User Gain International Limited creates technology and infrastructure systems that drive many of the largest lead generation companies in the instalment loan marketplace.
Through our consumer brands, User Gain International Limited helps people to receive the financial support they need as loan brokers within the UK specialising in acquiring customers who are in search of medium-term financing for its large panel of lenders.
This privacy statement applies to CreditMyFunds™ owned and operated by User Gain International Limited (“ CreditMyFunds™”, “we”, “us”, “our”). This privacy statement describes how User Gain International Limited collects and uses the personal information you provide on our website: https://creditmyfunds.co.uk. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
This website uses Google Ads
This website uses the Google Ads remarketing and customer match services to exclude advertising on third party websites (including Google) to previous site visitors or site users.
It could also mean that we EXCLUDE advertisements to previous applicants that have submitted their email address to us for the purpose of obtaining or using or services offered on our websites
Google Ads remarketing will allow us to not display ads to you based on what parts of this website you have viewed by placing a cookie on your machine or not display ads if you are logged in to any google services by using your email address to exclude advertisements to you using the Google Ads customer match service.
This cookie does not in any way identify you or give access to your computer.
Google Ads Re-marketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. As always we respect your privacy and are not collecting any identifiable information through the use of Google’s or any other 3rd party remarketing system.
In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third-party services). These companies may deliver ads that might also place cookies and otherwise track user behaviour.
You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.
Data may be accessed and/or deleted by end users via Google MyActivity
To provide website visitors with the ability to prevent their data from being used by Google Analytics Google Analytics Opt-out Browser Add-on
Protecting your personal details
We are offering lending products that are available to us as an Appointed Representative/Introducer Appointed Representative of Nouveau Finance Limited.
User Gain International Limited is registered under the Data Protection Act 1998 with the Information Commissioner’s Office: Registration Number: ZA361186
If you would like to alter your consent on cookies: Change your consent
How do you collect information
We may collect Personal Data from you:
a) When you visit our website.
In most instances, we will not retain your data merely pass it forward to a third party.
Do you record any communications
If you write to us we will retain correspondence.
What type of information is collected from me?
a) contact details;
b) date of birth;
c) shopping preferences;
d) email details;
e) IP addresses:
f) employment details;
g) income details;
What is our lawful basis for collecting this data
In order for us to process your data, we have to have a lawful basis to do so. We are relying on the following basis to do so:
(a) Consent: you have given clear consent for us to process your personal data for a specific purpose.
(b) Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect your personal data which overrides those legitimate interests.
We have identified this lawful basis to assess whether we can provide you with a loan, continue to market to you or manage your account.
How is the information used
It helps us in the following ways:
a) So we can identify you when you contact us.
b) So we can identify accounts, services and products you may have from us.
c) So we can, and other carefully selected third parties, use your information to let you know of other products and services, including those of others, that we believe may be of interest to you.
d) So we can prevent and detect fraud or loss.
e) So we can improve your account administration.
f) So we can undertake marketing analysis and customer profiling in order for us to improve our services to you.
Who has access to my information
a) all our staff;
b) any member of our group (subsidiaries) or holding companies;
c) third parties including police or government agencies should they request it;
d) if any officials who request it for legal proceedings;
e) lenders – If you submit an application for a credit product;
f) a third party buyer, if our company and all of its assets are sold to this third party then your personal data will also be transferred to this third party;
g) third parties if we may need to pass on personal data to, for example, others who offer administration services, marketing information and customer services;
Do you sell data
We are an Introducer/Appointed Representative. That is our business. We pass you onto the relevant company that will find you a loan and they will collect your data. We receive a commission for the referral.
We do not sell your data to any other parties.
Can I refuse my data being sold
Yes, you can. There will be an opt-out on every communication you receive.
Do you buy data
No, we do not buy data for the purposes of marketing.
Why do you pass my details on to third parties
We pass your details to the relevant business that provides the financial product you have requested.
How do I know that any third party is suitable and trustworthy
We carry out comprehensive checks on each party that we work with to ensure your personal data is secure and that the communication you receive is relevant to your needs. Communication from the third party may be by email, SMS or telephone.
What type of businesses do you match me to
We work with a wide variety of businesses that offer financial products. All of the businesses we work with are associated with Nouveau Finance Limited who are our Principal company.
How can I update and access my data
Please email us at email@example.com, using subject line heading ‘change my data’.
What security do you have to protect my data
We have a very strict policy on protecting your Personal Data:
a) We make sure we do thorough checks on everyone we work with.
b) We also encourage you to use a secure and confidential password to access your account and encourage you to sign off properly when using a shared computer.
c) We use encrypted software.
d) The limited data we do store is stored on cloud servers online.
• Enhance your customer journey and experience across our sites.
• Ensure your privacy and security across our secure sites.
• To collect historical research data for analysis of website traffic, which helps us improve and make our services more efficient.
• To exclude our advertisements on advertising networks being shown or presented to you again after you have already visited our sites.
The cookies we use in no way gives us access to your device or any personal information about you.
Do you profile your information
No, we do not profile your information.
What age must I be to use your services
18 years old in the United Kingdom and state minimum age limits in the United States.
Date of last update: 2nd May 2019.