Who are we?
BadCredit.co.uk operates as a trading name under PJG Financial Limited, a credit brokerage firm rather than a lender. We are registered in Scotland with the company number SC535782. Our activities are authorised and regulated by the Financial Conduct Authority (FCA), and we are listed on the Financial Services Register with the reference number 919697. Additionally, we hold a license from the Information Commissioner’s Office (ICO) with the registration number ZB537016.
Our registered office is:
PJG Financial Limited
272 Bath Street
Types of Information Collected
Legal Basis for Data Collection
As a credit brokerage firm, PJG Financial Limited utilises the information you provide on our website to facilitate your search for a personal loan in various ways.
We share your data with a select group of lenders and brokers to help you find the financial service product that best suits your needs. To process your data, we must have a lawful basis for doing so.
The processing of your data is justified by our legitimate interests or those of a third party, provided there is no compelling reason to safeguard your personal data that supersedes these legitimate interests.
As a part of the service we offer, we may get in touch with you regarding your search for the product or service you have requested our assistance with unless you have expressly asked us not to do so.
Furthermore, we might send you information about related products or services using the contact details you provided during your application. This communication is a fundamental aspect of the service we deliver to you. You can opt out at any time by using the contact information provided below.
The basis for contacting you is referred to as a ‘soft opt-in’, applicable when you have previously submitted information on our website and shared your details. This approach benefits most customers, allowing us to inform you about similar products and services you have previously shown interest in. You can opt out of this anytime by using the contact details below.
Usage of Your Personal Information
To carry out our responsibilities as a credit broker, we will share your information with authorised lenders and broker partners regulated by the Financial Conduct Authority.
The data we share may consist of some or all of the information you provided during your application, including personal details such as your name, address, date of birth, contact information, employment details, bank account information, and information regarding your financial status.
As a part of our service, we may profile your personal information to present you with advertisements about relevant products and services that could be of interest to you. These ads may appear on platforms like Google, Facebook, or similar sites.
You can opt out of receiving such advertisements using the contact details below.
We may also use your technical data, such as your IP address and cookies, to help enhance our website’s performance and user experience.
Sharing Your Information
To help you find the financial product or service you have requested, PJG Financial must share your information with lenders and brokers authorised and regulated by the Financial Conduct Authority.
Additionally, we may share your data with companies that aid us in delivering our services to you, such as telecommunication companies (for email and SMS communication) and advertising networks like Facebook and Google.
Our partners, with whom we share your information, may use it for their legitimate business interests, such as matching applications, conducting fraud checks, performing research like market trend analysis and customer demographic studies, and customising and refining the products/services they offer to you or other individuals in the future.
We may share your information with the following companies, as well as directly with lenders we believe may be able to assist you with your loan application:
For a complete list of third parties with whom we may share your data, you can request this information using the contact details below.
Data Retention Period
We will retain your personal information for up to 12 months from the date you last used our service unless you request its deletion earlier. If you ask us to delete your data, please be aware that it may still be stored on our backup servers due to legal or regulatory requirements.
Under the General Data Protection Regulation (GDPR), you have the following rights:
- The right of access: You have the right to confirm that your data is being processed and to access your personal data. You can request this using the contact details below.
- The right to rectification: If your personal data is incorrect or incomplete, you have the right to request its rectification, and we must inform any third parties that have received your data to do the same. You can request this using the contact details below.
- The right to erasure: You have the right to request the deletion of your personal data and to prevent its processing, though this right is not absolute and may not be possible in certain circumstances. You can request this using the contact details below.
- The right to restrict processing: You have the right to block or suppress the processing of your personal data, though this does not prevent the storage of your data, as it may be required for future processing restriction. You can request this using the contact details below.
- The right to data portability: You have the right to obtain and reuse your personal data for your own purposes across different services in a secure and unhindered manner. You can request this using the contact details below.
- The right to object: You have the right to object to the processing of your personal data based on legitimate interests, public interest tasks, direct marketing (including profiling), and processing for scientific/historical research and statistics purposes. You can request this using the contact details below.
- Rights related to automated decision-making and profiling: You have the right to object to automated decision-making, express your point of view, request human intervention, and receive an explanation of the decision, with the option to challenge it. This right is not absolute and does not apply to consumer credit agreements. You can request this using the contact details below.
- The right to withdraw consent: If you have given us explicit consent to process your personal data, you can withdraw that consent at any time, including the removal of consent for third-party marketers to contact you. You can request this using the contact details below.
- The right to lodge a complaint with a supervisory authority: You have the right to file a complaint with us directly and/or with a supervisory authority, such as the Information Commissioner’s Office (ICO) in the UK. You can find their contact details here: https://ico.org.uk/global/contact-us/. For further information on your rights, visit www.ico.org.uk.
PJG Financial Limited uses “Essential,” “Functionality,” and “Marketing” cookies. PJG Financial Limited may use all or a combination of all three categories of cookies. You can find out more about each cookie category below.
- Essential Cookies: These cookies allow you to navigate the website and use its features.
- Functionality Cookies: These cookies help improve the website experience by tracking user behaviour and monitoring navigation paths.
- Marketing: We use third parties to provide customised advertising and other content to visitors on our website.
How do you keep my data secure?
Your security and privacy come first in everything we do. We utilise the most advanced security infrastructure and measures to ensure your data is private. All personal data is stored on dedicated servers with high levels of encryption. All companies with which we share your information have to display that they have high levels of data security before we share any information with them.
Will you transfer my data to a country outside the European Economic Area (EEA)?
We may transfer your data to a country outside of the European Economic Area (EEA) if the 3rd party lender or broker is based outside the EEA. The safety and security of your personal data are of the utmost importance to us, and we have taken all necessary precautions to ensure your data is protected to the same level as within the EEA.
How do I complain?
If you have a complaint, we would like to hear from you. You can contact us using the information below:
PJG Financial Limited
272 Bath Street
Please see our complaints policy for further information.
How do I contact you?
Post: PJG Financial Limited
272 Bath Street