Sure Credit is dedicated to protecting and respecting your privacy. This Policy describes when and why we collect personal information about people, how we use it, under what circumstances we may disclose it to others, and how we keep it secure.
We reserve the right to change this Policy at any time, so please revisit this page from time to time to ensure that you are satisfied with any changes. You agree to be bound by this Policy by using our website.
Sure Credit is a registered trading style of Bume Limited which is an Appointed Representative of William Ellis Sinclair, and is entered on the Financial Services Register under reference number: 975519. William Ellis Sinclair is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 618190.
Authorisation can be checked on the Financial Services Register at register.fca.org.uk.
Bume Limited is registered in England and Wales (Company number 14051741) and its registered office is 124 City Road, London, EC1V 2NX. It is licenced by the Information Commissioner's Office, registration number ZB335367.
Sure Credit is a Controller and is responsible for the Personal Data it collects and holds about you.
If you do not provide your personal information, we will not be able to provide our services to you of trying to find you a loan or other credit product or providing you with your credit report.
You may access and browse our website www.surecredit.co.uk at your leisure and are not required to provide any personal information; however, please see our Cookie Policy .
We collect personal information from Credit Reference Agencies and their subcontractors on your behalf in order to provide you with your credit report. We also collect information when you provide feedback voluntarily via our contact form, email, or phone. Cookies are used to collect information about website usage. For more information view our Cookies Policy.
We collect the following information about you: name, current and previous addresses, residential status, date of birth, email address, telephone numbers (home, mobile, work), employment status, income details, bank account and sort code, IP address, and device type. If you sign up for our services, we will obtain your credit score and report from one or more Credit Reference Agencies on your behalf.
We do not collect personally identifiable information from or about children, nor do we collect sensitive or special category data.
In everything we do, we prioritise your security and privacy. We use the most advanced security infrastructure and measures to keep your data private while in transit and at rest. If we share your information with third parties, we will only do so if we are confident that they will maintain the same levels of security and privacy that we do.
Our Service
To provide you with our services, which include processing your application and introducing you to a lender, broker, or alternative solution provider as requested. To provide you with access to your credit report and a dark web report. Together “Our Services”.
This also includes confirming your identity, allows us to contact you about your application, helps us find you the best product(s), confirms that you can afford the chosen product(s), and confirms whether you were approved for a product after we referred you to a lender, another broker, or an alternative solution provider. To manage and service your subscribed-to account, including monthly payment processing.
If you elect to be transferred to the Call Centre, they will be able to access some of your private information to enable them to provide our service to you.
Our legal basis for doing so is our legitimate interest in providing you with the Services you requested when applying for a loan or other credit product. It is required for us to carry out our contract with you in order to provide Our Services (for example, if you have accepted our terms and conditions).
Improve our service
To develop and improve our business, as well as the ways we serve our customers.
We accomplish this by extracting specific information in order to generate statistics for internal use (such as credit and/or behaviour scoring and market product analysis). Develop and manage products and services to meet your needs. Determine your eligibility for any products or services in which you are interested. We continuously improve our website to better meet your needs.
Our legal basis for doing so is our legitimate interest in improving and developing our business and the products and services we provide to our customers.
Marketing
We may contact you by email and SMS regarding your search for the product or the service that you have asked us to help you with unless you have requested that we do not do so. In addition, we may also send you information regarding related products or services using the contact information that you supplied to us.
Our legal basis in which we are able to contact you is called 'soft opt in', which applies when you have previously entered information on our Site and provided your information to us. This is useful for the majority of customers as it enables us to share related products and services similar to which you had requested previously.
Risk management, crime prevention and compliance
To fulfil our legal obligations. We use your information to help detect, prevent, and investigate fraud and related activities like money laundering. To respond to any requests for information from our regulators (such as the Financial Conduct Authority). Respond to customer complaints and do everything possible to resolve them.
We do this because it is necessary for the legitimate interests of protecting our business, adhering to applicable rules and regulations, and detecting and dealing with crime.
Sharing your information with other companies
Legitimate business interests and the legitimate business interests of the other companies with whom we share data (detailed below).
To enable us to find you the most suitable product, to complete our Services to you and to run our business, we will need to share your information with the following third parties, operating as either data controllers and/or data processors:
This list is not exhaustive, and you can obtain a complete list of third parties with whom we may disclose your data by contacting us at [email protected] or write to us at Sure Credit, 124 City Road, London, EC1V 2NX.
If we decide to sell, transfer, or merge parts of our business, we may also need to share your information. If this occurs, we may share your information with other parties involved, but only if they agree to keep your information secure and private.
As part of our Services, we will send you electronic communications (emails and SMS) and may contact you via live phone calls about the products you've requested and any application(s) you've made. This is a free service provided by default as part of our Services.
Although some communications are required to comply with our regulatory responsibilities, we offer a simple way for you to 'opt out' from us contacting you both when you sign up on our site and in every message, we send to you.
The basis in which we are able to contact you is called 'soft opt in', which applies when you have previously entered information on our website and provided your information to us. This is useful for many customers as it enables us to share related products and services similar to which you had requested previously.
You may also receive these types of communications from any providers we introduce you to, depending on their policies. This communication may continue for the duration of your product or service request to ensure your continued satisfaction.
If you register to use our services, we will obtain copies of your credit report and credit score on your behalf from a designated Credit Reference Agency (currently TransUnion). We will share your information with Credit Reference Agencies in order to provide these services to you. To view TransUnion International UK Limited's privacy policy please see: https://www.transunion.co.uk/ .
Your personal information is stored on our secure servers.
Your information may be transferred to countries outside the European Economic Area (EEA) as part of our Services. If we transfer your information outside of the EEA in this manner, we will take appropriate security measures to ensure that your privacy rights continue to be protected as outlined in this Policy.
The length of time we keep your information is determined by the reason it was provided. Your data will not be kept indefinitely, but only for as long as necessary for legitimate business reasons (for example, to provide you with our Services or for the other reasons explained above) and to comply with our legal and regulatory obligations.
The personal information we receive when you make an application and/or sign up to our subscription service is kept for a minimum of six years, beginning when the relationship ends. We are required to do so to ensure that if any disputes or complaints are raised, we have your information to address the complaints or disputes.
If you request that we not contact you for advertising or marketing purposes, we must keep your information because it reflects your preferences.
To request details relating to your personal data retention, please email us at [email protected] .
You have the following rights regarding the processing of your personal data, given to you through legislation:
The right to be informed
You have a right to be informed about how your personal data is processed in a concise, transparent, intelligible, and easily accessible manner, written in clear and plain language, that is free of charge. This is the purpose of this Privacy Policy.
The right of access
You have the right to obtain confirmation that your data is being processed and to have access to that personal data. You can request this using the contact details here.
The right to rectification
You have the right to have your personal data rectified if it is incorrect or incomplete or needs updating and we must notify any third parties that we have shared your data to do the same. You can request this using the contact details here.
The right to erasure
You have a “right to be forgotten”, or to have your personal data erased and to prevent processing. The right is not absolute and in certain circumstances this may not be possible (for example where we have to keep your personal data for legal or regulatory reasons). We must notify any third parties that have been shared your data of your request. You can request this using the contact details here.
The right to restrict processing
You have the right to ‘block’ or suppress the processing of your personal data. This does not stop the storing of your personal data, as it may be required to restrict processing in the future. We must notify any third parties that have shared your data of your request. You can request this using the contact details here.
The right to data portability
You have the right to obtain and reuse your personal data for your own purposes across different services in a safe and secure way, without hindrance to usability. You can request this using the contact details here.
The right to object
You have the right to object to processing based on legitimate interests or the performance of a task in the public interest/exercise of official authority (including profiling); direct marketing (including profiling); and processing for purposes of scientific/historical research and statistics. You can request this using contact details here.
Rights in relation to automated decision making and profiling
You have a right to object to automated decision making, to express your point of view, ask for human intervention, and to be provided with an explanation of the decision with your option to challenge it. You can request this using the contact details here.
The right to withdraw consent
If you have given us explicit consent to process your personal data you have a right to withdraw that consent at any time, including but not limited to the removal of consent to be contacted for marketing purposes. You can request this using the contact details here. You can do this by contacting [email protected] .
The right to lodge a complaint with a supervisory authority
You have the right to lodge a complaint with us directly and / or with a supervisory authority. In the UK the relevant authority is the Information Commissioner’s Office (ICO). You can find their contact details here: https://ico.org.uk/global/contact-us/
You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you. Please contact us at [email protected] .
You can view our Cookie Policy here .
If you have a question about our services, please check our FAQ section first. If that does not answer your question, please contact us at [email protected] .
If you have any queries or concerns relating to our privacy policy then please send an email to our Compliance Team or our Data Protection Officer at [email protected] or write to us at Sure Credit, 124 City Road, London, EC1V 2NX.
If you call us at the phone numbers listed on our website or in advertising/marketing/correspondence material, your call may be recorded for training, quality, and regulatory purposes, and our Call Centre may have access to some of your personal information in order to provide you with our service. We take pride in providing comprehensive customer service, which enables us to constantly improve and monitor our customer experience.
We reserve the right to make changes to this Privacy Policy at any time. You should revisit this page on a regular basis to see our most recent policy.