These Terms and Conditions (along with any documents referred to herein) set out the conditions of use of our Services.
Your continued use of this Website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.
1. Who we are
Professions Loans Limited, including See Business Loans, a trading style of Professions Loans Limited, registered in England and Wales with Company Number 9190117, located at Suite 16, Pine Court Business Centre, 36 Gervis Road, Bournemouth, BH1 3DH.
We are a business and consumer credit broker offering solutions in the finance market. We undertake business strictly within the United Kingdom.
Professions Loans Limited is regulated by the Financial Conduct Authority for the provision of consumer credit activities.
Our Data Protection Register number is ZA112835. The data controller is Professions Loans Limited.
3. How we work
In order to provide the service, you have requested we will process your information and share it with our panel of lenders, CRA’s, other brokers and any other third party we believe may be able to help you.
In order to assess creditworthiness, verify identities, prevent financial crime and so we can find the right lender for your circumstances, we and our lenders may perform ‘soft’ credit searches (quotation searches) on you and anyone to whom you are financially linked. This search is conducted by a CRA and details of the CRA’s we work with are available on request. The result of the ‘soft’ search will be recorded on your file and or anyone you are financially associated with by the CRA but will not be visible to anyone but you or your financial associates. These searches have no impact on your credit score or the credit score of your financial associates.
If you choose to proceed with a loan, your selected lender will perform a ‘hard’ credit search (application search), to verify your identity, confirm your address, assess your creditworthiness and to prevent and detect financial crime. In doing so, the CRA will add the details of this search to all credit files relevant to the application. This search can be viewed by the credit reference agency and any other organisation that conducts a credit search, including lenders. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.
If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, details will be shared with fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information. We and other organisations may access and use the information recorded by fraud prevention agencies to prevent fraud and money laundering, for example, when: – Checking details on applications for credit and credit related or other facilities – Managing credit and credit related accounts or facilities – Recovering debt – Checking details of job applicants and employees
Information held about applicants by CRA’s may already be linked to records related to one or more of your partners or members of your household. For the purpose of this application you may be treated as financially linked and the application may be assessed with reference to any ‘associated ‘records.
4. Our Fees
We do not charge fees for the service we offer. Our income is derived from commissions paid by the lenders and other third parties we deal with for any successful introduction we make.
Our website is provided “as is,” without any warranties of any kind. To the fullest extent permissible under applicable law, Professions Loans Limited disclaims all such warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, freedom from errors, suitability of content, or availability.
6. Data Protection
Professions Loans Limited takes the privacy of your information very seriously.
6.1 This clause 5 applies between you, the User of this Website and Professions Loans Limited, the owner and provider of this Website. It applies to our use of any and all Data collected by us or provided by you in relation to your use of our services. It does not extend to any websites that can be accessed from this Website including, but not limited to, lenders, brokers or links to social media websites.
6.2 We may collect the following Data, which includes personal Data, from you:
b. Contact information such as telephone number, email address, residential / business address, previous addresses as relevant;
c. Financial information including information held by Credit Reference Agencies;
d. Information to satisfy legal and regulatory obligations placed on us;
e. IP Address (automatically collected);
f. Web browser type and version (automatically collected);
g. Operating system (automatically collected).
6.3 We will retain any Data you submit until such time as you have contacted us requesting removal of your data from our database. Your data will be removed within 30 days of receiving your request.
6.4 All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998.
6.5 Data may be required by us from time to time in order to provide you with the best possible service and experience. Specifically, Data may be used by us for the following reasons:
a. Internal record keeping;
b. Improvement of our services and procedures;
c. Staff training;
d. Transmission by email of promotional materials that may be of interest to you;
e. Contact for market research purposes which may be done using email,
telephone or mail;
f. Auditing and monitoring our business activities
7. Changes of Business ownership and control
We may also disclose Data to a prospective purchaser of our business or any part of it. In these instances, we will take steps with the aim of ensuring your privacy is protected.
8. Controlling use of your Data
Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following:
use of Data for direct marketing purposes; and
sharing Data with third parties.
All Cookies used by this Website are used in accordance with current UK and EU Cookie Law.
Before the Website Places Cookies on your computer, you will be presented with a pop-up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling Professions Loans to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.
This Website may place the following Cookies:
Analytical/performance cookies: They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily;
Functionality cookies: These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences;
Targeting cookies: These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser.
You can choose to delete Cookies at any time; however, you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings.
10. Changes to our Data Protection Policy
Professions Loans Limited reserves the right to change our Data Protection Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the policy on your first use of the Website following the alterations.
11. Governance & Jurisdiction
These Terms and Conditions are governed, construed, and enforced according to English law without regard to its conflict of law rules.
Each party hereby irrevocably consents to the exclusive jurisdiction and venue of Courts located within England and Wales in connection with any matter arising out the transactions contemplated under these Terms and Conditions.