Monevo Limited is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450 Monevo Limited is registered in England and Wales (Company number 06511345), Registered Office; Oxford House, Oxford Road, Macclesfield, Cheshire, England, SK11 8HS. Licenced by the Information Commissioners Office, (registration number Z1498441)
Here at Monevo Limited we are aware how important your privacy is, 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 and also 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 Monevo may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
This privacy policy is only applicable to us at Monevo Limited and personal information which may be collected and obtained by us.
Monevo Limited may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website, please be aware that this privacy policy was last updated on the 4th May 2016. Please visit this policy on a regular basis to make sure you have read the latest version and you understand what we do with your information.
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.
Please contact us via the contact details provided within this website.
We may want to make contact with you at some point in order to keep you informed regarding offers on products or
services which we think you may find of interest, this contact will be made via telephone, email, sms, automated
messages or fax. Third parties may also wish to contact you from the information we have shared with them, any
information that is shared to third parties is completely trusted for the purpose it is specified for, third
parties may also use the same means of contact stated above.
Third parties could contact you as we may be
unable
to offer you the payday loan you are looking for this way; third parties may have a product or service to offer
you which potentially could suit your needs. If this is the case the third parties will pass your details onto a
lender, who may need to carry out a further credit check. Whilst the lender or third party will make contact
with you to confirm whether your application has been successful they will too have their own privacy policy and
recommend you refer to them, upon making your application, you will be requested to agree to their use of your
information.
If you register with us and have a question about our services, or alternatively choose to send an email to [email protected] we may also collect the above personal information/data in this instance in order for us to respond to your enquiry. We may also receive personal information 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.
Unless the customer states otherwise we will contact the customer via means of telephone, SMS, post and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from 3rd parties, which enables us to offer Identified potential customers 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.
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 we can ensure it is corrected. If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ paragraph).
Upon application to us we may use both fraud prevention 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 and fraud prevention agencies. Further information on fraud prevention agencies can be obtained from the Monevo Limited Compliance Manager. If you do choose to contact the 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 is usually 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:
1. Credit Reference Agencies (CRAs) - when this type of check is made a footprint will appear on your credit file, this can be seen by other lenders. CRAs will provide us with shared credit information, fraud prevention information and public information, this information will include the electoral register.
2. Fraud Prevention Agencies (FPAs) - when we assess your application we will also check customers identities in order to prevent fraud and crime against customers, this also includes money laundering. Monevo Limited may also make additional searches over periods of time with CRAs and FPAs, this ensures that our records are kept up to date with any vital information this information will then be used to ascertain whether to continue with your credit or any future credit that may be available. As we have an obligation to comply with responsible lending FPAs and CRAs assist us in doing so.
3. Joint Applications - If you the customer makes a joint application or you advise that you have a spouse or financial associate, your customer records will be associated and linked together this will ensure that the agreement has been made from both applicants to discuss and disclose information .A link will also be made with CRAs , the link will remain until one or both parts informs and applies with the CRA for a disassociation to end the link.
4. Information sent to CRAs - Information received by CRAs will be recorded by them. If after an application with us, you take out a loan. Activity and details of management of your account will be passed onto them. In the event that you take out a loan via us and fail to repay back the full funds required this will also be recorded with the CRA. In this case information may be passed onto other companies by CRAs and FPAs in order to locate and trace you in order to recover any outstanding debts. We must warn you that if this does occur then this will remain on your record for 6 years once a case has been closed by either settlement or default.
5. Inaccurate information provided by you - False or inaccurate information if given by yourself will be brought
to the attention of FPAs or other relevant companies who deal in fraud/crime prevention, the same applies to if
we suspect fraud or false or inaccurate information has been supplied . Any reported instances may also be
accessed by law enforcement agencies i.e. HMRC, regulatory bodies or the police for use to prevent any possible
fraud and money laundering for the following: Checking details on applications for credit and credit related or
other facilities;
6. Information recorded outside the UK - we may use and get access to information outside of the UK that has been recorded and reported by fraud prevention agencies.
7. Information/data usages for other purposes - if you have given permission for your information to be used for other purposes, in limited circumstances your information may be used for other purposes when required by law or under the terms of the Data Protection Act 1998.
Yes we may share your information with affiliates and partners, who may process the personal information/data
you, have provided to us; however this will only be for the purpose that this privacy policy specifies. In addition to the above we may also, on occasion, share your information/data with other parties who are not within our group; if they are not named in this policy we will seek your approval first. Information may be transferred to third parties which may
be located outside the European Economic Area. We will ensure that your personal information is protected to the
level of standards in accordance with the Data Protection Act 1998. If your information is shared with third
parties, we will instruct and state restrictions which will protect your information. Our third party partners
will also have their own privacy policies which we recommend that you refer to them.
If we do share your information with parties outside of our group this may be for the following reasons:
Monevo Limited recognises the importance of keeping personal information/data from a confidentiality and security
aspect; due to this we have introduced specialised rules, measures, introduced 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 only request further sensitive information online in certain circumstances so
please refrain from inputting sensitive information unless we state otherwise to do so.
Yes under certain circumstances you will be able to access the records we hold about you, if you request this information then we ask that you submit your request in writing to us along with a fee for £10. If you require information from separate affiliates then you will be required to request each in writing and pay separate fees for each request.
The amount of time we hold your information depends on the basis it was provided by you to us, please see the
following examples:
We may provide links to other websites via our website, if we do so then we cannot be held responsible for the other sites privacy policy as they will hold their own specific to them, this also applies to site content, practices they carry out and the services and products they may offer, all of which we cannot take any liability for.
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:
If you have any questions or concerns relating to our privacy policy then please send an email to our Compliance Manager at following address:[email protected]
Alternatively you can write to: Compliance Manager, Monevo Limited. Oxford House, Oxford Road, Macclesfield, Cheshire, England, SK11 8HS.
Monevo Limited (and associated trading names) will not carry out any credit checks on any customer upon registering to our services, however, Monevo Limited and the finance providers/lenders they work with may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer.
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