Privacy & Cookies Policy

Background

This Policy applies as between you, the User of this Web Site, and HU Loans Ltd ("HU Loans", "we", "our", "us"), the owner and provider of this Web Site. It explains how we collect, use and protect your personal information when you visit huloans.co.uk (the "Web Site") or interact with any of the Services or Systems available through it.

1. Definitions and Interpretation

In this Policy the following terms shall have the following meanings:

2. Data Collected

Without limitation, any of the following Data may be collected:

1. name;
2. date of birth;
3. gender;
4. job title;
5. profession;
6. contact information such as email addresses and telephone numbers;
7. demographic information such as postcode, preferences and interests;
8. financial information such as credit/debit card numbers or bank details;
9. IP address (automatically collected);
10. web browser type and version (automatically collected);
11. operating system (automatically collected);
12. a list of URLs starting with a referring site, your activity on this Web Site, and the site you exit to (automatically collected);
13. Cookie information (see Clause 10 below).

3. Our Use of Data

1. Any personal Data you submit will be retained by HU Loans for as long as you use the Services and Systems provided on the Web Site. Data submitted through any communications System that we provide may be retained for up to six (6) months after your last interaction, unless a longer retention period is required or permitted by law.
2. Unless we are obliged or permitted by law to do so, and subject to Clause 4, your Data will not be disclosed to third parties. This includes our affiliates and/or other companies within our corporate group.
3. All personal Data is stored securely in accordance with the principles of the UK General Data Protection Regulation ("UK GDPR") and the Data Protection Act 2018.
4. We may require any or all of the Data above from time to time in order to provide you with the best possible service and experience when using our Web Site. Specifically, your Data may be used for the following purposes:
   • internal record-keeping;
   • improvement of our products and services;
   • transmission by email of promotional materials that may be of interest to you (where you have consented to receive such communications);
   • contact for market-research purposes, which may be carried out using email, telephone, SMS, or post. Such information may be used to customise or update the Web Site.

4. Third-Party Web Sites and Services

HU Loans may, from time to time, employ the services of other parties for dealing with matters that include, but are not limited to, payment handling, credit checking, search-engine facilities, advertising and marketing. Where such third parties require access to your personal Data, they will do so only to the extent necessary to perform the services that HU Loans requests. Any Data that is processed by third parties must be processed in accordance with this Policy and with applicable data-protection law.

5. Changes of Business Ownership and Control

1. HU Loans may, from time to time, expand or reduce its business and this may involve the sale or transfer of control of all or part of HU Loans. Data provided by Users will, where relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was supplied.
2. In the event that your Data is to be transferred in such a manner, you will be notified and given the choice to have your Data deleted or withheld from the new owner or controller wherever reasonably practicable.

6. Controlling Access to Your Data

Whenever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following:

• use of Data for direct-marketing purposes;
• sharing Data with third parties.

You can exercise these options by checking or unchecking the relevant boxes provided on the Web Site forms.

7. Your Right to Withhold Information

1. You may access certain areas of the Web Site without providing any Data at all. However, to use all Services and Systems available on the Web Site you may be required to submit Account information or other Data.
2. You may restrict your internet browser's use of Cookies. For more information see Clause 10 below.

8. Accessing Your Own Data

1. You may access your Account at any time to view or amend the Data. You may need to modify or update your Data if your circumstances change. Additional Data regarding your marketing preferences may also be stored and you may change this at any time.
2. You have the right to request a copy of the personal Data we hold about you. Where the request is manifestly unfounded or excessive, or you request additional copies, we may charge a reasonable fee as permitted by law.

9. Security

Data security is of great importance to HU Loans. To protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected online.

10. Cookies

1. HU Loans may set and access Cookies on your computer. First-party Cookies that may be placed on your computer are detailed in Schedule 1 and third-party Cookies that may be placed on your computer are detailed in Schedule 2. All Cookies used by the Web Site are used in accordance with the provisions of the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended.
2. By using this site you consent to our use of Cookies, enabling us to provide the best possible experience and service to you. If you choose to disable Cookies, certain features of the Web Site may not function fully or as intended.
3. Certain features of the Web Site depend upon Cookies to function and are, within the law, deemed to be strictly necessary. These Cookies are detailed in Schedule 1A. You will not be asked for your consent to place these Cookies; however, you may still disable them via your web browser's settings.
4. You can choose to enable or disable Cookies in your web browser. By default, most browsers accept Cookies, but this can be changed. Disabling Cookies may prevent you from using the full range of Services available on the Web Site.
5. You may delete Cookies at any time; however, you may lose any information that enables you to access the Web Site more quickly.
6. The Web Site uses the third-party Cookies detailed in Schedule 2 for the purposes described therein. These Cookies are not integral to the Services provided by the Web Site and may be blocked via your browser's privacy settings.
7. It is recommended that you ensure that your browser is up to date and that you consult the help and guidance provided by your browser developer if you are unsure how to adjust your privacy settings.

11. Credit Broking

Our credit-broking service is provided by T Dot Ltd. Their privacy policy, which explains how they use and store your data, can be found here: https://t.uk/b-privacy/

12. Changes to This Policy

HU Loans reserves the right to change this Privacy Policy at any time as we may deem necessary or as may be required by law. Any changes will be posted on the Web Site, and you are deemed to have accepted the terms of the Policy on your first use of the Web Site following the changes.