Your application is being processed by Nouveau Finance Limited. Nouveau Finance Limited believes it is important to protect your Personal Data (as defined in the Data Protection Act 2018) and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy. This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data and tells you certain things we will do and not do. You should read this policy in conjunction with the Website Terms.
|Who are we?|
|We are Rhumsaa Finance (registered company number 11508489) our registered address is Rhumsaa Finance, Howards C/A, Newport Road, Stafford, Staffordshire.|
Rhumsaa Finance is an Introducer Appointed Representative of Nouveau Finance Limited and is entered on the Financial Services Register under reference number Rhumsaa Finance. Nouveau Finance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 727348.
|How do we collect information from you?|
|We collect Personal Data from you:|
1. When you take a service of product from us.
2. When you contact us, or if you have replied to a communication from us.
3. Through a third party who sells your data.
|What type of information is collected from you?|
|The type of information that is collected includes:|
1. Contact details;
2. Date of birth;
3. Employment details;
4. Email details;
5. IP addresses;
6. Bank details.
|What is our lawful basis for collecting this data and why do we need this?|
|In order for us to process your data we have to have a lawful basis to do so. We are relying on the following basis to do so:|
a. Consent: you have given clear consent for us to process your personal data for a specific purpose.
b. Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect your personal data which overrides those legitimate interests.
We have identified these on a lawful basis to assess whether we can, pass your details on to our panel of lenders for a loan, pass your details to a third party who may assist you with obtaining a loan or if we wish to continue to market to you with other specific products set out below.
|How is your information used?|
|We use your information so that:|
a. We can identify you when you contact us.
b. We can identify accounts, services and products you may have from us.
c. We can, and other carefully selected third parties, use your information to let you know of other products and services, including those of others, that we believe may be of interest to you.
d. We can prevent and detect fraud or loss.
e. We can improve your account administration.
f. We can undertake marketing analysis and customer profiling in order for us to improve our services to you.
|Do you record calls or emails?|
|If you write to us we will retain correspondence.|
|Who has access to your information?|
|1. All our staff;|
2. Third parties including police or government agencies should they request it;
3. If any officials request it for legal proceedings;
4. Credit brokers or affiliates;
5. Lenders, if we sell your data;
6. If our company and all of its assets are bought by a third party your personal data will also be transferred to this third party;
7. If we need to pass on personal data to others who offer administration services, marketing information and customer services.
|Do you sell data?|
We are an Introducer/Appointed Representative of Nouveau Finance Limited. That is our business. We pass you onto the relevant company that will find you a loan and they will collect your data. We receive a commission for the referral.
|Can I refuse my data being sold?|
|Yes, you can. If you do not wish for your data to be sold, do not submit your application on our website. We are an authorised credit broker and the nature of our business is to sell your data which is how we generate revenue.|
|Do you buy data?|
|Why do you pass my details on to third parties?|
|We pass your details to the relevant business that provides the financial product you have requested.|
|How do I know that any third party is a suitable and trustworthy business to deal with?|
|We carry out comprehensive due-diligence on each party that we work with to ensure your personal data is secure and that the communication you receive is relevant to your needs. Communication from the third party may be by email, SMS or telephone.|
|What type of businesses do you match me to?|
|We work with a wide variety of businesses that offer financial products. All of the businesses we work with are associated with Nouveau Finance Limited who are our Principal company.|
When you select the box to share your information with selected third parties you agree to receive communications (including mail, email, telephone, fax, text/SMS or multimedia messages) the categories of products offered by those third parties are listed here:
Lenders including but not limited to:
1. Unsecured lenders;
2. Secured lenders;
3. Short term lenders;
4. Alternative lenders;
5. Peer to peer lenders;
6. Guarantor lenders;
7. Car finance, logbook loan lenders;
8. Debt management providers;
9. Credit report information service providers; and
10. Other credit brokers.
For a detailed list of these third parties you can write to us at Rhumsaa Finance, Howards C/A, Newport Road, Stafford, Staffordshire.
|Can I change my mind about marketing?|
|If you consented to receiving marketing communication from us, there will be an opt-out on every correspondence you received. You can also change your mind at any time by emailing us at Rhumsaa Finance on email@example.com.|
|How can I update and access my data?|
|Please email us at Nouveau Finance heading [Change my data] – we will also write to you annually.|
|What security do you have to protect my data?|
|We have a very strict policy on protecting your Personal Data:|
a. We make sure we do thorough checks on everyone we work with.
b. We also encourage you to use a secure and confidential password to access your account and encourage you to sign off properly when using a shared computer.
c. We use encrypted software.
d. The limited data we do store is stored on cloud servers online.
|Cookies cannot be used to identify you personally and are used to improve services for you, for example through.|
a. Letting you navigate between pages efficiently;
b. Enabling a service to recognise your computer so you don’t have to give the same information during one task;
c. Recognising that you have already given a username and password so you don’t need to enter it for every web page requested;
d. 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;
e. It allows us to obtain information about customers internet usage;
f. It helps us to improve our site and deliver a better service to you.
See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies.
|Do we profile your information?|
|We do limited profiling so that we can match your specific needs to the loan product you require. Our panel of lenders may carry out their own profiling. To find out what information we hold on you can write to us at Rhumsaa Finance|
|What age must I be to use your services?|
|Rhumsaa Finance, c/o Howards Newport Road, Stafford, Staffordshire.|
United Kingdom Loans is a trading name of Rhumsaa Finance Limited.
Registered Address: Newport House, Newport Road, Stafford, Staffordshire, United Kingdom, ST16 1DA Company Registered Number 11508489 | Financial Services Register Number 843158 Rhumsaa Finance Limited is an Introducer Appointed Representative of Nouveau Finance Limited. Nouveau Finance Limited is authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register under reference number 727348, and licensed by the Information Commissioner’s Office under reference number Z3624187.
* If a lender match is made, an application may still be subject to credit checks and affordability assessments in line with responsible lending.
United Kingdom Loans does not make credit decisions and is not a lender. United Kingdom Loans introduces customers to Nouveau Finance Limited, who match customer’s loan applications with lenders on their panel based on the information you provide. United Kingdom Loans may receive commissions for introductions. This website does not directly endorse a particular product or service. Information on our website should be taken as opinion only. Loans for UK based customers only. Loans are subject to status and satisfactory affordability checks. Over 18’s only. Default charges may apply if you do not repay on time. Short term loans are not suitable for longer term borrowing needs.
United Kingdom Loans is a loan matching service. This website will submit the information you provide to a direct lender. Upon a loan approval, a direct lender may require further information from yourself which will be collected after we transfer you to their website or they may contact you via phone or email or both.
Non Payment Implications
The implications of non-payment of your loan could include adverse details being included in your credit report. This could adversely affect future attempts at securing credit or finance, in additional to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incurr a charge / fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new repayment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, Rhumsaa Finance strongly recommends that you contact the lender in the first instance.