We are The Perfect Loans which is a trading name of Prophoenix Solutions Tech Ltd. Authorized and regulated by the Financial Conduct Authority reference number {933197}. Registered in England No. 12528135. Our address is 27 Old Gloucester Street, London, England, ZA786198. Registered with the Information Commissioner’s Office No. ZA786198. Theperfectloans.com is a broker, not a lender.

Our Data Protection Officer

Our Data Protection Officer is Rohit Singh. He can be contacted below:
Address: 27 Old Gloucester Street, London, England, WC1N 3AX.
Telephone No.: 03300945237.

Our Privacy Policy applies to all customers who visit our website and may change from time to time. We reserve the right to update or modify this Policy at any time. Our services are strictly for persons aged 18 years and over.

Contents

1. Your Consent
2. Cookies
3. Security
4. Collecting your information
5. Lawful basis for collecting information
6. Your rights
7. Use of Your Information
8. Data Retention
9. Contact form Theperfectloans.com and third parties
10. Third-Party Links

Your Consent

When you submit an application with Theperfectloans.com, we share your details with our panel of trusted partners. By submitting your details and/or using our service you accept this Privacy Policy and are expressly consenting to the processing, use, and disclosure of your personal information as described below. If you do not consent, we will not be able to process your inquiry as your personal data is integral to the service you are applying for.

We place cookies or similar technologies on the machine you use to visit our site and/or you use to make an application. This is primarily to make it easier for you to access and navigate the website. By continuing to use our website, you are giving your consent to do this. More information about cookies is set out below.

Cookies

This information does not identify any individual. We may also obtain information about your general Internet usage by using a cookie file that is stored on the hard drive of your computer, which again does not identify any individual. This information is sent back to the server each time the browser requests a page from the server that enables the web server to identify and track the web browser. For more information about cookies, please visit http://www.allaboutcookies.org. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences, and recognize you when you return to our site.

You can set your web browser to refuse cookies (or just to refuse third-party cookies), but if you do this you may not be able to enjoy full use of the site. Please note that any third parties who may advertise on our site may also use cookies, but we do not have access to, or control over them.

3. Security – How We Store Your Information

We recognize the need for appropriate protection and management of the personal and financial information you share with us and believe that our systems meet and exceed industry standards. We protect that information using secure socket layer (SSL) encryption technology. We store data in encrypted form on computers and control access via secure web pages. We use firewalls and other security packages to protect us from external attack.

We also test our systems to make sure they meet these expected standards.

Collecting Your Information

We collect several types of personal information, including name, telephone number, DOB, address, account number, IP address, email address, username, and payment or other financial information.

We collect information about you directly from your online inquiry and through our continued communications with you. You will be fully aware of the information collected about you as you will have completed the inquiry form and provided any information directly to us.

However, we may also collect information:

• From publicly accessible sources (e.g., Companies House);
• From our service providers (e.g., credit bureaus);
• From our clients

In addition, we may collect information about your computer including, your IP address, operating system, and browser type – for system administration and to report information to our advertisers and selected partners.

We regularly use or disclose personal information for one or more of the following business purposes:

• Fulfill the reason you provided the information.
• Perform services on behalf of a business or service provider, including providing customer service, providing analytic services, or providing similar services on behalf of the business or service provider
• Provide you with information or services that you request from us
• Auditing related to consumer interactions
• Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
• Debugging to identify and repair errors that impair existing intended functionality
• Short-term, transient use, where the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction
• Respond to legal requests and as required by applicable law or court order
• As appropriate to protect the rights, property, or safety of us, our clients, or others

The main purpose of collecting data from you is to provide you with a credit brokerage service.

What Is Our Lawful Basis For Handling Your Personal Information?

Under the General Data Protection Regulation (GDPR) we must have a lawful basis to legally handle your personal information. The lawful basis that we rely upon is as follows:

1. Your consent. You can remove your consent at any time. You can do this by contacting the Data Protection Officer.
2. Contract – to take steps, at your request, to enter into a contract to fulfill your order and to perform our obligation under the contract (i.e. to deliver your order);
3. Legal obligation – to share personal information with law enforcement agencies and regulatory bodies if required to do so by law;
4. Legitimate interests – to use your personal information to send you marketing communications about similar products/services in the future, to share your personal information with third-party professional service providers that we engage, and to share your personal information with our successor(s) in the event of a merger or acquisition.

Your Rights

You have the following rights in relation to the data we hold about you:

• The right to be informed about the processing of your personal data (Privacy Policy);
• The right to have your personal data corrected if it’s inaccurate or completed if we hold incomplete personal data;
• The right to object to the processing of your personal data;
• The right to restrict the processing of your personal data;
• The right to have your personal data erased;
• The right to request access to your personal data;
• The right to move, copy, or transfer your personal data;
• Rights in relation to automated decision making.

In certain cases separate consent is not required, including the performance of a contract, to meet legal obligations and for legitimate interests.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Use Of Your Information

We may share the information you submit with third parties involved in the process of providing the services you request, such as lenders, credit bureaus, customer service providers, and collection agencies. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the security of your personal information. We may use third-party grammar aids to improve our communications before they are sent out to you, but your data will never be processed by the third party whilst using grammar aids.

Our partners 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 customize and develop the product/service that they offer to you or other individuals in the future. Most lenders might use this for up to 12 months.

Under the General Data Protection Regulations, we are classed as the data controller and may use data that identifies you (“your personal data”) for statistical analysis; to develop and improve our products; to update your records; to identify which of our, or others’ products might interest you; to assess lending and insurance risks; to identify, prevent, detect or tackle fraud, money laundering and other crime; to carry out regulatory checks; keeping you informed about your loan and for market research.

We will keep your personal data confidential and only give it to others for the purposes explained. In particular: –

• To our agents and subcontractors, acting for us, to use for the purpose of operating our lending business and obtaining payment;
• To share information via an organization that provides a centralized application matching service that it collects from and about mortgage and/or credit applications, for the purpose of preventing and detecting fraud;

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 Credit Reference Agencies – CRAs.

Data Retention

We will retain your information for as long as there is a business relationship with us. We will also retain your personal data as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Contact From Theperfectloans.com

Theperfectloans.com will not contact you other than to verify the information you have provided.

As part of the application process, we ask you whether we or any of our trusted third-party partners may contact you about products and services by telephone, post, email, and SMS (or other reasonable method). If you ticked “yes” but no longer wish to receive such communications, please let us know. If you select the box to share your information with selected third parties you agree to receive communications from those listed at the time of consent.

We carry out due diligence on each party that we work with to ensure your personal data is secure and that the communication you receive is relevant. The following communication types may be sent to you if you consent:

• unsecured loan providers, secured loan providers, short-term lenders, alternative lenders, peer-to-peer lenders, guarantor lenders
• credit cards
• prepayment card and bank account providers
• car finance, logbook loan lenders
• insurance services such as car insurance, home, and contents insurers
• debt and property possession adjusters/advisers
• compensation advisers
• debt management companies, insolvency practitioners, bankruptcy specialists
• equity release arrangers and credit reference advisers.

If at any time you wish to stop receiving contact from a third party, you will need to follow the instructions about unsubscribing provided at that time by the third party. Please note that we only partner with trusted companies who will respect your right to unsubscribe from any such marketing communications, but we will not be responsible for managing that process or any disputes.

Third-Party Links

Our site may contain links to third-party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. By registering at Theperfectloans.com you may receive follow-up contact and offers from third-party companies and, while we only work with selected partners, we are not responsible for the services or representations of third parties. we are a Credit broker and We may pass data to Tdotuk as part of the application process https://t.uk/b-privacy/

How To Complain

If you have any concerns relating to the use of your personal data, you may complain to the Data Protection Officer.

You also have the right to complain to the ICO if you believe we have contravened any of your rights.

They can be contacted at the Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

Helpline number: 0303 123 1113

Further details about your rights can be found on the ICO website: https://www.ico.org.uk

This Privacy Policy was last updated in August 2023.