YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON A MORTGAGE
OR OTHER LOAN SECURED ON IT.
The content of this website and the products and services featured
are only available to residents of the United Kingdom aged over
18 and are subject to status. Loans may be secured on your property.
By accessing and using this website you are agreeing to our Conditions
of Use and Privacy statement.
Telephone calls may be recorded for training and security purposes.
AAA Loans are processed by Central Capital. Central Capital is a member of the
Finance Industry Standards Association (FISA) and subscribes to
their Code of Conduct. Central Capital is a licensed credit broker under the
Consumer Credit Act 1974. Central Capital is a wholly owned subsidiary of Central
Trust PLC.
Registered Office: PO Box 186, 1 Le Marchant Street, St Peter Port,
Guernsey, GY1 4HP. Registered in Guernsey 37613
Copyright © Central Capital. All rights
reserved.
This privacy statement covers the site www.aaaloans.co.uk. Because
this web site wants to demonstrate it's commitment to our users'
privacy, it has agreed to disclose it's information practices.
1. What personally identifiable information Central Capital collects.
2. What personally identifiable information third parties collect
through the Web site.
3.What organization collects the information.
4. How Central Capital uses the information.
5. With whom Central Capital may share user information.
6.What choices are available to users regarding collection, use
and distribution of the information.
7.What types of security procedures are in place to protect the
loss, misuse or alteration of information under Central Capital control.
8.How users can correct any inaccuracies in the information.
If users have questions or concerns regarding this statement, they
should first contact the Webmaster by emailing webmaster@aaa-loans.co.uk.
Central Capital is the sole owner of the information collected on www.aaaloans.co.uk
Central Capital collects information from our users at several different points
on our site.
Application Form.
We request information from the user on our application form. A
user must provide contact information (such as name, email address,
home address etc) and in some cases, financial information (such
as loan amounts, outstanding credit balances etc). This information
is used in consideration of your loan application. We use the information
to contact you regarding your application.
We store information that we collect through cookies, log files,
clear gif's, and/or third parties to create a profile of our users.
A profile is stored information that we keep on individual users.
We do not share your profile or personally identifiable information
with any third party outside of the Central Trust PLC Group of Companies.
A full list of companies is available from us on request.
Cookies
A cookie is a piece of data stored on the users computer tied to
information about the user. We use session ID cookies only. For
the session ID cookie, once users close the browser, the cookie
simply terminates.
By setting a cookie on our site, we allocate each visitor a Unique
Reference which follows them throughout the site. This Unique Reference
is logged along with referring domain information and just your
email address only in the event you make a loan application. If
you do not make a loan application, only your referring domain information
is stored.
Log Files.
Like most standard web site servers, we use log files. The includes
internet protocol (IP) addresses, browser type, internet service
provider(ISP), referring/exit pages, platform type, date/time stamp,
and number of clicks to analyse trends, administer the site, track
users movement in the aggregate, and gather broad demographic information
for aggregate use. IP addresses, etc are not linked to personally
identifiable information.
Clear Gifs (Web beacons/Web bugs).
On occasion, we employ a software technology called clear gifs that
help us monitor the effectiveness on certain marketing and advertising
which we do across the internet. Clear gifs are tiny graphics with
a unique identifier, similar in function to cookies, and are used
to track the online movements of web users.
Special Offers and Updates.
We send all new subscribers to our mailing list a welcome email.
Established members will occasionally receive information on products,
services, special deals, and a newsletter. Out of respect for the
privacy of our users, we present the option to not receive these
communications. Please see the Choice and Opt-out sections.
Service Announcements.
On rare occasions, it might be necessary to send out a strictly
service related announcement. These communications will not be promotional
in nature, and will relate strictly to any important service announcement
which we have to make, for example, server downtime.
Customer Service.
We communicate with customers on a regular basis to provide requested
services and information relating to their loan application. We
reply via email, phone or in writing in accordance with the users
wishes. Due to the nature of the loan application process it might
be a requirement to contact you by telephone or by writing to you,
and we will advise you if this is so.
Legal Disclaimer.
Though we make every effort to preserve user privacy, we may need
to disclose personal information when required by law wherein we
have a good-faith belief that such action is necessary to comply
with a current judicial proceeding, a court order or legal process
served on our web site.
Aggregate Information.
We do not share aggregated information with our partners and advertisers.
Third Party Advertisers.
Central Capital shares web site usage information about users with a reputable
third party for the purpose of targeting our Internet banner advertisements
across the internet. The information we may share with them is not
personally identifiable in any way to any of our users.
Choice/Opt-out.
Our users are given the opportunity to "opt-out" of having their
information used for purposes not directly related to our site at
the point where we ask for information. For example, our application
form has an "opt-out" mechanism so users who apply for a loan from
us, but don't want any marketing material, can keep their email
address off our lists.
Users who no longer wish to receive any communications or promotional
marketing information from us, may opt-out of receiving these communication
by replying to unsubscribe in the subject line in the email, or
email us at unsubscribe@aaa-loans.co.uk.
Links.
This web site may contain links to other sites from time to time.
Please be aware that we, Central Capital, are not responsible for the privacy
practices of such other sites. We encourage our users to be aware
when they leave our site and to read the privacy statements of each
and every web site that collects personally identifiable information.
This privacy statement applies solely to information collected by
this web site.
Surveys.
From time to time, our site requests information from users via
surveys. Participation in these surveys is completely voluntary
and the user therefore has a choice whether or not to disclose this
information. The requested information will be completely anonymous
and will not require any form of personally identifiable information.
In order for this website to properly fulfill it's obligation to
users, it is necessary for us to supplement the information we receive
with information from 3rd party sources.
Credit Check.
For example, to determine if we can offer a loan to an applicant,
we use their personally identifiable information to request a credit
report. Full details of this process is disclosed on our application
form and no credit check will be undertaken without a users consent.
If we decide to change our privacy policy, we will post those changes
to this privacy statement and other places we deem appropriate so
our users are always aware of what information we collect, how we
use it, and under what circumstances, if any, we disclose it. We
will use information in accordance with the privacy policy under
which the information was collected.
If however, we are going to use users personally indentifiable information
in a manner different from that stated at the time of collection,
we will notify users via email. Users will have a choice as to whether
or not we use their information in this different manner. However,
if users have opted out of all communication with the site, then
they will not be contacted, nor will their personal information
be used in this new manner. In addition, if we make any material
changes in our privacy practices that do not affect user information
already stored in our database, we will post a prominent notice
on our web site notifying users of the change. In some cases where
we post a notice we will also email users, who have opted to receive
communications from us, notifying them of the changes in our privacy
practices.
If users have any questions or suggestions regarding our privacy
policy, please contact us at:
Phone: 01923 651000
Fax: 01923 651298
Postal address for UK correspondence: 4th Floor, Melton House, 65-67
Clarendon Road, Watford, WD17 1BL.
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