Protecting your privacy is important to us. This privacy statement explains how Ocean Finance, a trading style of Intelligent Lending Limited and the companies within the Think Money Group (All About Money Limited, Freeman Jones Limited, Think Money Limited, Think Insure Limited, Gregory Pennington Limited, Wilson Andrews Limited, Ideal Finance Limited, Intelligent Lending Limited, and Think Money Group Limited) (collectively "the Group") collect personal data from you, and how we will use and store this information.
Please read this privacy statement carefully, as once you send us your information you will be deemed to have read and accepted this statement.
Where we collect your personal information?
We will only collect personal information, including where necessary sensitive personal data, about you when you apply to us, and any additional information provided by you or others in various ways, including:
- a) When you complete an application form or a contact form requesting a call back.
- b) When you participate in market research, competitions and promotions provided by, or on behalf of the Group.
- c) Information the Group receives from each other, from business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.
Please note that for quality and training purposes, telephone calls to our offices will be recorded and monitored.
What happens to the information provided/collected?
The personal information you provide may be used in a number of ways, for example:
- Responding to your requests, enquiries or complaints, including that we may send you updates about your application or the products and services we provide to you to any email address you provide and/or by text message to any mobile telephone number you provide.
- For product administration and to notify you of any important changes or developments to the products and services we provide to you
- For customer research, statistical analysis and to understand the effectiveness of our advertising
- For crime detection, prevention, and prosecution and to keep our website safe and secure
- For audit and debt collection
If you provide personal information about someone else, for example a joint application, you must only do so with the consent of the other person. If you enter into a product jointly with another person your data will be shared with the other person.
Sharing your data with third parties
If you submit a credit card, loan or mortgage application we may share your information with one or more of the lender(s) whose relevant products we offer (either directly or via a credit broker). We may also make one or more credit searches for each applicant when making our recommendation or selecting a lender and, the chosen lender may also search your record to verify your credit worthiness and identity. The credit reference agency will add details of any searches to your record which can be seen by other organisations that make searches and they may use it to help make credit decisions about you, to prevent fraud and money laundering and to trace debtors. Where an application is joint the outcome of any credit search may be shared with both persons who make an application. This condensed guide explains what we will do and how we, the lender and the credit reference and fraud protection agencies will use your information. Or if you prefer to read to the full version, click here.
If you make an enquiry for an insurance quote or purchase an insurance policy online your information will be shared with insurance providers to provide you with a quote and/or to administer and provide the insurance policy. More information on how your information may be used by the insurer and/or administer can be found in the policy documents you will receive.
We may also share your information with other companies within the Group for the administration of any products or services provided to you by any company within the Group. They may also provide you with information about other products and services that they provide. If you have provided your consent we may also share your information with marketing agencies, who provide marketing services on behalf of the Group, to promote the products and services provided by the Group or other carefully selected companies.
To Unsubscribe from our marketing emails, click on the unsubscribe link in the footer of any email from us, or email us at [email protected]
We may also use or disclose information to the extent required by law, court order, as requested by other government law enforcement authority, or to enforce legal rights.
Safeguarding your personal information
We take the protection of personal data very seriously and we will maintain appropriate safeguards to ensure the security, integrity and privacy of the information you have provided.
Review, correction and deletion of information from our files
If for any reason you are concerned that the personal information we hold about you is incorrect, or if you would like your personal information removed from our records please contact us by email at [email protected] and we will be happy to review, update or remove information as appropriate. We will keep your information unless you ask us to remove it.
If you would like to request a copy of the personal data we hold please contact the Data Protection Officer using the email above or at the address below. Any request may be subject to a £10 fee.
Data Protection Officer
Other types of advertising
We do not have any control over the advertisements you see on other third party websites however you can request to opt out or customise these advertisements by using the Google Ads Preferences Manager.
Social Media Services
You can choose to access certain third party social media websites and services through our site (such as Facebook). When you do so, you are sharing information with those sites, and the information you share will be governed by their privacy policies. Information that will be shared will include your name and email address. You may also be able to modify your privacy settings with these third party social media websites.
When using this website, some information may be collected automatically using 'cookies'. These are small text files which facilitate the processing of your data and enable us to analyse how the website is being used. Cookies can be temporary or permanent.
Temporary cookies form part of the security process while you are using the website; permanent cookies identify the link you used to find our website, check your browser so that we can make sure that our website and services work well with your computer and to help us monitor traffic on our website.
Why are cookies used?
They help visitors. Cookies allow sites to do things like provide personalised content and remember their log-in details and settings. You can turn them off - this won't stop a website from working, but it might mean it won't work as well as it could, or that you have to do the same thing more than once.
They help website owners. Cookies tell website owners things like: what search engine a visitor used to find the website, how often they've visited it, how long they've spent on it, and so on.
We've set out below the cookies that we may use and those that are set by third parties on our website.
Except for essential cookies, all cookies will expire after 10 years.
You have the ability to accept or decline cookies by modifying the settings on your browser and by clicking on the disable button below. Please remember though that disabling certain cookies may affect the functionality of our website.
If you are using Microsoft Windows Explorer:
- Open 'Windows Explorer'
- Click on the 'Search' button on the tool bar
- Type 'cookie' into the search box for 'Folders and Files'
- Select 'My computer' in the 'Look In' box
- Click 'Search Now'
- Double click on the folders that are found
- 'Select' any cookie file
- Use the 'Delete' button on your keyboard
If you are not using Microsoft Windows Explorer, then you should select 'cookies' in the 'Help' function for information on where to find your cookie folder.
We do not pass on, or sell cookies to any other companies. Further information on the use of and managing cookies can be found at http://www.allaboutcookies.org.