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Privacy Policy

This Privacy Policy will help you to understand how we use data on our website and what this means for you.

Get to know our API

The API we use is Monevo (Trading Name of Monevo Limited, Company Number 06511345). Monevo is a Data Controller responsible for the personal data we collect about you. Monevo is registered in England and Wales, Glasshouse, Alderley Park, Nether Alderley, Cheshire, SK10 4ZE. 

Monevo is an Appointed Representative of Quint Group Limited, on the Financial Services Register under reference number 723672. Quint Group Limited is authorised by the Financial Conduct Authority under reference number 669450.

What information will we collect?

We collect personal information about you from Credit Reference Agencies.

We will only be able to collect personal information about you if you provide us with the relevant information. We will only receive this information when you apply for a credit product via our application form, submit a form to download marketing materials, or give us feedback

Your website usage activity will be collected by cookies (if allowed). This could include your name, current and previous addresses, residential status, date of birth, email address, telephone numbers, employment status, income details, bank account and sort code, CRA data, IP address, device type and loan outcome data. Further information can be found in our cookies policy.

We do not collect sensitive or special category data.

How do we keep information safe?

To ensure your information remains private, we use advanced security software. If your information does need to be shared with a third party, we will ensure they follow the same advanced privacy rules.

How do we use your information?

How we use your information

More details

Laws we follow

Processing your application and introducing you to the relevant Credit Provider.

Validate your identity, access your credit history, contact you, and confirm your affordability.

This is necessary to ensure we can provide you with the services we offer (that you need).

To improve our business.

To carry out market product analysis, audience eligibility, website updates to meet your needs and improve our services.

This is necessary to help us improve our service and experience for customers.

To carry out marketing.

Sending you information about our service that might be of interest to you.

Consent & Legitimate interest.

To comply with legal obligations.

To detect and prevent fraud at any stage.

This is necessary for the legitimate interest of protecting our business and complying with legal obligations.

Sharing your information with other legitimate companies.

Laid out in this privacy policy.

Legitimate interest of developing our business

Who will we share your information with?

As part of your application for a loan, we will share your personal data with Monevo Limited (a regulated credit broker) who will then share your data with the members of its lender panel to try and find you a loan. Monevo may also share your personal data with TransUnion (formerly Callcredit) & other credit bureaus for the purposes of matching you to a lender. Full information as to how they process your personal data, and your rights can be found here

To deliver the appropriate service, we will need to share your information with the following third party data controllers/processors:

Credit Providers

Credit Providers including but not limited to:

118118 (

1Plus1 (

AA Loans (

Admiral (

Bamboo (

Believe Money (

Better Borrow (

Conduit (

Credit Spring (

Drafty (

Dot (

East Lancashire Moneyline (IPS) Ltd (

Everyday Loans (

Fernovo (

Fintern (

Finio Loans (

Fluent Money (

Fund Ourselves (

Guarantor My Loan (

Hastings Direct (

JN Bank ( )


Lendable (

Loans 2 Go (

Loqbox (

Lending Stream (

Lending Works (

Lifestyle Loans (

Likely Loans (

LiveLend (

M&S (

Match Me Car Finance (

Minty (

Mr Lender (

My Community Finance (

My Finance Club (

Novuna Personal Finance (

Oakbrook Loans (

One Stop Money Shop (

Oplo (

Plata (

Post Office (

QuidMarket (


Ratesetter (

Savvy (

Shawbrook Bank (

Sunny (

Tappily (

Tick Tock Loans (

Toot Loans (

Zilch (

Zopa (


Brokers including but not limited to:

Carfinance247 (

Choose Wisely (

CreditPlus (


Our Partners who introduced you to us.

Alternative Solution Providers

Debt Management and Individual Voluntary Arrangement (IVA) providers

Credit Referencing Agencies

TransUnion whose privacy policy can be found here 

Third party processors

Companies who provide services to us. They may process your personal information based on the instructions they receive from us.


Who might we share your information with?

For commercial gain, we might share your information with other reputable organisations. You, of course, have a legal right to object to your information being shared with these third parties. They may use your personal data for the following:



Laws we follow

Identity verification

For the purpose of age verification, debt collection,national security, crime prevention and detection, fraud prevention and anti-money laundering processes and asset reunification. 

Legitimate interest of developing our business & verifying an individual.

Credit and risk management

To assist a financial institution in enhancing and validating the data and information they hold about you.

Making an application with Monevo will not affect your credit score, but we will share your personal data with finance providers which they may use to make informed credit decisions in the future.

Legitimate interest of:

developing ours and the third parties’ business;

the third party being able to make informed credit decisions and validate and enhance the information they hold.


To assist a company you have a relationship with and/or other financial institutions with reporting services that may assist them with ascertaining affordability risk including financial vulnerability.

To assist companies in discharging their legal and regulatory obligations around affordability.

Legitimate Interest of developing our business and allowing the third party to make informed credit decisions.

Data improvement

To allow a company to reconnect with you and improve their database.

Legitimate interest of developing our business and allowing the third party to contact you.

Develop services

To carry out research such as analysis of market trends to develop our services.

Legitimate interest of developing our business and improving products based on market and audience trends.

Vulnerability identification

To assist companies in discharging their legal and regulatory obligations around both general and financial vulnerability.

Legitimate interest of: developing our business and allowing the third party to make informed decisions with regard to a consumer’s vulnerability.

Third parties that may use your personal data for the above purposes are listed below:

  • Debt collection agencies
  • Credit Referencing Agencies
  • Data aggregation companies
  • Data bureaux
  • Identity and Verification service providers
  • Tracing companies
  • Government agencies
  • Banks and other financial institutions
  • Gaming companies
  • Acuris Risk Intelligence
  • LexisNexis Risk Solutions
  • Crediva
  • Boylesport
  • Perch group
  • Scottish assets
  • Santander
  • Regency Gaming
  • Zopa
  • Stop go networks
  • Morgan Ash
  • GB Group plc
  • Newday Cards Limited
  • Arrow
  • Uncle Buck
  • H&T
  • Lending Stream
  • Direct Data Services (DDS) Ltd
  • Direct Select (192) Ltd Trading as UK Changes 

If we decide to sell, transfer, or merge the business, we may need to share your information. We will only share your information with parties that agree to keep your data private.

Will we send marketing materials?

We will only send direct marketing materials (such as emails) if you have given us your consent to do so. We will never contact you if there isn’t a legitimate interest to do so. You can opt out of marketing materials at any time.

Credit Searches

We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. We may also use credit-scoring methods to assess your application, verify your identity, debt tracing and the prevention of money laundering. 

We may periodically check and update your credit profile to provide you with up to date, relevant offers. This will not impact your credit score, credit worthiness or your ability to obtain credit.

International Transfers

Your personal information is stored on our secure servers in the UK. Your personal data may be accessed in the European Union, protected by the European data protection standards. By submitting your personal data, you’re agreeing to this transfer, storing or processing.

 If we transfer your information outside of the UK, we will take steps to ensure that appropriate security measures and safeguards are implemented.

How long will we keep your information for?

The length we hold your information for will depend on the reason it’s provided. We will never keep information indefinitely but will keep it for as long as required.

Your personal information from application forms will be kept for a minimum of six years. This is a requirement, as it will cover us if any complaints or disputes are raised. It will also ensure we oblige to your requests (e.g. not to send your marketing materials).

Where can you find the information we keep about you?

It is free to access the information we keep about you upon request. To request access to your information, please contact [email protected].

What are your rights?

You have the following rights regarding the processing of your personal data:

The right to be informed

You have a right to be informed about how your personal data is processed in an easily accessible manner. This is the purpose of this Privacy Policy.

The right of access

You have the right to have access to your personal data.

The right to rectification

You have the right to have your personal data rectified if it is incorrect or incomplete.

The right to erasure

You have a right to have your personal data erased and to prevent processing.

The right to restrict processing

You have the right to suppress the processing of your personal data. This does not stop the storing of your personal data, as it may be required to restrict processing in the future.

The right to data portability

You have the right to obtain and reuse your personal data for your own purposes across different services.

The right to object

You have the right to object to processing based on legitimate interests.

The right to object decision making

You have a right to object to automated decision making.

The right to withdraw consent

If you have a right to withdraw consent at any time, including the removal of consent to be contacted for marketing purposes.

The right to lodge a complaint

You have the right to lodge a complaint with us directly or a supervisory authority.

Do we use cookies?

When on our website, the pages you visit will download cookies to your computer. Cookies enable us to measure and assess behaviour, allowing us to offer a better service. Monevo uses cookies to help us analyse the traffic on our site and customer behaviour. Cookies may also be used to understand marketing and traffic patterns.

We will not store anything that will make you identifiable. You can change your cookie settings on your browser. Our website might not be able to perform as well without cookies.

Changes in this privacy policy

Check this page regularly to keep up to date with any changes made in this privacy policy.

How can we be contacted?

Please send an email to our Compliance Team at: [email protected], or our Data Protection Officer at [email protected] if you have any questions. Alternatively, you can write to our Compliance Manager or Data Protection Officer at the following address: Monevo Limited, Glasshouse, Alderley Park, Nether Alderley, Cheshire, SK10 4ZE.