At Ukpaydayloans.co.uk, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or submit a loan enquiry through our forms.

We are committed to handling your data responsibly, transparently, and in compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and relevant Financial Conduct Authority (FCA) guidelines.

1. Who We Are

Ukpaydayloans.co.uk is a loan broker website that connects UK residents with trusted short-term and payday loan providers. We do not provide loans directly. Instead, we collect your loan enquiry details and securely share them with our panel of FCA-authorised lenders and brokers so they can assess your eligibility.

2. Information We Collect

When you use our website, we may collect the following information:

• Personal Identification Data: Name, email address, phone number, date of birth, address.

• Financial Information: Employment details, income, expenses, bank account information (for eligibility checks).

• Loan Enquiry Details: Loan amount requested, loan term, and purpose of the loan.

• Technical Data: IP address, browser type, device type, and website usage (via cookies and analytics tools).

3. How We Use Your Information

We use your personal information for the following purposes:

1. To process your loan enquiry and connect you with lenders or brokers.

2. To perform eligibility and affordability checks (soft search only; no hard credit check without your consent).

3. To communicate with you about your application or send requested information (e.g., loan guides, tips).

4. To comply with legal obligations and FCA regulatory requirements.

5. To improve our website, services, and customer experience.

4. Sharing Your Information

We may share your personal information with:

• FCA-authorised lenders and brokers in our panel who may offer you a loan.

• Service providers who help us operate the website, forms, analytics, or email systems.

• Regulators and authorities (where legally required, e.g., FCA, ICO).

We will never sell your personal data to third parties.

5. Cookies & Tracking

We use cookies and analytics tools (such as Google Analytics and Hotjar) to improve site performance, track conversions, and understand user behaviour.

You can manage or disable cookies through your browser settings. For more information, please see our Cookie Policy.

6. Your Data Rights

Under the UK GDPR, you have the right to:

• Access the personal data we hold about you.

• Request corrections to inaccurate or incomplete data.

• Request deletion of your data (where applicable).

• Restrict or object to how we process your data.

• Request data portability (transfer of your data to another provider).

• Withdraw consent for marketing communications at any time.

To exercise these rights, please contact us at privacy@ukpaydayloans.co.uk.

7. Data Security & Retention

We use SSL encryption, secure servers, and other safeguards to protect your data.

We only keep your personal data for as long as necessary to fulfil the purposes outlined in this Privacy Policy or to meet legal/regulatory obligations.

8. Marketing Communications

If you opt in, we may send you occasional updates, offers, or responsible borrowing tips via email. You can unsubscribe at any time by clicking the “unsubscribe” link in our emails.9. Children’s Privacy

Our services are not directed at individuals under 18. We do not knowingly collect information from anyone under this age.

10. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, please contact us:

Ukpaydayloans.co.uk
Email: privacy@ukpaydayloans.co.uk

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at www.ico.org.uk.