Privacy Policy

My Loan Search, Privacy Policy

My Loan Serach t/a myloansearch.co.uk (“EA”, “we”, “us”, or “our”) is strongly committed to protecting personal data. This privacy statement describes why and how we collect and use personal data and provides information about individuals’ rights. It applies to personal data provided to us, both by individuals themselves or by others. We may use personal data provided to us for any of the purposes described in this privacy statement or as otherwise stated at the point of collection.

Personal data is any information relating to an identified or identifiable living person. Echo Ads processes personal data for numerous purposes, and the means of collection, lawful basis of processing, use, disclosure, and retention periods for each purpose may differ.

When collecting and using personal data, our policy is to be transparent about why and how we process personal data. To find out more about our specific processing activities, please go to the relevant sections of this statement.

WHAT INFORMATION DO WE GATHER?

To be able to provide you with the best service possible, we will need to gather certain personal information from you when you contact or interact with us. We will also use this information for security, identification and verification purposes.

We will only ever collect information that helps us provide our services to you. We will keep your information for as long as is needed and only for the following purposes:

  • legitimate business activities
  • statutory or legal obligations
  • auditing and regulatory purposes

When you make an enquiry with us about any of the services we offer, we’ll ask you to provide some contact information. This may include some or all of the following:

  • full name
  • post code
  • landline and mobile phone number
  • email address

If you give personal information about someone else (such as a joint applicant), you must have their permission to do so.

Once we have gathered information from you and you subsequently make contact with us, we will use specific pieces of your information to help us identify you and verify that we are dealing with the right person.

Throughout your relationship with us, we will hold your personal information securely in our systems. This will include any information provided by you or others in various ways, including (but not limited to):

  • in applications, emails and letters, during telephone calls and conversations in our offices, when registering for services, in customer surveys, when you participate in competitions and promotions, when using our website, and during fact find reviews and interviews.me
  • from analysis (including the creation of profiles used to uniquely identify you when you use our online, mobile and telephony services) which are used to help us combat fraud and other illegal activity.

If there is a change to any of your personal information and you notify us, we will update your records in our systems. Where we have introduced you to another organisation, we are unable to update your details with them and you will need to contact them personally to notify them of these changes.

If someone gives information about you – or you give us details about someone else – we may add it to the personal information we already hold about you or them. This will only be used in the ways we describe in this privacy notice.

Third parties

Sometimes we may pass your information on to third parties who provide services to us. When we do this, it is on the understanding that they care for your information as carefully as we do, keep it confidential and use it only for the agreed purposes above.

Using our website

If you use our website, we will collect information about the devices you’re using – or ask third parties to do this for us. As this involves using technologies such as cookies, please read our Cookies policy.

Echo Ads is the sole owner of the information collected via our websites. We may use your data together with that of other users and this may be aggregated to build statistical and analytical tables. At no time will your data be individually identifiable in such tables.

When you visit our website, we collect certain data automatically. This may include (but isn’t limited to) the following:


  • how you connect to the internet (including your IP address)
  • how you use our site, for example your screen resolution and browser data stored on your device (such as cookies – see our Cookies policy for more on this) , or
  • information about the device software you use, such as your internet browser
  • location data such as the city or region of the IP address you used when accessing our online services.

Please remember, that whilst we have security measures in place to protect your personal information, the internet is not 100% secure. We cannot therefore guarantee the security of any information you send us online. We are also not responsible for any loss or damage you or others may suffer as a result of losing the confidentiality of your information.

Recording phone calls

To help us train our staff to provide a quality service, check that we have done what you asked us to do correctly and resolve any queries or issues, we record and monitor our phone calls with you. We also monitor phone calls for regulatory purposes and to help detect and prevent fraud and other crimes.

HOW DO WE USE YOUR PERSONAL INFORMATION?

We use your personal information in various ways.

The law requires us to comply with a number of regulations. Where necessary, we use your personal data to allow us to fulfil our legal and regulatory requirements.

If you choose to connect with a professional on our website by using our form, you will choose to provide us with personal information.

Where you input this information on behalf of a third party (for example where you are seeking professionals for care services on behalf of a relative) you must ensure that you have the authority and consent of the individual to whom the information you have chosen to provide belongs.

We store this information securely. We collect this information so we can find a professional who can help you with your enquiry. This is the service we provide and when you submit an enquiry we consider that we have a contractual obligation to provide this service. Where you input information on our website prior to submitting an enquiry we will treat such information as if you have submitted an enquiry and may use the information to contact you to enable you to complete your enquiry.

We will only share personal information with others when we are legally permitted to do so. When we share data with others, we put contractual arrangements and security mechanisms in place to protect the data and to comply with our data protection, confidentiality and security standards. We use third parties to help us run our business. To fulfil our contractual obligations, we may share your personal data with these third parties:

  • Financial Advisors
  • Mortagage Brokers
  • Will & Estate Planners
  • Pension Advisors
  • Loan Brokers
  • Insurance Brokers/Providers
  • Equity Realease Brokers
  • Estate Agents
  • TradesPerson

In order to supply you with a quote they may contact you by letter, telephone, email, text message or other electronic means.

Your personal data may be transferred to these authorised parties:

Third party organisations that provide IT services and applications, administrative functions and support.

We use third parties to support us in providing our services and to help provide, run and manage our internal IT systems. For example, providers of information technology, cloud based software as a service providers, identity management, website hosting and management, data analysis, data backup, security and storage services. The servers powering and facilitating that cloud infrastructure are located in secure data centres around the world, and personal data may be stored in any one of them.

Third party organisations that otherwise assist us in providing goods, services or information.

We use third parties acting on our behalf such as contractors, suppliers and/or agents (including, without limitation, customer care teams and processing centres) for the purposes of administration, income, credit and risk assessment, statistical research, marketing, product suitability and product sourcing in respect of products or services you have requested.

Auditors and other professional advisors.

We engage auditors and professional advisors to perform specific work that helps us meet our legal, regulatory and statutory responsibilities. Any auditors or professional advisors that we use will have contractual arrangements and security mechanisms in place to protect data and to comply with our data protection, confidentiality and security standards

Law enforcement or other government and regulatory agencies or to other third parties as required by, and in accordance with, applicable law or regulation.

We may use your information for fraud investigation, detection and prevention measures and in order /’to provide suitable security for your account and your information that we hold (such as to enable us to prevent others logging in to your account without your permission from unknown devices). We may also use your information for the investigation, detection and prevention of crime (other than fraud).

Occasionally, we may receive requests from third parties with authority to obtain disclosure of personal data, such as the police, regulatory bodies or legal advisors in connection with any alleged criminal offence, unlawful activity or suspected breach of the Terms of Use and or the breach of other terms and conditions or otherwise where required by law or where we suspect harm or potential harm to others. We will cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or location of or any other information about anyone breaching any relevant terms and conditions or otherwise for the prevention or detection of crime or the apprehension or prosecution of offenders. We shall not be obliged to give you any further notice of this.

Marketing

We will not share your information with third parties for marketing purposes.

If we have your consent, we will use your information to identify other products and services we offer that we believe you might want to know about. Sometimes we may contact you to take part in market research. If you take part, we’ll use any feedback you give us to improve the way we communicate with you and the service we offer. From time to time we may run prize draws, competitions, promotions and surveys. If you take part in these promotional activities, we’ll use the personal data you provide for these activities.

By knowing more about who our customers are we are able to improve the services we offer. We will use your data for reporting and analytical purposes. We will also collect data on how you use our website, so we can better understand your interests and improve its performance and our overall service.

Sometimes we may use performance tracking technology within our emails to capture information including (but not limited to) the time and date you open our emails and the type of device you used to open them. This allows us to know whether our emails are opened, and what links our customers click on within them. We use this information to improve the emails we send to you and the services we provide.

We may share any of the information we gather with other organisations (for example, mortgage lenders) to help them improve their own interactions with you. We won’t pass your data to any third parties for marketing purposes unless you have an existing relationship with them and you have given your consent for them to contact you in this way.

See our Cookies policy for more information about how we collect data about your online activity.

We use social media and are keen to understand our customers and what people are saying about us. We may use the information we gather to research public comments made on social networking sites such as Twitter and Facebook.

Resolving complaints and disputes

If we are informed that you may be dissatisfied with the service or advice we have provided you, we will use the information we have about you to help us resolve things for you.

Opting out

If you do not wish to receive information from us as explained above, you can update your preferences by contacting us as below:

In writing:

Marketing Department

Echo Ads

The 1812 Building

Wheatley Park

Mirfield