Privacy Policy \\

Basic Personal and Contact Information

When you utilise Runpath Services, we will ask you to provide some contact information. Contact information may include some or all of the following:

Full Name

Residential Address

Previous Residential Address(es)

Residential Status

Date of Birth

Landline Phone Number

Mobile Phone Number

Email Address

We will only retain your Basic Personal and Contact information for as long as there is a continuing need to retain it.

Payment Information

For the purposes of completing a switch using Runpath’s gas and electricity comparison service, we will ask you to provide some payment information. Payment information may include some or all of the following:

Bank Details

Runpath is only acting as a data processor for this data. Your chosen energy supplier is the data controller and you should read their privacy policy for more information.

We will only retain your Payment Information for 90 days

Device and Interaction Information

We (Ourselves, via the use of cookies, and via third parties including Adobe Analytics and Google Analytics, whose privacy policies can be viewed here: https://www.adobe.com/uk/privacy/policy.html; https://policies.google.com/privacy?hl=en-GB&gl=uk) may collect certain data automatically about your visit to our website, or use of our Services. This may include but is not limited to the following data:

• How you connect to the internet and how you engage with our site.
• Browser data stored on your device (such as cookies - see further details below).
• Location data determined using an anonymised version of your IP address, or location information from your mobile device or web browser.
• Information about your web browser such as browser type, browser language, advertising identifier.
• Information about your device such as device type, operating system, connection speed, internet service provider, and display settings (such as screen size and resolution).
• Your web browsing activity on our services, including the URLs and names of the web pages you visit on our site, time of day of your visit, time spent on each page, and what you do on them including whether you clicked on link, image or text on our site or downloaded a file, image, etc.
• The URL of the page that displayed the link that you clicked on, which brought you to our website and the web search you performed that led you to our website.
• Social network profile information.
• Information you may provide on our app, or when interacting with that company’s social media pages, such as information you provide on forms.

We do not use any of this data to identify you. It is stored anonymously and used to improve our services and track sales.

We will only retain your device and interaction information for as long as there is a continuing need to retain it.

IP Address

We will process your IP address in order to allow us to identify legitimate clicks across our services. We need to do this to allow our business to function and so that we can provide the service to you. They are never used to identify you.

We will only retain your IP address for as long as there is a continuing need to retain it.

Credit Information

We will collect credit information data from Credit Reference Agencies in order to provide your eligibility results as part of the following services:

• Runpath Regulated Services Limited’s SmartSearch;
• Forbes’ eligibility checker for credit cards and unsecured loans;
• CompareTheMarket’s eligibility checker for credit cards and unsecured loans; and
• GoCompare’s eligibility checker for credit cards, unsecured loans and secured loans.

This credit information may include (but is not limited to) some or all the information contained in your credit report (including details of credit accounts held and repayment performance as well as public information such as inclusion on the electoral roll, bankruptcies and county court judgements), your credit score or score band.

We also store your eligibility scores for products or services which we generate using your credit information and information from the providers or those products and services.

We will only retain your credit information for as long as there is a continuing need to retain it, this may be up to 1 year. Companies we share your data with may store your Credit Information for longer than this. If your Credit Information has been shared with Experian Limited for the purpose of generating an eligibility score they will store it for 2 years. For further information, see the “For eligibility” section in How do we use your information?

Data Collected From Previous Searches

As part of Compare the Market Limited's MyCTM service, previous details you provided to conduct a search for credit card and loan products on its website will be stored for the purpose of providing an eligibility score.

We will only retain this data for as long as there is a continuing need to do so.

Sales Accreditation Data

As part of the comparison services for financial products, we may collect data from the provider or broker from whom you take out a product via our website. This data may include the status and outcome of your application and details of the product you took out.

We will only retain your Sales Accreditation Data for as long as there is a continuing need to retain it.

Application and Server Logs

We store logs of activity on our applications. This is not tied to a user but does include the IP address that activity originated from. We use this information to identify and fix issues, to identify and prevent fraud and security issues.

We will only retain logging information for 30 days.

Other

Finally, we also collect, or you provide, in certain services and/or circumstances:

Car registration number

Time at Address

Salary/Income

Employer name

Employment title

Employment industry

Employment status

Employment duration

Gas & Electricity Meter Numbers

Gas & Electricity Usage

Number of People Financially Dependent on You

Monthly Mortgage or Rent Payment

Marketing Preferences

If you require a cash advance

We will only retain your Other information for as long as there is a continuing need to retain it. Not all businesses will use all the information you provide.

Cookies

If your browser is set up to accept them, we also use a feature known as a cookie. Cookies contain bits of information that websites transfer to your computer’s hard drive for record keeping purposes. Cookies can make the web more useful by storing information about your preferences on a particular site.

Some of the cookies listed are managed for us by third parties. Where this is the case, we do not allow the third party to use the cookies for any purpose other than those listed.

Accepting these cookies is a condition of using the website. So if you prevent them, we cannot guarantee how our site will perform for you.

Most web browsers automatically accept cookies. However, you do not have to accept cookies and you can, should you choose to at any time, reject or block the use of cookies and delete all cookies currently stored on your device. You can find out how to do this for your particular browser by clicking “help” on your browser’s menu, or by visiting: www.allaboutcookies.org.

The promoter or introducer to this service may implement their own cookies and you should look at their individual privacy policies for more details. You can usually find this at the very bottom of the web page; there may be a separate policy for cookies. Runpath does not use cookies for the purposes of targeting ads, but the promoter or introducer of a Runpath service might.

Advertising networks that serve ads on our services may also use cookies, but please note that we neither control nor have access to those cookies. These advertisers’ uses of cookies are subject to their own privacy policies and not that of Runpath.

The cookies used by Runpath can be categorised according to the International Chamber of Commerce guide for cookie categories:

• Strictly Necessary cookies allow you to move around our services and use essential features i.e. they let our services work.
  We use Strictly Necessary cookies to remember things like information you have entered on order forms when you navigate to different pages in a single web browser session.
  Strictly Necessary cookies will not be used to gather information that could be used to advertise products or services to you or remember your preferences or username beyond your current visit. Accepting these cookies is a condition of using the services, so if you prevent these cookies, we cannot guarantee your security or predict how our website will perform during your visit.
• Performance cookies collect information about how you use our services e.g. which pages you visit and if you experience any errors. These cookies do not collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users and measure how effective our advertising is.
  We use Performance cookies to provide statistics on how our services are used: to see how effective our ads are; to help us improve our services by measuring any errors that occur and to test different designs.
  Performance cookies will not be used to gather information that could be used to advertise products or services to you on other websites, remember your preferences or username beyond your current visit or target ads to you on any other site.
• Functionality cookies are used to provide services or to remember settings to improve your visit.
  We use Functionality cookies to show when you are logged in to a service and to display content you have expressed a preference to see.
  Functionality cookies will not be used to target you with ads on other websites.

To enable you to access our website and use our services

We will use your information to accept you as a new/returning customer and continue to provide you with our products and services.

To process payments

We will only collect this information in order to pass it to the energy company for the purposes of processing your energy switch.

To provide and improve customer support

We will use your information to be able to provide and improve the customer support we provide to you.

For internal training purposes

We will use your information to ensure that our team has the knowledge and expertise to ensure we provide the best possible experience to you when you interact with us.

For fraud investigation

We will use your information for fraud investigation in relation to any requests made by government agencies. We will disclose any information we have in our possession to law enforcement or government officials in response to any inquiry or investigation; or if in our sole discretion, we believe that it is necessary or appropriate in connection with any investigation or activity that is illegal.

For reporting and analytical purposes

We will use your information for reporting and analytical purposes to enable us to improve our products and services and provide appropriate levels of support to our customers.

For market research

Runpath may select particular customers and invite them to be involved in market research. If you accept this invitation, we will use the feedback you give us to improve our products and services.

To track activity on our website

We will use your information to track your activity on our websites to help us better understand your interests and how you interact with us. We will also use this information to better engage with you and to ensure that you get the best service we can provide and improve the products in the future.

To maintain our records and other administrative purposes

We will use your information to ensure that we maintain comprehensive and up to date records of the ways we process your personal information and other operational activities. Therefore, we will use the information you provide for record-keeping, updates and general administrative purposes.

For complaint and dispute resolution

We will try to make sure that you are happy with the service we provide and do not feel the need to complain. However, if you do complain to us, we will use the information we have about you to help us manage your complaint and to bring it to a close.

To comply with the law

Like any other business, we are required to comply with many laws and regulations. We will, where necessary, use your information to the extent required to enable us to comply with these requirements.

For eligibility

Runpath will retrieve and use your credit information (as described in the What information do we collect? section above) from one of the three main Credit Reference Agencies. This information will be used to help generate your eligibility rating for products or services or notify you of other credit opportunities, products and services that may be available to you. The eligibility rating is to help you understand whether you are likely to be accepted based on the provider’s criteria. We use this information as part of the following services:

• Runpath Regulated Services Limited’s SmartSearch;
• Forbes’ eligibility checker for credit cards and unsecured loans;
• CompareTheMarket’s eligibility checker for credit cards and unsecured loans; and
• GoCompare’s eligibility checker for credit cards, unsecured loans and secured loans.

Publicly held data, including the electoral roll and shared credit performance data, may be used to support the generation of an eligibility rating. If you have a financial associate, their data may also be provided.

A Credit Reference Agency is a company that collects personal information from various sources and provides that personal information for a variety of uses (including to prospective lenders for the purposes of making credit decisions). More information about each Credit Reference Agency can be found in the “Credit Reference Agencies” section of Who do we share your personal information with?

In some cases, the eligibility result for a particular product or service will be generated by Experian Limited (Runpath Regulated Services Limited is part of the Experian group of companies). If this is the case, they will store your Credit Information (including your eligibility rating[s]) for 2 years in order to respond to any queries or disputes related to the scores. Experian Limited will also store your credit information for up to 30 days after it was collected to re-use it if you request another eligibility check via the same site. This means we will not have to request the data from the Credit Reference Agency Bureau repeatedly.

In some cases, the eligibility result for a particular product will be generated by the product provider utilising: the information we collect about you; the information they hold about you; and information from Credit Reference Agencies. To find more information about these providers, see the “SmartSearch credit providers and brokers” and “Regulated Mortgage Contract providers and brokers” sections in Who do we share your personal information with?

When the Credit Reference Agency receives a search from us, they will place a quotation search footprint on your credit report. This search will not affect your ability to gain credit.

If you choose to apply for a product, the lender will undertake a credit check and provide you with further privacy information for that product.

It is important to note that there may be other products available from lenders who are not represented by this service.

To provide you with information of a recent eligibility search

When you use Runpath's SmartSearch eligibility check service for credit cards and loans on the GoCompare website, we will send you an email that summarises your results if you did not apply for a product after completing your search. This email will only be sent if you have consented for us to do so.

For credit application pre-population

When you use Runpath’s SmartSearch eligibility check services for Credit Cards, Loans and Car Finance, or Forbes' credit card and loan eligibility check service, we may share your data with specific brokers, lenders and providers of credit and financial products to pre-populate the application form on their website.

For Reward Scheme validation

Runpath will use your data to confirm your eligibility for certain rewards schemes. This may include your data being shared between us, the provider from whom you took out a product and the introducer or promoter to our service. This allows the introducer or promoter who runs the reward scheme to confirm your eligibility.

For Broker enquiries

To enquire about or apply for certain loans and mortgages on our comparison sites, you may need to talk to a broker; If this is the case, we will ask for your permission to send your name and contact details to them. Your details will only be sent to the broker of your chosen product.

 

Further uses of your personal information not described in this Privacy Policy

If we use your personal information for any purposes that are not set out in this Privacy Policy, we promise to let you know exactly what we will use it for before we go ahead and use it.

• To enable you to access our website and use our services, we rely on the legal basis of performance of a contract.

• To process payments, we rely on the legal basis of performance of a contract.

• To provide and improve customer support, we rely on legitimate interests to ensure we provide the best possible experience to you when you interact with us.

• For internal training purposes, we rely on the legal basis of legitimate interests to ensure we provide the best possible experience to you when you interact with us.

• For fraud investigation, we rely on the legal basis of legal obligation.

• For reporting and analytical purposes, we rely on the legal basis of legitimate interests to improve our products and services and provide appropriate levels of support to our customers.

• For market research, we rely on the legal basis of legitimate interests to improve our products and services for our customers.

• To track activity on our website, we rely on the legal basis of legitimate interests to engage with you and to ensure that you get the best service we can provide.

• To maintain our records and other administrative purposes, we rely on the legal basis of performance of a contract.

• For complaint and dispute resolution, we rely on the legal basis of performance of a contract.

• To comply with the law, we rely on the legal basis of legal obligation.

• For eligibility, we rely on the legal basis of performance of a contract or legitimate interest to provide the service you have requested.

• For credit application pre-population, we rely on the basis of legitimate interest to provide the service you have requested.

• For reward scheme validation, we rely on the legal basis of performance of a contract or legitimate interest to provide the service you have requested.

• For broker enquiries, we rely on the legal basis of performance of a contract or legitimate interest to provide the service you have requested.

1. Group companies

Runpath Group Ltd (of which Runpath Regulated Services Limited is a wholly owned subsidiary) is the organisation responsible for providing the technology and data to Runpath Regulated Services that enables our comparison services to function.

Runpath Group Ltd is a wholly owned subsidiary of Experian Limited. Experian Limited provides technology that helps us generate eligibility ratings (as described in the “For eligibility” section of “How do we use your information?”). We share information you have supplied to us with Experian Limited (this may include data stated in the “Basic Personal and Contact Information”, “Credit Information” and “Other” sections described in “What information do we collect?”) and they process that information, along with your Credit Information sourced from Credit reference Agencies, to generate eligibility scores. Experian Limited will store your information for 2 years. You can learn more about how Experian Limited processes personal information in their Privacy Policy https://www.experian.co.uk/consumer/privacy.html.

In addition to the processing described above, Experian Limited is a Credit Reference Agency. See the “Credit Reference Agencies” section below for more details about the processing Experian Limited undertakes in that capacity.

2. Suppliers

We use a number of service providers to support our business and these service providers may have access to our systems in order to provide services to us and/or you on our behalf.

3. Introducers and promotors

We will sometimes pass on the information we hold about you to the company who introduced or promoted our services to you.

4. SmartSearch credit providers and brokers

We will pass the information we hold about you to the following credit providers and brokers as part of these services:

• Runpath Regulated Services Limited’s SmartSearch;
• Forbes’ eligibility checker for credit cards and unsecured loans;
• CompareTheMarket’s eligibility checker for credit cards and unsecured loans; and
• GoCompare’s eligibility checker for credit cards and unsecured loans.

We share this data for these reasons:

• Providing your eligibility results;
• Those set out in the lender’s terms and conditions and/or its privacy policy relevant to the product you are searching for;
• Assisting you in completing your application to the lender (which may include pre-populating the application form on their website) – lenders we do this for are listed at the bottom of this section;
• Contacting you regarding credit and financial products; and
• Complying with any contractual, legal and/or regulatory obligations.

If you want to find out how these businesses process your data, you should read their Privacy Policy (sometimes called a Privacy Notice or Privacy Statement). You can usually find this at the bottom of their web pages.

“118 118 Money” - 118 118 Money is the trading name of Madison CF UK Limited. Company No: 08393840. Registered office: Euston House, 24 Eversholt Street, London, NW1 1DB. Madison CF UK Limited is authorised and regulated by the Financial Conduct Authority (FRN 741774). Madison CF UK Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 for the provision of payment services. For more details, please visit https://www.118118money.com/.

"1st Stop Loans" - 1st Stop Personal Loans Limited (Company Number 08457740) is part of The 1st Stop Group (Company Number 05438114). Registered in England and Wales. Registered Office: 10 Whitehills Business Park, Blackpool, Lancashire FY4 5LW. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 723751). For more details, please visit https://www.1ststop.co.uk/personal-loans/.

"Admiral" - Admiral One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited. Registered in England and Wales No. 10255225. Registered Office: Tŷ Admiral, David Street, Cardiff. CF10 2EH. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://www.admiral.com. Admiral can hold data you provided to generate a quote for one of its products for up to 90 days as required by law for the purposes of anti-money laundering or fraud prevention.

"Appro Loans" - Appro Loans is a trading name of Oakbrook Finance Limited. Registered in England and Wales No. 07831517. Registered Office: The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://approloans.com/.

"Bamboo" - Bamboo Limited. Registered office: 1st Floor, Grenville House, Nelson Gate, Southampton, SO15 1GX. Registered in England. Company Number: 05629336 Data Protection Act: Z1380902. Authorised and regulated by the Financial Conduct Authority: FRN 720565. For more details, please visit https://www.bambooloans.com/.

"Capital One" - Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX. Registered in England and Wales. Company Number: 3879023. Authorised and regulated by the Financial Conduct Authority. Register Number 204440. For more details, please visit https://www.capitalone.co.uk/.

"CarFinance 247" - CarFinance 247 is a trading name of CarFinance 247 Limited, a credit broker and insurance intermediary, and 247 Money Group Limited (247 Money), a lender. Both companies are part of the 247 group of companies. Registered in England No. 06035525. Registered Office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://www.carfinance247.co.uk

“Chetwood” - Chetwood Financial Limited is registered in England and Wales, under company number 09964966. Chetwood Financial Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 740551. Registered with the Information Commissioner's Office, under registration ZA218401. Offices are at Ellice Way, Wrexham Technology Park, Wrexham, LL13 7YT. For more details, please visit https://chetwood.co/.

"Creditplus" - Creditplus is a trading name of Whichdeal Limited. Registered in England No. 04997789. Registered Office: 52 Willis Way, Poole, BH15 3SY. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://www.creditplus.co.uk

"Evolution Funding" - Evolution Funding Ltd is registered in England and Wales No. 11354996. Registered Office: Thompson Close, Chesterfield, S41 9AZ. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://web.evolutionfunding.com

"Lendable" - Lendable Ltd company number 08828186 (previously Feather Media Ltd). Authorised and regulated by the Financial Conduct Authority (FCA) with reference. Registered with the Information Commissioner's Office in compliance with the Data Protection Regulations 2018 under registration ZA041704. Registered office at 128 Shoreditch High Street, London, E1 6JE. For more details, please visit https://www.lendable.co.uk/.

"Lending Works" - Lending Works Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 723151). Registered with the Information Commissioner's Office (ICO) (registration number ZA002001). Lending Works Limited is registered in England and Wales (company number 8302549) and its registered office is at 60 Gray's Inn Road, London, WC1X 8AQ. For more details, please visit https://www.lendingworks.co.uk.

"Likely Loans" - Likely Loans is a trading name of Oakbrook Finance Limited. Registered in England and Wales No. 07831517. Registered Office: The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://likelyloans.com/.

"Moneybarn" - Moneybarn is the trading style of Moneybarn No. 1 Limited. Registered in England and Wales No. 04496573, and Moneybarn Limited, a company registered in England and Wales No. 02766324. Registered Office: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://www.moneybarn.com

“My Community Finance” - My Community Finance is the registered trading name of Amplifi Capital (UK) Ltd [Amplifi] with UK company number 08641995 and registered address 3 Waterhouse Square, 138-142 Holborn, London, EC1N 2SW. Amplifi Capital (U.K.) is authorised and regulated by the Financial Conduct Authority. FRN 718749. Amplifi is registered with the Information Commissioner’s Office under the Data Protection Act 1998, registration number ZA040320. Amplifi partners with the Community Finance Network; the Community Finance Network. Participating Credit Unions are authorised by the Prudential Regulation Authority (Bank of England) and regulated by the Financial Conduct Authority. Participating CDFIs are regulated by the Financial Conduct Authority. For more details, please visit https://www.mycommunityfinance.co.uk/.

"Oodle Cars" - Oodle Cars is the trading name of Oodle Financial Services Limited. Registered in England and Wales No. 07277272. Registered Office: One Callaghan Square, Cardiff CF10 5BT. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://www.oodlecars.co.uk

"RAC" - RAC Loans and RAC Flexiloans are provided by Shawbrook Bank Limited, Registered Office: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Registered in England, Company Number 388466. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more details, please visit https://www.shawbrook.co.uk/privacy-notice/.

“RateSetter” - RateSetter is a trading name of Retail Money Market Ltd (Company No. 7075792). Registered office is at 6th Floor, 55 Bishopsgate, London, EC2N 3AS. Authorised and regulated by the Financial Conduct Authority (Ref. 722768). For more details, please visit https://www.ratesetter.com/.

"Saga" - Saga Personal Loans are provided by Shawbrook Bank Limited. Registered in England and Wales under number 388466 whose registered office is at Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more details, please visit https://www.shawbrook.co.uk/.

"Salary Finance" – Salary Finance Limited (Company No. 09677777). Registered office is at Scale Space, 58 Wood Lane, London, W12 7RZ. Authorised and regulated by the Financial Conduct Authority (Reference number 758053). For more details, please visit https://www.salaryfinance.com/uk/

"Shawbrook Bank" - Shawbrook Bank Limited. Registered Office: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE. Registered in England, Company Number 388466. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more details, please visit https://www.shawbrook.co.uk/.

"Zopa" - Zopa Limited is incorporated in England & Wales (registration number 05197592), with its registered office at 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG. For more details, please visit https://www.zopa.com/.

"Zuto" - Zuto Limited is registered in England and Wales No. 05722976. Registered Office: Winterton House, Winterton Way, Macclesfield, SK11 0LP. Authorised and regulated by the Financial Conduct Authority. For more details, please visit: https://www.zuto.com

We will pass the information we hold about you to the following credit providers and brokers to assist you in completing your application to the lender (which may include pre-populating the application form on their website), if you choose to click out to their products from our product tables:

• 118 118 Money
• 1st Stop Loans
• Admiral
• CarFinance 247
• Chetwood
• Creditplus
• Evolution Funding
• Lending Works
• Moneybarn
• My Community Finance
• Oodle Cars
• RateSetter
• Salary Finance
• Shawbrook Bank
• Zopa
• Zuto

5. Regulated Mortgage Contract providers and brokers

We will pass the information we hold about you to certain brokers and providers of regulated mortgage contracts when you select products in our mortgages and secured loans comparison centres in order for them to help you select an appropriate product:

If you want to find out how these businesses process your data, you should read their Privacy Policy (sometimes called a Privacy Notice or Privacy Statement). You can usually find this at the bottom of their web pages.

“L&C” – London & Country Mortgages Ltd. Registered Office: Beazer House, Lower Bristol Road, Bath, BA2 3BA. Registered in England and Wales under company number 1988608. Authorised and regulated by the Financial Conduct Authority. For more details, please visit https://www.landc.co.uk/.

“Fluent Money” – Fluent Money Ltd. Registered Office: 102 Rivington House, Chorley New Road, Horwich, Bolton, Lancashire, BL6 5UE. Registered in England and Wales under company number 06200496. Authorised and regulated by the Financial Conduct Authority. For more details please visit https://www.fluentmoney.co.uk/. Fluent Money will keep your contact information for up to a year if you request a call back them from within our services (they may keep your data for longer if you agree to their Privacy Policy).

“The Loans Engine” – The Loans Engine is a trading name of Central Loans Limited. Registered Office: St Crispins House, Duke Street, Norwich, NR3 1PD. Registered in England and Wales under company number 4205508. Authorised and regulated by the Financial Conduct Authority. For more details, please visit https://www.theloansengine.co.uk/.

“Norton Finance” – Norton Finance is a trading style of Norton Financial Services Limited. Registered Office: Norton Finance, Norton House, Mansfield Road, Rotherham, South Yorkshire, S60 2DR. Registered in England and Wales under company number 1703503. Authorised and regulated by the Financial Conduct Authority. For more details, please visit https://www.nortonfinance.co.uk/.

6. Credit Reference Agencies

We will pass the information we hold about you to Credit Reference Agencies and source information about you from them, as described in the “For eligibility” section of “How we use your information” above.

The Credit Reference Agencies are:

TransUnion:

• www.transunion.co.uk/crain

Equifax:

• www.equifax.co.uk/crain

Experian:

• www.experian.co.uk/crain

You can contact any of the Credit Reference Agencies if you wish to obtain a copy of your credit report:

Experian, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF or call 0800 013 8888 or log on to www.experian.co.uk.

TransUnion, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 024 7574 or log on to www.transunion.co.uk/consumer-solutions.

Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS or log on to www.econsumer.equifax.co.uk/consumer/uk/showmyequifax.ehtml.

7. Fraud prevention agencies

We will check your details with the records we hold and share with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, we will record this and details will be passed to the other fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering. For example, when:

• Checking details on applications for credit and credit related or other facilities.
• Managing credit and credit related accounts or facilities.
• Checking details on proposals and claims for all types of insurance.
• Checking details of job applicants and employees.

Please contact us at Runpath Regulated Services Limited, The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ if you want to receive details of the fraud prevention agencies.

We and other organisations may access and use the information recorded by fraud prevention agencies from other countries.

8. Public bodies, law enforcement and regulators

The police and other law enforcement agencies, as well as public bodies such as local and central authorities, can sometimes request personal information. This may be for the purposes of preventing or detecting crime, apprehending or prosecuting offenders, assessing or collecting tax, investigating complaints or assessing how well a particular industry sector is working.

9. Individuals

You can obtain a copy of the information we hold about you. To do this, please email DSAR@runpath.com.

While countries in the European Economic Area all ensure rigorous data protection laws, there are parts of the world that may not be quite so rigorous and do not provide the same quality of legal protection when it comes to your personal information.

To make sure we keep your personal information safe, we apply strict safeguards when transferring it overseas. For example:

1. Sending your personal information to countries approved by the European Commission as having high quality data protection laws, such as Switzerland, Canada and the Isle of Man.
2. Putting in place a contract that has been approved by the European Commission with the recipient of your personal information that provides a suitable level of high-quality protection.
3. Sending your personal information to a member organisation approved by the European Commission as providing a suitable level of high-quality protection. For example, the Privacy Shield Scheme that exists in the United States Of America.

You can ask for access to the personal information we hold about you and request that we correct any mistakes, restrict or stop processing or delete it. We will assess your request and, subject to legal or overriding requirements to keep it, we will act on your request. It is worth noting that in some cases if you do ask us to correct, delete or stop processing it, we will not always be required to do so. If that is the case, we will explain why. To request a copy of the personal information we hold about you, please email DSAR@runpath.com.

In certain circumstances (e.g. where you provide your information to us (a) with consent to process it or (b) where the processing is necessary for the performance of our contract with you), you can request that we provide the information we hold about you either to you or a third party in a commonly used format. This only applies if we are processing it using automated means. If you would like more information about this, let us know by emailing DSAR@runpath.com.

We restrict access to your personal data to those employees, and third parties, who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your personal data, including sophisticated encryption technology when storing and communicating your data.

Runpath’s hosting provider, where your data is stored, is accredited with internationally recognised security standards including ISO 27001 and SOC 1 & 2.

Basic Personal and Contact Information

Your basic personal and contact information, such as names and addresses, are kept while there is a continuing need for us to have it.

If your basic personal and contact information has been shared with Experian Limited for the purpose of generating an eligibility score, it will store it for 2 years.

Payment Information

Payment information such as your bank details are only kept for 90 days.

Device and Interaction Information

Device information such as how you connect to the internet and screen resolution are kept while there is a continuing need to retain it.

Credit Information

We will store your credit information, such as your credit score, for as long as there is a continuing need to retain it. This may be up to 1 year.

If your credit information has been shared with Experian Limited for the purpose of generating an eligibility score, it will store it for 2 years.

Sales Accreditation Data

Sales accreditation data, such as the outcome of an application, are kept while there is a continuing need to retain it.

Application and Server Logs

Application and server logs are only kept for as long as there is a continuing need to retain them.

Other

Other information, such as time at address, salary/income, employment status and employment duration, are kept while there is a continuing need to retain it.

In all of these cases, our need to use your personal information will be reassessed on a regular basis. Information which is no longer required for any purposes will be deleted/disposed of securely.