Data Protection and Privacy

At Optimum Credit we are committed to safeguarding and preserving the privacy of our visitors and customers.

This Privacy Policy explains what happens to any personal data that you provide to us, or that we collect from you whilst you visit our site.

We update this Policy from time to time so please do review this Policy regularly.

Information We Collect 

In running and maintaining our website we may collect and process the following data about you:

  1. Information about your use of our site including details of your visits such as pages viewed and the resources that you access. Such information includes traffic data, location data and other communication data.
  2. Information provided voluntarily by you. For example, when you complete a form and submit it to us.
  3. Information that you provide when you communicate with us by any means.

Use of Cookies

Cookies provide information regarding the computer used by a visitor. We use cookies where appropriate to gather information about your computer in order to assist us in serving content to you in the most appropriate manner. We also use cookies to help us better understand your journey through our site, for example how you arrived at our site, and on what page you left our site. Finally, we also use cookies to capture generic information, such as your geographical location (based on your IP address). All of this information is anonymised, and is used for statistical purposes only.

The table below details the cookies that our site uses:

 
Cookie Name   Purpose

_ga

_gat

These are used by Google Analytics to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookie collects information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and what pages they visited. The cookie does not collect personal identifiable information.The _ga cookie will last for two years.Please refer to Google’s privacy policy which includes analytics for further information:http://www.google.co.uk/intl/en/policies/privacy/
has_js This tells us whether you have JavaScript enabled in your browser settings. It can deliver content in a suitable way depending on your settings. It expires when you close the browser.
cookie-agreed This tells us whether you have accepted the cookie policy so we don't bother you with the warning on subsequent visits to the site.

 

You can adjust the settings on your computer to decline any cookies if you wish.  This can easily be done by activating the reject cookies setting on your computer. If you would like to find out more about cookies and how to remove them from your computer, please visit www.allaboutcookies.org 

Use of Your Information

We use the information that we collect from you to provide our services to you.  In addition to this we may use the information for one or more of the following purposes:

  1. To provide information to you that you request from us relating to our products or services. 
  2. To provide information to you relating to other products that may be of interest to you. Such additional information will only be provided where you have consented to receive such information.
  3. To inform you of any changes to our website, services or products.

Disclosing Your Information

We will not disclose your personal information to any other party other than in accordance with this Privacy Policy and in the circumstances detailed below:

  1. In the event that we sell any or all of our business to the buyer.
  2. Where we are lawfully permitted or legally required by law to disclose your personal information.
  3. To further fraud protection and reduce the risk of fraud.

Third Party Links

On occasion we include links to third parties on this website. Where we provide a link it does not mean that we endorse or approve that site’s policy towards visitor privacy. You should review their privacy policy before sending them any personal data.

Access to Information

In accordance with the Data Protection Act 1998 you have the right to access any information that we hold relating to you. Please note that we reserve the right to charge a fee of £10 to cover costs incurred by us in providing you with the information. 

Contacting Us

Please do not hesitate to contact us regarding any matter relating to this Privacy Policy at customerservices@optimumcredit.co.uk.

Credit Reference Agencies

As a responsible lender, we will, as part of the loan application process, contact one or more Credit Reference Agencies to ascertain your creditworthiness. For more information on Credit Reference Agencies please click here.

Fraud Prevention Agencies

We work with organisations with an interest in reducing the fraud threat. For information on this, please click here.