This website (the “Website”) is operated by We Can Finance Ltd ("we", "us" or "our"). We are a company registered in England and Wales under company registration number 12817070. Our registered office is located at Cambrian Complex Ystrad Road, Fforestfach, Swansea, Wales, SA4 3HJ. As a data controller, we are registered with the Information Commissioner’s Office under registration number ZB640135. We respect your privacy and are committed to protecting your personal information in our role as a data controller.
By using our Website and services, you agree to the terms outlined in this privacy policy. We recognise the importance of your personal data and are dedicated to handling it responsibly and in accordance with applicable data protection laws.
At We Can Finance Ltd, we may collect personal information from you in various ways. This information is essential for us to provide you with our tailored finance services. The types of personal information we collect include, but are not limited to:
This information may be collected directly from you when you apply for finance, or indirectly via Credit Reference Agencies or other third parties as part of our services. Collecting this information allows us to consider and process your application for products and/or services efficiently.
We will use your personal information you give to us, or we may collect data from Credit Reference Agencies or other third parties on your behalf as part of our services. This may include personal sensitive information, and we will use this information for the following reasons:
We may combine this information with information you give to us and use this information and the combined information for the purposes set out above.
We may need to disclose your data to others to ensure we can efficiently provide the products, services and information you request. Your data may be disclosed to the other parties as described below. These third parties act on our instructions and are processors of your information:
The third parties with whom we may need to share personal information to help us provide services and products to you are detailed within this section.
Lenders may continue to exchange information about you with CRAs while you have a relationship with them. They will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs. When CRAs receive a search from a lender post approval, this will place a search footprint on your credit file that may be seen by other lenders.
If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together, and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.callcredit.co.uk/crain. The Credit Reference Agency Information Notice is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same document:
Callcredit : www.callcredit.co.uk/crainWe may pass on any details you provide to us to affiliates, in accordance with our legitimate interest to assess how you interact with our site and which products and services you are interested in or choose, in order to tailor and adapt our offerings to customers and to improve customer experience.
We have appropriate legal bases on which to collect, use and share data about you.
Our lawful bases may include consent (where you have given consent), contract (where processing is necessary for the performance of a contract with you (such as processing a finance quote or application, or to maintain your account) and our own legitimate interests (such as communication).
Performance of a contract.We need you to give us the information you provide, and to collect information about you from Credit Reference Agencies, identity protection partners or other third parties in order for us to provide you with our services.
We cannot provide a finance quote or our services to you without collecting the information you give us because we need certain information from you to be able to share with brokers & lenders and provide you with suitable financial offers.
For other types of information (such as the information we collect based on your use of the website and information we receive from our sources about you), we process this information for the purposes of providing our services to you as agreed in our contract and for the purpose of to enable us to:
Consent.We will always seek your consent to process certain types of information where we are legally required to do so. You have the right to withdraw or decline your consent at any time.
Legitimate interests. We may process your personal data for the purposes of our legitimate interests or for the legitimate interests of our suppliers provided that such processing does not outweigh your rights and freedoms.
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with financing or other services). In this case, we may have to cancel such financing or service you have with us but we will notify you if this is the case at the time.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
Please contact us at the address shown below if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.
We may ask credit reference agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used, acceptance or rejection of your application will not depend only on the results of the credit scoring process.
Another person’s records will be ‘associated’ with you, by us and/or credit grantors, when: 1. You make a joint application 2. You advise us of a financial association with another person 3. The credit reference agencies have existing linked or ‘associated’ records This ‘association’ will link your records at the credit reference agencies and will be taken into account in all future applications by either or both of you. This shall continue until one of you applies to the credit reference agencies and is successful in filing a 'disassociation'. You MUST therefore ensure when making a joint application or advising us of some other financial association that you are entitled to: 1. Disclose information about your joint application 2. Authorise us to search, link or record information at a credit reference agency/ies about you and anyone referred to by you.
We may keep your information for a reasonable period for these purposes.
By providing us with your personal information you consent to our processing your personal information for the above purposes. You also consent to our transferring your information to countries or jurisdictions which do not provide the same level of data protection as the UK for the above purposes. We work with certain data processors who are based outside of both the UK and the European Economic Area and, with all of these data processors, we have an appropriate contract in place to ensure your information is protected.
Cookies are pieces of data created when you visit a website, and contain a unique, identification number. Some cookies are stored in the cookie directory of your hard drive, and do not expire at the end of your session. Cookies do not contain any personal information about you and cannot be used to identify an individual user. When you visit a website, it will recognise your device on future visits. Unless you have adjusted your browser settings to refuse cookies, our system will issue cookies as soon as you visit our site.
Cookies do a number of different jobs such as remembering your preferences and chosen items, assisting you to improve your site experience as well as trying to ensure that the adverts or offers you see online are more relevant to you. For further details of how we use cookies on our website, or to find out about specific cookies we use on our site,
We may use Key Stroke Recording technology on our website. This technology records the information you fill in on our website as you complete it. If you do not proceed to submit your application we may use legitimate interests to contact you using the details you added on the application form, to see if you would like to complete your application. We will not use your contact details for any other purpose.
If you do not wish to receive marketing information from us or any of our product providers, other than information relating to the goods and/or services which you have requested information about, please DO NOT tick the relevant boxes when submitting your personal information by application, or on one of our sign up forms. Alternatively, please contact us using the details below or simply unsubscribe from any email that is sent to you by by us (which will be located at the bottom of the email).
Where you have agreed, we may share your information with our business partners and suppliers for marketing purposes or we may send you information about other organisations' goods and services. We may contact you by mail, telephone, email, SMS or other electronic messaging service with offers of products, services or information that may be of interest to you. If you do not wish to receive marketing information from us or our business partners, other than on the goods and/or services which you have requested information about, please indicate this when submitting your personal information.
We take appropriate measures to ensure that the information disclosed to us is kept secure, accurate and up to date.
We will only keep your information for as long as we reasonably need it, which may include:
You should note that if our business (or any part of it) is sold or transferred at any time, the information we hold may form part of the assets transferred, although your personal information will still only be used in accordance with this policy. We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time, so you are encouraged to review this policy from time to time. We will, of course, notify you of any changes where we are required to do so.
You are entitled to the following in relation to your data:
To request any of the above, please email [email protected]
If you wish to make a complaint about how your personal data is being processed us (or third parties as described above), or how your complaint has been handled, please contact us on [email protected]
You also have the right to lodge a complaint directly with the UK supervisory authority which is the Information Commissioner’s Office and can be contacted via the details below.
The ICO’s address: