Heartloans.co.uk is a registered Trading Name of Ocean Capital Credit Limited which and is entered on the Financial Services Register. Ocean Capital Credit Limited is registered in England and Wales (Company number 9414413), Registered Office; Manor House 35 st. Thomas’s Road Chorley PR7 1HP. Licenced by the Information Commissioners Office, (registration number ZA152869).
Here at Heart Loans we are aware about how important your privacy is and based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this it will also be processed and maintained in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at Heart Loans may hold about you, our customer, how we obtain and process any information we may have and, most importantly, how we will protect your privacy.
How we may contact you
Unless you state otherwise to us, lenders, third parties and other brokers (see further section on ‘How we keep you informed’) may contact you via telephone, email, post, SMS, automated messages or fax.
How we keep you informed
However if you register with us, have a question about our services or alternatively choose to send an email to email@example.com, we may also collect the above personal information/data in this in order for us to respond to your enquiry. We may also receive personal information for instance from 3rd parties, which enables us to offer identified potential customer’s products and services, who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so that we can ensure it is corrected. If you require your preferences to be updated, please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ paragraph).
How we use your Personal Information
Fraud prevention agencies & credit referencing
Upon application to us we may use both fraud prevention agencies and credit referencing agencies to help us make relevant decisions. This section has been reduced down into a simple explanation of how we will use your personal information/data regarding credit referencing agencies and fraud prevention agencies. Further information on fraud prevention agencies can be obtained from the ocean capital credit Limited Compliance Manager. If you do choose to contact the Credit Reference Agency (CRA), please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs. A small fee will be charged when information is requested. This fee currently stands at £2.00. To help you with this, we have provided below contact details for the CRAs:
Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US, Tel number 0870 010 0583, www.equifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF, 0844 4818000, www.experian.co.uk
CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, 0870 060141
We will make the following checks about yourself and others:
Do we share your information with third parties?
If we do share your information with parties outside of our group this may be for the following reasons:
Confidentiality & security
Heart Loans recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would also confirm that any and all such third-parties that we share your data with are bound by contract to maintain the security and integrity of your Personally Identifiable Information. As such we would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so. Please be advised that, although Heart Loans takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, Heart Loans cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this Site and your use of Heart Loans services, which necessarily includes data storage and data transmission, are done at your own risk.
How long do we keep your information for?
The amount of time we hold your information for depends on the basis it was provided by you to us; please see the following examples:
Usage of links to other sites
Processing of sensitive information
Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:
Alternatively you can write to:
35 st. Thomas’s Road
Why is HeartLoans right for you?
In the UK alone, thousands of people every week are hit with unexpected bills and expenses which they have not budgeted for. Even the most organised can find themselves in moments of financial strain. Many traditional lenders and banks only offer their customers with complex or time consuming strategies to lend money to help cover these times of financial difficulty. Here, at Heart Loans, we understand how long processes and the paper work associated with bank loans only increases the stress of the situation you are facing. That is why we believe in providing our customers with a much simpler and stress free solution. We strive to deliver a reliable and quick way to apply and receive the money you need. Our customers remain in full control of their pay day loan, choosing the exact amount of money they want to lend along with when you want to pay it back. Heart Loans will then use our leading lending platform Monevo, to rapidly source you with the best short term loan provider appropriate for your personal requirements to choose from. Simply fill out our 5-minute online payday loan application form, and the money could be in your bank account in as quick as 15 minutes**! Our quick and easy instant payday loan application system is why we are one of the best payday loans company in the UK. .