Use of your personal details on this website
Buzz Loans is a trading style of ASB Marketing Ltd (company registration number: 08477140),
registered address: 49 Piccadilly, Manchester, M1 2AP, UK. ASB Marketing Ltd takes the privacy and
be considered as part of our Terms & Conditions (‘Website Terms’).
www.buzzloans.co.uk (‘the Website’) and when you accept our Website Terms.
The Website is delivered to you by ASB Marketing Ltd. ASB Marketing Ltd understands the
importance of protecting your Personal Data (defined in the Data Protection Act 1998). We strive to
provide to you, a customised service that most appropriately meets your needs whilst carefully
securing your information. This document outlines the ways in which we collate your Personal Data,
whilst stating practices that we will and will not perform, including the security measures that we
carry out to protect your information. It is important that you read and understand this Privacy
Policy in combination with our Website Terms.
You will be given the opportunity to opt out of marketing materials when we initially take
Personal Data from you. You will also be offered this opportunity again when you request a new
product or service. To opt out you will be required to select a tick box upon application or the signing
of your contract. You should contact us regarding receipt of marketing information if at any point
you change your mind.
The Personal Data we store for you may be deemed as ‘sensitive personal data’, defined in the
Data Protection Act 1998. For instance, information regarding your ethnic origin or the like.
1. COLLECTION OF PERSONAL INFORMATION
The Personal Data we collect about you may come from a variety of sources,
including without limitation:
- 1.1. Information collected from you when you successfully request a product or
service from us or our lenders. This information may be contact details, financial information
including bank details, personal details such as date of birth and employment details.
- 1.2. Information collected from you whenever you communicate with us. This
may be in the form of an enquiry or response to us. This information will provide insight into
how you utilise our services.
- 1.3. Information collected from documents in the public domain, i.e. the
2. HOW WE USE YOUR PERSONAL DATA
- 2.1. The Personal Data that we collect is integral to our business. We are
committed to only ever using Personal Data for the purposes outlined below. Personal Data is kept
no longer than necessary to carry out the below purposes:
- 2.1.1. To allow us to identify you upon contact.
- 2.1.2. To allow us to identify services, accounts and products
that you hold with us or our selected partners. This will be done
automatically through the use of a scoring system which utilises Personal
Data you and/or third party agencies have provided about you, including
credit reference agencies.
- 2.1.3. To allow us to manage and communicate with you
regarding improvements to the administration of accounts, products and
services that we have provided to you in the past, currently or in the
- 2.1.4. To allow us to perform analysis for the purposes of
marketing, to carry out the profiling of customers (including with
transactional information), and to carry out research, including producing
- 2.1.5. To allow us to identify and avoid fraud and/or losses.
- 2.1.6. To allow us to communicate with you in whichever way
necessary (telephone, SMS, MMS email, post or visits) regarding services
and products we and our selected partners offer, unless you have opted
out of these communications.
- 2.1.7. To allow us to record and observe communications
between us (including telephone conversations and emails) for the purposes
of assuring quality and compliance.
- 2.1.8. To allow us or our lenders to confirm your personal
information with agencies involved in the prevention of fraud. Providing
information that is false or inaccurate may lead to us suspecting you of
fraud, which will be recorded.
- 2.2. Your Personal Data will not be disclosed to any third party unless in
- 2.3. Your Personal Data may be disclosed to other parties and organisations if:
- 2.3.1. We, or all of our assets, are in the possession of a third
party or are in the course of being attained by a third party. In this
case, Personal Data stored with us regarding customers will count as
a transferred asset.
- 2.3.2. We are legitimately required to disclose data for the
regulatory or legal reasons or for the purposes of on-going or future
- 2.3.3. We require companies or individuals to carry out purposes
on our behalf. We may provide third parties with your information
for the reasons outlined in clause 2.1. We may otherwise provide
third parties with Personal Data for the purposes of deliveries,
sending mail and email, carrying out orders, discarding duplicated
information from customer lists, data analysis, assisting in
marketing, analysing and providing results from search and links,
including paid, payment processing (credit and debit cards) and
delivery of customer service. Parties have access to Personal Data
that is necessary to carry out functions and comply with strict
contractual provisions set by us. Parties are strictly required to
Data Protection Act 1998. Occasionally parties to whom we disclose
Personal Data to may exist outside the European Economic Area. All
necessary steps will be taken to ensure that Personal Data is secure
and protected in agreement with the Data Protection Act 1998 and
- 2.4. Where you provide us with personal information on somebody else’s behalf,
- 2.5. Any transaction we enter into with you is subject to the following:
- 2.5.1. We, our lenders, and potential third parties, may conduct
credit and fraud prevention checks with credit reference and fraud agencies. We, and
they, reserve the right to store a record of such searches. Data stored about you by
agencies may be related to the records of family members residing at the same address
that you are financially linked to. Related records will also be considered in credit checks
and checks relating to the prevention of fraud. Details from your application and your
payment details will be stored with these agencies and is subject to being disclosed to
other organisations to make credit decisions about you and those whom you are
financially linked to. This information may also be utilised in the resolution of debt and
the prevention of fraud. This will include members who have relocated and have missed
- 2.5.2. Providing false or information that is not accurate may
result in us suspecting fraud. This will be recorded and may be disclosed to
organisations and other parties. Technology may be used to detect and
prevent fraud by us and other credit/insurance organisations.
3. HOW WE PROTECT INFORMATION
- 3.1. We use Secure Sockets Layer (SSL) software to ensure your information is
protected during transmission. The technology encrypts any data you provide.
- 3.2. When confirming an order, you will be presented with only the last five
digits of your debit and credit card numbers. The complete card number will be directed to the
card company when your order is being processed.
- 3.3. We employ electronic safeguards, physical safeguards and procedural
safeguards in relation to the collection, disclosure and storage of your Personal Data. On
occasion, we may request that you provide proof of your identity before we disclose any
personal details to you. This is in accordance with our strict security policy.
- 3.4. It is your responsibility to protect your username and password from
unauthorised usage. You should ensure that you have signed out of your account before you
finish on a shared computer.
- 4.1. We may email you regarding our products and/or services if you
communicate using the internet. You will be provided the opportunity to opt out of these emails
when you initially disclose your personal information to us. If you change your mind about how we
communicate with you, please see Marketing Opt-out.
- 4.2. Communications using the internet (emails, webmails) may not have been
encrypted and therefore may not be secure. Due to the nature of the internet, communications
may pass through several countries before reaching the recipient. We do not accept
responsibility for the loss of data or the unauthorised access of data that is beyond our
5. COOKIES POLICY
We strive to make sure that your experience with us is as convenient, useful and reliable as
possible. In order to achieve this, we place small files containing information about the way you use
our website on to your computer. These files are known as ‘cookies’.
Cookies cannot enable us to personally identify you and are solely used to improve our services
to you. Cookies enable:
- You to navigate efficiently between the Website’s different pages.
- Services to recognise the compute you are using so that your data is available
without you having to enter the same information twice.
- Us to recognise that your username and password has been entered once
before, so you are not required to give it again for the different web pages.
- Us to measure how our customers interact with our services so that we may
You may choose to accept all cookies, accept some cookies, be notified of when a cookie issued
or to disable cookies completely. Disabling cookies however, means that you will not have access to
personalised services and you will not be in the position to take full advantage of the features of our
Website. You may refer to your specific browsers ‘Help’ category for guidance on managing your
cookies and deleting cookies from your computer.
You may discover multiple cookies in a single file – this depends on the type of computer you
All cookies on our website have been grouped in accordance with the categories found in the ICC
UK Cookie guide:
Group 1: STRICTLY NECESSARY COOKIES
The cookies in this category are necessary to enable you to browse the website and access its
features (including secure areas). These cookies are integral to the running of the website and
without them, we could not provide many of the functions required to offer services and products,
for example shopping baskets and payments.
Group 2: PERFORMANCE COOKIES
Performance cookies collate data regarding how customers interact with a website, for example
the pages that are accessed the most, error messaging on web pages etc. These cookies do not
collect personally identifiable information. The information collected by these cookies is anonymous
and is analysed for the purpose of improving our customers’ experience.
Group 3: FUNCTIONALITY COOKIES
Functionality cookies allow our website to keep a record of the details you input, for example
your username or address. This allows us to present you with more personally tailored features.
These cookies may also be used to record preferences you have made in relation the website, such
as fonts, fonts size and other customisable sections of the website. The information collected by
these cookies may be anonymised and cannot be used to see your browsing activity on other
Group 4: TARGETING OR ADVERTISING
Targeting cookies or advertising cookies are used to provide adverts to you that are relevant to
your interests. These cookies are also implemented to restrict the amount of times you are
presented with an advertisement to assist us in measuring a campaign’s effectiveness. These cookies
are often placed by advertising networks with the permission of the website operator. The websites
that you have previously visited will be remembered by these cookies – this information is then
shared with advertisers.
When using this website, you confirm that we may place these cookies on your computer, or
- 6.1 Third-party advertising links may be included on this Website. Personally
identifiable information is not disclosed to advertisers.
- 6.2 Third-party websites, advertisers or advertising companies carrying out
functions on their behalf may utilise certain technology to deliver advertisements to your
browser directly. These parties will receive your IP address and may use web beacons,
advertising. We are not responsible and do not have control over or access to the cookies that
third party websites use. The practices of third parties and advertisers shall not be covered by
their individual privacy policies. You may also access the Network Advertising Initiative for more
information, including details of how to opt-out of communications, regarding advertising
companies on the internet, known otherwise as ‘network advertisers’ or ‘ad networks’.
- 6.3. We are not liable for any loss sustained by you when choosing to access
third party websites.
7. OTHER INFORMATION
necessary without notifying you. We are not to be held liable to you or third parties for
relates to the Personal Data we store about our customers.
- 7.3. If you require access to the Personal Data that we store regarding you,
please contact us at email@example.com. You may incur a charge of £10 for the cost of
- 7.4. We strive to ensure the Personal Data we store regarding you is accurate
and current. If, however, you believe this information to be inaccurate, please notify us on
firstname.lastname@example.org. and it will be deleted or corrected.