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Privacy Policy

("We") as Valour Group (UK) Plc trading as Savvy.co.uk are committed to protecting and respecting your privacy. Our Privacy Policy applies to all customers who visit our website.

This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting www.savvy.co.uk you are accepting and consenting to the practices described in this policy.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Savvy.co.uk whose registered office is at The Colony HQ, Altrincham Road, Wilmslow, England, SK9 4LY.

INFORMATION WE MAY COLLECT FROM YOU

We may collect and process the following data about you:

  • Information you give us. You may give us information about you by filling in forms on our site www.savvy.co.uk (our site) or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you complete the online loan application and search for a product. The information you give us may include your name, address, e-mail address and phone number, financial and credit card information, personal description and photograph.
  • Information we collect about you. With regard to each of your visits to our site we may automatically collect the following information:
    • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
    • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
  • Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties (including, for example, business partners, advertising networks, search information providers, credit reference agencies) and may receive information about you from them.
  • Telephone calls that you make to our customer services team on 0800 007 5888 or 0330 002 0118 may be monitored and/or recorded. This will help us to train our staff and improve our service to you.

To register with us you must be 18 years of age or older.

COOKIES

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For detailed information on the cookies we use and the purposes for which we use them see our cookie policy.

USES MADE OF THE INFORMATION

We use information held about you in the following ways:

  • Information you give to us. We will use this information:
    • to carry out our obligations arising from any loan agreement entered into between you and us and to provide you with the information and products that you request from us;
    • to permit selected Valour Group (UK) Plc companies to provide you with information about services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS).
    • to notify you about changes to our service;
    • to ensure that content from our site is presented in the most effective manner for you and for your computer.
  • Information we collect about you. We will use this information:
    • to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
    • to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
    • as part of our efforts to keep our site safe and secure;
    • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
    • to make suggestions and recommendations to you and other users of our site about products or services that may interest you or them.
  • Information we receive from other sources. We may combine this information with information you give to us and information we collect about you.

DISCLOSURE OF YOUR INFORMATION

We may share your personal information with any company within the Valour Group (UK) Plc , which includes our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may share your information with selected third parties including:

  • Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a loan agreement with you.
  • You are not required to provide us with viewing access to your bank account transaction information (Transaction History) or internet banking access details. You may still be allowed to apply for a loan with us if you do not provide us with this information. However, if you do it will help us make an informed decision about whether we can lend to you.

    If you agree that we may access your Transaction History the following provisions shall apply.

    Provide Accurate Information. You, agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information. You agree to keep your bank account information up-to-date, accurate and complete.

    Purposes. We will access your Transaction History using the services of a credit reference agency called Perfect Data Solutions Limited (PDS). We will use your Transaction History to assess your creditworthiness and whether the loan you seek is affordable.

    Neither we nor PDS will store or have access to your internet banking credentials, PIN codes or passwords. That information is encrypted in transit and stored by a third party service provider upon their servers in a secure environment outside the EEA.

    Third Party Accounts. By agreeing to allow us viewing access to your Transaction History, you authorise PDS and PDS's service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days. You agree that PDS and PDS's service providers may, and are instructed by you as your agent and nominated representative, with full power of substitution and re substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. This will include the following purposes: copying Transaction History over a 90 day period and storing the copied Transaction History on our servers.

    You agree that the Transaction History shall also be used by PDS for credit reference agency purposes and may be taken into account when producing your individual credit score which may be shared with other organisations as part of your credit record.

    You acknowledge and agree that when we, PDS or PDS's service providers access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). You should be aware that third party account providers shall be entitled to rely on this authorisation and agency granted by you. You should also be aware that this service is not endorsed or sponsored by any third party bank account providers. We would recommend that you refer to the terms and conditions of your internet banking provider if you would like more information.

    You understand that allowing us to review your Transaction History is at your sole risk. We are only able to review your Transaction History on an "as is" and "as available basis" as it is made available to us by service providers. It may not be available to us from time to time. We cannot guarantee that allowing us to review your Transaction History will guarantee the success of your loan application or the rate at which the loan is available.

We may disclose your personal information to third parties:

  • If Savvy.co.uk or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of Savvy.co.uk our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

LOAN APPLICATION FORM

To aid you to complete the monthly expenditure fields on the income and expenditure section of the application form you are expressly consenting for us to pre-populate some expenditure fields with typical national averages.

It is your responsibility to review and check these expenditure item values to ensure that they are accurate, correct and specific to your financial circumstances.

We rely on the information submitted on the income and expenditure form, to assess that the loan amount requested and the associated repayments are affordable for you, based on our lending criteria.

It is important that all information which you provide us with during the application process is accurate, honest and correct. We take no responsibility for lending to you based on you having provided us with false, incorrect or fraudulent information.

CREDIT REFERENCE AGENCIES (CRA) & FRAUD PREVENTION AGENCIES (FPA)

When you apply for a loan you confirm that all the information you have given is true and complete.

By submitting your details and agreeing to the terms of this privacy policy you accept and expressly consent to the use and disclosure of your personal information in the manner described, in particular, when you apply to us for a loan we will check the following records about you to assess your application to assist us in making a decision on whether or not we will approve your loan application:-

  • Our own;
  • Those at CRAs;
  • Those at FPAs.

We will make such checks when assessing your application.

When CRAs receive a search from us they will place a search “footprint” on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. Large numbers of applications within a short time period may affect your ability to obtain credit, this is applicable whether you have been accepted or declined.

If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it / them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. This may affect your ability to obtain credit in the future.

Credit records remain on your credit file for a period of 6 years after which date they are closed, whether settled by you or following a default.

If you provide us with false or inaccurate information or we identify fraud , details may be passed to FPAs and other organisations involved in crime and fraud prevention including law enforcement agencies who may then access this information

We and other organisations may also access and use this information to prevent fraud and money laundering, CRAs and FPAs may use your information for statistical analysis. Information held by CRAs and FPAs will be disclosed to us and to other organisations in order to for example, when:

  • Checking details on applications for credit and credit related or other facilities
  • Verify your identity
  • Manage credit related accounts or facilities
  • Make decisions on credit and other facilities for you, your financial associate (s), members of your household or your business;
  • Recover debts you owe
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

HOW TO FIND OUT MORE

This is a condensed version and if You would like to read the full details of how Your data may be used, or if You want to receive details of the relevant FPAs, please email Us at [email protected]

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is beneficial to contact them all. They will charge You a small statutory fee.

CallCredit, Consumer Services, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or www.callcredit.co.uk
Equifax PLC, Credit File Advice Centre, PO Box 30001, Bradford, BD1 5US or www.equifax.co.uk
Experian, Consumer Help Service, PO Box 80000, Nottingham, NG80 7WF or call 0870 241 6212 www.experian.co.uk
The Fraud Prevention Agency that we use is Action Fraud - www.actionfraud.police.uk

WHERE WE STORE YOUR PERSONAL DATA

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

Where we have given a password PIN code which enables you to access certain parts of our site, 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 site; 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 unauthorised access.

YOUR RIGHTS / OPT-OUT

You have the right to ask us not to process your personal data for marketing purposes. If you do not want us to use your personal data to contact you by electronic means (email or SMS) with information about other products offered by any company within the Valour Group (UK) Plc, please contact us at [email protected]

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.

CHANGES TO OUR PRIVACY POLICY

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

CONTACT

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to Compliance Manager, Savvy.co.uk, The Colony HQ, Altrincham Road, Wilmslow, England, SK9 4LY or by email to [email protected]

Info Savvy Info

Important information about our loans. Please take time to read about us and how we operate as we take our responsibilities and duties as a provider of consumer finance seriously.

We want you to understand about the finance we provide. Please click here to view more important information. And click here to read some FAQ's before you make an online application for credit.

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