Credit Ladder Limited trading as 'Fast Credits' (referred to herein as Fast Credits and by the words 'us' 'we' and 'our') is a lender which provides consumers with guarantor loans regulated by the Consumer Credit Act 1974. This Privacy Policy explains when and why we collect personal information about consumers who visit our website, how we use the data, conditions under which we may disclose it to others and how we keep it secure.
'You' and 'Your' means You as an individual accessing this website and/or applying for and/or utilising our products and services whether as credit applicant, borrower, or guarantor. This Privacy Policy (the Policy) has been prepared by Buddy Loans to meet the requirements of the General Data Protection Regulations (the Act). We are registered with the Information Commissioner's Office under the Act with registration number Z3239423.
Here at Fast Credits we're committed to safeguarding and preserving your privacy when you visit our site or communicate with us electronically. This Privacy Policy, together with our terms of use, explains what happens to any personal data that you give to us, or that we collect from you, via our website at www.helpingloans.uk (the Site). We may update and modify this Policy from time to time, so please do return to the Site and review this Policy regularly.
By submitting your details to the Site and using our services you are consenting to the use of your personal information in the manner described below. Please read the following carefully to understand our views and practices regarding your personal data.
We may collect the following information from you as part of the process of validating your application and managing your loan agreement. Personal Data we collect from you includes:
Information that you provide by filling in forms on the Site:
* Your Name, date of birth and gender;
* Your contact details (including postal address, email address and phone number) - please note telephone calls may be recorded for training and monitoring purposes;
* Type of Employment including your monthly Income;
* Identifiers assigned to your computer or other devices, including your Internet Protocol (IP) address:
* Name of your employer including when employment commenced;
* Information you provide when conducting a Financial Assessment;
We retain your personal data processed by us for as long as is considered necessary for the purpose for which it was collected (including as required by applicable law or regulation).
In accordance with our retention policy, we will retain your personal information for eleven years from when any loans funds have been released. For loans applications that did not result in a loan being funded, then your personal information will be deleted two years after loan application was created. Call recordings systems will be retained for six years from when a funded account has been closed and two years if the loan application did not result in funds being released.
We take steps with a view to deleting, destroying, or permanently anonymising your personal data (which means that we are no longer able to identify you from it) when it is no longer necessary for its purpose and we are not required by law to keep it. For further information on Fast Credits retention policies, please contact the Data Protection Officer: dataprotectionofficer@pantherloans.com
We are aware of the importance of protecting your personal data we collect from you and therefore We store data in encrypted form on computers and control access via secure web pages. We employ firewalls and other security technologies to protect our servers from external attack. We train our employees in the proper handling of personal information and when we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
When you enter personal information on the application form, we encrypt that information using secure socket layer technology (SSL). We ask you not to permit anyone to use your name.
Unfortunately the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Site; any transmission is at your own risk. Once we have received your personal data, we will use strict procedures and security features to try to prevent unauthorised access.
We hope that you won’t ever need to, but if you do want to complain about our use of personal data, please send an email with the details of your complaint to dataprotectionofficer@helpingloans.uk or use the contact details above. We will investigate and respond to any complaints we receive.
You also have the right to lodge a complaint with the Information Commissioner's Office (“ICO”) (the UK data protection regulator). For further information on your rights and how to complain to the ICO, please refer to the ICO website
We reserve the right to make changes to this Policy at any time and any significant changes to this Policy will be emailed direct to the primary email address supplied by you; minor changes will be updated directly to the Policy and may not require notification. We advise you regularly review this document to ensure that you are aware of any amendments and to be clear on how this policy may affect you.
This privacy statement was last updated on 1st Jan 2025.