Privacy notice

At Everything Financial we are committed to protecting and respecting your privacy.

This Privacy Notice (“Notice”) explains when, why and how we collect personal information about people who visit our website, contact us for our services (such as in respect of loans) or apply for a vacancy with us.

We may change this Notice from time to time so please check this page regularly to ensure that you're happy with any changes. This Notice was last updated on 31st October 2024.

Who are we?

We are Everything Financial a trading name of Everything Financial Technologies Limited. Everything Financial Technologies Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) with a firm reference number of 964790. We are registered in England and Wales with a registration number of 08760331 and a registered address at Future Space, UWE North Gate, Filton Road, Bristol, BS34 8RB.

We are a data controller and are registered with the Information Commissioner's Office with a registration number of ZB511287.

Our website and services are only available for people aged 18 or over.

When and how do we collect personal information from you?

We obtain information about you when you use our website, contact us (e.g., when you submit your details to obtain a quote for a loan or mortgage), apply for a vacancy with us or are a member of staff with one of our third party suppliers or partners.

We may also collect personal information about you from other third parties that refer your details to us or publicly available sources such as credit reference agencies, lenders, couriers, third party and partner websites.

What type of personal information is collected from you?

You are a website user:

The personal information we collect will include your IP address and information regarding what pages are accessed and when.

You are a potential or existing customer seeking personal or other lending products

The personal information we collect will include your name, address, email address, IP address, mortgage information, employment information, financial commitments and information regarding what pages are accessed and when.

You are a candidate applying for a vacancy:

The personal information we collect will include your name, address, email address, IP address, employment information, and information regarding what pages are accessed and when (in the instances where you apply for a vacancy through our website).

You are a member of staff with our third-party suppliers or partners:

The personal information we collect will include your name, address, email address, telephone number, IP address and information regarding what pages are accessed and when.

How do we use your personal information?

We use your personal information in several ways including:

• To enable you to use our services
• To personalise and improve our services
• To communicate with you regarding our services
• To ensure compliance with your requests to exercise your rights
• To engage with you for the services of your organisation (where you are a member of staff with our third-party suppliers or partners)
• To track sales and/or market research
• To consider your suitability for a role with us

What is our lawful basis for processing your personal information?

We ensure that we have appropriate legal bases on which to collect, use and share data about you.

Our lawful bases may include:

• Consent (where you have given consent) - We will always seek your consent to process certain types of information e.g., special category data, where we have a legal requirement to do so. You have the right to withdraw or decline your consent at any time. We use consent to initially engage with you to discuss your requirements including to confirm in which form we may communicate with you.
• Contract (where we are considering enter into a contract or have agreed and are performing a contract with you) - This would be e.g., when we are considering employing you in our organisation or engaging with you as a third party supplier or partner.
• Compliance with our legal obligations - This would be e.g., to respond to enquiries and complaints.
• Our own legitimate interests (or the legitimate interests of a third party or partner) - We may process your personal data for the purposes of our own legitimate interests or for the legitimate interests of our third party suppliers or partners provided that such processing does not outweigh your interests e.g., we may process your personal data to -
• Keep our records up to date
• Provide you with our services, including for the purpose of quality control and analysis
• Develop and improve our products and services
• Communicate and manage our relationship with you
• Deliver relevant website and advertisement content to you
• Administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
• Measure or understand the effectiveness of the advertising we serve to you
• Use data analytics to improve our website, services, marketing, customer relationships and experiences.

When we rely on our legitimate interests for processing your personal data, you have the right to object and withdraw your consent where we are using your personal data for direct marketing purposes.

Please contact us if you have any questions about the lawful bases on which we collect and use your personal data.

Who do we share your personal information with and how is it used?

Third party suppliers and partners:

We may pass your personal information to our third-party suppliers or partners, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (e.g., hosting the website that you have used to access this Notice).

However, when we use third party suppliers or partners, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own purposes. In particular, please be reassured that we will not release your information to third parties beyond Everything Financial for them to use for their own purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime.

Third party brokers and lenders and other product or service providers we work in association with:

We work closely with various lenders, credit/mortgage brokers and eligibility providers who can bring you a range of lending products designed to meet your needs whose products and services are included on our website.

To display loan options to you, we will send your personal information to these third parties so that they can generate a quote for us to display. When these organisations use your information in this way, they will be acting as data controllers of your personal information which means they are responsible for processing your data and we are not responsible for this.

To provide you with our eligibility service, your personal information will be sent to our panel of eligibility providers so that they can show you which loans that you’re most likely to be accepted for.

If you click through to any of the third-party websites, we work with and/or if you decide to purchase a product from a third party then they will be data controllers of your personal information and you should read their own privacy notice or statement which you should find on their website.

Credit reference agencies:

We help customers obtain finance by a number of means. To get a picture of your true credit position, we may access and conduct a soft credit search of your credit file with a Credit Reference Agency (“CRA”) and in order to provide certain services to you, we may share your information with such CRA's. We believe in informing customers at all stages about searches we carry out and we will seek your permission to complete these when they become necessary. If you choose to apply for a product, the lender will undertake a full credit check and provide you with further privacy information for that product and their service.

If you have any questions on your credit reference data, please refer to: https://ico.org.uk/media/for-thepublic/documents/1282/credit-explained-dp-guidance.pdf

If you wish to know how the credit reference agencies will treat your data, please see their policies via these links:

Equifax - https://www.equifax.co.uk/crain/

TransUnion - https://www.transunion.co.uk/crain/

Experian - https://www.experian.co.uk/crain/

Lending products:

These products include:

• Personal loans (unsecured loans)
• Hire purchase (vehicle finance)
• Conditional sale (vehicle finance)
• Salary based personal loans (unsecured)
• Revolving credit

When you make a loan enquiry on this site, we may identify that one or more of these products is suitable, we or the relevant credit broker and provider of lending products will use your details to provide you with information and carry out their obligations arising from any application or contract you enter into with them. These organisations will be acting as a data controller of your information and therefore we advise you to read their privacy notice or statement. These organisations may share your information with us which we will use in accordance with this Notice.

Secured lending products:

These products include:

• Homeowner loans (secured loans/2nd mortgage loans)
• Mortgages

When you make a loan enquiry to compare these types of products, we may refer you to the third party listed in the table below. This company will be acting as a data controller of your information and therefore we advise you to read their privacy notice which is provided in the link below. This company may share your information with us which we will use in accordance with this Privacy Notice.

Other third parties and organisations:

• Technology and software companies - which provide desktop and cloud-based products that are used for our business operations.
• Professional advisers such as surveyors and law firms - to check the progress of your application with whom you are interacting and to assist us in our business affairs.
• Regulators and governmental authorities - as we are required to provide it to them upon request in order to comply with laws and regulations to which we are subject to (e.g., FCA).

What are your rights?

You have certain rights under data protection legislation. These include:

1. Access to your personal information

You have the right to request from us a copy of the personal information that we may hold on you and examples of copies of this personal information. You can request this personal information by contacting us as set out below. Before providing this personal information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the personal information and ensure that we're only providing it where you have given your agreement.

2. Right to have your personal information corrected

If the personal information we hold about you is incorrect you have the right to request that we correct this. The accuracy of your personal information is important to us. We’re working on ways to make it easier for you to review and correct the personal information that we hold about you. In the meantime, if you change email address, or any of the other information we hold is inaccurate or out of date, please email us at hello@everythingfinancial.co.uk or by writing to Everything Financial Technologies Ltd at Future Space, UWE North Gate, Filton Road, Bristol, BS34 8RB, UK. Alternatively, you can telephone Everything Financial Customer Services on 0333 1555 1073.

3. Right to stop or limit the processing of the personal information we carry out

You have the right to stop us from using your personal information or limit the way in which we process your personal information. You may also request that your personal information is deleted. There may be occasions where we are unable to delete the personal information due to our legal or regulatory obligations however, we will explain this with you if you request for your personal information to be deleted.

4. Request for personal data portability (transferring your data)

In some cases, you may be able to request for your personal information to be provided to yourself or another organisation in a format that can be processed electronically by yourself or the other organisation. If you want to request this, you'll need to contact us, and we may ask for proof of identity or ask sufficient questions to enable us to locate the personal information and ensure that we’re only providing this personal information where you have given your consent to do so.

Use of "cookies"

Like many other websites, the Everything Financial website uses cookies. “Cookies” are small pieces of information sent by an organisation to your computer and stored on your hard drive to allow that website to recognise you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual. This helps us to improve our website and deliver a better more personalised service. It is possible to switch off cookies by setting your browser preferences. Turning off cookies may result in a loss of functionality when using our website.

Links to other websites

Our website contains links to other websites run by other organisations. This Notice applies only to our website, so we encourage you to read the privacy notices or statements on the other websites you visit. We cannot be responsible for the privacy notices or statements and practices of other sites even if you access them using links from our website.

In addition, if you linked to our website from a third-party site, we cannot be responsible for the privacy notices or statements and practices of the owners and operators of that third-party site and recommend that you check the privacy notice or statement of that third-party site.

How do we store your personal information?

We keep your information in line with our data retention policies and procedures. To determine the appropriate retention period for your personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorised use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you (although, of course, we really don't want to be in that situation).

How do we transfer your personal information outside of the UK and EEA?

We ensure that personal information is transferred safely and securely at all times. Whenever your Personal Data travels outside of the UK and/or the EEA, we ensure that it’s protected by putting in one of the following safeguards:

• We will only transfer your personal information to countries that have been deemed to provide an adequate level of protection for personal information as endorsed by the ICO and identified and determined by the European Commission.
• We will only transfer your personal information where we have entered into specific contracts with an organisation outside of the UK and/or the EEA which states that they will ensure that your personal data has the same level of protection as if it were in the UK and/or the EEA.

If you want to find out the specific mechanism used when transferring your personal information out of the UK and/or the EEA, please get in touch with us.

How can you contact us?

Any questions regarding this Notice, our privacy practices or about exercising your rights should be sent by email to hello@everythingfinancial.co.uk or by writing to Everything Financial Technologies Ltd, Future Space, UWE North Gate, Filton Road, Bristol, BS34 8RB, UK. Alternatively, you can telephone Everything Financial Customer Services on 0333 1555 1073.

How can you complain?

If you have any concerns about our use of your personal information, you can make a complaint to us using the contact details above. You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO's address:
Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk