Ladder Loans is a trading name of Instant Cash Loans Ltd, 6 Bevis Marks, London, EC3A 7BA. Registration Number: 2685515; Data Protection registration number Z6250344.
We understand that your privacy is extremely important to you. As a result we have put in place a number of measures to ensure that any personal data we obtain from you visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1998. This statement provides you with details of the type of information we may hold about you, how we obtain and use any information and how we protect your privacy.
1. OBTAINING INFORMATION
1.1 You are free to browse the website www.ladderloans.co.uk (the "Website") without providing any personal information (although, please see the "Cookies" section below).
1.2 We may as a result of your interaction with the Website, including the use of the "Live Chat" and "Blog" facilities, store and process your information on our computers, hard copy records and electronic media. By "your information" we mean personal and financial information we (a) obtain from you, or from third parties, such as credit reference agencies (CallCredit, Experian, Equifax, who may search the Electoral Register), or fraud prevention agencies when you apply for an account or any other product or service or which you or they give to us at any other time or (b) learn from the way you use and manage your account(s), from your transactions and from the payments made to your account.
1.3 If however you e-mail a question to email@example.com, or register your interest in our product(s), then it will be necessary for us to collect information about you in order to e-mail a reply or, respond to you.
1.4 The information that we usually collect is as follows:
1.4.1 Directly from you, via our online application form
Personal information such as:
- E-mail address
- Home address and residential status
- Telephone numbers if provided
- Date of birth
- The name of your employer
- Income details, including your pay dates
- Bank account details
- National Insurance number
- Any other information you choose to provide to us through your use of the "LiveChat" or "Blog" facilities.
1.4.2 From what you do on our site
This can show us for example which elements of the website you use most and least. (See also the "Cookies" section below)
1.4.3 From third parties
We may receive personal information from third parties so that we can offer our products and/or services to individuals who have been identified as potentially interested in such products and/or services. We are keen to ensure that any personal information received from third parties is accurate and we aim to check the accuracy of such information from time to time when we have contact with you.
2. USE OF COLLECTED INFORMATION
2.1 The information we collect about you will be recorded electronically and may be used in the following ways:
2.1.1 To verify your identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
2.1.2 To assess your credit history and confirm your employment details.
2.1.3 To detect, prevent and investigate actual and potential fraud and related activities.
2.1.4 To collect unpaid loans and debt that may be owed by you to us.
2.1.5 To develop, manage and market products and services to meet your needs, to contact you for products and services that may be of interest, to determine your eligibility for different products and services that you may be interested in.
2.1.6 To help us to administer and service your account with us.
2.1.7 To contact you in connection with your enquiry.
2.1.8 To extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
2.1.9 To update our website to better meet our clients' needs in the future.
3. SHARING YOUR INFORMATION WITH THIRD PARTIES
3.2 With your approval where required, we'll share your information with carefully selected third parties outside our group. We may do this for the following reasons:
3.2.1 To provide you with a loan. As brokers as well as direct lenders, our products and services are sometimes provided in conjunction with our business partners. It will therefore be necessary to disclose your information to them to provide you with the products and/or services you require.
3.2.2 To our agents, staff and approved third parties to carry out services for us.
3.2.3 To facilitate the processing and collection of direct debits or other payments due from you under the loan agreement, we may also share your personal data with third party payment processing service providers.
3.2.4 To provide you with information about special promotions and offers as referred to in the "Keeping You Informed" section below.
3.2.5 To protect us, our group of affiliated companies or others. We may share your information with third parties when we believe it is necessary to comply with the law or protect our or another person's rights, property, or safety. This includes exchanging information with third parties (such as other lenders, law enforcement agencies and regulatory authorities) to protect against fraud and reduce risks.
3.2.6 If there is (or is to be) any change in ownership of our business or assets then we may wish to share your information so that the new (prospective) owners may continue to operate our business effectively and continue to provide services to our customers. This may include new shareholders or any organisation that might take an assignment or transfer of any agreements we have entered into with our customers.
We will place appropriate obligations and restrictions on third parties to protect your details.
3.3 In some circumstances, your details may be passed to another lender (not necessarily within our group of affiliated companies) who may be able to offer you a payday loan, or other credit products. Please refer to the relevant pages within the loan application process for further information.
4. CREDIT REFERENCE & FRAUD PROTECTION AGENCIES
4.1 We may use credit reference and fraud prevention agencies to help us make decisions.
4.2 When you apply to us to open an account, we will check the following records about you and others (see 4.4 below):
4.2.1 our own;
4.2.2 those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.
4.2.3 those at fraud prevention agencies (FPAs).
4.3 We will make checks such as assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs in order to refresh our records and manage your account with us, including whether to make credit available or to continue or extend existing credit, focus the relevance of the marketing communications that we send to you, and/or ensure that we comply with our obligations regarding responsible lending.
4.4 If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
4.5 Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
4.6 If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention. Law enforcement agencies (such as the police, HMRC and other regulatory bodies) 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;
- Recovering debt;
- Checking details on proposals and claims for all types of insurance;
- Checking details of job applicants and employees.
4.7 If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
4.8 We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
4.9 Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
4.10 This section is a condensed explanation of how personal information is used for credit referencing and fraud prevention purposes. If you would like to read the full details of how your credit reference data may be used please refer to "A Guide to the use of your personal information by Ladder Loans and at Credit Reference and Fraud Prevention Agencies" by clicking here.
4.11 You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee, currently £2.00.
- CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
- Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
- Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk
4.12 Please contact our Data Protection Officer (see "Contact Our Data Protection Officer" below) if you want to receive details of the relevant fraud prevention agencies.
5. USE OF YOUR INFORMATION OUTSIDE OF THE UK
6. METHODS OF CONTACT
Unless you have advised us to the contrary, both we and any other broker, lender or third party referred to above may contact you by telephone, SMS, post, e-mail, fax or automated message. (Please see the 'Keeping You Informed' section below regarding how you may be contacted for direct marketing purposes).
7. HOW LONG DO WE KEEP YOUR INFORMATION?
7.1 How long we keep your information for depends on the basis on which it was provided, generally however:
7.1.1 We will keep the information that is necessary to enable us to provide you with a service that you have requested through this website for as long as it takes us to provide that service.
7.1.2 If you have asked that we do not use your details for marketing purposes, we may still need to keep them to ensure our systems reflect your preferences.
7.1.3 We will generally keep records of any transactions you enter into on this website for a minimum of six years from the end of the relationship. This is so that we can respond to any complaints or disputes that arise in that period. Otherwise we will keep the information where appropriate for legitimate business needs.
7.1.4 We will keep other information about you if it is necessary for us to do so to comply with the law, or where appropriate for legitimate business needs.
8. KEEPING YOU INFORMED
8.1 From time to time we would like to contact you by SMS, post, email, online banner advertisements, telephone or automated message, with offers relating to products of ours which we think you might be interested in.
8.2 We may also wish to share some of your information (including all the contact details that we hold for you) with trusted third parties so that they can also provide you with information (using the same methods to contact you) about products and services that might be of interest to you. One of the reasons that we wish to share your data with such third parties, including the application details you have already provided, is that they may be able to offer you a loan in the event that you are unsuccessful in obtaining a loan from Ladder Loans. One of our third party intermediaries will then consider your details and may forward these details to another lender, which may involve them completing a further credit check. You will be contacted by any lender who may have considered your application to advise you if your application has been unsuccessful. Other intermediaries and lenders will have their own privacy policies. Please refer to them.
8.3 When you submit your application, you will be asked to agree to the use of your information in clause 8 above.
9. ACCESSING PERSONAL INFORMATION WE HOLD ABOUT YOU
9.1 Subject to certain exceptions, you have the right of access to your personal records and information that we hold about you, upon written request and payment of a charge of up to £10. You will need to make a separate request and pay a separate fee for each company within our group of affiliated companies whose records you wish to access.
10. UPDATE YOUR DETAILS/PREFERENCES
10.1 If any data or information we hold about you is inaccurate or out of date then please let us know and this will be corrected where appropriate.
10.2 To revise your marketing contact preferences, or to access, correct or amend your records you should contact the Data Protection Officer (see "Contact Our Data Protection Officer" below).
11. SECURITY AND CONFIDENTIALITY
11.1 Appreciating that both privacy and security of your information is of the utmost importance, we have implemented technology and security policies, rules and measures to protect the personal information we hold about you.
11.2 We endeavour to take all reasonable steps to protect your personal information. However, please be aware that there are inherent security risks of providing information and dealing online over the internet and we cannot therefore guarantee the security of any data disclosed online. We ask that you do not provide us with any sensitive personal information online (please see the 'Sensitive Information' Section below) unless we specifically ask for this.
12.1.2 Most web browsers automatically accept cookies, but normally you can alter your browser settings to prevent automatic acceptance, if you prefer. If you decline cookies, we cannot guarantee that your experience with our website will be as quick or responsive as if you do receive cookies.
12.1.3 We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.
12.1.4 We use aggregated customer information to help us understand how our website is performing commercially and what we can do to improve performance. We may provide this information to other companies, such as third party advertisers. This information does NOT include any personal details that can be used to identify individuals.
If you do not want to receive cookies from us, please follow the procedures below. These procedures do not apply to cookies sent by our business partners. Third party vendors, including Google, may use their own cookies to provide you with ads based on your prior visits to our website. We do not control the cookies that any such 3rd party may use. If you want to remove these cookies then please refer to clause 12.6 below.
12.2 Cookies Used by Ladder loans
borrowed, left_height, left_height _bg, monthly, over, right_height, right_height_bg, total: Cookies that are temporarily downloaded to enable the ladder calculator to work correctly.
__utmc, __utmb: Google Analytics cookies, used for page stats
Ladder Loans uses Clicktale and Convert to conduct interactivity testing, enabling us to make changes to our website to make your experience better. To find out more about the cookies that are used please visit www.clicktale.com/privacy-policy and www.convert.com/privacy-policy
12.3 How to Find and Control Your Cookies
12.3.1 Please click the following link for details of how to find and control and delete your cookies How to Control Cookies
12.3.25 How to see your cookie code
Just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.
12.46. HOW TO DISABLE GOOGLE COOKIES
12.57 Further Information About Cookies
The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.
13. LINKS TO OTHER SITES
This website may from time to time include links to other sites. We make every effort to provide links to high quality, reputable sites but we're not responsible for their privacy practices or, site content, or the services they offer. Please always check the privacy policies of any linked sites.
14. SENSITIVE INFORMATION
Information about you which is considered sensitive information under the Data Protection Act 1998, includes information about your medical or health conditions, racial or ethnic origin, political opinions or trade union membership, religious or philosophical beliefs and sexual orientation, and suspected or proven criminal activity and related proceedings. If we need to process sensitive personal data, you will be notified of such processing and asked to specifically agree to the use of such information as appropriate.
15. TELEPHONE CALLS
If you call any of the telephone numbers quoted on this website, in our literature or in correspondence, we may record your call. These recordings are used for training, regulatory and quality control purposes to ensure that we continuously monitor and improve our customer service standards.
This policy only applies to personal information collected or obtained by Ladder Loans.
18. CONTACT OUR DATA PROTECTION OFFICER
- By e-mail at firstname.lastname@example.org or
- By post at Ladder Loans, Po Box 397, Bicester, Oxfordshire, OX269GT.
ACCEPTABLE USE POLICY
This acceptable use policy sets out the terms between you and us under which you may access our website www.ladderloans.co.uk (our site). This acceptable use policy applies to all users of, and visitors to, our site. Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our website terms and conditions www.ladderloans.co.uk is a site operated by Inventive Finance Limited (we or us). We are registered in England and Wales under company number 2685515 and we have our registered office at 6 Bevis Marks, London, EC3A 7BA.
Instant Cash Loans Ltd is authorised and regulated by the Financial Conduct Authority.
You may use our site only for lawful purposes. You may not use our site:
- In any way that breaches any applicable local, national or international law or regulation.
- In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
- For the purpose of harming or attempting to harm minors in any way.
- To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
- To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
- To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
You also agree:
- Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our website terms and conditions
- Not to access without authority, interfere with, damage or disrupt:
- any part of our site;
- any equipment or network on which our site is stored;
- any software used in the provision of our site; or
- any equipment or network or software owned or used by any third party.
These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it. You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole. Contributions must:
- Be accurate (where they state facts).
- Be genuinely held (where they state opinions).
- Comply with applicable law in the UK and in any country from which they are posted.
Contributions must not:
- Contain any material which is defamatory of any person.
- Contain any material which is obscene, offensive, hateful or inflammatory.
- Promote sexually explicit material.
- Promote violence.
- Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
- Infringe any copyright, database right or trade mark of any other person.
- Be likely to deceive any person.
- Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
- Promote any illegal activity.
- Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety.
- Be likely to harass, upset, embarrass, alarm or annoy any other person.
- Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
- Give the impression that they emanate from us, if this is not the case.
- Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
SUSPENSION AND TERMINATION
We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate. Failure to comply with this acceptable use policy constitutes a material breach of the website terms and conditions upon which you are permitted to use our site, and may result in our taking all or any of the following actions:
- Immediate, temporary or permanent withdrawal of your right to use our site.
- Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
- Issue of a warning to you.
- Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
- Further legal action against you.
- Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
CHANGES TO THE ACCEPTABLE USE POLICY
We may revise this acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.