Your personal data is important to you so we apply strict security standards.
Uncle Buck Finance LLP trading as Uncle Buck.
At Uncle Buck, we understand the security and privacy of your personal data is important to you, so we apply strict security standards to how we store and use your personal data. Please read this policy carefully to understand our practices.
Uncle Buck Finance LLP (“Uncle Buck”, “we”, “us” and “our”) is a company registered in England and Wales with company registration number OC356091, having its registered office at 707 Churchill Way, Biggin Hill Airport, Westerham, Kent TN16 3BN.
Uncle Buck Finance LLP is authorised and regulated by the Financial Conduct Authority, FRN 673545 and provides short term personal loans to consumers in the UK.
This Policy (together with our Data Policy and Website Terms and Conditions) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Uncle Buck Finance LLP is registered with the Information Commissioner’s Office with registration number Z2487954 and will act as Data Controller in accordance with the provisions of the Act.
We may collect and process the following data about you:
- Information that you may provide by filling in the forms on unclebuck.co.uk (our “Site”). This includes information such as your name, address, e-mail address(s) and telephone number(s) provided at the time when you complete the loan application form on our Site, or request further services. It may also include your date of birth, marital status, employment information and financial information.
- Information that you may provide by filling in forms on a lead generation or credit brokerage site, which may include information of the type noted above.
- Information obtained from you or from third parties such as credit reference agencies (“CRAs”) and fraud prevention agencies (“FPAs”) or other organisations when you apply for a loan or any other service or which you or they give to us at any other time.
- Details of transactions you carry out through our Site and of the fulfilment of your loan(s).
- Correspondence and records of all contact with you, including any discussions; please note that calls between us may be recorded and monitored for security and training purposes.
- Surveys that we use for research purposes, which we may ask you to complete, although you are under no obligation to respond.
- Any other information you provide to us
Uncle Buck collects and processes your data in order to provide you with access to short term personal loans and to help to prevent fraud and money laundering. We use information held about you in the following ways, namely to:
- process your application and enable you to access and use the services we provide;
- communicate with you by telephone, email, SMS or in writing;
- assess your creditworthiness (including the use of CRAs and FPAs) to make lending decisions and for the prevention of fraud and money laundering;
- verify your identity;
- apply scoring methods to assess your application;
- manage your account and recover any debt you owe us which may include tracing your whereabouts;
- develop, improve and update our products;
- conduct statistical analysis;
- notify you of any changes to our service;
- comply with our regulatory obligations.
Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Act.
We recognise the need to protect and manage your personal and financial information appropriately. All information you provide to us is, as far as reasonably practicable, stored on our secure servers. Any financial information, such as debit card numbers, will be encrypted using secure algorithms within the database. We ask you not to permit anyone to use your name.
In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. We use secure socket layer (SSL) encryption technology and store data in encrypted form, we also control access to data. Further information is provided below under section 5 “Security”.
All our security systems and procedures meet or exceed industry standards, and we constantly monitor technological and internet developments to ensure our system security is up to date.
Countries within the European Economic Area (EEA) are required to have a similar standard of protection of personal data. We may transfer data outside the EEA but will ensure that before we do so, there is adequate protection as required by the relevant Data Protection legislation.
When you enter our Site after the first occasion and want to check your account, we will check your identity by asking for personal log-in information including a unique security code. As long as the correct details are entered, we will assume that you are the person giving instructions and making transactions and you will be liable for those transactions.
You must never tell another individual your log-in details (nor other codes that protect access to your account) or write them down without disguising them.
You must tell us immediately if you suspect that someone else knows your log-in details that protect access to your account or can use Uncle Buck’s services by impersonating you. Until you tell us, you will be responsible for any instruction which we receive and act on, even if it was not given by you and we will not be responsible for any unauthorised access to confidential information about you on our website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Site; any transmission is at your own risk. Once we have received your personal data, we will use strict procedures and security features to try to prevent unauthorised access.
Our Site may, from time to time, contain links to and from the websites of our advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
We will retain your evidence (securely stored) of your identity for five years after the end of your relationship with us and details of your transactions with us for five years from the date of the transaction or for as long as the law requires.
We may disclose your personal information when we employ the services of other parties for dealing with matters such as payment handling, credit checking, search engine facilities, advertising and marketing.
We may give information about you and how you manage your account to the following:
- law enforcement agencies in circumstances where we are required to do so by law;
- persons and legal entities which provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential; and
- CRAs and FPAs (see section 10 below).
If Uncle Buck or substantially all of its assets are acquired by a third party, personal data held by us about our customers will be one of the transferred assets.
If required, we will share your personal data in order to comply with any legal obligations, or in order to enforce or apply our Website Terms and Conditions and other agreements; or to protect the rights, property, or safety of Uncle Buck, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps web applications to respond to you as an individual by gathering and remembering information about your preferences and which pages you visit. Some cookies only exist whilst users are online but persistent cookies – which are not session-based – remain on the user’s computer, so that the individual can be recognised as a previous visitor when the individual next visits the website. A cookie in no way gives access to your computer or any information about you, other than the information you choose to share when using web applications.
|KWD||Stores the keyword(s) that you used to find our site|
|Session ID||Enables us to maintain the state of your current browsing session as you move across pages on our site, including during the application process.|
|User ID||Allows you to access personal information about your account.|
|_utma||These cookies are set and updated by Google Analytics, Uncle Buck use to monitor our website performance.|
We do not store sensitive information such as account numbers or passwords in persistent cookies, and cookies in themselves, do not contain enough information to identify you.
In addition to using cookies, we might also use web tools to collect information about your browsing activities whilst on our website. In this respect, the information that is provided is similar to the information supplied by cookies, and we use if for the same purpose.
Any information that we acquire about you using cookies or web tools is subject to the same restrictions and conditions as any other information we collect about you.
If you have provided your consent, we may contact you by email about products, services and offers of ours that might be of interest to you.
You may opt-out of receiving promotional and marketing communications from us at any time by responding to any of our email communications (or sending an email to firstname.lastname@example.org) with a subject of “Opt Out”. Please include your name and either your postcode or your mobile telephone number in the message body to help us identify you. Alternatively, you can write to us at Uncle Buck Finance LLP, 707 Churchill Way, Biggin Hill Airport, Westerham, Kent TN16 3BN. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry.
If you opt-out of our use of your data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request.
Where you have given your express consent during the application process, we may pass your details, including the application details you have already provided, onto carefully selected credit brokers who may contact you about products and services that may be of interest to you, including by post, email, SMS text and phone. If you are unsuccessful in obtaining a loan from Uncle Buck, these credit brokers may be able to facilitate your application further. These partners will consider your details and may forward these details to another lender(s) which may involve further credit checks being carried out. This may also involve multiple contacts. In this regard, Uncle Buck is itself acting as an introducer and will receive a commission directly from the credit broker following a successful introduction. Other credit brokers and lending partners will have their own privacy policies. Please refer to them.
To read the privacy policies of the credit brokers we use, please use the following links:
Nouveau Finance Limited, authorised and regulated by the Financial Conduct Authority, FRN 727348
You have the right, under section 7 of the Act, to access information held about you. Your right of access can be exercised in accordance with the Act by emailing us at email@example.com or writing to us at Uncle Buck Finance LLP, 707 Churchill Way, Biggin Hill Airport, Westerham, Kent TN16 3BN. Any access request may be subject to a small statutory fee to meet our costs in providing you with the details of the information we hold about you.
We aim to keep the personal data we hold about you accurate and up to date. If you tell us that we are holding any inaccurate or unnecessary personal data about you, we will correct it promptly or delete it if no longer necessary. Please email us at firstname.lastname@example.org or write to us at the address above to update your personal data. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry.
If you have any concerns about the information we hold, you should contact the Head of Compliance at Uncle Buck stating what you think the problem is and you will get a response within seven working days. If you feel dissatisfied, you can appeal to the Managing Partner of Uncle Buck Finance LLP by writing to 707 Churchill Way, Biggin Hill Airport, Westerham, Kent TN16 3BN or you can contact the Information Commissioner’s Office by writing to the Customer Services Team, Wycliffe House, Water Lane, Wilmslow SK9 5AF; or by calling 0303 123 1113.
When you apply for a loan, you confirm that all the information you have given is true and complete. You authorise us to check our records about you and others as well as those held by CRAs and FPAs.
We will make checks such as assessing your loan application for creditworthiness in accordance with our responsible lending policy (see section 11 below). We may also make periodic searches at CRAs and FPAs to verify your identity and to manage your account with us.
Information on loan applications and details of your agreement(s) with us (including payment information, any default or suspected fraud) will be sent to CRAs and FPAs and will be recorded by them. This information may be supplied to other organisations by CRAs and FPAs and may be used and searched by us and other organisations in order to:
- Consider applications for credit and credit related services such as insurance for you and any associated person;
- Prevent or detect money laundering and fraud;
- Trace debtors or recover debts;
- Manage you accounts.
Records remain on file with CRAs and FPAs for 6 years after they are closed, whether settled by you or defaulted.
You have a right to be told which CRAs we use and to obtain from the CRAs a copy of your file. Details of the CRAs operating in the UK can be found in our Data Policy (see “How to find out more”).
Please read the following information very carefully:
As a responsible lender, Uncle Buck Finance LLP has a legal obligation to take steps to ensure that our customers are creditworthy.
We use a variety of methods to try and make sure that we do not lend money to people who are in financial difficulty. One of these methods is to carry out a credit reference check. In order to do this, we shall pass the personal data that you provide to us in your loan application to one or more CRAs. Uncle Buck uses three CRAs – CallCredit, Equifax and Perfect Data Solutions Limited trading as Lending Metrics. These CRAs provide us with data about a customer’s credit history and borrowing habits. You can contact the CRAs we use in writing at their addresses listed in our Data Policy to request the information that they hold about you (please note, a small statutory fee may be payable).
By submitting your application (moving to “Next Stage”), you acknowledge Uncle Buck will review your application and perform credit and verification checks with CRAs and FPAs to make lending decisions and for the prevention of fraud and money laundering.
If you would like more information or you have any comments about this Policy, please either write to us at Uncle Buck Finance LLP, 707 Churchill Way, Biggin Hill Airport, Westerham, Kent TN16 3BN or email us at email@example.com
You can ask us for a copy of this Policy and of any amended Policy by writing to the above address or by emailing us at firstname.lastname@example.org. This Policy applies to personal data we hold about individuals. It does not apply to information we hold about companies and other organisations.