enjoyable. Session cookies will be deleted from your computer (or other electronic device) when you close your browser. Persistent cookies will remain stored on your computer (or other electronic device) until deleted, or until they reach a specified expiry date.

Third-Party cookies

We work with third-party suppliers who may also set cookies on our website. These third-party suppliers are responsible for the cookies they set on our site. If you want further information please go to the website for the relevant third party. For example, we use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users' computers (or other electronic devices). The information generated relating to our website is used to create reports about the use of the website. For example, the information will show us how visitors found and explored our site, and how we can enhance their experience. It provides us with information about the behaviour of our visitors (e.g. how long they stayed on the site, the average number of pages viewed) and also tells us how many visitors we have had. Google will store this information. Google's privacy policy is available at: http:// www.google.com/privacypolicy.html

Consent

In most cases we will need your consent in order to use cookies on this website. The exception is where the cookie is essential in order for us to provide you with a service you have requested. There is a notice on our home page which describes how we use cookies and which also provides a link to our cookie policy. If you use this website after this notification has been displayed to you we will assume that you consent to our use of cookies for the purposes described in this privacy policy.

How to turn off cookies

Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking "Tools", "Internet Options", "Privacy", and selecting "Block all cookies" using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one. For further information about cookies and how to disable them please go to: www.aboutcookies.org or www.allaboutcookies.org

5) Disclosures

In addition, we may disclose your personal information:

a) to the extent that we are required to do so by law;
b) in connection with any legal proceedings or prospective legal proceedings;
c) in order to establish, exercise or defend our legal rights
d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling;
e) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information. Except as provided in this privacy policy, we will not provide your information to third parties.

6) Monitoring

We may monitor and record communications with you (such as emails) for the purpose of (specify, eg quality assurance, training, fraud prevention and compliance).

7) Credit Checking

This website acts as a conduit and at no time is your personal information used for a credit reference. Alternative privacy policy will be supplied by our partner at the correct time.

8) Information about other individuals

If you give us information on behalf of someone else, you confirm that the other person has appointed you to act on his/her behalf and has agreed that you can:

a) give consent on his/her behalf to the processing of his or her personal data
b) receive on his/her behalf any data protection notices
c) give consent to the transfer of his/her personal data to relevant and related partners

9) Your consent

In making a Loan application via WUCO.co.uk your application will be reviewed by the lender. In the case that the lender are unable to offer you a suitable loan we will ask our broker team to contact you to discuss an alternative Loan product. Should you wish not to be contacted by our Broker team or alternative lender please email accounts@wuco.co.uk.

10) Policy amendments

We may update this privacy policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes and that you are aware of the most recent version which will apply each time you access this website. This policy was last updated 1st November 2022

11) Your rights

You have the right to request access to any personal information we hold about you. If you wish to exercise this right you should:

a) put your request in writing;
b) supply appropriate evidence of your identity and address (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address);
c) specify the personal information you want access to, including any account or reference numbers where applicable.

We may withhold such personal information to the extent permitted by law. You have the right to require us to correct any inaccuracies in your data free of charge. If you wish to exercise this right you should:
put your request in writing;
provide us with enough information to identify you (e.g. account number, username, registration details);
specify the information that is incorrect and what it should be replaced with.

You also have the right to ask us to stop processing your personal data for direct marketing purposes. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes. If you have chosen to 'opt in' and subsequently no longer wish to receive marketing communications from us you can use the unsubscribe option in each communication we send or email cs@wuco.co.uk

12) Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

13) Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated.

14) Remarketing To You In The Future

Where you have given us explicit permission to do so we may contact you in the future with relevant offers and updates. It is your decision as to whether you wish to 'opt in' to marketing by email or SMS or both. If you do not choose to 'opt in' we will not re-market to you.

If you have chosen to 'opt in' and subsequently no longer wish to receive marketing communications from us you can use the unsubscribe option in each communication sent, or email us cs@wuco.co.uk

We do not sell or share your data with 3rd parties for future re-marketing purposes.

15) How do I make a complaint to the ICO?

The Information Commissioner’s Office (ICO) is an independent body responsible for making sure that organisations comply with the Data Protection Act and General Data Protection Regulation (GDPR). The ICO also deals with concerns raised by members of the public about the way in which organisations look after personal information and deal with subject access requests.

You can complain to the ICO if an organisation:

• Fails to respond to your request for disclosure
• Refuses your request
• Fails to send you all of the information you asked for
• Fails to comply with the one month time limit for disclosure.
• The ICO will always expect you to have raised your concerns with the organisation before submitting a complaint.

The ICO has a form on its website which you can use to make your complaint. When you send the form to the ICO, include all the communications you’ve had with the organisation about your request for disclosure, including copies of the documents raising your concerns.

If you have this saved electronically, you can submit the form and the correspondence by email to casework@ico.org.uk If you only have paper copies of the correspondence, you will need to send it along with the form to Customer Contact, Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.

You can call the ICO helpline on 0303 123 1113 (local rate).

You should make a complaint to the ICO within three months of your last proper contact with the organisation concerned.

What powers does the ICO have?

If the ICO thinks that an organisation has failed to comply with its obligations under the Data Protection Act or GDPR, it can:

• Write to the organisation and ask it to sort out the problem.
• Take action against the organisation concerned. The ICO may do this in extreme situations where there has been a serious breach. This may include sending the organisation an enforcement notice and imposing a financial penalty.

However, the ICO cannot award you compensation. You can only claim compensation by taking an organisation to court.

16) Contact

If you have any questions about this privacy policy or our treatment of your personal information, please contact us Cobain Digital Ltd 3rd Floor 86 -90 Paul Street London EC2A 4NE or email: cs@wuco.co.uk

Paul Cobain

Cobain Media

mobile : 07919 891429

email: paul@cobainmedia.com

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