Our Privacy Policy

This privacy policy sets out how we use and protect any information that you give us when you use this website. We are committed to ensuring that your privacy is protected. We will only use the information that we collect about you lawfully in accordance with the Data Protection Act 1998. We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

The information we collect

We may collect personal information about you which you give to us when you use our Services. The provision of the Services to you may also require us to store details of your application, together with details of your financial information. We will periodically review your personal information to ensure that we do not keep it for longer than is necessary.

Purposes for which we use information about you

We may use your personal information for the following purposes:

1. to enable you to access and use the Services; and/or
2. to personalise aspects of our overall service to you; and/or
3. to communicate with you; and/or
4. to process a transaction between you and a third party.

Passing on information about you

Please be aware that once you use our Services, you will be regarded as having given your consent to us disclosing your personal information to the following parties:

1. Third party providers whose products or services are listed on the results pages of the channels on our website, for the purposes of obtaining an online quotation for a personal loan for you or comparing different products and services which may be appropriate such as credit information services;
2. The Financial Services Authority and/or other regulatory/governing bodies for the purposes of compliance monitoring;
3. Other third party organisations for the purpose of marketing. These organisations may contact you about their products or services with your prior consent.

Informing you of offers and services which may be of interest

We would like to keep you updated by phone, e-mail or text of other products and services which we feel you may benefit from. For example, we may e-mail you letting you know how you could save money by switching product and services. Wherever we capture your data you will be asked to confirm your acceptance of us using your data for these purposes. By providing your information when you use our site, you consent to us disclosing your personal information to the following parties:

• Our trusted business partners, whose products and services may save you money.
• You can ask us to stop passing your information to third parties for marketing purposes at any time, which we will do. Such a request may result in us ceasing to offer the Services to you.
• We may disclose information about you in connection with legal proceedings or potential legal proceedings or if otherwise permitted to do so by law.

Electronic Communications

When you agree to receive any electronic communications from us, you also agree to receive additional communications on products and services which we believe you may be interested in. Any electronic communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time.

Third party providers and data privacy

If you decide to enter into a contract with a third party provider through a channel on our website, the information you have provided to us together with any further information requested by, and supplied by you to, the third party provider will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information once you have contracted with that provider.

How to opt out

You may express a preference for receiving telephone and e-mail contacts from us. Specifically, you may receive e-mails or calls regarding our service from time to time. If you do not wish to receive these e-mails or phone calls, you may send an email to us at info@tfli.co.uk with the header UNSUBSCRIBE. If you elect to opt out of receiving contacts by telephone or e-mail, you will not receive updates on new product information or special offers.

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 writing to us at info@tfli.co.uk. Any access request may be subject to a small statutory fee to meet our costs in providing you with details of the information we hold about you.

Cookies

We may also collect information about your computer, including where available your IP address, operating system and browser type using a cookie file which is stored in the hard drive of your computer. Cookies help us to improve our website and deliver a better and more personalised service to you. They enable us to:

1. personalise your experience on our website, speed up your searches and help us select services or materials for inclusion on the website which may be of interest to you.
2. monitor general traffic patterns and usage of our Website to help us to improve our Website design and layout. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of our Website.

Links To Other Websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Complaints Procedure

How to complain...

At first instance, please contact the Complaints Department and we will try and resolve your complaint verbally. If we cannot resolve your verbally you can make a formal complaint in writing to:

TFLI Limited
Complaints Department
Third Floor,
Adelphi Mill,
Grimshaw Lane,
Bollington,
SK10 5JB

or you can e-mail your complaint to: complaints@tfli.co.uk

How TFLI Limited will deal with your complaint...

We aim to resolve your complaint as soon as possible. Sometimes things take a little more time. Please find below the process that TFLI Ltd will adhere to respond to your query.

Within 7 Working Days of Receipt of Your Complaint You Will Receive From Us...

An acknowledgement to let you know that your complaint is being dealt with and to provide you with contact details of the person dealing with it.

Within 30 Days You Will Receive From Us...

The final response from us. This will include the findings from our investigation and details of any compensation we have concluded is payable to you (if appropriate).

Hopefully this would be a mutually satisfactory response and the matter will be concluded.

If you are not satisfied with our final response, you may be eligible to refer the matter to FOS within 6 months of the date of our final response. This is free of charge. To make a complaint to FOS please contact:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Website:www.financial-ombudsman.org.uk
Email: Complaint.info@financial-ombusdman.org.uk
Phone: 0800 023 4567 or 0300 123 9 123

European Online Dispute Resolution Platform

In relation to your complaint you can also request a review from the European Online Dispute Resolution platform:
http://ec.europa.eu/consumers/odr/

Your Rights

We hope that you will accept the decision of our Complaints Department. If this should not be the case, you remain free at all times to seek independent advice.

Information Commissioner Office

You can also report any concerns regarding marketing texts / emails you may have received to the Information Commissioners Office. Details are provided below:

Information Commissioners Office - Head Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Website: http://ico.org.uk/concerns
Email: casework@ico.org.uk
Phone: 0303 123 1113 or 01625 545 745