If you have any questions about My Loan Choice and the service we offer, take a look at our FAQs. If you can't find the answer you're looking for, send us an email at the following address -
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We recognise the importance of protecting your privacy and our policy is designed to assist you.
We understand how important your privacy is to you and ensure any personal data you provide us with is treated with respect, is properly protected and handled in accordance with UK data protection rules and the General Data Protection Regulation (Regulation (EU) 2016/679) (GDPR).
This website is owned and operated by Techno Digital Limited, a company registered in England and Wales (company number 11457945) with its registered office at 25 Clarendon Road, Redhill, England, RH1 1QZ. Techno Digital Limited is registered with the Financial Conduct Authority and is entered on the Financial Conduct Authority Register (registration number 813775). Techno Digital Limited is also licenced by the Information Commissioner's Office, (registration number ZA440845).
Techno Digital Limited is an appointed representative under Loan Mart Limited (company number 08254104) with its registered office at 20-22 Wenlock Road, London, England, N1 7GU. Loan Mart Limited is authorised and registered by the Financial Conduct Authority and is entered on the Financial Conduct Authority Register (registration number 734406). Loan Mart Limited is licenced by the Information Commissioner's Office (registration number Z3371683).
Contained within this statement and set out below are details of the type of personal data we may hold about you, our customer, how we obtain and process any personal data we may have and, most importantly, how we protect your privacy. This policy relates only to the personal data submitted or collected via this website.
If you have any queries or concerns regarding how we use your personal data or any questions regarding any of the information provided in this statement, please contact our Data Protection Officer at firstname.lastname@example.org
For all other queries you can contact us at email@example.com or write to us at 25 Clarendon Road, Redhill, England, RH1 1QZ.
You are visiting our website to apply for a personal loan. In order to match you with the best lender or credit broker we have asked you to provide us with personal information. You need to know where your personal information is being sent, who is using it and why. You also need to be sure your personal information is kept safe and used only for the purposes you have agreed to.
Under the GDPR we are required to process the personal data you provide us with in a responsible manner. In accordance with the six principles below it must be:
We provide a credit brokering service. By completing our secure online application form we pass your details to our lenders' systems so they can make an informed decision whether to lend to you or not. If we are not able to find you a lender, we may pass your details to another credit broker or provide an alternative solution to help you understand and improve your financial position
The information we ask you to provide via the application form on this website is the minimum required for us to provide you with the service and for our lenders to provide you with a loan decision.
The personal data we usually ask you to provide is:
Other ways we collect your personal data include
The main reason we collect your personal data is to provide you with a credit brokering service and help you gain access to short term personal loan offers.
We also use information about you to:
How we process your personal data depends on the reason you have given it to us. When you are browsing our website we process your personal data on the basis that you have given consent by using the website.
When you complete all loan application details on our website we process this data on the basis that we have a legitimate interest in processing this data - you have come to us to provide you with a service and, as a part of providing that service, we have to process your data.
Where you have given us consent to market related products and offers to you via the opt-in box on the application page, we will process your personal data to perform that service.
We use the personal data you input via the online loan application form to match your details with our panel of lenders and credit brokers.
We, and our panel of lenders and credit brokers, will keep you informed as to the progress of your loan application via telephone, email or SMS unless specified otherwise.
Where you have provided consent, we and our trusted third-parties will provide you with information about related products, services and offers that may be of interest to you. This contact will be made via the contact method you selected on the application page.
You can opt out of marketing messages we send by clicking the link https://optme.co or via the opt-out page on this website. Alternatively you can email us at firstname.lastname@example.org or email@example.com
To opt out of marketing received from any of our trusted third parties you will need to unsubscribe via the links provided in their communications with you.
Please be aware that our lenders with whom we share your information may use it for their legitimate business interests to match applications, carry out fraud checks, carry out research such as analysis of market trends and customer demographics and to customise and develop the product/service which they may offer to you or other individuals in the future. Most lenders might use this for up to twelve months.
Our panel of lenders and credit brokers include the following, but are not limited to:
Credit Brokers (introducing customers to lenders):
Affiliate ROI LLC - Bizfella Limited - Butler Westbury Limited t/a Talk Loans - Choose Wisely Limited - Hamilton Digital Solutions Limited - Ineffable Limited - Interlincx Media Corporation - Leadtree Global Limited - Loan Mart Limited - Maintain Marketing Limited - Mediablanket Limited - Mindflow Marketing Limited Limited - Monevo Limited - Money Genie Limited - Quiddi Hub Limited - Sandhurst Associates Limited t/a Sandhurst Associates - Season Marketing Limited - Serpable Limited - Silver City Tech Limited t/a Silver City - Think Money Limited - Whitlock Corp Limited - William Ellis Sinclair (ZA033005).
Lenders (providers of personal and short-term loans):
1plus1 Loans Limited t/a 1plus1 Loans - Active Securities Limited t/a 247Moneybox.com - Advancis t/a Buddy Loans - Amigo Loans t/a Amigo - AvantCredit of UK LLC t/a AvantCredit - Bamboo Limited t/a Bamboo - Care Retirement Options Limited t/a Care Finance and Loans - CashEuroNet UK LLC t/a Pounds to Pocket/Quick Quid - Cash on Go Limited t/a Peachy.co.uk - Curo Transatlantic Limited t/a WageDay Advance/Juo loans - DJS (UK) Limited t/a PiggyBank - Elevate Credit International Limited t/a Sunny.co.uk - Everyday Lending Limited t/a Everyday Loans/Trust Two/Selfy Loans - Evergreen Finance London Limited t/a Moneyboat.co.uk - Evolution Money Limited - Ferratum UK Limited t/a Ferratum - Gain Credit LLC t/a Lending Stream LLC - George Banco Limited t/a George Banco.com - Gracombex Limited t/a The Money Platform - Harvey & Thompson Limited t/a H&T Money - Hymarc Limited t/a Stepstone Credit - Indigo Michael Limited t/a Safety Net Credit - Lend a Hand Finance Limited - Loan Machine Limited t/a Lead Affinity - Loan Marketing Limited t/a Credit Perfect - Loans 2 Go Limited t/a Loans 2 Go - Match the Cash Limited t/a Guarantor My Loan.co.uk - MMP Financial Limited t/a SwiftSterling.co.uk - Mobile Money Ltd t/a Mobile Money - Morses Club PLC t/a Morses Club & Dot Dot Loans - My Finance Club Limited - MYJAR IT OU - Nextcredit Limited t/a Nextcredit - Novaloans Limited t/a CASH4UNOW.co.uk - PDL Finance Limited t/a Mr Lender - Progressive Money Limited - Provident Personal Credit Limited trading as Provident and Satsuma Loans with registered office at 1 Godwin Street BD1 2SU (email firstname.lastname@example.org - Quint Group Limited t/a Quint - Response Funding Limited t/a Response Funding - RS Datatech t/a UK Credit Ratings - Stagemount Limited t/a Quidmarket T Dot UK Limited t/a T.uk - Temple Finance Limited t/a PerfectHome - TFS Loans Limited t/a TFS Loans - The Quick Loan Shop Ltd t/a TheQuickLoanShopLtd.co.uk - TM Advances Limited t/a TM Advances - Total Home Loans Direct Limited t/a THL Direct - Trusted Cash Limited t/a Trusted Quid - UK Credit Limited t/a UK Credit - Uncle Buck Finance LLP t/a Uncle Buck - Valour Finance Limited t/a Savvy.co.uk - Vanquis Bank Limited - Western Circle Limited t/a CashFloat.co.uk*
*We may send your personal information to Western Circle Limited who are authorised by the FCA as both a Lender and a Credit Broker. If Western Circle accepts your application but is unable to provide you with a loan directly, then it may choose to send your application to other lenders and/or credit brokers (all of whom will be authorised by the FCA) to find you a loan.
Where you have given your express consent to marketing, your personal data will be shared with us and our trusted third parties so we can inform you about products, services or offers which may be of interest.
Our trusted third parties include the following, but are not limited to:
Our related products, services and offers are:
Loan Comparison - Payday Loans/Short Term Credit - Debt Management - Loan Brokerage - Credit and Debit Cards - Credit Score Companies - Current Accounts - Guarantor Loans - Car Finance - Utility Switching - Broadband - Online Retailers - Claims - Tax Rebate.
We may need to disclose your personal data to regulatory bodies such as the Financial Conduct Authority or Information Commissioner's Office or any other applicable regulatory, government, compliance or law enforcement agency.
We may also disclose your personal data if required or permitted to do so by law or in connection with legal proceedings or in connection with the sale or transfer of our business.
Our lenders may use both credit referencing agencies and fraud prevention agencies to help make relevant decisions on any application.
Credit Reference Agencies (CRAs)
Fraud Prevention Agencies (FPAs)
When we assess your application we will also check your identity in order to prevent fraud and crime; this includes money laundering. We 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 data. This data 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.
If you choose to contact a CRA, please bear in mind that the data held may not be the same so it may be useful to contact all CRAs.
A small fee may be charged when data is requested. We have provided below contact details for the CRAs:
Data sent to CRAs
Inaccurate information provided by you
Data recorded outside the UK
We or our lenders may use and get access to data outside of the UK that has been recorded and reported by fraud prevention agencies.
The amount of time we retain your data for depends on the basis it was provided by you to us:
We will retain your personal data as advised above unless we have a legitimate reason for retaining it beyond those dates.
Your personal data may be held within the European Economic Area which comes under the GDPR. Where personal data is transferred or stored outside of the European Economic Union we check whether the EU Commission has issued an adequacy decision, which is a confirmation from them that the personal data will be afforded the same level of protection as if it was within the European Economic Union.
If there is not an adequacy decision in place, and to comply with GDPR requirements, we will ensure the transfer of personal data is protected by other means, including where explicit consent from the data subject has been received or through contractual obligations with relevant third parties regarding usage of the personal data.
Keeping your personal data secure and confidential is of tantamount importance to us. Due to this we have introduced rules, measures, specialist technology and implemented security policies to ensure that your data is protected.
We use Secure Sockets Layer (SSL) encryption to secure your personal data and only provide your personal data to the staff who have to access it for the function of carrying out their duties.
Whilst we make every attempt to protect your data there are still risks involved when inputting your data online and we need to make you aware of this.
We can further confirm that all parties we share your personal data with, such as our lenders, credit brokers and trusted third parties are bound by contract to maintain the security and integrity of your personal data.
Please be advised that, although Techno Digital Marketing Limited takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, Techno Digital Limited cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this site and your use of Techno Digital Limited's services, which necessarily includes data storage and data transmission, is carried out at your own risk.
The GDPR provides the following rights for individuals:
Subject to certain circumstances, you are able to exercise all of the above rights.
Where you elect to exercise any of your rights please be aware we not charge you a fee.
However, if we receive excessive, repetitive or unfounded requests we are permitted to charge a reasonable fee.
You have the right to be informed about the collection and use of your personal data. To be completely transparent with how we use your personal data we provide you with the following privacy information:
We regularly review, and where necessary, update our privacy information.
You have the right to know who has access to your personal data, what it is being used for, where it's kept, and everything about your personal data as it passes through our data process.
A 'Subject Access Request' (SAR) can be made requesting us to supply you with all reasonable information or documentation that we hold relating to your personal data. You can make a subject access request verbally or in writing. If you make your request verbally, we recommend you follow it up in writing to provide a clear trail of correspondence.
Before providing any information we must verify the identity of the person making the request using 'reasonable means'. We will ask you for your first name, surname, date of birth, address, a utility bill (or similar) and the method by which you received marketing communications.
Please call 0800 3600 284 or email your SAR to our Data Protection Officer: email@example.com
Alternatively, you can post your request to Atrium Court, The Ring, Bracknell, England, RG12 1BW.
Responses will be provided electronically in a clear format unless requested otherwise.
We have one month to comply with this request but if the request is complex can extend the period for a further two months. You would be notified of the time limit when making the request.
For more information on how you make a SAR please visit https://ico.org.uk/your-data-matters/your-right-of-access/
The GDPR includes a right for individuals to have inaccurate personal data rectified or completed if it is incomplete.
It is important that the personal data you input on this website is accurate, complete and up to date.
We will assume the personal data you provide is correct and provide our services on this basis. If fraudulent information is given then we may be alerted to this by a Fraud Prevention Agency.
If you think you have mistakenly given us incorrect information, please contact us at firstname.lastname@example.org and we will update it as soon as possible.
Whilst we make every effort to ensure the personal data we hold about you is right, if you notice any errors in any communications received from us please send us an email detailing the changes to the email address above and we will ensure it is accurate.
We will rectify the information within a month of receiving your request and inform all relevant third parties of the amendment. If the request is complex we can extend the period for a further two months.
You have the right to erasure which is also known as a 'request to be forgotten'. This equates to asking for any personal data you have supplied to be removed from our systems where there is no reason to keep processing it.
This right can be exercised under the following circumstances:
We will suppress and remove all data held, upon request. Our marketing partners will immediately be informed of the request and will follow the same actions. We will however keep the communication of the 'request to be forgotten' for our records. Where we cannot remove all your personal data we will notify you.
Grounds on which we can legally refuse a request are:
You can ask us to stop or restrict processing your personal data. It is an alternative to requesting erasure of your data.
This is not an absolute right and will only apply in certain circumstances such as:
As a matter of good practice we will automatically restrict processing your personal data whilst we are considering its accuracy or the legitimate grounds for processing the personal data in question.
When we restrict your personal data, we are still permitted to store it but not use it. We will inform all relevant third parties to confirm this right is carried out.
You can make a request for restriction at any time and we have one month in which to respond to your request. This can be extended by two months where the request is complex or we receive a number of requests. We would advise you if an extension is necessary clearly stating our reasons why.
The right to data portability allows individuals to obtain and reuse their personal data for their own purposes across different services. Before transferring your personal data we will carry out rigorous checks to verify your identity.
The right to data portability applies:
If you request us to transfer your information we will do so in a format that is structured, commonly used and in a machine-readable form.
We will respond to your request within one month. This can be extended by two months where the request is complex or we receive a number of requests. We would advise you if an extension is necessary clearly stating our reasons why.
You have the right to object to the processing of your personal data if it is for direct marketing purposes.
You can consent to receive direct marketing from us and our trusted third parties on our application page. This is not compulsory and, where consent has been given, it can be withdrawn at any time.
As soon as a 'right to object' request is received, we will cease processing your personal data and contact all parties we deal with to ensure they also cease processing your personal data. We ask for 3-5 working days to cease all communications.
We make a promise as a company, that we will inform you at the first sign of a data breach. We want to make sure we are being completely transparent with you regarding your data and the security of your data. We will contact you via email or phone, to inform you of any suspicious activity.
Within our company we have a designated DPO (Data Protection Officer), their contact details are as follows:
By calling: 0800 3600 284
Write to: The Data Protection Officer, Techno Digital Limited, 25 Clarendon Road, Redhill, England, RH1 1QZ
We do recommend that you bring any issues to our attention as soon as possible. The sooner we know about the issue the sooner we can help resolve it.
We will do our best to resolve your complaint but if you remain unsatisfied with any aspect relating to your personal information, you have the right to complain to the Information Commissioners Office.
The ICO may be contacted at https://ico.org.uk/concerns/
By post at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF Telephone: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number.
Alternatively, you may have the right to refer your complaint to the Financial Ombudsman Service who can be contacted at www.financial-ombudsman.org.uk/consumer/complaints.htm
By post at Exchange Towner, London, E14 9SR
Telephone: 0800 023 4567 (0300 123 9123 from a mobile)
When you visit this website a small text file known as a 'cookie' is placed on your computer or other device which may provide some personal data details from you. Some cookies are required for the functioning of the website, others allow us to recognise you each time you visit and remember your preferences. Cookies are also used to improve user experience on the website, advertising, tracking and browsing habits.
Should we be required to process your special categories of personal data, then we will notify you and seek your explicit consent prior to us doing so. Special categories of personal data as defined under GDPR are:
We do not knowingly collect any personal data from children under the age of eighteen. Applicants on this website must be eighteen years of age or older to use our services.
We are committed to treating customers fairly and as a result we have outlined our Transparency Promise below for all our customers to view.
We believe it is important for anyone who is using our website to have a clear and fair understanding of how the website works, what it’s limitations are and how it’s financed.
How products are selected
All of the products listed on our website come from our own research. We visit many different websites, search through telephone directories and seek out advertising looking for financial products to list on My Loan Choice.
Once we find a new product, we then set out to find as much about it as we possibly can. To do this, we read reviews on independent review websites, look at every aspect of the product's own website and also search for any news and interesting details about that product that we think our users might find informative.
We then maintain this information and keep it up to date with regular reviews of the products. We do everything we can to make sure only reputable, suitable products are presented to our customers on the website.
We also do everything we can to locate every available product, but we know we are not perfect so cannot promise a whole-of-market solution for our customers.
We are committed to treating customers fairly and as a result we have outlined our Transparency Promise below for all of our customers to view.
How products are presented
My Loan Choice enables you sort your results by whats most important to you, whether thats the cheapest product (based on annual percentage rate) or the quickest payout. This means you will see the results most suited to your needs as chosen by you.
How the site is financed
When we have added a new product to the website we will sometimes build a relationship with that product provider. Then, if you apply for the product or take out the product we will receive a commission. That’s where we get our revenue.
We promise to provide you with the best and cheapest offers we can find and will not promote a product more highly on our website to generate ourselves revenue.
We promise to write simple and clear terms and conditions so you can understand our service.
We promise to treat your personal data in a secure and appropriate way at all times.
We promise to respond as quickly as possible to any enquiries you have.