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PRIVACY POLICY

Summary

We protect your personal information. This privacy policy explains how we collect, use, and share your personal information

  • What personal information do we collect?
    • We collect personal information when you use our site, such as your name, contact information, and financial information
  • How do we use your personal information?
    • We use your personal information to provide you with the services you have requested, such as finding a loan
    • We also use your personal information to improve our services and to contact you about new products and services
  • Who do we share your personal information with?
    • We share your personal information with our partners, such as lenders, credit brokers and debt assistance companies to help us provide you with the services you have requested
    • We may also share your personal information with third parties who help us to provide our services, such as IT providers
  • What are your rights?
    • You have the right to access, correct, and delete your personal information
    • You also have the right to opt out of marketing communications

If you have any questions about our privacy policy, please contact us

Who Are We?

Piggy Finance Limited is a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority (FCA) and are entered on the Financial Services Register under reference number 734235

We are the controller of your personal information when you complete our application. This means that we are responsible for how your personal information is collected, used, and shared

If you have any questions about our privacy policy or data protection practices, please contact us

We collect personal information from you when you use our site to submit an application, we collect personal information directly from you. This information includes your name, contact information, financial information, and other details about your loan needs

The personal information we collect includes, but is not limited to:

  • Your name, current and previous addresses, residential status, date of birth, marital status, number of dependents, residential status, value of property, time at address, mobile number, email address, employment status, income details, debt level, bank account and sort code, loan amount, loan purpose, loan outcome, IP address and device type

In the course of finding you a lender, we may store information about how you use our site, for example, the pages viewed, the platform from which you came to visit our site and the application submitted

We may also monitor or record your calls, emails, SMS or other communications. We will only do this in accordance with data protection legislation and other applicable laws. Monitoring or recording will always be for business purposes, such as for quality assurance and training (for example where calls or emails have been sent to our customer service department) to enable us to deliver our services

It is your responsibility to check and ensure that all information, content, material or data you provide on this site is correct, complete, accurate, and not misleading and that you disclose all relevant facts

We use your personal information for the following purposes:

  • To enable you to access and use our services
  • To pass your information to our trusted partners, so they can provide you with an online or telephone quote for finance
  • To process an application between you and a third party, such as a lender, credit broker, or alternative solution provider
  • To conduct a soft credit check, which will not affect your credit score
  • To communicate with you at your request, to offer help and support, and to resolve any service issues
  • We can identify you when you contact us
  • We can offer you other products
  • We can ensure we do not pass your details to the same third-party twice in a short period and so third parties can avoid unnecessary credit searches
  • We undertake marketing analysis, credit strategy and customer profiling
  • To track sales, which may involve us sharing data with your product provider
  • To prevent and detect consumer vulnerability
  • To send you marketing messages about financial products, such as personal loans, secured loans, debt assistance, mortgages, and life insurance

We will only use your personal information for these purposes if we have your consent. If you do not consent to us using your personal information for marketing purposes, you can unsubscribe at any time by clicking the “unsubscribe” link in any SMS, email, or communication from our partners

We will also use your personal information to comply with our legal obligations, such as to prevent fraud and to comply with financial regulations

We will keep your personal information for as long as necessary to provide you with the services you have requested, and for any other legitimate purposes, such as for marketing or to comply with our legal obligations

We will take all reasonable steps to keep your personal information safe and secure. We will only share your personal information with third parties who have a legitimate need to know it, and who have agreed to keep it safe and secure

You have the right to access, correct, and delete your personal information. You also have the right to object to the processing of your personal information, and to withdraw your consent to us using your personal information for marketing purposes

If you have any questions about how we use your personal information, please contact us

Who do we share your personal information with?

When you complete an application, you consent to us disclosing your personal information to the following parties:

  • Piggy Finance Limited:
    • To communicate with you, including sending you information about products and services that may be of interest to you
    • To speed up form filling, or to personalize, or improve your experience on our website, mobile applications, or other similar devices, channels, or applications
    • In accordance with their privacy policy
    • Piggy Finance Limited acts as a credit broker who will process your finance application and share your personal data with their panel of lenders, credit brokers, credit line, guarantor lenders, card services, credit builders, credit report providers, and alternative solution providers. You can view details of how they will process your personal data in their privacy policies
    • To communicate with you, including sending you information about products and services that may be of interest to you
    • To speed up form filling, or to personalize, or improve your experience on their website, mobile applications, or other similar devices, channels, or applications
  • Lenders, credit brokers, and alternative providers:
    • We will share your personal information with lenders, credit brokers, and alternative providers who may be able to offer you a loan. They will contact you directly with regards to your finance application
  • Debt Management Companies
    • If appropriate, we may share your details with companies who offer solutions for debt problems such as debt management plans, individual voluntary arrangements, and protected trust deeds:
      • For providing you with debt advice, we may pass your data to Pacific Financial Solutions Ltd
      • Pacific Financial Solutions Ltd specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales, and Northern Ireland. Pacific Financial Solutions Ltd do not administer Debt Management Plans, Debt Relief Orders, or other debt solutions. Pacific Financial Solutions Ltd seeks to provide information about all possible debt options and all advice is given in reasonable contemplation of an insolvency appointment. Following an initial fact find exercise and evaluation of your circumstances, information about all options that may be available to you is provided, so that you can make an informed choice as to what solution may suit your circumstances
      • We are likely to share your data with Fortis Insolvency if you have provided your specific consent and if you owe £5,800 or more to two or more unsecured creditors
  • The Financial Conduct Authority and/or other regulatory/governing bodies:
    • We may share your personal information with the Financial Conduct Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring
  • Google, Microsoft, and Facebook:
    • We may share your personal information with Google, Microsoft and Facebook to enhance targeting/exclusions from advertising
  • Credit Reference Agencies and Other Agencies:
    • We may share your personal information with Credit Reference Agencies and Other Agencies where they have a lawful reason to process your data, such as for anti-money laundering purposes
  • Other third parties
    • We may share your personal information with other third parties in other limited circumstances, such as when required by law or to protect our legal rights

For a detailed list of these third parties or if you object to us sharing your personal information with these third parties. You may contact us at sales@piggyfinance.co.uk.

Fraud Prevention Agencies

If we reasonably believe that false or inaccurate information has been provided, including in relation to a person’s identity, and fraud is suspected, we may pass details, including personal data, to fraud prevention agencies to prevent fraud and money laundering

Your details may also be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities, and identity and address verification agencies. These organizations may record and use your details, and they may also disclose your information to other organizations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any questions about how your information is used, please contact the relevant organization

By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also authorize the lender or finance provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications

What is a Fraud Prevention Agency?

A fraud prevention agency (FPA) is an organization that collects, maintains, and shares information on any known or suspected fraudulent activity. FPAs work with various organizations in the following ways:

  • If false or inaccurate information is provided and fraud is identified, details will be passed to FPAs
  • Law enforcement agencies may access and use this information
  • FPAs, along with ourselves and other organizations, may also access and use this information to prevent fraud and money laundering, for example, when:
    • Checking details on applications for credit and credit-related accounts, or other, facilities
    • Managing credit and credit-related accounts or other facilities
    • Recovering debt
    • Checking details on proposals and claims for all types of insurance
    • Checking details of job applicants and employees
  • We, and other organizations, may also access and use the information recorded by FPAs from other countries

Your Rights

You have the right to object to the processing of your personal data for fraud prevention purposes at any time. To do so, please contact us at sales@piggyfinance.co.uk

How We and Our Partners May Contact You as Part of Your Application?

We and our panel of lenders, credit brokers, and alternative solution providers will keep you informed about the progress of your application. Unless you state otherwise, you may be contacted via telephone, email, and SMS

Lawful Basis for Collecting Your Personal Information

We rely on a different lawful basis to process your personal data according to the reason for which you have provided your data to us

  • Consent: When you submit your application, we will process your personal data on the basis that you have provided your consent to be contacted by us, our panel of finance providers (lenders), credit brokers, and alternative solution providers in relation to your application
  • Contract: Your personal data will also be processed on the basis that we need this information to fulfill our obligations under the contract we have entered into with you by providing you with a finance quote
  • Legitimate Interest: We have a legitimate interest in processing your data (i.e. to share your application with our panel of finance providers (lenders), credit brokers, and alternative solution providers to obtain the service you have applied for)

How You Contact Us

If you contact us by phone, your call may be recorded for training, quality, and regulatory purposes. You can also contact us by email at sales@piggyfinance.co.uk

How We Keep You Informed

We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest. This contact will be made via email and SMS. Third parties may also wish to contact you from the information we have shared with them regarding the loan application. Any information that is shared with third parties is completely trusted for the purpose it is specified for. Third parties may also use the same means of contact as stated above

What Marketing Communications Will I Receive?

We may send you marketing communications about our products and services, or those of our partners, via email or SMS. You can withdraw your consent to receive marketing communications at any time by clicking the “unsubscribe” option in any email or SMS, or by emailing us at sales@pigyfinance.co.uk

How Secure Is Your Site and What Steps Do We Take to Keep Your Personal Information Safe?

We take your privacy very seriously and we use a variety of security measures to protect your personal information

  • Our website is secured with SSL encryption, which helps to protect your personal information from being intercepted while it is being transmitted over the internet
  • We have implemented physical, electronic, and procedural safeguards to protect your personal information
  • We limit access to your personal information to authorized employees and contractors who need to access it in order to perform their job duties
  • We regularly review our security measures to ensure that they are effective
  • We carry out comprehensive due-diligence on each party that we work with

Our usage of Cookies

Cookies cannot be used to identify you personally and are used to improve services for you, for example through:

  • Letting you navigate between pages efficiently
  • Enabling a service to recognise your computer so you don’t have to give the same information during one task
  • Recognising that you have already given a username and password so you don’t need to enter it for every web page requested
  • Measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure that they are fast

See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies

We use Google Analytics cookies to collect information about how visitors use our website and to help us ensure it is tailored to our customers’ needs and interests. These cookies only collect information in an anonymous form, including the number of website visitors and the pages visited. No personal information is collected or stored by Piggy Finance. To opt out of being tracked by Google Analytics across all websites visit: http://tools.google.com/dlpage/gaoptout

Where Will Your Personal Data Be Held?

Your personal data will be held within the European Economic Area (EEA). If any personal data is transferred or stored outside the EEA, we will check whether the EU Commission has determined that it will be afforded the same level of protection as it would within the EEA (this is called an adequacy decision). If it will not, we will ensure any such transfer is subject to appropriate safeguards (for example by putting appropriate contractual provisions in place with relevant third parties to provide us with reassurance about the security of your personal data) or is otherwise permitted (for example with your express consent to transfer) in accordance with the provisions of the GDPR

We store your data for up to three years after the last interaction

Rights of Access to Your Personal Information

You have certain rights under the General Data Protection Regulations. For example, you will always be able to request a copy of the personal information we hold about you

  • Right to be informed: We will always let you know what we are going to do with your personal information, primarily through this Privacy Policy and within the opt-in/consent statement
  • Right to object: You can object to the processing of your personal information at any time
  • Right of access: You can request a copy of the personal information we hold about you
  • Right to rectification: If we hold personal information about you that is inaccurate, you can ask us to correct it
  • Right to erasure: You can ask us to delete your personal information if it is no longer necessary for us to hold it
  • Right to restrict our use of your information: You can ask us to restrict our processing of your personal information if you think for example that the personal information you gave us is inaccurate
  • Right to data portability: You have the right to ask us to transfer your personal information to another business
  • Right to complain to the Information Commissioner’s Office (ICO): If you are not happy with our handling of your personal information, you can complain to the ICO

How Long Will We Retain Your Personal Information For?

We will retain your personal information for as long as it is necessary for the purposes for which we collected it. This may include for the purposes of providing you with our services, complying with legal obligations, or resolving disputes

Right to Opt-Out of Future Contact From Us And Our Trusted Third Parties

You can opt out of future contact from us at any time. You can do this by clicking the “unsubscribe” link in any email we send you, or by contacting us at sales@pigyfinance.co.uk

Your Right to be Forgotten / Erasure of Your Personal Information

Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:

  • Where the personal data is no longer necessary in relation to the purpose for which it was originally collected/processed
  • When the individual withdraws consent
  • When the individual objects to the processing and there is no overriding legitimate interest in continuing the processing
  • Personal data was unlawfully processed (i.e. otherwise in breach of the GDPR)
  • Personal data has to be erased in order to comply with a legal obligation
  • Personal data is processed in relation to the offer of information society services to a child

If you wish to request your “right to be forgotten” please contact us at customers@nouveaufinance.co.uk

Making a Complaint – Your Guide

At Piggy Finance Limited, we hold fairness and honesty in high regard within all our endeavours. Should you find any aspect of our service deserving of complaint, our utmost priority is to swiftly address it. To ensure a prompt resolution, you have several means of reaching out to us:

Via Email: sales@pigyfinance.co.uk
In Writing: Piggy Finance Limited, Garthwen, Lower Moor, St.Davids, Pembrokeshire, SA62 6RP

Upon receiving your complaint, we will promptly acknowledge it within 3 working days. Our goal is to furnish you with a final response within 4 weeks. If, for any reason, we cannot meet this timeline, you can expect another communication from us within 4 weeks, outlining the situation. Regardless, you can trust that we will address your complaint comprehensively within 8 weeks

Should our response not meet your satisfaction, it is within your prerogative to escalate your concern to the Financial Ombudsman Service. This escalation must occur within six months from the date of our final response. You can reach out to the Financial Ombudsman Service at:

Address: Financial Ombudsman Service Exchange Tower London E14 9SR
Phone: 0800 023 4567
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk

Furthermore, if you have additional concerns, you also have the option to report them to the Information Commissioner’s Office (ICO) using the following contact details:

Address: Information Commissioner’s Office, Wycliffe House, Water Lane Wilmslow, Cheshire, SK9 5AF
Phone: 0303 123 1113 (local rate) or 01625 545 745 for a national rate alternative
Fax: 01625 524 510

Your satisfaction and feedback are of utmost importance to us. We appreciate your trust in Piggy Finance Limited and are committed to addressing any concerns you may have

Last updated May 2024