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GDPR Privacy Notice
Who are we?
Welcome to Western Circle Ltd. This privacy notice is relevant for all websites operating under the Western Circle Group. These include:
Our registered office address:
2a Highfield Avenue, London NW11 9ET
We are a company registered in:
England and Wales under company number 7581337.
We are registered:
Information Commissioner's Office Register: registration number Z3305234,
We act as the data controller when processing your data.
Our designated Data Protection Manager:
Mr Richard Sherlock, who can be contacted at:
2a Highfield Avenue and dataprotection@westerncircle.co.uk
This notice will give you all the necessary information about your rights and our obligations, and explains how, why and when we process your personal data. Western Circle Ltd (‘we’ or ‘us’ or ‘our’) gathers and processes your personal information in accordance with this privacy notice and in compliance with the relevant data protection regulation and laws (including the GDPR and Data Protection Act 2018).
Information That We Collect
Western Circle Ltd processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect any unnecessary personal data from you and do not process your information in any way, other than as specified in this notice.
The personal data that we collect from you is as follows:
- Name
- Date of Birth
- Home Address
- Email address
- Telephone number
- Monthly income and expenditure details
- Employment details
- Employer contact details
- Payment details
- Bank account details
- IP address
- Other personal information that you may choose to provide us in support of your application, or thereafter
We collect information in the following ways:
- Through our online application form
- From communications with our customers
- From third party commercial entities, including credit reference agencies and lead brokers
- From government agencies, such as the courts and Electoral Register
How We Use Your Personal Data (Legal Basis for Processing)
Western Circle Ltd takes your privacy very seriously and will never disclose, share or sell your data without your consent; unless required to do so by law. We only retain your data for as long as is necessary and for the purpose(s) specified in this notice. Where you have consented to us providing you with promotional offers and marketing, you are free to withdraw this consent at any time.
The purposes and reasons for processing your personal data are detailed here
- We collect your personal data when you apply to enter into a credit contract or to ensure the performance of your obligations under the contract
- We share your personal data with Callcredit and/or Equifax who are credit reference agencies and provide us with financial background and verification checks
- We carry out checks to ensure that the details you provide are correct, and to prevent fraud and money laundering activity
- When your application does not meet our underwriting criteria, we may pass on your details to our designated affiliate, Monevo Ltd or Bizfella Ltd, who may be able to offer you a loan from their panel of lenders. We only transfer your details after obtaining your explicit consent to do so.
- We will occasionally send you marketing information where we have assessed that it is beneficial to you as a customer and in our interests. Such information will be non-intrusive and is processed on the grounds of legitimate interests
Consequences of Not Providing Your Data
You are not obligated to provide your personal information to Western Circle Ltd, however, as this information is required for us to evaluate your loan application, we will not be able to offer our services without it.
Accessing your Information
You have the right to access any personal information that Western Circle Ltd processes about you and to request information about:
Your Rights
- What personal data we hold about you
- The purposes of the processing
- The categories of personal data concerned
- The recipients to whom the personal data has/will be disclosed
- How long we intend to store your personal data for
- If we did not collect the data directly from you, information about the source
If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to do so as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified.
You also have the right to request erasure of your personal data or to restrict processing (where applicable) in accordance with the Data Protection Act 2018; as well as to object to any direct marketing from us. Where applicable, you have the right to data portability of your information and the right to be informed about any automated decision-making we may use.
We carry out certain automated checks as part of our underwriting processes. This may result in your credit application being declined, as a result of an automated decision. You have the right to ask for an automated decision to be reviewed by a member of our underwriting team, although you should be aware that if your application does not meet our underwriting criteria it is unlikely that a manual review will result in a different decision being taken.
If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the request; this is to ensure that your data is protected and kept secure.
Sharing and Disclosing Your Personal Information
We do not share or disclose any of your personal information without your consent, other than for the purposes specified in this notice or where there is a legal requirement. Western Circle Ltd uses third-parties to provide the below services and business functions; however, all processors acting on our behalf only process your data in accordance with instructions from us and comply fully with this privacy notice, the data protection laws and any other appropriate confidentiality and security measures.
Safeguarding Measures
Western Circle Ltd takes your privacy seriously and takes every reasonable measure and precaution to protect and secure your personal data. We work hard to protect you and your information from unauthorised access, alteration, disclosure or destruction and have several layers of security measures in place, including: SSL, TLS, encryptions, pseudonymisation, restricted access, IT authentication, firewalls, anti-virus/malware etc.
Transfers Outside the EU
Western Circle Ltd utilises some products or services (or parts of them) that may be hosted or stored in non-EU countries, which means that we may transfer any information which is submitted by you through the website outside the European Economic Area (“EEA”) for the below purposes: – website hosting, email servers, database management. Any data transfer is made on the basis of an adequacy decision by the European Commission under Article 45 of the GDPR.
Therefore, when you use our website or send us an email, the personal information you submit may be stored on servers which are hosted in non-EU countries. Where this is the case, we will take steps to ensure that those providers use the necessary level of protection for your information and abide by strict agreements and measures set out by Western Circle Ltd to protect your data and comply with the relevant data protection laws.
Legitimate Interest
As noted in the ‘How We Use Your Personal Data’ section of this notice, we occasionally process your personal information under the legitimate interests’ legal basis. Where this is the case, we have carried out a Legitimate Interests’ Assessment (LIA) to ensure that we have weighed your interests and any risk posed to you against our own interests; ensuring that they are proportionate and appropriate.
We use the legitimate interests’ legal basis for processing data after your application has been declined, or following the repayment of your loan, and have identified that our interests are to prevent fraud and to provide an efficient service to repeat customers. We also use the legitimate interests’ legal basis to send out promotional material to previous good customers of the company, for a period of 18 months after the most recent loan you have taken with the company, as we consider this to be both in your interest and ours.
How Long We Keep Your Data
Western Circle Ltd only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations. We keep your basic personal data (name, address and contact details) for a minimum of 6 years after which time it will be destroyed.
Your employment contact details and payment details are retained by us for two years after the date of your loan
application or the repayment of your most recent loan, whichever is the later.
Where you have consented to us using your details for direct marketing, we will keep such data until you notify us otherwise and/or withdraw your consent.
Special Categories Data
Owing to the nature of the service that we offer, Western Circle Ltd sometimes needs to process sensitive personal information (known as special category data) about you, to ensure that our customer service department deals with you in a fair and sympathetic manner. We also may receive sensitive personal information when legal action is taken to recover an outstanding balance. Where we collect such information, we will only request and process the minimum necessary for the specified purpose and identify a compliant legal basis for doing so.
Where we rely on your consent for processing special category data, we will obtain your explicit consent to do so. You can modify or withdraw consent at any time, which we will act on immediately, unless there is a legitimate or legal reason for not doing so.
Promotional Material
As a valued customer of the company, Western Circle Ltd will occasionally send you promotions by email or SMS that have been identified as being beneficial to our customers and in our interests. Such information will be relevant to you as a customer and is non-intrusive and you will always have the option to opt-out/unsubscribe at any time.
If you would prefer not to receive above-mentioned marketing and offers, please email us on dataprotection@westerncircle.co.uk
Lodging A Complaint
Western Circle Ltd only processes your personal information in compliance with this privacy notice and in accordance with the relevant data protection laws. If, however you wish to raise a complaint regarding the processing of your personal data or are unsatisfied with how we have handled your information, you have the right to lodge a complaint with the supervisory authority.
If you have any question contact us
- ICO https://ico.org.uk/
- Mr Richard Sherlock
- 2a Highfield Avenue, London NW11 9ET
- 0203 757 1933
- dataprotection@westerncircle.co.uk
Website/Application Terms and Conditions
This page (together with the documents referred to on it) sets out the terms of use between you and Western Circle Limited trading as Personal Loans Now (“We” or “Us”) under which you may access our website www.personalloansnow.co.uk (our “Site”), whether as a visitor/guest or a registered user. Please read these terms of use carefully before you start to use the Site. By using our Site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our Site.
Who are we?
"Personal Loans Now" is an 'Site' operated by Western Circle Limited.
Our registered office address:
2a Highfield Avenue, London NW11 9ET
We are a company registered in:
England and Wales under company number 7581337.
We are registered:
Information Commissioner's Office Register: registration number Z3305234,
FCA Authorisation number 714479.
Information about you and your visits to our site
- We process information about you in accordance with our privacy policy.
- By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.
Intellectual property rights<
We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
- You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference and you may draw the attention of others within your organisation to material posted on our Site.
- You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
- Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
- You must not use any part of the materials on our Site for commercial purposes without obtaining a license to do so from us or our licensor’s.
- If you copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Reliance on information posted
Commentary and other materials posted on our Site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Site, or by anyone who may be informed of any of its contents.
Our liability
The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time; and
For any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
(a) This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Transactions concluded through our site
Contracts for the supply of financial services formed through our Site or as a result of visits made by you are governed by our terms and conditions.
You agree to provide us with all relevant proof of identification that we reasonably request, including proof of identity and proof of nominated bank current account and associated debit card.
Accessing our site
When using our Site, you must comply with the provisions of our acceptable use policy.
You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
If you choose, or you are provided with, a user code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below).
We will not be liable if for any reason our Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
Our site changes regularly
We aim to review our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.
Prohibited Uses
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.
- 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 terms of website use.
- 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.
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 terms of use 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.
If you wish to get more details about our Website Policy, please don’t hesitate to contact us. We have developed some of the industry leading procedures to ensure that we provide the ideal service for our customers.
Viruses, hacking and other offences
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
Privacy
Please email dataprotection@westerncircle.co.uk if you do not want us to use your personal data to contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous agreement or previous negotiations with you.
Please email dataprotection@westerncircle.co.uk if you do not want us to disclose your personal data to selected third parties so that they can provide you with information about their goods or services.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
If you wish to make any use of material on our Site other than that set out above, please address your request to client-service@westerncircle.co.uk.
Linking from our site
Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Jurisdiction and applicable law
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our Site.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
In the event that you are resident outside England and Wales (for example in Scotland) we will issue proceedings through the applicable local Court.
Variations
We may revise these terms of use 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 made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Site.
Competitions Terms and Conditions
If you take part in any quiz or competition offered on our website or by our affiliates, the following rules will apply:
Terms & Conditions of submitting an image into a Western Circle Limited competition:
By submitting a photo to a Western Circle Limited competition, you are confirming the following:
- I am sending you my photograph which I am happy for Western Circle Limited (and its advertising, promotion and other agencies) to use in its advertising, marketing, publicity or promotional materials. I therefore grant you a worldwide license to the use of my photo and all personal details entered;
- I am over 18;
- I am the owner of the photo and am able to grant this license to use it;
- I am giving permission on behalf of myself and any others who are seen in the photo and I confirm that they agreeto this licence;
- This permission covers all forms of use including without limit television, print, online (including Western Circle Limited website and social channels), newspapers, magazines, digital and social media and all other forms of media now and in the future anywhere in the world;
- The licence is irrevocable and the period of usage is unlimited;
- Use of the photo will not infringe any rights (such as intellectual property, privacy, confidentiality or data protection) belonging to others;
- The photo is original and is not a copy of anyone else’s work;
- I agree that this licence is royalty-free;
- If requested by Western Circle Limited, I will sign (and arrange for the others in the photo to sign) any documents to confirm the above;
- I hereby agree to defend, indemnify and hold Western Circle Limited harmless from and against any and all losses, and all claims by third parties, resulting from your breach of any of the these terms and conditions;
- The details I have submitted are true;
- English law applies.
Competitions Terms and Conditions
By entering your photo for your chance to win a money prize you agree to be bound by these terms and conditions:
- Notification of photos to be used: Finalists, and later the winner, will be notified by email. All entrants must ensure they provide a valid email address and must be contactable on the same email address used for entry.
- Western Circle Trading will not be responsible for the non-receipt of any entry and cannot be held liable for entries which are lost or not received or which cannot be sent due to technical or service issues or for any other reason. Proof of submitting an entry will not be accepted as proof of receipt by Western Circle Trading.
- As entries may be displayed in marketing material which will be in the public domain entrants must ensure that only suitable material is uploaded. Entries must not contain any material which is defamatory of any person, or is obscene, offensive, discriminatory, illegal, hateful or inflammatory; be threatening, abusive or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety; or be likely to harass, upset, embarrass, alarm or annoy any other person. Western Circle Trading reserves the right to refuse any entry which it considers contravenes these provisions or for any other reason at its absolute discretion.
- Western Circle Trading reserves the right to vary these terms and conditions at any time, or to withdraw the competition altogether at its discretion.
- Western Circle Trading decision is final in connection with all matters arising from this competition and no correspondence will be entered into. Western Circle Trading accepts no responsibility, liability or any consequences whatsoever for entrants participating in this competition.
- These terms and conditions are governed by English law.
Third parties and Brokers
- Quint
- Western Circle Ltd
- Cashlady
WEBSITE SECURITY
We care about your security!
At https://www.personalloansnow.co.uk we take your online security very seriously. That’s why all the data you enter into our online application form is encrypted before it is sent over the Internet.
What to look out for
If the page you are browsing is secure then the website address will start with ‘https://’ instead of ‘http://’ – note the missing ‘s’.
But every web browser has its own way of letting you know if the SSL page you are viewing is secure.
Below are a few examples of where various popular browsers display the Encrypted Icon.
- IE adds a gold pad-lock in the address bar.
- Firefox adds a blue or green bar to the address bar and also displays a small padlock in the bottom right corner of the screen.
- Safari adds a small pad-lock symbol in the address bar.
- Google Chrome displays a green pad-lock in the address bar.
If you see the icons above then you can be confident that any information you submit will only be read by the intended recipient. This sign means that your web browser is working with the website to protect any data you view or send.
We do this with a data encryption process called SSL, or Sockets Sockets Layer. In order to encrypt your data correctly we have a valid SSL Certificate provided by Equifax Geo Trust.
SSL overview from the browser viewpoint
- Browser checks the certificate to make sure that the site you are connecting to is the real site and not someone intercepting.
- Determines encryption types that the browser and web site server can both use to understand each other.
- Browser and Server send each other unique codes to use when scrambling (or encrypting) the information that will be sent.
- The Browser and Server start talking using a encrypted connection, the web browser shows the Encrypted Icon. The data transmitted is secure.
Thank you for visiting our Site.
We're available:
- Mon - Thu: 9am - 7pm
- Friday: 9am - 5pm
Website Terms & Conditions
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website https://www.westerncircle.co.uk (our “Site”), whether as a [visitor/guest or a registered user]. Please read these terms of use carefully before you start to use the Site. By using our Site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our Site.
INFORMATION ABOUT US
https://www.westerncirlce .co.uk is a site operated by Western Circle Limited. We are a limited company registered in England and Wales under company number 7581337 and have our registered office at 2a Highfield Avenue, London NW11 9ET. Our main trading address is 2a Highfield Avenue, London NW11 9ET.
We are authorised and regulated by The Financial Conduct Authority.
We are authorised and regulated by The Financial Conduct Authority (FCA Permission License: 714479).
ACCESSING OUR SITE
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below).
We will not be liable if for any reason our Site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
If you choose, or you are provided with, a user code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
When using our Site, you must comply with the provisions of our acceptable use policy.
You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our Site for your personal reference and you may draw the attention of others within your organisation to material posted on our Site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
You must not use any part of the materials on our Site for commercial purposes without obtaining a license to do so from us or our licensor’s.
If you copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
RELIANCE ON INFORMATION POSTED
Commentary and other materials posted on our Site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Site, or by anyone who may be informed of any of its contents.
OUR SITE CHANGES REGULARLY
We aim to review our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.
OUR LIABILITY
The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Site or in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time; and
For any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
(a) This does not affect our liability for death or personal injury arising from our negligence. This will also include our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
We process information about you in accordance with our privacy policy. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.
TRANSACTIONS CONCLUDED THROUGH OUR SITE
Contracts for the supply of financial services formed through our Site or as a result of visits made by you are governed by our terms and conditions.
You agree to provide us with all relevant proof of identification that we reasonably request, including proof of identity and proof of nominated bank current account and associated debit card.
CHARGES
We charge fees as follows:-
Card authorisation fee: we charge a card authorisation fee of £0.50 at the time of approval.
Account verification fee: £0.01 (one pence) may be deducted from your nominated bank account on the day preceding the date of repayment of the loan. We process a nominal transaction to enable us to confirm that your bank account remains active.
Same-day transfer fee: we charge a supplementary fee of £5 should you expressly ask us to transfer the funds advanced by us to you by way of same-day bank transfer.
Default charges: (i) In the event that your repayment is made after 5.00 pm on the due date: £15.00; and (ii) daily interest of 1% on all arrears, capped at a maximum of 60 days. These charges, if applied, will be added to the total sum to be repaid under your loan agreement.
DEBT MANAGEMENT PROGRAMMES, INDIVIDUAL VOLUNTARY ARRANGEMENTS & BANKRUPTCY
In the event that you are in a DMP, IVA or are currently bankrupt you may not apply to us for any financial services or products that we offer on our Site.
In the event that you enter into a DMP or IVA, or are made bankrupt, after you enter into an agreement with us, you must notify us immediately.
VIRUSES, HACKING AND OTHER OFFENCES
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
PRIVACY
Please tick here if you do not want us to use your personal data to contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous agreement or previous negotiations with you.
Please tick here if you do not want us to disclose your personal data to selected third parties so that they can provide you with information about their goods or services.
LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy..
If you wish to make any use of material on our Site other than that set out above, please address your request to info@westerncirlce.co.uk.
LINKS FROM OUR SITE
Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
JURISDICTION AND APPLICABLE LAW
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our Site.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
In the event that you are resident outside England and Wales (for example in Scotland) we will issue proceedings through the applicable local Court.
VARIATIONS
We may revise these terms of use 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 made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Site.
YOUR CONCERNS
If you have any concerns about material which appears on our Site, please contact: info@westerncirlce.co.uk.
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