At Everything Financial we are committed to protecting and respecting your privacy.
This Privacy Notice (“Notice”) explains when, why and how we collect personal information about people who visit our website, are introduced to us or contact us for our service (such as in respect of loans). We may change this Notice from time to time so please check this page regularly to ensure that you’re happy with any changes. This Notice was last updated on 7th March 2024.
We are Everything Financial a trading name of Everything Financial Technologies Limited and is authorised and regulated by the Financial Conduct Authority (“FCA”) with a firm reference number 964790. We are registered in England and Wales with a registration number of 08760331 and a registered address at Riverside, Mountbatten Way, Congleton, Cheshire, CW12 1DY. We are a data controller and are registered with the Information Commissioner’s Office with a registration number of ZB511287. Our website and services are only available for people aged 18 or over.
We obtain information about you when you are introduced to us by our third-party partners or when you use our website, contact us (e.g., when you submit your details to obtain a quote for a loan), or are a member of staff with our third-party partners. We may also collect personal information about you from other third parties that refer your details to us or publicly available sources such as credit reference agencies, lenders, couriers, third party and partner websites.
The personal information we collect will include your IP address and information regarding what pages are accessed and when.
The personal information we collect will include your name, address, email address, IP address, telephone numbers, employment information, financial commitments and information regarding what pages are accessed and when. In relation to our credit broker service, this involves us searching against the lender’s criteria to find the loan that meets your needs. We do this when you are introduced to us by one of our partners or when you contact us, by obtaining information about your identity and contact details; your product preference; your lifestyle; nationality and residence status; employment, income and expenditure, bank account details and other financial circumstances. How you answer these questions will determine what other questions we may ask you.
The personal information we collect will include your name, address, email address, telephone number, IP address and information regarding what pages are accessed and when.
We use your personal information in several ways including:
We ensure that we have appropriate legal bases on which to collect, use and share data about you. Our lawful bases may include:
Our own legitimate interests (or the legitimate interests of a third party or partner) - We may process your personal data for the purposes of our own legitimate interests or for the legitimate interests of our third-party suppliers or partners provided that such processing does not outweigh your interests e.g., we may process your personal data to -
When we rely on our legitimate interests for processing your personal data, you have the right to object and withdraw your consent where we are using your personal data for direct marketing purposes.
Please contact us if you have any questions about the lawful bases on which we collect and use your personal data.
We may pass your personal information to our third-party suppliers or partners, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (e.g., hosting the website that you have used to access this Notice). However, when we use third party suppliers or partners, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own purposes. In particular, please be reassured that we will not release your information to third parties beyond Everything Financial for them to use for their own marketing purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime.
When you make a loan enquiry on our website and you have consented to Open Banking through Consents.online, we provide Everyday Loans with a unique identification code to enable them to access your bank account transaction data to carry out their affordability checks and decide whether to offer you a loan. You should read Consents.online privacy notice or statement which you should find on their website. If your data is introduced to us from a partner’s website and you have consented to their sharing of your data with us and other third-parties. We will assess this data, your eligibility for the loan and provide Everyday Loans with a unique identification code to enable them to carry out their lending assessment and decide whether to offer you a loan. You should read Consents.online privacy notice or statement which you should find on their website.
When you make an application to Everyday Loans through our service, they will be a data controller of your personal information and you should read their own privacy notice or statement which you should find on their website Everything Financial will receive a commission from Everyday Loans if you obtain a loan through them.
To get a picture of your credit position, we may access and conduct a soft credit search of your credit file with a Credit Reference Agency (“CRA”) and in order to provide certain services to you, we may share your information with such CRA's. We believe in informing customers at all stages about searches we carry out and we will seek your permission to complete these when they become necessary. If you choose to apply for a product, Everyday Loans will undertake a full credit check and provide you with further privacy information for that product and their service.
If you have any questions on your credit reference data, please refer to: https://ico.org.uk/media/for-thepublic/documents/1282/credit-explained-dp-guidance.pdf
If you wish to know how the credit reference agency will treat your data, please see their policies via these links: Equifax https://www.equifax.co.uk/crain/
You have certain rights under data protection legislation. These include:
You have the right to request from us a copy of the personal information that we may hold on you and examples of copies of this personal information. You can request this personal information by contacting us as set out below. Before providing this personal information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the personal information and ensure that we’re only providing it where you have given your agreement.
If the personal information we hold about you is incorrect you have the right to request that we correct this. The accuracy of your personal information is important to us. We’re working on ways to make it easier for you to review and correct the personal information that we hold about you. In the meantime, if you change email address, or any of the other information we hold is inaccurate or out of date, please email us at hello@everythingfinancial.co.uk or by writing to Everything Financial at Riverside, Mountbatten Way, Congleton CW12 1DY, UK. Alternatively, you can telephone Everything Financial on 0333 1555 1073
You have the right to stop us from using your personal information or limit the way in which we process your personal information. You may also request that your personal information is deleted. There may be occasions where we are unable to delete the personal information due to our legal or regulatory obligations however, we will explain this with you if you request for your personal information to be deleted.
In some cases, you may be able to request for your personal information to be provided to yourself or another organisation in a format that can be processed electronically by yourself or the other organisation. If you want to request this, you’ll need to contact us, and we may ask for proof of identity or ask sufficient questions to enable us to locate the personal information and ensure that we’re only providing this information where you have given your consent to do so.
Like many other websites, this website uses cookies. “Cookies” are small pieces of information sent by an organisation to your computer and stored on your hard drive to allow that website to recognise you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual. This helps us to improve our website and deliver a better more personalised service. It is possible to switch off cookies by setting your browser preferences. Turning off cookies may result in a loss of functionality when using our website.
Our website contains links to other websites run by other organisations. This Notice applies only to our website‚ so we encourage you to read the privacy notices or statements on the other websites you visit. We cannot be responsible for the privacy notices or statements and practices of other sites even if you access them using links from our website. In addition, if you linked to our website from a third-party site, we cannot be responsible for the privacy notices or statements and practices of the owners and operators of that third-party site and recommend that you check the privacy notice or statement of that third-party site.
We keep your information in line with our data retention policies and procedures. To determine the appropriate retention period for your personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorised use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you (although, of course, we really don’t want to be in that situation).
We ensure that personal information is transferred safely and securely at all times. Whenever your Personal Data travels outside of the UK and/or the EEA, we ensure that it’s protected by putting in one of the following safeguards:
If you want to find out the specific mechanism used when transferring your personal information out of the UK and/or the EEA, please get in touch with us.
Any questions regarding this Notice, our privacy practices or about exercising your rights should be sent by email to hello@everythingfinancial.co.uk or by writing to Everything Financial, Riverside, Mountbatten Way, Congleton CW12 1DY. Alternatively, you can telephone Everything Financial on 0333 1555 1073
If you have any concerns about our use of your personal information, you can make a complaint to us using the contact details above. You can also complain to the ICO if you are unhappy with how we have used your data.
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk