Privacy Policy

Who we are?

Payday UK is a registered trading name of Payday Loans Ltd who are an appointed representative of Flux Funding Limited, who are a credit broker, not a lender. Registered in England and Wales (Company number 12430457 / FRN 921539). Registered with the Information Commissioner’s Office (registration number ZA654345). Registered Office: Payday Loans Ltd, The Charter Building, Charter Place, Uxbridge, UB8 1JG. Flux Funding Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333.

Payday Loans Ltd is the data controller for the personal information collected through this website. That means we decide how and why your information is used, and we are responsible for looking after it.

What is the purpose of a Privacy Policy?

This privacy policy was written to give users of this website a clear explanation of the information that we will ask you to provide, how we will use that information and who we will share it with. It is important that you read and understand this privacy policy, along with our Terms and Conditions before using this website.

When using this website, you may be redirected to the website of one of our partners. It is important that you read the privacy policy on their site as we will not be responsible for how they use your personal information.

What type of information is collected?

Personal information in the context of this privacy policy is the information that you provide that can be used to identify you. This may include, but is not limited to, contact details, date of birth, address, bank details and IP address.

Lawful basis for collecting your data.

When you use this website to search for a loan, we use the information you give us in a number of ways. We must have a lawful basis for each of them. We rely on three.

Contract, and steps taken before a contract. To broker your loan: taking your application, sharing it with lenders and brokers on our panel, and telling you the outcome.

Legitimate interests. To prevent and detect fraud, to keep our website secure, to improve our service, and to email or text you about similar products (see Our Service below). You can ask us for our balancing test using the contact details below.

Consent. For online advertising, including sharing your information with advertising platforms. You can withdraw your consent at any time, and withdrawing it will not affect your loan application.

Our Service

We will email or text you about the loan search you asked us to help with, unless you ask us not to.

We may also email or text you about similar products and services. These messages are optional and are not part of our broking service. You can opt out at any time, using the link in any message or the contact details below.

The law calls this the ‘soft opt-in’. It applies because you gave us your details when you applied with us. We only use it for products similar to the one you asked about, and opting out never affects your application.

Marketing

We share a scrambled (hashed) version of your email address and phone number with Google and Microsoft, so that they can show you our advertisements and measure whether those advertisements work. Hashing disguises the data, but it is still your personal information.

We do this only where you have accepted marketing cookies. You can withdraw that at any time through our cookie settings, or by contacting us using the details below.

Google and Microsoft decide for themselves how they use the information we share with them, so they are independent controllers of it. Their own privacy policies apply to what they do with it.

We do not sell your personal information, and we do not pass your contact details to unrelated companies so that they can market their own products to you.

How will you use my personal information?

To fulfil our role as a credit broker, we share your information with lender and broker partners who are authorised and regulated by the Financial Conduct Authority.

The information we share will include some or all of what you gave us in your application. That includes your name, address, date of birth, contact details, employment information, bank account details and details of your financial status.

With your consent, we also use your information to show you advertisements for products and services that may interest you. These may appear on platforms operated by Google and Microsoft. This involves sharing your information with those platforms, as described in the Marketing section above.

You can withdraw that consent at any time using our cookie settings or the contact details below.

We use technical data such as your IP address and cookies to help us improve our website.

Recent applications on our website

Our website shows short messages about recent applications made through Payday UK, for example "AC in Birmingham applied for £500 in the last hour". For this we use the first letter of your first name and of your surname, your town from your address if it is a large town or city with a population of 100,000 or more (otherwise the county from your address, such as "the West Midlands", only if it is one on our fixed list of UK counties and areas; if not, your application is not shown), the amount you applied for, and roughly when you applied (for example "in the last hour" or "earlier today"). We never show your name, address, postcode, contact details, or whether a lender offered you a loan. Messages appear at least 10 minutes after you apply and are shown for no longer than the rest of the day you apply. A sample of applications from the last 30 days may also be shown, without times; an application in that sample is shown for no longer than 30 days after you apply. They are not stored in the cached copies of our pages. We cannot control copies that other people make of what was publicly displayed. We do this because of our legitimate interest in showing visitors that our service is genuinely used; we have assessed the impact on you and keep the details deliberately limited. You can object at any time, before or after you apply, and we will keep your applications out of these messages within about 15 minutes: email customerservice@paydayuk.co.uk.

Who will you share my information with?

We share your information with the following categories of recipient.

1. Lenders and credit brokers on our panel. All of them are authorised and regulated by the Financial Conduct Authority and appear on the Financial Services Register. We share your application so that they can decide whether to offer you credit. Once they receive it they decide for themselves how they use it, so they are independent controllers and their own privacy policies apply.

Our panel changes as lenders join and leave it, so we do not publish a fixed list here - a published list would be out of date almost immediately. Ask us using the contact details below and we will send you the list that applies to your application, within one month.

2. Our principal firm. Flux Funding Limited, FCA reference 806333, which we act for as an appointed representative.

3. Advertising and analytics platforms. Google and Microsoft, as described in the Marketing section above, and only where you have consented.

4. Suppliers who act on our instructions. Our email, SMS, hosting and IT providers. They act as processors, which means they may only use your information in the way we tell them to.

5. Professional advisers, regulators and law enforcement. Where the law requires it, or where we need to establish or defend a legal claim.

We do not carry out credit checks ourselves. The lenders and brokers we introduce you to may do so, and between them they use the full market of UK credit reference agencies. Each lender’s own privacy policy explains which agencies it uses and how.

Will you send my information outside the UK?

Some of the recipients described above are outside the UK, including in the United States.

When we transfer your information outside the UK we rely on either a UK adequacy decision, or the UK International Data Transfer Agreement or Addendum together with a transfer risk assessment.

Ask us using the contact details below for a copy of the safeguards we use.

How long will you store my personal information?

We will keep your personal details for no longer than 12 months from the date you last used our service unless you ask us to delete it sooner. If you ask us to delete your personal information, please note that it may remain on our backup servers for legal or other regulatory reasons.

What are my rights?

UK data protection law (the UK GDPR and the Data Protection Act 2018) gives you the following rights.

The right to be informed
You have a right to be informed about how your personal data is processed in a concise, transparent, intelligible and easily accessible manner, written in clear and plain language, that is free of charge. This is the purpose of this Privacy Policy.

The right of access
You have the right to obtain confirmation that your data is being processed and to have access to that personal data. You can request this using the contact details below.

The right to rectification
You have the right to have your personal data rectified if it is incorrect or incomplete and we must notify any third parties that have been shared your data to do the same. You can request this using the contact details below.

The right to erasure
You have a “right to be forgotten”, or to have your personal data erased and to prevent processing. The right is not absolute and in certain circumstances, this may not be possible. You can request this using the contact details below.

The right to restrict processing
You have the right to ‘block’ or 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. You can request this using the contact details below.

The right to data portability
You have the right to obtain and reuse your personal data for your own purposes across different services in a safe and secure way, without hindrance to usability. You can request this using the contact details below.

The right to object
You have the right to object to processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling); direct marketing (including profiling); and processing for purposes of scientific/historical research and statistics. You can request this via the contact details below.

Rights in relation to automated decision making and profiling

You have a right to object to automated decision making, to express your point of view, ask for human intervention, and to be provided with an explanation of the decision with your option to challenge it. The right is not absolute and is not applicable for the entering into a consumer credit agreement. You can request this using the contact details below.

The right to withdraw consent
If you have given us explicit consent to process your personal data you have a right to withdraw that consent at any time, including but not limited to the removal of consent to be contacted by third-party marketers. You can request this using the contact details below.

The right to lodge a complaint with a supervisory authority
You have the right to lodge a complaint with us directly and/or with a supervisory authority. In the UK the relevant authority is the Information Commissioner’s Office (ICO). You can find their contact details here:

https://ico.org.uk/global/contact-us/
For further information in relation to your rights visit www.ico.org.uk
Do you use cookies?
Payday UK uses “Essential,” “Functionality,” and “Marketing” cookies. Payday UK may use all or a combination of all three categories of cookies. You can find out more about each cookie category below.

Essential Cookies. These cookies enable you to move around the website and use its features.

Functionality Cookies. These cookies are used to help improve the website experience. The cookies are placed when a user first visits the website and they track the user through the website, monitoring where they navigate to or where they drop out of the process.

Marketing – we use third parties to help provide customised advertising and other content to visitors to our website.
So that we can offer you the best possible online experience, new services using cookies may be added to our site from time to time. We aim to keep the cookies information provided here as accurate as possible and use all reasonable efforts to review and update the details.

For further information please read our Cookie Policy.

How do you keep my data secure?

Your security and privacy come first in everything we do. We utilise the most advanced security infrastructure and measures to ensure your data is private. All personal data is stored on dedicated servers with high levels of encryption. All companies with which we share your information has to display that they have high levels of data security in place before we will share any information with them.

How do I complain?

If you have a complaint, we would like to hear from you.

You can contact us using the information below:

Post: Payday UK complaints, Payday Loans Ltd, The Charter Building, Charter Place, Uxbridge, UB8 1JG

Email: complaints@paydayuk.co.uk

You can also complain to the Information Commissioner’s Office at ico.org.uk, but we would like the chance to put things right first.

How do I contact you?

If you wish to contact us, you can do so in a number of ways:

Telephone: 0800 302 9409

Email: customerservice@paydayuk.co.uk

Post: Payday Loans Ltd, The Charter Building, Charter Place, Uxbridge, UB8 1JG