Complete transparency between us and you about how we collect, store and use your personal information; and
We will take all realistic steps to keep your personal information secure from unauthorised third-party access.
We aim to keep our operational costs to a minimum so that we can provide the most competitive interest rates on our loans that we can. As a result, we are a pure online business and encourage all of our customers to communicate with us online. If you log on to My Account, you will see the material personal information which we hold in relation to you.
Under the Data Protection Act 1998, you have a right to request certain personal records which we hold about you. You can make this request, known as a data subject access request, by writing to us at Blue Tower, MediaCityUK, Manchester, M50 2ST enclosing a cheque (made payable to Auden Group Limited) or cash for the £10 fee which is payable. Auden Group Limited is registered with the ICO as Data Controller (no: ZA018626)
The information which we hold in relation to you may include any of the following:
We want to be able to offer you products and services for as long as you are interested in having a relationship with us. By retaining all of your personal information, we believe we will be better able to tailor those products and services to your needs as well as providing great customer service alongside any particular product or service. We do not therefore have an automatic data destruction policy.
If you decide you do not want to have a relationship with us any longer, you can notify us at any time by updating your details through My Account or by clicking unsubscribe from any marketing communication you have received from us.
Where you have told us you do not want to have a relationship with us any longer, we will hold onto your personal information for regulatory purposes for the following time periods:
All of your personal information is stored in data centres located in the EU. We do not anticipate a requirement to transfer your personal information to countries outside of the EU. If this changes, we will notify you by email and we will ensure that the information is held to standards at least as good as those in the EU and for the purposes set out in this policy.
We use your information to:
When credit reference agencies receive a search from us, they will place a search footprint on your credit file that can be seen by other lenders. Your ability to obtain credit can be reduced by the number of applications which you make in any given time period, particularly if you make a large number of applications in a short period of time.
Credit reference agencies link your records with individuals who are considered to be your financial associates. Financial associates include people who you share an account with and people who you live with. These links are kept in place until you, or the relevant financial associate, tell the credit reference agency that the link no longer exists and provides evidence which the credit reference agency accepts that this is the case. This is sometimes referred to as a disassociation. If you want to request a disassociation, you must contact the credit reference agencies directly. Their contact details are as follows:
Callcredit Limited (Company number 03961870)
Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP
Equifax Ltd (Company number 02425920)
Registered office: Capital House, 25 Chapel Street, London, NW1 5DS
Experian Limited (Company number 00653331)
Registered office: Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ
The credit reference agencies and the various lenders, including us, work based upon contributing and sharing credit information. We tell the credit reference agencies about your loan with us and whether and how you repay it. Any failure to repay the loan on time will be noted on your credit file and is likely to have a negative effect on your ability to obtain credit in the future. The credit reference agencies keep your information for six years after the loan is either repaid or after a default is recorded.
We may use fraud prevention agencies to identify fraud, money-laundering and other criminal activities. If we establish that any of the information which you have given to us is false or inaccurate and we have reasonable grounds to suspect fraud we will note this fact in our records and we will pass the information on to fraud prevention agencies and other organisations focused on crime and fraud prevention, including law enforcement agencies.
Our website may contain links to other sites which are outside our control and not covered by this policy. The operators of these sites may collect information from you that will be used by them in accordance with each of their policies, which may differ from ours.
We provide our customers with a secure area called My Account. You can log in at any time to see your account details and to send us a secure message. For quality, testing and customer service reasons, we are able to log into My Account as if we were you so that we can see exactly what you see. When we do this, full audit records are maintained of which Auden person logged in and exactly what they did whilst they were logged in.
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