What we collect. Why we need it. Where it goes.

Who is responsible

Who is responsible for your information?

PJG Financial Limited is the data controller for information collected directly through UKPayday.

Legal entity

PJG Financial Limited

Company number

SC535782

Registered office

5 South Charlotte Street, Edinburgh, EH2 4AN

FCA firm reference number

919697

ICO registration number

ZB537016

Email

help@ukpayday.co.uk

When your information is passed to another broker, lender or service provider, that organisation may become a separate data controller. Its own privacy policy will explain how it uses your information.

What we collect

The information we collect

The information collected depends on how you use UKPayday.

Information about you

This may include:

• Your name, title and date of birth
• Your address and address history
• Your residential status
• Your marital status and number of dependants
• Your email address and mobile number

Information about your application

This may include:

• The amount you would like to borrow
• Your preferred repayment term
• Your reason for borrowing
• When you applied
• The outcome of the matching process
• The lender or broker to which you were introduced

Employment and income information

This may include:

• Your employment status
• Your employer, industry and length of employment
• Your monthly income
• Any benefits or other regular income
• How often you are paid
• Your next payment dates

Spending and existing credit

This may include information about:

• Rent or mortgage payments
• Food and household spending
• Energy and utility costs
• Travel and transport
• Loans, credit cards and other credit commitments
• Other regular expenses

Bank information

This may include:

• Your bank account number
• Your sort code
• The type of bank account you hold
• Whether you have a debit card

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

UKPayday does not require you to upload documents as part of our initial service. A lender may later ask for bank statements, payslips or other evidence before making a lending decision.

Website and device information

When you use the website, we may collect:

• Your IP address
• Your browser and device type
• Your operating system
• Pages you visit
• Links and buttons you use
• The website that referred you
• Cookie and consent choices
• Technical errors and security information

Information you send to us

If you contact us, we may keep:

• Your email or letter
• The information you provide
• Our response
• Notes about how your enquiry was handled
• Records relating to complaints or data requests

How we collect it

How we collect your information

We collect information:

• Directly from you when you complete our form
• When you contact us
• Automatically through cookies, security logs and similar technology
• From T Dot UK Limited, lenders or brokers about an introduction
• From fraud-prevention or identity-verification services where necessary
• From regulators, public bodies or professional advisers where legally permitted

If you do not provide the required application information, we may be unable to check for a potential match.

Lawful basis

How we use your information

We only use personal information where we have a lawful reason.

To provide the service you requested

We use your information to:

• Process your application
• Check for a potential match
• Pass your application to T Dot UK Limited
• Introduce you to a participating lender or broker
• Tell you the result
• Respond to questions about your application

Our lawful basis is normally that the processing is necessary to take steps at your request and provide our credit-broking service.

To protect customers and our business

We may use information to:

• Confirm that applications appear genuine
• Detect or investigate fraud
• Prevent misuse of the website
• Protect our systems
• Establish, exercise or defend legal claims

We rely on our legitimate interests in operating a safe and secure service.

To meet legal and regulatory requirements

We may use or retain information to:

• Keep regulatory records
• Handle complaints
• Respond to the Financial Conduct Authority, Information Commissioner’s Office or Financial Ombudsman Service
• Identify and support customers who may need additional help
• Comply with lawful requests
• Demonstrate that customers were treated fairly

Our lawful basis is compliance with our legal and regulatory obligations.

To operate and improve the website

We may use technical and usage information to:

• Keep the website working
• Identify security issues
• Fix errors
• Understand how the website is used
• Improve our forms and content
• Produce anonymous statistics

We rely on legitimate interests for essential operation and security. We ask for consent before using non-essential cookies where required.

To send marketing

We may contact you about relevant products or services by email, SMS, WhatsApp or telephone if you have made the required marketing choice.

The form will explain:

• Which organisations may contact you
• The types of products involved
• The contact methods covered by your choice

Marketing consent is not required to use our application service.

You can withdraw your consent at any time by:

• Using the unsubscribe link in an email
• Following the opt-out instructions in a text
• Asking a caller to stop
• Emailing help@ukpayday.co.uk

Withdrawing consent does not affect processing that took place before you withdrew it.

We may retain a limited suppression record after you opt out so that we do not contact you again.

Who sees it

Who receives your information?

T Dot UK Limited

As part of your application, you may be referred to T Dot UK Limited. Their privacy policy and information about how they collect, use and store personal data can be found here: https://t.uk/b-privacy/.

T Dot UK Limited is an FCA-authorised credit broker and becomes responsible for how it uses the information it receives.

It may use an automated system to determine the order in which your application is presented to participating lenders and brokers.

Participating lenders and brokers

Your application may be passed to one or more participating lenders or brokers so they can decide whether they may be able to consider you.

They may use your information to:

• Check your identity
• Assess eligibility
• Consider affordability and creditworthiness
• Prevent fraud
• Contact you about your application
• Make a lending or referral decision

The lender makes the final decision. UKPayday does not approve applications, set interest rates or provide the money.

Each organisation is responsible for its own use of your information. You should read its privacy policy before continuing.

Credit-reference and fraud-prevention agencies

A participating lender or broker may use credit-reference or fraud-prevention agencies.

The eligibility process may include a soft credit search. A soft search does not affect your credit score.

If you continue with a formal application, the lender may complete a hard credit search. A hard search is recorded on your credit file and may affect your score.

UKPayday does not make the final credit decision.

Companies that help us operate UKPayday

We may use trusted suppliers for:

• Website hosting
• Application transmission
• Secure data storage
• Cybersecurity
• Email delivery
• Customer support
• Consent management
• Website analytics
• Regulatory compliance
• Legal, accounting or professional advice

Suppliers acting on our behalf may only use information for the services they provide to us.

Regulators and public authorities

We may disclose information to:

• The Financial Conduct Authority
• The Information Commissioner’s Office
• The Financial Ombudsman Service
• Courts and law-enforcement agencies
• HM Revenue & Customs
• Other public authorities where required or permitted by law

Changes to our business

If PJG Financial Limited is sold, reorganised or merged, relevant information may be shared with advisers and a prospective or new owner. The information must continue to be used lawfully.

Automated decisions

Automated matching and lending decisions

Systems may use the information in your application to decide which lender or broker may receive it and the order in which matching attempts are made.

UKPayday does not use this process to decide whether you should receive a loan.

A participating lender or broker may use automated decision-making or profiling when assessing your application. Its privacy policy should explain:

• What information it uses
• How its decision is made
• What the decision could mean for you
• Whether you can request a human review
• How you can challenge inaccurate information

Contact the relevant lender or broker if you want to question its decision. If you are unsure which organisation received your information, contact us.

Sensitive data

Sensitive information

Our standard application does not ask for information about your ethnicity, religion, political opinions, sexual orientation or criminal convictions.

Information about benefits or financial circumstances may sometimes reveal or suggest information about your health or vulnerability. You may also choose to provide sensitive information when requesting support or making a complaint.

We will only use sensitive information where it is relevant, necessary and permitted by law.

Please do not send sensitive information unless it is needed to deal with your request.

Retention

How long we keep information

We do not keep personal information indefinitely.

Application, referral and general enquiry information is normally retained for up to 12 months from your last interaction with us.

We may keep information for longer where necessary to:

• Meet a legal or regulatory requirement
• Handle or defend a complaint
• Investigate fraud
• Establish or defend a legal claim
• Respect a marketing opt-out
• Respond to a regulator or public authority

When information is no longer needed, we delete it or remove identifying details so it can no longer be linked to you.

Other organisations that receive your information will apply their own retention periods.

Security

Keeping your information secure

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

• Unauthorised access
• Accidental loss
• Unlawful disclosure
• Alteration
• Misuse

Access is limited to people and suppliers who need the information for a legitimate purpose.

No online service can guarantee complete security. If a personal-data breach occurs, we will investigate it and notify affected people and the ICO where required by law.

Overseas

Transfers outside the UK

Some technology providers may process information outside the UK.

Where UK data-protection rules apply, we require an approved safeguard. This may include:

• Processing in a country recognised as providing adequate protection
• Approved contractual clauses
• The UK International Data Transfer Agreement
• The UK Addendum to approved contractual clauses
• Another protection permitted by law

You can ask us for more information about safeguards relating to your information.

Your rights

Your rights

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

• Ask whether we hold information about you
• Receive a copy of your information
• Correct inaccurate or incomplete information
• Ask us to delete information
• Restrict how information is used
• Object to certain processing
• Receive eligible information in a portable format
• Withdraw consent
• Challenge certain automated decisions
• Complain about how your information has been handled

These rights are not absolute. We may need to retain information where there is a legal or regulatory reason.

You can object to direct marketing at any time. We will stop using your information for that purpose.

Data requests

Making a data request

Email help@ukpayday.co.uk with the subject “Data protection request”.

We may ask for enough information to confirm your identity. This protects your information from being given to the wrong person.

There is normally no charge. We will respond without undue delay and normally within one month. Complex or multiple requests may take longer where the law permits.

A request sent to UKPayday only covers information controlled by PJG Financial Limited. You may need to contact T Dot UK Limited, a lender, another broker or a credit-reference agency separately.

Complaints

Making a data-protection complaint

Email complaints@ukpayday.co.uk with the subject “Data protection complaint”.

Please explain:

• What happened
• Which information was involved
• When it happened
• How it affected you
• What you would like us to do

We will acknowledge your complaint within 30 days, take appropriate steps to investigate it without undue delay, keep you informed and tell you the outcome.

You can also complain to the Information Commissioner’s Office.

You do not need to contact us before complaining to the ICO.

Cookies

Cookies

Cookies are small files placed on your device.

We use necessary cookies to operate and protect the website. Where required, we ask for consent before using analytics, advertising or other non-essential cookies.

You can reject or change non-essential cookie choices without preventing the basic website from working.

Read our separate Cookie Policy for details of the cookies used, their providers, purposes and duration.

Other sites

Other websites

UKPayday may link to websites operated by lenders, brokers, advisers or other organisations.

Once you leave our website, the other organisation controls its website and use of your information. Read its privacy policy before providing further information.

Age

Age restriction

UKPayday is intended for UK residents aged 18 or over.

We do not knowingly accept applications from children. Contact us if you believe someone under 18 has provided personal information through the website.

Updates

Changes to this policy

We may update this policy if:

• Our service or application process changes
• We appoint a new provider
• Our panel arrangements change
• The law or regulatory guidance changes
• We change how information is used

The latest version will appear on this page with its updated date. We will explain significant changes before using information for a new purpose.

Get in touch

Contact us

Email: help@ukpayday.co.uk

Company number

SC535782

FCA firm reference number

919697

ICO registration number

ZB537016