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Privacy Policy

This policy explains how LoansForBadCreditUK.co.uk collects, uses and shares your personal information.

LoansForBadCreditUK.co.uk is operated by PJG Financial Limited. PJG Financial Limited is the data controller responsible for the personal information collected through this website and our credit broking service.

ControllerPJG Financial Limited
FCA reference919697
ICO registrationZB537016
RoleCredit broker, not a lender

The key points

  • We are a credit broker, not a lender.
  • We use your information to search a panel of lenders and credit brokers.
  • Your application may be shared with selected panel members to look for a potential match.
  • A soft credit search may be used during the matching process.
  • A lender may conduct a hard search if you continue with a formal application.
  • Marketing permission is separate from your request to use our service.
  • You can ask us about your information and who received it.

1. Who we are

LoansForBadCreditUK.co.uk is operated by:

PJG Financial LimitedCompany number: SC535782Registered office: 5 South Charlotte Street, Edinburgh, Scotland, EH2 4ANFCA firm reference number: 919697ICO registration number: ZB537016

PJG Financial Limited is authorised and regulated by the Financial Conduct Authority for credit broking. We are a credit broker, not a lender, and do not make lending decisions.

2. Information we collect

The information collected depends on how you use the website.

Information supplied in a loan enquiry

This may include:

  • Your name and date of birth
  • Your email address and telephone number
  • Your current and previous addresses
  • Your residential status
  • The amount you wish to borrow
  • Your reason for borrowing
  • Your employment status and employment details
  • Your income and how often you are paid
  • Your regular household spending and credit commitments
  • Bank or payment information requested by the application form
  • Information about your credit circumstances
  • Your marketing preferences
  • Other information you choose to provide

We will never ask for your online banking password, card PIN or one time security code.

Information collected when you contact us

We may collect:

  • Your contact details
  • Your application reference
  • Copies of messages and correspondence
  • Details of an enquiry, complaint or data rights request
  • Evidence supplied to help us investigate a matter

Please do not send medical or other sensitive information unless it is relevant and necessary.

Technical information

When you use the website, we may collect:

  • Your internet protocol address
  • Device and browser information
  • Pages visited and actions taken
  • Dates and times of visits
  • Referral information
  • Cookie choices
  • Security and error logs

More information is available in our Cookie Policy.

3. Where we obtain information

Most information is collected directly from you when you:

  • Complete or submit an application form
  • Contact us
  • Make a complaint
  • Exercise a data protection right
  • Choose your cookie or marketing settings

We may also receive information from:

  • Participating lenders and credit brokers
  • Credit reference agencies
  • Fraud prevention and identity verification services
  • Website, communications and analytics providers
  • Public sources where checking the information is lawful and necessary

4. How we use your information

We may use your information to:

  • Provide the credit broking service you requested
  • Compare your details with panel criteria
  • Search for a lender or broker that may consider your application
  • Pass your application to selected panel members
  • Carry out or arrange an eligibility or soft credit search
  • Redirect or introduce you to a potential finance provider
  • Communicate about your application
  • Verify identity and help prevent fraud
  • Keep the website secure and working correctly
  • Handle enquiries, complaints and data rights requests
  • Maintain records required for legal and regulatory purposes
  • Measure and improve the website
  • Send marketing where you have actively agreed to receive it
  • Establish, exercise or defend legal claims

We do not make the lender’s final credit decision or set the interest rate and loan terms offered to you.

5. Our lawful bases

UK data protection law requires us to have a lawful basis for using personal information.

Providing the broker service

We use information to take steps at your request and provide the loan matching service you have asked us to perform.

Where we specifically ask for consent to conduct a soft search or share information for matching, we also rely on that consent.

Legal and regulatory duties

We process information where necessary to comply with obligations applying to an FCA authorised credit broker, respond to lawful requests and maintain required records.

Legitimate interests

We may rely on our legitimate interests to:

  • Operate and secure our service
  • Prevent and investigate fraud
  • Maintain accurate business records
  • Understand and improve website performance
  • Handle enquiries and defend legal claims

We consider whether these interests could unfairly affect your rights before relying on them.

Consent

We rely on consent for:

  • Direct marketing where consent is required
  • Nonessential cookies and similar technologies
  • Other optional processing that is clearly explained when consent is requested

You can withdraw consent at any time. Withdrawal does not affect processing completed before consent was withdrawn or processing supported by another lawful basis.

6. Who we share information with

Lenders and credit brokers

We may share an application with one or more participating lenders or credit brokers to search for a potential match.

A panel member receiving your application will normally become a separate data controller. It will use your information under its own privacy policy and legal responsibilities.

Where a possible match is found, we will tell you the identity of the relevant partner before, or at the moment, you continue to its service.

You can contact us to ask which organisations received your application.

One of the organisations that receives applications made through this website is T Dot UK Limited, a credit broker. When you ask us to search the panel, the information in your application is sent to T Dot UK Limited, which uses it to search its panel of lenders and brokers for a possible match. It handles that information as a separate data controller under its own privacy notice, which you can read at t.uk/b-privacy.

Credit reference and fraud prevention agencies

Information may be supplied to credit reference agencies, fraud prevention agencies and identity verification providers where this is necessary to check eligibility, verify information or prevent fraud.

These organisations may act as separate data controllers and will have their own privacy notices.

Companies supporting our service

We may use carefully selected providers for:

  • Website hosting
  • Application processing
  • Customer relationship management
  • Email, telephone and text communications
  • Website security
  • Analytics and performance measurement
  • Professional, legal and compliance support

These providers may process information only for the agreed purpose and under appropriate contractual controls.

Regulators and public authorities

We may disclose information to the FCA, ICO, police, courts, tax authorities, law enforcement agencies or another authorised body where required or permitted by law.

Business changes

If our business or relevant assets are sold, reorganised or transferred, information may be disclosed to professional advisers and the proposed new owner where lawful and necessary. Appropriate confidentiality and data protection controls will apply.

7. Do we sell personal information?

We do not sell personal information for unrelated advertising.

Our business earns money through introductions. We may receive a commission for the introduction to lending and brokering partners.

Providing the matching service requires us to share application information with selected finance partners. This sharing is explained in this policy and when you apply.

8. Credit searches

A soft credit search may be conducted while searching for a potential match. A soft search is normally visible to you on your credit report but is not visible to other lenders and does not directly affect your credit score.

If you continue with a formal application, the lender may conduct a hard credit search. A hard search is recorded on your credit file and can be seen by other lenders.

The lender or broker should explain its search before you continue. Its own privacy policy will apply to its use of your information.

9. Automated matching and decisions

Our technology may automatically compare details from your application with criteria supplied by participating lenders and brokers.

This matching may consider information such as:

  • The amount requested
  • Age and UK residency
  • Income
  • Employment status
  • Residential status
  • Regular spending
  • Existing credit commitments
  • Criteria supplied by panel members

Our matching process does not approve or decline the loan and does not determine the final rate or terms.

A lender or another broker may use its own automated systems when assessing your application. Contact that organisation directly for information about its decision and your rights.

10. Marketing

Using our loan matching service does not automatically mean that you have agreed to receive marketing.

We will send marketing by email, text message or telephone only where we have a valid legal basis and any consent required under electronic marketing rules.

Where consent is requested:

  • The wording should clearly explain the communication methods
  • The choice must not be preselected
  • Refusing marketing must not prevent use of the broker service
  • A record of the choice should be retained

You can stop marketing by:

  • Using the unsubscribe option in an email
  • Following the instructions in a text message
  • Telling a caller that you do not want further marketing
  • Contacting us through our Contact page

We may retain limited information on a suppression list so that we remember not to contact you again.

Messages needed to process an application or answer an enquiry are service communications rather than marketing. Opting out of marketing will not stop necessary service messages.

A lender or broker receiving your application is responsible for its own marketing. Review its privacy notice and contact it directly to change its marketing preferences.

11. Cookies

The website uses cookies and similar technologies.

Essential cookies may be used without consent where they are necessary to:

  • Operate the application
  • Maintain security
  • Remember privacy choices
  • Provide requested website functions

Analytics, advertising and other nonessential cookies must remain blocked until the visitor has made a valid choice.

Visitors must be able to accept or reject nonessential cookies and change their choice later through a clearly visible cookie settings link.

The Cookie Policy must identify the actual cookies and providers in use, their purposes and how long they remain on a device.

12. How long we keep information

We keep personal information only for as long as it is needed for the purpose for which it was collected.

The period can depend on:

  • Whether an application was completed
  • Whether an introduction was made
  • Legal and regulatory record keeping requirements
  • Complaint and dispute time limits
  • Fraud prevention requirements
  • Whether information is needed for a legal claim
  • Whether marketing consent remains valid

Application and introduction records are reviewed under our internal retention schedule. They are deleted or anonymised when no longer required.

Marketing information is kept until consent is withdrawn or the information is no longer required. We may retain a minimal suppression record after an opt out.

Cookie periods are explained in the Cookie Policy.

You can contact us to ask about the retention period applying to your information.

13. International transfers

Some technology providers may store or access information outside the United Kingdom.

Where a restricted international transfer takes place, we use a method recognised by UK data protection law. This may include:

  • Transfer to a country covered by UK adequacy regulations
  • The UK International Data Transfer Agreement
  • The UK Addendum to approved contractual clauses
  • Another lawful safeguard

You can contact us for further information about safeguards applying to your information.

14. How we protect information

We use appropriate technical and organisational measures designed to protect personal information.

These include measures relating to:

  • Encryption
  • Access controls
  • Staff and supplier access
  • System monitoring
  • Secure transmission
  • Incident management
  • Supplier contracts
  • Data minimisation

No website or transmission method can be guaranteed as completely secure. You should contact us promptly if you believe information submitted through the website has been compromised.

15. Your data protection rights

Depending on the circumstances, you may have the right to:

Access
Ask for a copy of the personal information we hold about you, together with details of why we hold it, who we have shared it with and how long we will keep it. This is called a subject access request. It is normally free of charge, and we will respond within one month of confirming your identity. We may charge a reasonable fee, or refuse, only where a request is clearly unfounded or excessive.
Correction
Ask us to correct information that is incomplete or inaccurate.
Deletion
Ask us to delete your information. This is called the right to erasure. It applies where the information is no longer needed for the purpose it was collected, where you withdraw consent and there is no other lawful basis, where you object and we have no overriding reason to continue, or where it was processed unlawfully. It does not apply where we must keep the information to meet a legal or regulatory obligation, such as our record keeping duties as an FCA authorised firm. We will tell you if that is the case, and for how long.
Restriction
Ask us to limit how information is used in certain circumstances.
Objection
Object to processing based on legitimate interests and object at any time to direct marketing.
Portability
Ask for certain information you supplied to be provided in a reusable electronic format.
Withdraw consent
Withdraw consent where consent is the lawful basis for processing.
Rights relating to automated decisions
Ask for information about a decision based solely on automated processing where it produces a legal or similarly significant effect.

These rights are not absolute. We may need to retain or continue processing information where the law permits or requires it.

We may ask for information to confirm your identity before acting on a request. We will not request more information than is reasonably necessary.

16. How to exercise your rights

Use the email address or form shown on our Contact page, or write to:

PJG Financial Limited5 South Charlotte StreetEdinburghScotlandEH2 4AN

Tell us:

  • Your name
  • The contact details used in your application
  • Your application reference, if known
  • The right you wish to exercise
  • Enough information for us to understand the request

Do not send passwords, card PINs or security codes.

17. Complaints about personal information

Contact us first if you are concerned about how your information has been handled. We will investigate the concern and explain our response.

You also have the right to complain to the Information Commissioner’s Office:

Make a data protection complaint to the ICO

Complaining to us first does not remove your right to contact the ICO.

A complaint about a lender’s use of personal information should normally be sent directly to that lender.

19. Applicants must be adults

Our loan matching service is intended for people aged 18 or over. We do not knowingly provide the service to children.

Contact us if you believe a child has submitted personal information through the website.

20. Changes to this policy

We may update this policy when our service, partners, technology or legal obligations change.

The current version will always be published on this page with its latest revision date. Where a change materially affects how existing information is used, we will provide any additional notice required by law.

We may receive a commission for the introduction to lending and brokering partners. You can ask us for the amount, or likely amount, of commission relating to a proposed agreement before entering into it.