As the operators www.creditspring.co.uk (the " Website "), Inclusive Finance Limited, trading as Creditspring (" We ", " Us ", " Our "), We respect Your privacy and are committed to protecting Your personal data.
This Website is not intended for children and We do not knowingly collect personal data relating to children.
Unless otherwise defined in this policy, capitalised terms will have the meaning given to those terms in the Website terms and conditions.
It is important that You read this Policy together with any other privacy policy or fair processing policy We may provide on specific occasions when We are collecting or processing personal data about You so that You are fully aware of how and why We are using Your personal data. This Policy supplements other notices and privacy policies and is not intended to override them.
We are Inclusive Finance Limited, a private limited company and Our registered company number is 10522518. Our registered office is 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN. We operate from Our registered address.
We provide consumer credit services.
We are registered with the Information Commissioner's Office (" ICO ") with registration number: ZA252803.
We are authorised and regulated by the Financial Conduct Authority to enter into a regulated credit agreement as a lender, exercise or have the right to exercise the lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement), under reference number 786052.
We are the data controller of any personal data You provide to Us and are subject to any applicable data protection laws.
If You have any questions about Our Policy or Your information, or to exercise any of Your rights as described in this Policy or under any applicable data protection laws, You can contact Us:
We reserve the right to modify this Privacy Policy at any time. Any changes We may make to Our Privacy Policy in the future will be notified to You by email and made available to You through this page on the Website. Your continued use of the services and the Website will be deemed Your acceptance of the amended Privacy Policy.
You can browse our website as a guest without giving us any information, and we won't know who you are. However, even if you are a guest, please bear in mind that we may:
We collect the information above by using cookies. Please see our Cookies Policy which explains what cookies we use on our website, why we use them and how you can control them.
Additional services are available once you register with us and login to our website. In this case, we will know who you are, your activities on our website and information about your computer may be linked to you on our systems. We may retain copies of any correspondence you send us, details of your registration history and any materials you post or upload to the Creditspring website.
We also store data that you submit to us via email and through our contact form and email subscription sign-up form on our website.
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect the following personal information about You:
We also collect sensitive classes of information that may include:
We may collect and process the following personal information from You:
We will also check information about you held on our own records and also obtain information from credit reference agencies about you and your financial associates' personal credit behaviour and personal credit accounts.
We will also search at fraud prevention agencies for information on you and your financial associates and business partners.
We use personal information held about You in the following ways:
In addition to the above uses We may use Your information to notify You about goods or services which may be of interest to You. For such uses We will only contact You by electronic means (e-mail or SMS) if You have consented to such communication when We collect Your personal data, or if Our contact relates to goods and services similar to those which were the subject of a previous transaction with You. If You do not want Us to use Your personal data in this way, please do not tick the relevant box situated on the form on which We collect Your personal data (the registration form used to register).
We communicate with You through e-mail or notices posted on the Website. Examples of these communications include:
Messages will be sent to You based on Your profile information and messaging preferences. You may change Your e-mail and contact preferences at any time by signing into Your profile and changing Your e-mail or alternative contact settings. You can also opt out of newsletters and promotional messages by sending a request to Us via the "unsubscribe" link of the e-mail.
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
We will only use Your personal data when the law allows Us to. Most commonly, We will use Your personal data in the following circumstances:
Click here to find out more about the types of lawful basis that We will rely on to process Your personal data.
Generally We do not rely on consent as a legal basis for processing Your personal data other than in relation to sending direct marketing communications to You via email or text message. You have the right to withdraw consent to marketing at any time by contacting Us using the methods at paragraph 4 of this Policy.
We have set out below, in a table format, a description of all the ways We use Your personal data as stated above, and which of the legal bases We rely on to do so. We have also identified what Our legitimate interests are, where appropriate.
Note that We may process Your personal data for more than one lawful ground depending on the specific purpose for which We are using Your personal data. Please contact Us using the details set out at paragraph 4 above if You need details about the specific legal ground We are relying on to process Your personal data where more than one ground has been set out in the table below.
What We use Your information for | Type of Information | Our reasons | Our legitimate interests |
To provide the Creditspring services:
|
Submitted Information |
Fulfilling contracts Our legitimate interests Our legal obligation |
Being efficient about how We fulfil Our legal and contractual duties. Our commercial interest in providing You with a good service. Complying with regulations that apply to Us. |
To combat against fraud:
|
Submitted Information Device Information Third Party Information Location Information |
Fulfilling contracts Our legitimate interests Our legal obligation |
Developing and improving how We deal with financial crime, as well as complying with Our legal duties in this respect. Complying with regulations that apply to Us. |
To help market and provide new products and services that interest You:
|
Submitted Information Device Information Third Party Information |
Our legitimate interests |
Defining types of customers for new products or services. Being efficient about how We fulfil Our legal and contractual duties. Seeking Your consent when We need it to contact You. |
To keep the Creditspring Services up and running:
|
Submitted Information Device Information |
Fulfilling contracts Our legitimate interests Our legal obligation |
Being efficient about how We fulfil Our legal and contractual duties. Complying with regulations that apply to Us. |
We may disclose Your personal information to any member of Our group, which means Our subsidiaries, Our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006 (where applicable).
Notwithstanding any terms to the contrary, We may disclose Your personal data to third parties only where strictly necessary for the purposes set out above, including:
When a credit reference agency receives an initial search from us they will leave a "footprint" on Your credit file. However this footprint will only be visible to You and Us.
If We make You an offer of a loan, We will perform a full credit search which will leave a visible credit search "footprint" on Your credit file regardless of whether You accept Our offer. If the search was for a credit application, the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when You apply for credit in the future.
A credit reference agency will link together the previous and subsequent names advised by You of anyone that is a party to the account.
Credit reference agencies supply the following information to us:
Credit reference agencies will keep records of outstanding debt on file for six years after they are closed, whether settled by You or defaulted.
The information which We and other organisations provide to the credit reference agencies and fraud prevention agencies about You, Your financial associates, Your business partners and details about Your business may be supplied by credit reference agencies and fraud prevention agencies to other organisations and used by them to:
If false or inaccurate information is provided by You and fraud is identified We will record this and details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
Please contact us if You want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
The identities of the credit reference agencies, and the ways in which they use and share personal information, are explained in more detail at www.experian.co.uk/crain and www.equifax.co.uk/crain
The personal data that We collect from You may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for Us or for one of Our suppliers. Such staff maybe engaged in, among other things, the fulfilment of Your order, the processing of Your payment details and the provision of support services. By submitting Your personal data, You agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Policy.
All information You provide to Us is stored on Our secure servers. Any payment transactions will be encrypted. Where We have given You (or where You have chosen) a password which enables You to access certain parts of Website, You are responsible for keeping this password confidential. We ask You not to share a password with anyone.
We take appropriate measures to ensure that any personal data is kept secure and for the duration of Your use of Our Services. 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 personal data when 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 unauthorised access.
The Website may give You access to message boards or forums from time to time. You acknowledge and agree that any personal data published by You using these features is at Your sole discretion and is accessible by the public.
If Your personal details change You may update them by accessing the relevant page of the Website. If You have any questions about how We use personal data collected which relates to You, please contact Us by sending a request by email to the contact details below.
Our website may display "personalised" or "targeted" advertising. In such situations, the following terms will apply:
Our Website displays interest based advertising using information You make available to Us when You interact with Our Website. Such "personalised" or "targeted" advertising is displayed to You based on information from activities on Our Website.
We use cookies, web beacons and other technologies to allow Us to learn about what advertisements You see, those You click, and other actions You take on Our Website. This allows Us to provide You with more useful and relevant ads.
We may work with other third parties advertising companies to show You adverts based on other websites You may have visited to show You more relevant and useful adverts.
These third party companies may use third party cookies, web beacons, or similar technologies to collect information. They may also collect Your device identifier, IP address, or identifier for advertising (IDFA). We do not have access to or control over cookies or other technology that these third party advertising companies may use, and their practices are not covered by any of Our policies. We recommend contacting them directly for further information.
We may work with service providers who are authorised to place third-party cookies, web beacons or similar technologies for storing and collecting information on Our Website with Our permission.
These service providers may use these technologies to help Us deliver Our own content and advertising and/or compile analytics, so that We may improve Your experience of using the Website.
Where We have implemented any Google Analytics Advertising Features, You can find out more about how Google uses personal data here.
Creditspring is obligated under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (SI 2017/692) to retain personal data about You and Your Creditspring Transactions for a period of five years. In order to not hold Your information for longer than is strictly necessary We will not hold any of Your personal data for more than 6 years after the termination of Our business relationship.
We would like to provide You with information about Our new products, services, promotions, special offers and other information which We think You may find interesting.
If You have registered with Us or have previously asked Us for information on Our products or services, provided You have given us Your consent, We may send You information on Our range of products and services by phone, email and/or SMS.
You have the right to object at any time to Our processing of Your personal information for direct marketing purposes and if You decide at any time that You no longer wish to receive marketing phone calls, emails or SMS from us, please contact us by email at info@creditspring.co.uk or in writing to us at Creditspring 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN. We will always give You an opportunity to unsubscribe from receiving any marketing from us in each communication We send to You.
You have the right to access information which We hold about You. If You so request, We will provide You with a copy of Your personal information which We are processing. For any further copies which You may request, We may charge a reasonable fee based on administrative costs. Please contact Us by email at info@creditspring.co or in writing to us at Creditspring, 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN.
You also have the right to receive Your personal information in a structured and commonly used format so that it can be transferred to another data controller.
We want to make sure that Your personal information is accurate and up to date. If You think any information We have about You is incorrect or incomplete, please contact us by email at info@creditspring.co or in writing to us at Creditspring, 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN as soon as possible. We will correct, delete or update any information as soon as possible.
Where We process Your information based on Our legitimate interests, You also have the right to object, on grounds relating to Your particular situation, at any time to processing of Your personal information which is based on Our legitimate interests. Where You object on this ground, We will no longer process Your personal information unless We can demonstrate compelling legitimate grounds for the processing which override Your interests, rights and freedoms or for the establishment, exercise or defence of legal claims.
You also have the following rights under any applicable data protection laws to request that We rectify Your personal information which is inaccurate or incomplete.
In certain circumstances, You have the right to:
We may use a credit-scoring system, i.e. an automated system to assess any aspect of Your credit worthiness. You may ask Us to ensure that, when We are evaluating Your application for finance, We don't base any decisions solely on an automated process. You must notify Us of this request in writing to info@creditspring.co or Creditspring, 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN.
If You make such a request, You will then have the right to be notified where such a decision is or will be based on an automated process. If We notify You that We have taken such a decision, You may request Us to review that decision other than by automatic means by writing to info@creditspring.co or Creditspring, 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN within 21 days of receiving the notification.
These rights will not apply in all circumstances, for example where the decision is authorised or required by law and steps have been taken to safeguard Your interests.
You can exercise any of Your rights as described in this Policy and under any applicable data protection laws by contacting Us as given in section 4 (Contacting Us) above.
Save as described in this Policy or provided under any applicable data protection laws, there is no charge for the exercise of Your legal rights. However, if Your requests are manifestly unfounded or excessive, in particular because of their repetitive character, We may either: (a) charge a reasonable fee taking into account the administrative costs of providing the information or taking the action requested; or (b) refuse to act on the request.
Where We have reasonable doubts concerning the identity of the person making the request, We reserve Our right, but are not required, to request additional information necessary to confirm Your identity.
You have the right to ask Us not to process Your personal data for marketing purposes. We will usually inform You (before collecting Your data) if We intend to use Your data for such purposes or if We intend to disclose Your information to any third party for such purposes. You can exercise Your right to prevent such processing by checking/ticking certain tick boxes We use to collect Your data. You can also exercise the right at any time by contacting Us using Our contact details set out below.
The Website may, from time to time, contain links to and from the websites of Our partner networks, advertisers and affiliates. If You follow a link to any of these websites, please note that these websites have their own privacy policies and terms of use and that We do not accept any responsibility or liability for these policies and terms of use. Please check these policies before You submit any personal data to these websites.
You have a right to access, modify, correct, or delete Your personal data controlled by Us regarding Your profile.
Your submissions shared with others may also remain visible after You have deleted Your profile. In addition, You may not be able to access, correct, or delete Your submissions that other Users have copied or exported out of the Services, because this information may not be in Our control.
You have the right to complain to the Information Commissioner's Office about Our data processing activities (helpline on 0303 123 1113).
We would, however, appreciate the chance to deal with Your concerns before You approach the ICO so please contact Us in the first instance.
Please take a look at some helpful guidance on ICO website which can be found here.
Welcome to the Inclusive Finance Limited Cookies policy.
As the operators of www.creditspring.co.uk (the " Website "), Inclusive Finance Limited, trading as Creditspring (" We ", " Us "," Our "), We respect Your privacy.
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 the Website. By accepting this cookies policy, You are agreeing to Our use of cookies.
A cookie is a small file of letters and numbers that We store on Your browser or the hard drive of Your device if You agree. Cookies contain information that is transferred to device.
The cookies We use include:
Read more about the individual cookies We use and how to recognise them below.
Cookie | Purpose |
|
These cookies collect information about how Our visitors use Our website. Information collected includes the number of visitors to Our site, which website they came from and which pages they looked at on Our website. The cookies collect information anonymously. We use this information to analyse the performance of the site and make improvements. |
Save as outlined in this policy or otherwise on Our Website, and with the exception of the use of such technologies by Our service providers or other authorised third parties, We do not allow third party content on the Website to include or utilise any cookies or similar technologies for tracking purposes or to collect Your personal data. If You think other third party content may be collecting personal data or using tracking technologies on Our Website, please report it to Us by viewing Our "contact" page on the Website.
Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which We have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.
You can block cookies by activating the setting on Your browser that allows You to refuse the setting of all or some cookies. However, if You use Your browser settings to block all cookies (including essential cookies) You may not be able to access all or parts of Our Website.
You may also access Google Analytics' currently available opt outs for the web here or accessing Ads Settings or Ads Settings for mobile apps, depending on Your device.
For more information on third party advertising-related cookies and how to opt-out of them, You can visit the following third party websites:
Note that using opt out methods described above does not necessarily mean that You will not see advertising, only that the advertising will not be specifically targeted to You.