We collect personal information from you in a number of ways. We will collect personal information from you directly through our application process, information you provide when you download our App, correspondence that is exchanged between us, including telephone calls (which may be recorded), letters, emails, SMS messages, web forms, social media platforms and feedback and responses to research surveys which you provide to us. When you visit our website, use our App or access your online account, we may collect technical information, including the Internal Protocol (IP) address used to connect to the internet, information about your visit such as page interaction information, information about the device you are using, including information relating to your mobile phone network. Our App collects certain information when you install, use or uninstall it (including information about your device and the way you use the App and our products and services) and it may periodically contact our servers automatically and we may collect and store information (including information about you). In some cases, we collect this data through cookies, pixels, tags, and similar tracking technologies that create and maintain unique identifiers. To learn more about these technologies, please see our Cookie Notice.
In addition, we obtain your personal information indirectly from third parties including Fraud Prevention Agencies, Credit Reference Agencies, tracing and debt recovery agents, government bodies and agencies, the electoral roll and other, publicly available directories and information (e.g. telephone directory, social media, internet, news articles). See the sections below on Fraud Prevention Agencies and Credit Reference Agencies for more information.
Some of the personal information obtained from Credit Reference Agencies will have originated from publicly accessible sources such as information on court judgments, decrees, administration orders and bankruptcy registers and the electoral register (also known as the electoral roll). See the section below on Credit Reference Agencies for more information. Some of the information we receive from Credit Reference Agencies will have originated from third parties such as Royal Mail for UK postal addresses, the Insolvency Service, Companies House, and other lenders and providers of credit who provide data to the credit reference agencies.
Sometimes we may also use Open Banking as it helps us make a more efficient and informed decision on our lending. See the section below on Open Banking for more information.