Money Guru Limited is an Appointed Representative of Quint Group Limited,
and is entered on the Financial Services Register under reference number: 740565. Quint Group Limited is
authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register
under reference number: 669450. Money Guru Limited is registered in England and Wales (company number 09842787),
Registered Office; Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS.
Licenced by the Information Commissioner's Office, (registration number ZA188630).
Here at Money Guru Limited we are aware how important your privacy is, based on this we have implemented
measures that will ensure any personal data obtained from you by visiting our website will be
processed and maintained in line with accepted principles of good information handling, and also in accordance
with the Data Protection Act 1998. Contained within this statement and set out below are details of the type
of information that we at Money Guru may hold about you our customer, also how we obtain and process any
information we may have and importantly how we protect your privacy.
and obtained by us.
sure you have read the latest version and you understand what we do with your information.
How we may contact you
Unless you state otherwise to us, lenders, third parties and other brokers (see further section on ‘How we
keep you informed’) may contact you via telephone, email, post, SMS, automated messages or fax.
How you contact us
If you are required to telephone us using the specified telephone numbers on our website or
advertising/marketing correspondence, your call may be recorded for training, quality and regulatory
purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously
improve and monitor our customer experience.
How we keep you informed
We may want to make contact with you at some point in order to keep you informed about offers on
products or services, which we think you may be interested in. This contact will be made via telephone,
email, SMS, automated messages or fax. Third parties may also wish to contact you using the information we
have shared with them. Any information we share is completely trusted for the purpose
it is specified for. Third parties may also use the same means of contact stated above.
Third parties could contact you as we may be unable to offer you the product you are looking for. Third parties may have a product or service to offer you which potentially could suit your needs. If
this is the case the third parties will pass your details onto a lender, who may need to carry out a further
credit check. Whilst the lender or third party will make contact with you to confirm whether your application
your application, you will be requested to agree to their use of your information.
- You are free to access and browse our website www.moneyguru.com at your convenience and do not have to
provide any personal information/data. However we would like to refer you to the ‘Cookies’ paragraph set
- The information/data we would normally collect from you is as follows:
- Residential address
- Residential status
- Date of birth
- National insurance number
- Email address (if applicable)
- Telephone number (home, mobile, work)
- Income details
- Details of bank account
- What you do on our website; the results of this will be used to show Money Guru Limited examples of
which parts of our website are most and least used (please refer to ‘Cookies’ paragraph)
If you register with us and have a question about our services, or alternatively choose to send an email to
[email protected], we may also collect the above personal information/data in this instance in order
for us to respond to your enquiry.
Unless the customer states otherwise, we will contact you via telephone, SMS, post and email
to provide information and alerts relating to our services and our associate companies. We may also receive
personal information/data from third parties, which enables us to offer products and services to identified potential customers who have expressed an interest. Any information/data
obtained from third parties is checked for accuracy and we will endeavour to check your information
with you on occasion.
Ensuring your personal details preferences are kept up to date
It is your responsibility to ensure that any information we have on record for you is kept up to date and
correct. If you do require any of your information to be updated then please contact us as soon as possible
so we can ensure it is corrected.
If you require your preferences to be updated, please contact our Compliance Manager as soon as possible
(details set out below within ‘Contact’ paragraph).
How we use your personal information
- Information that is collected by us at Money Guru Limited may be used in the following ways and will
be recorded electronically:
As some of our affiliates are based outside the UK, we may use your information outside the UK.
If we do, we have established levels of protection to ensure that
your information is safeguarded.
Your data may be used for other purposes, including but not limited to data validation, enhancement,
information verification, identity verification, suppression, tracing and to the extent permitted by law,
individual reference or lookup services, by LexisNexis and selected third parties.
- Verify your identity and credit standing to enable us to consider and process your
application for a loan or other products or services.
- Assess your credit history and confirm your employment details.
- Collect unpaid loans and debt that may be owed by you to us.
- Extract certain information for the purpose of generating statistics for our own internal purposes
(including credit and/or behaviour scoring, and market product analysis).
- Detect, prevent and investigate actual and potential fraud and related activities.
- Develop, manage and market products and services to meet your needs and to contact
you for products and services that may be of interest.
- Determine your eligibility for
different products and services that you may be interested in.
- Contact you in connection with your enquiry.
- Update this website to better meet your needs in the future.
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Monevo Limited and other companies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
Information held about you by the Credit Reference Agencies may be linked to records relating to your partner. For the purposes of this application you, and your partner are financially independent and you request that your application be assessed without reference to any “associated” records, although you recognise that this may adversely affect the outcome of your application. You believe that there is no information relating to your partner that is likely to affect our willingness to offer financial services to you. You authorise us to check the validity of this declaration with credit reference agencies and if we discover any associated records, which would affect the accuracy of this declaration we may decide not to proceed with the application on this basis.
Under the Data Protection Act we are permitted to share some information where the reason for doing so is legitimate and isn’t outweighed by the effects on the relevant individuals. On that basis we may pass your data to Callcredit who may use it, including by analysing and modelling it (such as predicting information about you), to help you to be traced if important information or assets should be returned to you. They may also use your data in a similar manner to aid debt recovery. The data may also be used to prevent fraud by helping to identify you (for instance when applying for new products).
Callcredit may also provide the data (including the modelled data) to other organisations to aid the assessment and pricing of credit, insurance and similar financial products for you, in particular when very little other data is available.
If you do not wish for your data to be used this way by Callcredit then please email [email protected]
Fraud prevention agencies and credit referencing
When applying to us, we may use both fraud prevention and credit referencing agencies to help us make
relevant decisions. This section has been reduced down into a simple explanation of how we will use your
personal information/data regarding credit referencing and fraud prevention agencies.
Further information on fraud prevention agencies can be obtained from the Money Guru Limited Compliance Manager.
If you do choose to contact the CRA, please bear in mind that the information held may not be the same
throughout the UK so it may be useful to contact all CRAs. A small fee may be charged when information is
requested; this fee currently stands at £2.00.
We may make the following checks about yourself and others:
- Credit Reference Agencies (CRAs) – when this type of check is made, a footprint will appear on your
credit file. This can be seen by other lenders. CRAs will provide us with shared credit information,
fraud prevention information and public information; this information will include the electoral
- Fraud Prevention Agencies (FPAs) – when we assess your application, we will also check your identity
in order to prevent fraud and crime. This also includes money laundering.
Money Guru Limited may also make additional searches over periods of time with CRAs and FPAs, this
ensures that our records are kept up to date with any vital information. This information will then
be used to ascertain whether to continue with your credit or any future credit that may be available.
As we have an obligation to comply with responsible lending, FPAs and CRAs assist us in doing so.
- Joint applications – If you the customer makes a joint application or you advise that you have a spouse
or financial associate, your customer records will be associated and linked together. This will ensure
that the agreement has been made from both applicants to discuss and disclose information. A link will
also be made with CRAs, which will remain until one or both parts informs and applies with the CRA
for a disassociation to end the link.
- Information sent to CRAs – Information received by CRAs will be recorded by them. If after an application
with us, you take out a loan, activity and details of management of your account will be passed onto them.
In the event that you take out a loan with us and fail to pay back the full funds required, this will
also be recorded with the CRA. In this case, information may be passed onto other companies by CRAs and
FPAs in order to locate you and recover any outstanding debts. We must warn you that
if this does occur, it will remain on your record for six years once a case has been closed by either
settlement or default.
- Inaccurate information provided by you – false or inaccurate information if given by yourself will be
brought to the attention of FPAs or other relevant companies who deal in fraud/crime prevention. The
same applies to if we suspect fraudulent, false or inaccurate information has been supplied. Any reported
instances may also be accessed by law enforcement agencies i.e. HMRC, regulatory bodies or the police
for use to prevent any possible fraud and money laundering for the following:
- 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
- Information recorded outside the UK – we may use and get access to information outside of the UK that
has been recorded and reported by fraud prevention agencies.
- Information/data usages for other purposes – if you have given permission for your information to be
used for other purposes, in limited circumstances your information may be used for other purposes when
required by law or under the terms of the Data Protection Act 1998.
Do we share your information with third parties?
In addition to the above we may also, on occasion, share your information/data with other parties who are not
within our group; if we do we will seek your approval first. Information may be transferred to third parties
who may be located outside the European Economic Area. We will ensure that your personal information is
protected to the level of standards in accordance with the Data Protection Act 1998. If your information is
shared with a third party, we will instruct and state restrictions to will protect your information. Our
third party partners will also have their own privacy policies, which we recommend you refer to.
If we do share your information with parties outside of our group, this may be for the following reasons:
- To assist in finding you a loan, as we are a finance broker. As our services are often provided in
conjunction with other partners. To assist you in finding a product/service we would need to provide
these partners with your information in order for us to help you.
- Our staff and agents will require your information in order to carry out a service for you on behalf
- If you wish to be provided with details of special offers and promotions, we outline this in the section
called ‘How we keep you informed’. In order to protect our business along with our group of affiliated
companies and possible others. Your information may be shared with third parties when we believe it is
necessary to comply with the law or protect our rights or another person’s rights, property, or in fact
safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory
bodies other lenders, if this is the case it will protect us against fraud and also reduce any risks
- If the occasion arises whereby our company changes ownership or assets, the new proprietors will
need access to your information in order to continue with operations and to run the company effectively.
This would cover shareholders and other companies where the agreement of transfer has been established.
Confidentiality and security
Money Guru Limited recognises the importance of keeping personal information/data from a confidentiality and
security aspect; due to this we have introduced specialised rules, measures, technology
and security policies to ensure that your information is protected. Whilst we make every attempt
to protect your information, there are still risks involved when inputting your information online and we
need to make you aware of this. We would only request further sensitive information online in certain
circumstances so please refrain from inputting sensitive information unless we request you to do so.
Can you access the information we hold about you?
Yes, under certain circumstances you will be able to access the records we hold about you. If you request
this information, we ask that you submit your request in writing to us along with a fee for £10. If
you require information from separate affiliates, you will be required to request each in writing and
pay separate fees for each request.
How long do we keep your information for?
The amount of time we hold your information depends on the basis it was provided. Please see
the following examples:
- If you request that we do not contact you for advertising and marketing reasons, we may still need
to keep your information as this would reflect your preferences.
- Information is also kept relating to any transactions you may enter via our website. This information
will be kept for a minimum of six years, which will commence at the end of the relationship. We are required
to do so to ensure that if any disputes or complaints are raised, we have your information to enable
us to address the complaints or disputes. Your information will be kept purely for business
- In order to provide you with a service, we will be required to keep your information for however long this may take us.
- Another reason for us to keep information about you is for legitimate business needs (where relevant),
so we can comply with the law.
Usage of links to other sites
We may provide links to other websites via our website. If we do so, we cannot be held responsible for
content, practices they carry out and the services and products they may offer.
Processing of sensitive information
Should we be required to process your sensitive information, we will notify you and seek your
agreement prior to doing so. Under the Data Protection
Act 1998, sensitive information includes the following:
- Health conditions
- Racial or ethnic origin
- Political opinion or trade union membership
- Sexual orientation
- Philosophical beliefs
- Religious beliefs
- Suspected or proven criminal activity (which includes proceedings)
Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting
our website, any pages you choose to view will download cookies onto your computer. Cookies
are a good way of helping us measure and assess our visitors and their own
above, we would not store anything that would make you identifiable i.e. passwords or locations,
activity relating to finances and also you preferences. We also use customer information in order to help
us to see how effective our website is, and also to highlight any improvements we may need to make. This
information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please
be assured again that this information will not include personal information that can make you
identifiable. Most web browsers will automatically accept cookies, however you can change normally your
browser settings to prevent automatic acceptance. Please be aware that if you do not accept cookies,
Money Guru Limited cannot guarantee that our website will perform as well.
- How to find and control your cookies:
- Internet Explorer 6.0 or 7.0
- Choose Tools
- Choose Internet Options
- Click the Privacy tab
- Click Advanced
- Check the ‘Override automatic cookie handing’ box
- Aelect Accept, Block or Prompt
- Mozilla Firefox
- Choose Tools
- Choose Options
- Privacy Cookies
- Set your options
- Choose Safari Preferences
- Select cooie options as required
- Opera 8+
- Choose Tools
- Select Cookies
- Select your settings using the available options
How to see your cookie code - simply click on a cookie to open and view it. There will be a string
of numbers and text displayed. The numbers will represent your identification card. Be assured that this can only be
seen by the server that allocated you the cookie.
Additional cookies information – 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.
- Internet Explorer
- Choose tools
- Choose Internet Options
- Click General
- Click Settings
- View Files
- Mozilla Firefox
- Choose tools
- Click Show Cookies
- Choose Safari Preferences
- Click Show Cookies
- Opera 8+
- Choose tools
- Click Cookies
Manager at the following address: [email protected] Alternatively you can write to: Compliance Manager,
Money Guru Limited,
Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS