Privacy Policy

Where we collect your information

We may collect information from:

• credit reference agencies and fraud prevention agencies
• our websites, applications, surveys, interviews, emails, letters and your device details such as IP address, operating system and browser type
• your history with us, payments history and account activity
• phone calls, which may be recorded or monitored for quality checks, staff training and fraud prevention
• personal and financial information you submit as part of your application or account management

Information we hold

We may hold personal and financial information needed to assess, administer and manage your loan or application. This may include information relating to identity, employment, income, payment history, address and contact details.

How we manage sensitive personal information

The Data Protection Act defines certain information as sensitive, including racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life and criminal records. As part of your ongoing relationship with us, we may be provided with some of this information. Wherever possible, we will always ask for explicit consent before processing it.

Using companies to process your information outside the EEA

We may sometimes use third parties based outside the European Economic Area. If we do, we will always ensure that your information is protected to EU standards. Sometimes these organisations may disclose information to foreign authorities in the fight against crime and terrorism.

How we use your information

• search credit reference and fraud prevention agency records, including information from overseas
• comply with our regulatory obligations
• operate and manage your account and any application, agreement or correspondence
• contact you by email, SMS, letter or telephone about our products and services, unless you tell us you prefer not to receive marketing
• identify, prevent and tackle fraud, money laundering and other criminal activity
• assess your profile as an individual and identify products that may be of interest to you
• carry out market research, business analysis, audits, system checks and performance indicators
• provide information to independent external bodies such as governmental departments and agencies
• help trace your current whereabouts and recover any debt owing to us

How we use information to credit score

When you apply for credit, we use Loan365 credit scoring to help us determine an individual’s likelihood to pay. This process is reviewed regularly to ensure it remains effective and fair. We will also check your identity and complete fraud and money laundering checks. We may ask you to provide identification, payslips, PPS information, bank details and employer details as part of the process.

Contacting you about products and services

With your permission, we may contact you by email, phone, SMS or post about products we believe may be of benefit to you. We will not contact you about everything, only when we think it is appropriate and relevant. You may opt out of receiving this information at any time by calling or writing to us at the address below.

Obtaining a copy of your information

You have a right of access to a copy of the personal data we hold about you. Please write to Stalwart Investment Limited t/a Loan365, Ardmulchan, Boyne Road, Navan, Co. Meath, Ireland or email info@loan365.ie, including as much information as possible about your request, together with your name and contact telephone number so that we can deal with it quickly and efficiently.

Use of cookies

You can visit any of the Loan365 websites without identifying who you are or revealing any information about you or your IP address. However, cookies are used to store small amounts of information about your device, which allows certain information from your web browser to be collected. Information will also be collected if you commence the application process. You can access our Cookie Policy here.