Terms of Use

Loan.co.uk Limited is an FCA-authorised credit broker dedicated to matching consumers with the right loan, mortgage, or insurance for their circumstances. Founded in 2005, we bring a wealth of industry experience within financial services, including significant experience working with the lenders and insurers who provide these products. Our company ethos is to be simple, fair, and supportive of our customers while providing the best and most comprehensive service in the market.

Company Details:

Company Number: 05455171

Loan.co.uk Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Registration Number is 718486. You can verify our status on the FCA Financial Services Register at https://register.fca.org.uk.

We are also registered with the Information Commissioner's Office (ICO) as a Data Controller under registration number Z2169336.

We may obtain information from you through our websites, mobile applications, or other similar devices, channels, or applications operated by or on behalf of any of our trading names. We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner.

Information We May Collect About You

We will only collect the necessary information needed to provide you with our credit broker services for loans, mortgages, and insurance products. This may include:

To ensure we provide you with the most appropriate loan, mortgage, or insurance options and comply with responsible lending and underwriting practices, it's important that you disclose any financial difficulties that may affect your ability to meet your obligations. This includes, but is not limited to:

Please inform us at the earliest convenience if any such circumstances apply to you.

We use the information held about you in the following ways:

These processes help us to provide faster and more accurate services, ensuring that we match you with the most appropriate products.

Your Rights Regarding Automated Decision-Making:

You have the right to:

• Request human intervention in any decision made by automated means
• Express your point of view regarding the decision
• Contest the decision

If you wish to exercise this right, please contact us using the details provided below.

Calls between us may be recorded and/or monitored for training, quality assurance, compliance, and to assist in providing our services to you. These recordings may be transcribed by AI systems.

By communicating with us, you consent to such recording and transcription.

We may disclose your personal information to third parties in the following circumstances:

Service Providers:

• To our agents, staff, and approved third parties who carry out services on our behalf
• To prepare or send communications to you or to assist us in any of our administrative or business functions

Business Transfers:

• If Loan.co.uk Limited or substantially all of its assets are acquired by a third party, personal data held by us about our customers will be one of the transferred assets

Legal and Regulatory Compliance:

• To enforce or apply our website terms and conditions and other agreements
• To protect the rights, property, or safety of Loan.co.uk Limited, our customers, or others
• This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction

Regulatory Authorities:

• If required or permitted to do so by law or by any court, the FCA, the Competition and Markets Authority, the ICO, or any other applicable regulatory, compliance, government, or law enforcement agency
• If necessary in connection with legal proceedings or potential legal proceedings

Some of our affiliated companies and service providers may be located outside the UK or the European Economic Area (EEA). When we transfer your data outside these regions, we implement appropriate safeguards to ensure your data rights remain protected, such as Standard Contractual Clauses or other legal transfer mechanisms.

By submitting your application form, you consent to this transfer.

We process your personal data based on the following legal grounds:

• Consent: When you have given clear consent for us to process your personal data for a specific purpose
• Contractual Necessity: When processing is necessary for a contract we have with you or because you have asked us to take specific steps before entering into a contract
• Legal Obligation: When processing is necessary for us to comply with the law
• Legitimate Interests: When processing is necessary for our legitimate interests or the legitimate interests of a third party, provided your rights and interests do not override those interests

Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have the following rights regarding your personal data:

• Right to Access: You have the right to request a copy of the personal data we hold about you.
• Right to Rectification: You can ask us to correct any inaccuracies in your personal data.
• Right to Erasure ("Right to be Forgotten"): You have the right to request that we delete your personal data under certain circumstances.
• Right to Restrict Processing: You can request that we limit the way we use your personal data.
• Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format and have the right to transmit that data to another controller.
• Right to Object: You can object to the processing of your personal data in certain circumstances, including for direct marketing purposes.
• Rights Related to Automated Decision-Making and Profiling: You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you.

Exercising Your Rights:

To exercise any of these rights, please contact our Data Protection Officer at the correspondence address shown below. We will respond to your request within one month, although we always endeavor to provide you with the information in a much shorter timescale.

We may use your personal data to inform you about our loan, mortgage, and insurance products and services that may be of interest to you. You will only receive marketing communications from us if you have consented to this.

Opting Out:

• You have the right to withdraw your consent to receive marketing communications at any time
• You can opt-out by clicking the "unsubscribe" link in any marketing email or by contacting us directly
• This website allows you to withdraw your consent by using the 'Opt-Out' page.

We take the security of your personal data seriously and have implemented appropriate technical and organizational measures to protect it against unauthorized or unlawful processing and against accidental loss, destruction, or damage.

Security Measures Include:

• Secure servers and firewalls
• Encryption of data in transit and at rest
• Regular security assessments and audits
• Access controls to ensure only authorized personnel can access your data

Data Retention:

• We will retain your information securely for a reasonable period or as long as the law requires.
• The retention period is determined by considering the amount, nature, and sensitivity of the data, the potential risk of harm from unauthorized use or disclosure, and the purposes for which we process your data.

Data Disposal:

• • Once the retention period has expired, we will securely dispose of your personal data in accordance with applicable laws and regulations.

This website uses cookies to enhance your browsing experience. Cookies are small text files placed on your device when you visit our website.

Types of Cookies We Use:

• Essential Cookies: Necessary for the website to function properly
• Analytical/Performance Cookies: Help us understand how visitors interact with our website
• Functionality Cookies: Remember your preferences to personalize your experience
• Targeting Cookies: Record your visit to our website and the content you interact with

For a full list of the cookies we use and how to manage them, please view our Cookie Policy.

Our services are only available to individuals aged 18 or over due to legal restrictions on entering into credit agreements and insurance contracts. No one under the age of 18 is permitted to use our website or services.

We are committed to providing excellent customer service. If you are unhappy with any aspect of our service or how your personal information has been handled, please let us know as soon as possible.

How to Make a Complaint:

Contact Us:

• Email: support@loan.co.uk
• Phone: 0800 234 5678
• Address: 46 Alexandra Street, Southend-On-Sea, Essex, SS1 1BJ

Internal Complaints Procedure:

• We will acknowledge your complaint promptly.
• Our aim is to resolve your complaint fairly and quickly.
• We will keep you informed of the progress of your complaint.

External Resolution:

If you remain unsatisfied with our response, you may refer your complaint to the relevant external bodies:

Information Commissioner's Office (ICO):

• Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
• Phone: 0303 123 1113 or 01625 545 745
• Website: www.ico.org.uk

Financial Ombudsman Service:

• Address: Exchange Tower, London, E14 9SR
• Email: complaint.info@financial-ombudsman.org.uk
• Phone: 0300 123 9123 or 0800 023 4567
• Website: www.financial-ombudsman.org.uk

• Address: 46 Alexandra Street, Southend-On-Sea, Essex, SS1 1BJ
• Email: support@loan.co.uk
• Phone: 0800 234 5678

Data Protection Officer:

If you have any questions about this policy or how we handle your personal data, please contact our Data Protection Officer at the address above.

We may update this policy from time to time to reflect changes in our practices or legal requirements. The revised policy will be posted on this website with an updated effective date. Please check back regularly to stay informed of any changes.

While we strive to ensure that all information provided is accurate and up-to-date, we cannot guarantee that all information will be error-free. Loan.co.uk Limited will not be liable for any loss or damage arising from the use of this website or our services, except where required by law.

By using our website and services, you agree to comply with these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.

Calls between us may be recorded and/or monitored for training, quality assurance, compliance, and to assist in providing our services to you. These recordings may be transcribed by AI systems.

By communicating with us, you consent to such recording and transcription.

All content on this website, including text, graphics, logos, and images, is the property of Loan.co.uk Limited or its content suppliers and is protected by intellectual property laws. Unauthorized use of this content is prohibited.

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or related to the use of our website or services will be subject to the exclusive jurisdiction of the English courts.

By accessing and using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Thank you for choosing Loan.co.uk Limited. We look forward to assisting you with your loan, mortgage, and insurance needs.