Privacy Policy

1. Information We Collect

We may collect the following types of personal information:

1.1 Information you provide directly

• Contact details: Name, address, email address, phone number.
• Financial information: Income, employment status, credit history, existing debts, bank account details.
• Identification: Date of birth, passport or driving licence details (for identity verification).
• Application details: Information about your loan or mortgage requirements.
• Communications: Records of your interactions with us, including emails, phone calls, and chat transcripts.

1.2 Information collected automatically

• Technical data: IP address, browser type, device information, operating system.
• Usage data: Pages visited, time spent, links clicked, referring website.
• Cookies: We use cookies to enhance your experience. See our Cookie Policy for details.

1.3 Information from third parties

• Credit reference agencies: We may obtain credit checks and fraud prevention information.
• Lenders: Information about your application outcomes.
• Fraud prevention agencies: To verify your identity and prevent fraud.

2. How We Use Your Information

We use your personal information for the following purposes:

3. Sharing Your Information

We may share your personal information with:

• Lenders and credit brokers: To find you a suitable loan product.
• Credit reference agencies: For credit checks and fraud prevention.
• Fraud prevention agencies: To verify your identity and prevent fraudulent applications.
• Regulatory bodies: Such as the FCA, if required by law.
• Service providers: IT support, website hosting, customer relationship management systems.
• Professional advisors: Solicitors, accountants, or insurers.

We do not sell your personal information to third parties.

4. Credit Checks and Fraud Prevention

When you apply for credit through us:

• We may perform a soft search that does not affect your credit score.
• Lenders may perform hard searches when you make a full application.
• We may share information with credit reference and fraud prevention agencies.
• These agencies may keep a record of our search and share it with other organisations.

5. Marketing Communications

With your consent, we may send you marketing communications about products and services that may interest you. You can opt out at any time by:

• Clicking the "unsubscribe" link in any marketing email.
• Contacting us at info@renownedlendingltd.co.uk.
• Updating your preferences in your account settings.

We will never share your information with third parties for their own marketing purposes without your explicit consent.

6. Cookies

Our website uses cookies to improve your experience and analyse traffic. Cookies are small text files stored on your device. We use:

• Essential cookies: Required for website functionality.
• Analytics cookies: To understand how visitors use our site.
• Preference cookies: To remember your settings.

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

7. Data Retention

We retain your personal information only as long as necessary:

• Eligibility checks: 12 months after your last interaction.
• Applications: 6 years after the application (to comply with FCA requirements).
• Completed loans: 6 years after the loan term ends.
• Marketing data: Until you withdraw consent.

8. Your Rights

Under UK GDPR, you have the following rights:

• Right to be informed: We provide this Privacy Policy.
• Right of access: Request a copy of your data.
• Right to rectification: Correct inaccurate data.
• Right to erasure: Request deletion of your data (subject to legal obligations).
• Right to restrict processing: Limit how we use your data.
• Right to data portability: Receive your data in a machine-readable format.
• Right to object: Object to processing based on legitimate interests.
• Rights related to automated decision-making: Including profiling.

9. Data Security

We implement appropriate technical and organisational measures to protect your personal information, including:

• Encryption of data in transit (SSL/TLS).
• Secure servers and firewalls.
• Access controls and authentication.
• Regular security audits and staff training.

While we strive to protect your data, no method of transmission over the Internet is 100% secure.

10. International Transfers

We do not routinely transfer your personal information outside the UK. If we need to do so (e.g., using cloud services), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or UK adequacy regulations.

11. Children's Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from children. If you believe we have collected information from a child, please contact us.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website with the effective date. Significant changes will be communicated to you.

13. Contact Information

If you have questions about this Privacy Policy or our data practices, please contact our Data Protection Officer:

14. Complaints to the ICO

You have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection: