Sunshinecredit.co.uk is committed to preserving and respecting the privacy of all our customers.
Sunshinecredit.co.uk, a Trading Style of The Quick Loan Shop Ltd, company incorporated in England and Wales with Company No. 08046177 which adheres to the Data Protection Act 1998. (Registration No. Z3251194).
We are regulated by the Financial Conduct Authority using Consumer Credit License 672828.
Know your Rights with GDPR and our Responsibilities.
1. Keep a record of any data operations and activities.
2. Carry out a data privacy impact assessment (PIA) for systems and projects quarterly.
3. Notify the supervisory authority of a data breach quickly. (The Information Commissioners Office, ICO).
4. Review data processing processes on a quarterly basis.
5. Ensure implementation of “privacy by design” and “privacy by default
YOUR APPLICATION WITH US TODAY; WHAT HAPPENS TO YOUR INFORMATION AS PART OF OUR COMBINED LENDER/BROKER SERVICE?
Our Combined Lender/Broker Service Application* Process means that we will review your request for a loan to either be funded directly by ourselves or we act as a Broker on your behalf in the event we cannot fund your loan. As such, when you agree to our Terms and Conditions whereby we act as Lender providing the cheapest payday loans or Broker, we may give your information to carefully selected Financial Services Companies that are themselves Lenders and/or Brokers specifically relevant to your Application and who will try to fund your loan Application directly or via their own Financial Services Affiliate Network.
The list of Affiliates we use is: Nouveau Finance Limited, Loan Machine Limited, T.UK Limited and Bizfella Limited. The whole list is below.
Note that they may contact you via Telephone, SMS, Automated Voice Messaging, Post and or Email about products and services that may be of interest to you if you ticked the relevant Marketing Tick Box on our Application Form*;
Please note also that your Application may be shared with credit reference and fraud prevention agencies; people or companies that who provide a service to us or act on our behalf, on the understanding that they will keep the information confidential. If they are located in another country (which may be outside of the European Economic Area) we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing a service to us or yourself;
Any 3rd Party who introduced you to us so that they can contact you and for their own accounting and administration purposes and;
Anyone to whom we transfer or may transfer our rights and duties under this Agreement. Marketing is specific to the loan you have applied for and, with your consent, further marketing for loans of this type.
We may also give out information about you if we have a duty to do so or if the law requires or allows us to do so.
If you have agreed to our Terms and Conditions but later decide that your wish to change your consent, please email or telephone us informing us of your change and we will ensure that your details are not used in this way. Our Affiliate lenders with whom we share your information may use it for their legitimate business interests to match applications, carry out fraud checks, carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they offer to you or other individuals in the future. Most lenders might use this for up to 12 months.
***Complete List of our Affiliates that we may use for your Application, Registered Name first following by Trading Name:
1plus1 Loans Limited (1plus1 Loans); Active Securities Limited(247Moneybox.com); Advancis Limited (Buddy Loans); Amigo Loans Ltd (Amigo); Bamboo Limited (Bamboo); Butler Westbury Limited (Talk Loans); Care Retirement Options Limited t/a Care Finance and Loans; CashEuroNet UK LLC (Pounds to Pocket / Quick Quid); Curo Transatlantic Limited (WageDayAdvance / Juo Loans); DJS (UK) Limited (PiggyBank); Elevate Credit International Limited (sunny.co.uk); Everyday Lending Limited (Everyday Loans / Trusttwo / Selfy Loans); Ferratum UK Ltd (Ferratum); Gain Credit LLC (Lending Stream); George Banco.com Limited (GeorgeBanco.com); Gracombex Limited (The Money Platform); Harvey & Thompson Limited H&T (Money); Hymarc Limited (Stepstone Credit); Indigo Michael Limited (SafetyNet Credit); Ineffable Limited (Ineffable); Lead Byte Limited (Lead Byte); Loan Machine Limited (Lead Affinity); Loan Marketing Limited (Credit Perfect); Loans 2 Go Limited (Loans 2 Go); Match the Cash Limited (Guarantormyloan.co.uk); Mindflow Marketing Limited; MMP Financial Limited (SwiftSterling.co.uk); Mobile Money Ltd (Mobile Money); Morses Club PLC (Dot Dot Loans / Morses Club); MYJAR Limited (MYJAR); Nextcredit Limited (Nextcredit); Novaloans Ltd (CASH4UNOW.CO.UK); PDL Finance Limited (Mr Lender); Provident Personal Credit Limited (Satsuma Loans) Registered Office; 1 Godwin Street, BD1 2SU. Email firstname.lastname@example.org; Quint Group Limited (Quint); RS Datatech (UK Credit Ratings); Response Funding Limited t/a Response Funding; Sandhurst Associates Limited (Sandhurst Associates); Silver City Tech Limited (Silver City); Stagemount Limited (QuidMarket); T Dot UK Limited( T.uk); TFS Loans Limited (TFS Loans); The 1st Stop Group Limited (The 1st Stop Group); TM Advances Limited (TM Advances); Total Home Loans Direct Limited (THL Direct); Trusted Cash Limited (Trusted Quid); UK Credit Limited (UK Credit); Uncle Buck Finance LLP (Uncle Buck); Valour Finance Limited (Savvy.co.uk); Western Circle Limited (CashFloat.co.uk); William Ellis Sinclair (ZA033005)
*This is a condition of your Application and will be a contract between us should you agree to our Terms and Conditions pursuant to your Application.
In the event that you are contacted by another Lender/ Financial Services Company, please be sure to read their Terms and Conditions and make yourself aware of their Representative APR rate and any fee’s associated with any offer’s that they may provide.
PRIVACY & DATA COLLECTION
We recognize the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site. This policy will be continuously assessed against new technologies, business practices and our customers’ needs.
INFORMATION WE COLLECT
We may collect and use the following data about you:
When you visit this web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.
1. Personal Information You Choose to Provide
2. Registration Information
When you register for any of our products, services or newsletters you will provide us information about yourself.
3. Email Information
4. If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.
HOW WE USE YOUR INFORMATION
We use information held about you for the following purposes:
to administer our business activities, including to carry out our obligations arising from any contracts entered into between you and us, to provide information, products and services you request, to process payments, to monitor the use of our website and service, to improve our content and service offerings, and customize our website’s content, layout and services. To make or allow others to make lending decisions and for the purposes of identity verification, credit checking, fraud prevention and debt collection, we will not provide your details to any Third Party or organization not directly required to complete your loan approval.
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
WHO WILL WE GIVE YOUR INFORMATION TO?
- We may give your information to carefully selected 3rd Parties (such as other Financial Services Companies) so that they can contact you via email, telephone or SMS about products and services that may be of interest to you*; credit reference and fraud prevention agencies; people or companies that who provide a service to us or act on our behalf, on the understanding that they will keep the information confidential. If they are located in another country (which may be outside of the European Economic Area) we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing a service to us or yourself;
- any 3rd Party who introduced you to us so that they can contact you and for their own accounting and administration purposes and;
- anyone to whom we transfer or may transfer our rights and duties under this Agreement.
- We may also give out information about you if we have a duty to do so or if the law requires or allows us to do so.
- If you have agreed to our Terms and Conditions but later decide that your wish to change your consent, please email or telephone us informing us of your change and we will ensure that your details are not used in this way.
*This may also include that in the event that your loan application with us is declined, we may offer your application to other Licensed Lenders/Financial Services Companies to try and secure a loan for you. In the event that you are contacted by another Lender/ Financial Services Company, please be sure to read their Terms and Conditions and make yourself aware of their Representative APR rate and any fee’s associated with any offer’s that they may provide.
HOW WE USE IP ADDRESSES & COOKIES
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
You can exercise your rights to Privacy at any time by contacting us at Customercare@Sunshinecredit.co.uk.
ACCESS TO INFORMATION
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.