Privacy policy

Introduction

We are East Lancashire Moneyline (IPS) Ltd trading as Moneyline.
Our company registration number is 29282R.
East Lancashire Moneyline (IPS) Ltd is the data controller.
Our Information Commissioner’s Office registration number is Z5949140.

We take your privacy seriously and are committed to respecting and protecting your privacy. It is important to us that you have confidence in how we handle your information. This policy explains how we collect, use, store and share your information, together with your rights under UK data protection law.

If you have any questions about our data protection, please contact our Data Protection Officer. Our contact details are at the bottom of this policy.

Information that we collect and hold about you

We collect personal and financial information from you in person and through other channels. The ways that we do this include, but are not limited to:

Telephone calls with our team.
In person with our team.
Our website.
Our App.
Conversations on social media.
Cookies (please see our Cookies Policy on our website).
Feedback you give to us.

This information includes, but is not limited to:

Date of birth.
Phone numbers.
Email address.
National Insurance number.
Details about your income and expenditure.
Information about your credit history.

We may collect sensitive information from you to help us give you any additional help you need. This may include information about your health, circumstances affecting vulnerability, or other information needed to assess affordability and provide appropriate support.

We will only collect information that we need to provide our products and services to you. By giving your personal information to us, you are confirming that the information you are giving is correct and relates to you.

Lawful basis for using your information

We will only use your personal information when we have a lawful basis for doing so. Examples include, but are not limited to:

For the performance of your agreement with us, including processing your application and managing your account.
When we have a legal duty, such as to confirm your identity, prevent fraud, or meet regulatory requirements.
When we have a legitimate interest, such as improving our products and services, recovering monies owed to us, or keeping our records up to date.
When we have your consent where this is needed, for example to send you details about our products and services or where we ask for certain sensitive information.

Where we rely on legitimate interests, we will consider the impact on your rights and make sure our use of your information is fair, proportionate and necessary.

Where we process special category data, such as health information, we will only do so when an additional condition under data protection law applies, such as your explicit consent or where the processing is necessary to provide appropriate support and meet our legal or regulatory obligations.

How we use your information

Reasons why we use your information include, but are not limited to:

To assess your suitability for our products.
To create and maintain our agreements with you.
To gather information about your credit history.
To confirm your identification.
To make lending decisions.
To process your loan application and credit agreement.
For monitoring and training purposes (this includes call recordings).
To keep your records up to date.
To search Credit Reference Agencies and/or Fraud Prevention Agencies.
To collect debts, including giving information about you to a tracing company or third-party debt collectors where this is appropriate and lawful.
To record information about visitor activity on our website and App.
To review the effectiveness of our marketing.
To improve our existing products and services.
To develop new products and services.
To carry out regulatory checks.
To remain in contact with you about your account, our service, or your rights.

Automated decision-making and profiling

When you apply for a loan, we may use automated processing, including credit scoring and affordability assessment tools, to help us make lending decisions in a consistent and responsible way.

If a decision is made solely by automated means and has a legal or similarly significant effect on you, you have the right to request human intervention, express your point of view and challenge the decision.

Sharing your information with a credit reference agency (CRA)

When you apply for a loan, we will share your information with a Credit Reference Agency (CRA) for credit and fraud prevention checks. This information includes, but is not limited to:

Date of birth.

The CRA will use the information for, but not limited to, the following reasons:

Confirmation of your identity.
Detection or prevention of criminal activity such as fraud and money laundering.
Tracing updated addresses, if you may have moved without telling us, for debt recovery purposes.

The CRA will carry out a search and give us information about your financial history. This helps us to check that our products are suitable for you, make responsible decisions and make sure that our products are affordable for you. The record of the search may be seen by other organisations when you apply for credit in the future. The CRA will also use information we supply to them to record defaults where you have not made the required payments under your agreement.

All information we receive from the CRA will be securely stored and kept in the same way that we would store and keep information received directly from you.

The CRAs that we currently share information with are Equifax, Transunion and InFact. Further information about them can be found at:

https://www.equifax.co.uk/privacy-hub/crain

https://www.transunion.co.uk/legal/privacy-centre/pc-credit-reference

https://infact.io/uk/infact-crain

Where we use or refer to information from other CRAs, their own information notices will explain how they use personal data.

Sharing your information with other organisations

We may share your information with other organisations such as courts, the Department for Work and Pensions (DWP), tracing companies, payment service providers, IT and software providers, document fulfilment providers, fraud prevention agencies and debt collection agencies where this is necessary for our services or to recover monies owed to us.

We may share your information with any third-party company we use to process your information in relation to providing your loan agreement or collecting your repayments. These organisations will only process your information on our instructions or where they have their own lawful reason for using it.

We will share your information with a third party for, but not limited to, the following reasons:

When we are legally obliged to do so.
To enforce or apply our terms of use, terms of other agreements or to protect the rights, property or safety of Moneyline, our customers or others.
If you have given false or inaccurate information and we identify or suspect fraud.

If your personal details are required for research purposes by a third party, we will obtain your permission before sharing your information, unless the information has been anonymised so that you cannot be identified.

International transfers

We do not routinely transfer your personal information outside the United Kingdom. If we do transfer information outside the UK, we will make sure that appropriate safeguards are in place to protect it, such as adequacy regulations or approved contractual clauses.

Storing and keeping your information

As well as keeping the information we collect in connection with your application and the creation and maintenance of your credit agreement, we keep copies of correspondence exchanged between us, including letters, emails, secure messages and SMS messages.

We will not keep any personal information for longer than is required for our services, any other legitimate business need, or legal and regulatory purposes. Retention periods may vary depending on the type of information we hold. For example, loan records may be kept for up to six years after account closure, and call recordings may be kept for a shorter period unless we need to keep them for complaint handling, legal claims or regulatory reasons.

We will do all we can to protect your personal and financial information. Your information will be stored on secure systems and will not be available to the public. Your information will only be accessed by employees and third parties who need access to such information. Information which is exchanged is protected by encryption technology. We employ firewalls, access controls and other security technologies to protect our systems from external attacks, and we provide staff training and confidentiality requirements.

Your rights

You have the right to:

Ask us to confirm what information we hold about you at any time.
Access the information we hold about you, free of charge, unless an exemption applies.
Have information about you corrected if it is inaccurate or incomplete.
Ask us to delete information where there is no good reason for us to continue to hold it, subject to any legal or regulatory obligation to keep it.
Ask us to restrict the way we use your information in certain circumstances.
Object to certain uses of your information, including direct marketing and processing based on legitimate interests.
Receive certain information in a portable format where this right applies.
Ask for human review of certain automated decisions.

We will reply to your request within one month of receiving it. To make such a request, please use the contact details at the bottom of this policy.

If you are unhappy about how your personal data has been used, please contact us first so that we have the opportunity to resolve your concern. You may also complain to the Information Commissioner’s Office, which is the regulator for processing information. You can contact them at ico.org.uk.

Cookies

When you visit our website or our App, we may collect information about your device and your use of our website or App. This may include, where available, your IP address, operating system, browser type and browsing behaviour. For more information, including the types of cookies we use and how to manage your preferences, please refer to our Cookies Policy on our website.

Changes to our External Privacy Policy

We may update this policy from time to time. Any changes we make will be posted on our website. The date when this version of the policy was posted can be found at the bottom of this policy.

Disclaimer

Our website and our App may, from time to time, contain links to other websites. If you follow a link to any of these websites, please note that those websites have their own privacy policies. We do not accept any responsibility or liability for those policies. Please check those policies before you submit any personal information to those websites.

Complying with data protection and privacy laws is one of our priorities. We do all we can to protect your personal information. However, sharing information over the internet is not completely secure and we cannot guarantee the security of information that you share through our website or App. Any transfer of information is done at your own risk.

Our contact details

The Compliance Department

Moneyline

The Globe Centre

St James’ Square

Accrington

BB5 0RE

Email: ServiceTeam@moneyline-uk.com

Phone: 0345 643 1553

This Privacy Policy was last updated April 2026.