Privacy Policy

BACKGROUND:

Veiran Limited understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, www.cashpanda.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of this Privacy Policy is deemed to occur upon your first use of Our Site.

We reserve the right to modify this Privacy Policy and any of its constituent provisions from time to time. A notification of any changes will be posted on the Site. We encourage you to periodically review our Policy to stay informed about how we use the information we collect.

By using the Site, you consent to the applicability of this Policy in its entirety, whether or not you intend to submit any information to us via the Site. If you disagree with this Policy, you should discontinue your use of the Site. Your use of the Site and our services, including data storage and transmission, is done at your own risk.

  1. Definitions and Interpretation

In this Policy the following terms shall have the following meanings: 

“Account”           means an account required to access and/or use certain areas and features of Our Site;

“Cookie”              means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in Part 14, below; and

“Cookie Law”     means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;

2.  Information About Us

www.cashpanda.co.uk Site is operated by Veiran Limited, a Limited Company registered in England under company number 10347658.

Registered address: 64 New Cavandish St, London, W1G 8TB.

 Data Protection Officer: Steve Basford.

Email address: compliance@veiran.co.uk.

Postal Address: 64 New Cavandish St, London, W1G 8TB.

We are regulated by Financial Conduct Authority (FCA), and The Information Commissioner’s Office (ICO).

3.  What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites that we have business relationship with called 3rd Parties* and we advise you to check the privacy policies of any such websites before providing any data to them.

4.  What is Personal Data?

Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.

Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.

5.  What Are My Rights?

Under the GDPR, you have the following rights, which we will always work to uphold: The right to be informed about our collection and use of your personal data. This Privacy Policy should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 15.

  1. The right to access the personal data we hold about you. Part 13 will tell you how to do this.
  2. The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 15 to find out more.
  3. The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we have. Please contact us using the details in Part 15 to find out more.
  4. The right to restrict (i.e. prevent) the processing of your personal data.
  5. The right to object to us using your personal data for a particular purpose or purposes.
  6. The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
  7. Rights relating to automated decision-making and profiling. We do not use your personal data in this way.

For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 15.

Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.

If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.

6.  What Data Do We Collect?

Depending upon your use of Our Site, we may collect some or all of the personal and non-personal data that you provide when filling in any of the forms on our website (www.cashpanda.co.uk) or when you contact us. We may also keep details of any transactions that you carry out via our system, details of your visit to our website and any of the details of resources you access using our website.

All the data (i.e. personal information) submitted to Veiran Limited on our website by you is taken to be correct and accurate. By agreeing to our terms and conditions and this privacy policy you are also agreeing not to use other people data. If we suspect any possible fraud or false identity, we reserve the right to pass all information to fraud prevention agencies and / or the police. We may check details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded. Fraud prevention agency records are shared with other organisations to help making decisions such as on your credit, household, life, motor and other insurance proposals or claims.

(please also see Part 14 on our use of Cookies and similar technologies and our Cookie Policy https://www.cashpanda.co.uk/cookie-policy/):

7.  How Do You Use My Personal Data?

Under the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it. Your personal data will be used for one of the following purposes:

  • To process and submit your application form to lenders and credit brokers to apply for the funds you have asked for;
  • To provide you with an excellent service;
  • To be sure that our websites is presented in the best way for you and your device;
  • To notify you about changes to our products and services
  • Providing and managing your Account;
  • Providing and managing your access to Our Site;
  • Personalising and tailoring your experience on Our Site;
  • Communicating with you. This may include responding to emails or calls from you.
  • Internal record keeping;
  • Improvement of our products / services;
  • Transmission by email of promotional materials that may be of interest to you;
  • Contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customise or update the Website;
  • Credit reference agencies and bureaus, and Fraud prevention agencies;

in each case, in accordance with this privacy policy.

With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email, sms, telephone or other means with information, news, and offers on our products/services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.

Veiran Limited, will employ the services of other parties* for dealing with certain processes necessary for the operation of the Website. The providers of such services have access to certain personal Data provided by Users of this Website. 

Any Data used by such parties is used only to the extent required by them to perform the services that we request. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties* will be processed within the terms of this privacy policy and in accordance with the Data Protection Act 2018.

Third Parties* (Please see section 12 of this document who are the Third Parties and their Privacy Policies ) whose content appears on Our Site may use third-party Cookies, as detailed below in Part 14. Please refer to Part 14 for more information on controlling cookies. Please note that we do not control the activities of such third parties, nor the data that they collect and use themselves, and we advise you to check the privacy policies of any such third parties (Please see in the bottom of the document)

We use the following automated systems for carrying out certain kinds of decision-making and/or profiling. If at any point you wish to query any action that we take on the basis of this or wish to request ‘human intervention’ (i.e. have someone review the action themselves, rather than relying only on the automated method), the GDPR gives you the right to do so. Please contact us to find out more using the details in Part 15.

8.  How we process your loan application

The primary service that we are providing to you is that of an online loan broker. We will search our panel of lenders for a loan option for you.

The information we collect is only as much as we require so that our lenders can make a decision on whether or not they want to lend you the funds. cashpanda.co.uk is acting as an application process to save you filling out multiple applications with lots of lenders. After completing this application, we will send your information to our lenders in succession for them to make a quick decision. Some lenders will perform a soft credit search which will not show on your credit history others may only perform credit searches after you have accepted their terms and applied for their loan. Others may perform a credit check prior to offering to lend to you.

Our technology partner will present you with the lender they believe is the best for you based on the amount you wish to borrow from a lenders prepared to lend to you.

If we cannot find you a lender then we may refer you to an alternative product provider. In some cases this may be a loan broker who may ask you to pay a brokerage fee. This is known as a pingtree or loan waterfall.

9.  Your Consent

By using this site, and filling and submitting your personal information to Veiran Limited you are consenting to us and our selected partners to checking the following:

  • Our internal records and databases
  • Public records (e.g electoral roll, court records, national archives etc)
  • Credit reference bureaus and agencies that might leave a footprint on your credit file which will be visible to other lenders
  • Fraud prevention agencies

If you disagree with this policy, you should discontinue the use of this site. Your use of this site as well as our services, including all data storage and transmission, is done at your own risk.

10.  How Long Will You Keep My Personal Data?

We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept):

  • personal data may be stored for longer periods insofar as the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes subject to implementation of the appropriate technical and organisational measures required by the GDPR in order to safeguard the rights and freedoms of individuals.

11.  How and Where Do You Store or Transfer My Personal Data?

We will not store sensitive information such as a bank Account or sort code detail after your application is processed.

We will only store or transfer your personal data in the UK. This means that it will be fully protected under the GDPR.

OR

We will only store or transfer your personal data within the European Economic Area (the “EEA”). The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein. This means that your personal data will be fully protected under the GDPR or to equivalent standards by law.

OR

We may store or transfer some or all of your personal data in countries that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). These are known as “third countries” and may not have data protection laws that are as strong as those in the UK and/or the EEA. This means that we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR as follows.

We share your data within the group of companies of which we are a part. Where this involves the transfer of personal data outside the EEA, our group ensures that personal data is protected by requiring all companies within the group to follow the same rules with respect to personal data usage. These are known as “binding corporate rules”. More information on binding corporate rules is available from the European Commission.

OR

We share your data with external third parties, as detailed below in Part 10, that are based outside of the EEA. The following safeguards is applied to such transfers:

We will only transfer your personal data to countries that the European Commission has deemed to provide an adequate level of personal data protection. More information is available from the European Commission.

OR

We use specific contracts with external third parties that are approved by the European Commission for the transfer of personal data to third countries. These contracts ensure the same levels of personal data protection that would apply under the GDPR. More information is available from the European Commission.

AND/OR

Where transfer your data to a third party based in the US, this may be protected if they are part of the EU-US Privacy Shield. This requires that third party to provide data protection to standards similar to those in Europe. More information is available from the European Commission.

Please contact us using the details below in Part 15 for further information about the particular data protection mechanism used by us when transferring your personal data to a third country.

The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:

  • Use encryption of information
  • Stored on our secured servers.
  • Use security features to try to prevent unauthorised access/

12.  Do You Share My Personal Data?

We will use your personal data for the primary service and the nature of our business of finding you a loan by searching for a lender to accept the information you provided in the form you submitting on our site.

We work with technology providers who are authorised by the FCA and whose software (ping tree) allows us to present your loan application to the credit and solution providers we currently work with to ensure you receive the loan that best suits your requirements.

We will not share any of your personal data with any third parties for any purposes, subject to one important exception.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

OR

We may share your personal data with other companies in our group. This includes subsidiaries and or holding company and its subsidiaries.

We will contract with the following third parties who are loan brokers to supply certain products and or services. These may include payment processing, delivery, and marketing. In some cases, those third parties may require access to some or all of your personal data that we hold.

If any of your personal data is required by a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 9.

If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 9.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

13.  How Can I Control My Personal Data?

  • In addition to your rights under the GDPR, set out in Part 5, when you submit personal data via Our Site, you may be given options to restrict our use of your personal data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in our emails and or at the point of providing your details and by managing your Account).
  • You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

14.  Can I Withhold Information?

You may access certain areas of Our Site without providing any personal data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.

You may restrict our use of Cookies. For more information, see Part 14 and our Cookie Policy https://www.cashpanda.co.uk/cookie-policy/

15.  How Can I Access My Personal Data?

If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.

All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 15. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.

There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.

We will respond to your subject access request within 28 days and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.

16.  How Do You Use Cookies?

Our Site may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our products and or services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.

By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than us. Third-party Cookies are used on Our Site to improve the way the website works. For more details, please refer to the table below. These Cookies are not integral to the functioning of Our Site and your use and experience of Our Site will not be impaired by refusing consent to them.

All Cookies used by and on Our Site are used in accordance with current Cookie Law.

Before Cookies are placed on your computer or device, you will be shown a banner in the bottom of the screen saying “By continuing to use this site, you agree to the use of cookies. To learn about cookies, click here.” requesting your consent to set those Cookies. By not acting you are giving your consent to the placing of Cookies you are enabling us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first-party Cookies and block third-party Cookies.

Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown in the table below. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.

Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling us to better understand how Our Site is used. This, in turn, enables us to improve Our Site and the products and or services offered through it.

The analytics service(s) used by Our Site use(s) Cookies to gather the required information. You do not have to allow us to use these Cookies, however whilst our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable us to continually improve Our Site, making it a better and more useful experience for you.

In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.

It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

OR

Our Site may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our products and or services. By using Our Site you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than us. Third-party Cookies are used on Our Site to improve the way the website works. In addition, Our Site uses analytics services provided by Google analytics, which also use Cookies. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling us to better understand how people use Our Site. For more details, please refer to our Cookie Policy https://www.cashpanda.co.uk/cookie-policy/.

17.  How Do I Contact You?

To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details (for the attention of Compliance):

Email address: compliance@veiran.co.uk

Postal Address: Veiran Limited, 64 New Cavandish St, London, W1G 8TB.

18.  Changes to this Privacy Policy

We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.

Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date and see our Terms and Conditions page for more information. 

We at CashPanda.co.uk welcome any of your questions, suggestions or concerns regarding our privacy policy and any services we offer. Please contact us by email at support@cashpanda.co.uk.

* Other parties / Third parties that we currently use for certain processes necessary for the operation of the website are Monevo Limited, MindFlow Marketing Ltd, T Dot UK Limited, Bizfella LTD, Nouveau Finance Limited and Loan Machine Limited (Leadaffinity.com).They are all loan brokers and your information will therefore be shared with them about your loan application but not for the purpose of marketing!  
Their privacy policy can be found here :  https://privacy.monevo.com/uk/privacy-policy ;   http://www.smartping.com/Home/Privacy ; https://t.uk/privacy-policy/ ; https://bizfella.co.uk/privacy-policy/ ; http://www.nouveaufinance.com/our_secure_data_handling_rules ; https://loanza.co.uk/help/privacy ; http://www.leadaffinity.com/privacy-policy.html.