Privacy Statement
This Privacy Statement co-exists with our Terms and Conditions and together these govern the general practices of this site. We encourage all of our users to familiarise themselves with this statement and our site Terms.

Once you choose to provide us personally identifiable information (any information by which you can be identified), you can be assured that it will only be used to support your customer relationship with Phone a Loan.

Phone a Loan provides this Online Privacy Statement to make you aware of our Privacy Statement, practices and of the choices you can make about the way your information is collected and used.
Phone a Loan uses your information to better understand your needs and provide you with better service. Specifically, we use your information to communicate back to you, to update you on service and benefits, and to personalise our website for you.

Details you supply may be used in order to advise you from time to time (by post, telephone, email or other means) about products and services which may be of interest from Phone a Loan and any other carefully selected providers, or to conduct market research. If you do not wish to receive such contact please write to us at the address: Phone a Loan, Marketing Department, Bracken House, Charles Street, Manchester, M1 7BD.

We may disclose your personal information to;

• Regulatory bodies to ensure that we are processing information correctly and complying with regulatory requirements.
• Other legal authorities if required by law.
• A lender or lenders in accordance with your application.
• Another broker if we are not able to arrange finance for you.
• Another broker in the future with a view to them offering you products they feel may be of interest to you.
• Other carefully selected companies who provide products and services that we feel may be of interest to you.

Phone a Loan will not use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without first requesting your permission.
By using this site, you signify your assent to the Phone a Loan Privacy Statement. We reserve the right, at our discretion, to change, add or remove portions of this Privacy Statement at any time. Please check this page periodically for changes. Your continued use of the Phone a Loan site following the posting of changes to this Statement means you accept the changes we make.

Security Statement
Phone a Loan is committed to ensuring the security of your information. To prevent unauthorised access or disclosure, maintain data accuracy, and ensure the appropriate use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

If you send us an e-mail from your private mailbox, we cannot guarantee the security of the content. For that reason, please do not send an unsecured e-mail with confidential information such as your National Insurance or bank account numbers.

Likewise, if we send an e-mail to your mailbox, for example to reply to an enquiry, once the e-mail has left us, we cannot guarantee it will stay private. This means that we do not accept responsibility for the security of e-mails outside our systems, or accept liability if anything happens to your e-mail (for example, if they are intercepted,) outside our systems.

If you ask us to email you information that is personal or confidential, we may need to ask you for extra information to check your identify and to give your authority to send that information to you. We have to do this under the Data Protection Act.

Legal Disclaimer
The Site is controlled and operated by Phone a Loan Ltd from the United Kingdom and complies with English law. Only UK residents may apply for any of the services on offer. Further terms and conditions will apply. Those who choose to access the Phone a Loan website from other locations do so on their own initiative and are responsible for compliance with any applicable local laws.

No material from this website may be copied, uploaded, posted, modified or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, home use only, provided you keep intact all copyright and other proprietary notices. The use of any such material on any other website or computer environment is prohibited.

It is a condition of use of this website that you accept and agree to the following terms and conditions of Phone a Loan. No other terms shall apply unless stated.

We reserve the right, at our discretion, to change, add or remove portions of this Legal Disclaimer at any time. Please check this page periodically for changes. Your continued use of the Phone a Loan website following the posting of changes to this Statement means you accept the changes we make.

By proceeding to enter the website you agree to be bound by the following:

While Phone a Loan uses reasonable efforts to include accurate and up to date information in this website, we make no warranties or representations as to its accuracy. Phone a Loan assumes no liability for any errors or omissions in the content of the website.

Further terms and conditions apply in respect of all services offered or described on this website. These are available to view at the appropriate location on this website.

Terms of Use
This website is offered as a free service to you. Your use of this website constitutes your agreement to all the terms of use contained in this document and the Data Protection Act.

1. This website is owned by Phone a Loan Ltd and is protected by copyright. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of Phone a Loan at all times.

2. You shall not copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

3. We may make improvements or changes to the products, services and APR rates detailed on this website at any time without notice.

4. Whilst we retain the right to establish any hypertext links *between this website and any third party website at our discretion, you agree that you will not create any hypertext links or deep links between this website site and any third party site without our express written consent.

5. If you choose to use such a link as detailed in Clause 4 then you will leave this website. Once you leave this website, whether or not you realise that you are leaving, we are no longer in any way responsible for the material on the other website that you enter. We exclude to the fullest extent permitted by law all liability that may arise in connection with or as a result of such external website material causing any damage, costs, injury of financial loss of any kind.

6. If saving your application, you must not disclose to or allow any other person to use your username and password to retrieve your application.

7. You agree that you will not use this website to:

1. Commit or encourage any criminal offence;
2. Send or receive any material which is offensive, or which may be abusive, indecent, obscene or menacing, or in breach of confidence, copyright, privacy or any other rights. In the event we believe any material falls within any or all of these categories we shall be entitled to remove it;
3. Collect or store personal data about other users;
4. Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website;
5. Upload, post, e-mail or otherwise transmit or post links to any content that facilitates hacking;
6. Hack into any aspect of this website;
7. Upload, post, e-mail or otherwise transmit links to any content that infringes the intellectual property rights of any third party;
8. Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website;
9. Cause annoyance to other people accessing this website;
10. Send any unsolicited advertising or other promotional material, commonly referred to as 'spam', 'junk mail', 'chain letters', 'pyramid schemes' or any other form of solicitation by e-mail or by any other electronic means;
11. Send e-mail or any other type of electronic message with the intention or result of affecting the performance or functionality of any computer facilities;
12. Permit any third party to do any of the above.

8. While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the website as soon as reasonably possible.

9. We neither warrant nor represent that your use of this website will not infringe the rights of third parties.

10. We are interested in protecting your personal information and we only use your personal information in accordance with the Data Protection Act.

11. You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against Phone a Loan for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.

12. These terms shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English Courts.

13. This site is controlled and operated by Phone a Loan from the United Kingdom. Phone a Loan makes no representations that materials in this website are appropriate or available for use in other locations.