Privacy Policy

1. DEFINITIONS

   1. When we talk about ‘us’, we are referring to Lending Legend, Convert Engine, or another brand identity that is wholly associated with the entity detailed in the Schedule. We are the operator of this website.
   2. When we talk about ‘you’, we are referring to the person using this website or services of this website or participating in any surveys, questionnaires or quizzes produced by this website.
   3. When we talk about ‘client’, we are referring to the business or businesses that engage or deal with us to purchase the information we collect. Our client(s) information is listed in the schedule.
   4. ‘Personal data’ or ‘personal information’ is information that directly identifies you, such as your name and email address, or data that could be used, on its own or in combination with other data, to identify you.

2. HANDLING YOUR DATA

   1. It is very important to us to protect your personal data, and to use it strictly in adherence with applicable privacy and data protection laws.

3. STAYING ANONYMOUS

   1. You can browse our website anonymously, although cookies may be collected. You will not be able to access surveys or questionnaires anonymously.

4. COLLECTION OF DATA

   1. We collect personal data about you when you provide it to us, or explicitly consent for it to be given to us. This generally occurs when you complete an online form, survey, quiz, or questionnaire, in which case you have chosen to consent to the collection and subsequent sale of your personal information.
   2. We collect and process the minimum amount of information we need to be able to sell your information to our client, so that our client is able to contact you about their services and deliver effectively to you the service you have expressed interest in, or to fulfil a service contract, or to meet a legal obligation. How much data we collect depends on the type of service you have expressed an interest in. This information can include:
      1. Your first name and last name
      2. Your email address
      3. Your phone number
      4. Your postal address
      5. Your gender and age
      6. Your employment status
      7. If you are a homeowner and, if so, your property value and how much you owe
      8. If you are wishing to borrow, the amount you with to borrow, and for what time period
      9. Other debts you have such as council tax debts or personal debts
   3. We will not seek sensitive personal data from you, such as health details or information regarding your religious beliefs or ethnic origin.
   4. Other than listed above, we do not collect financial information relating to you such as bank card details.

5. COOKIES

   1. We may also use ‘cookies’ on our website to provide a way for the website to recognise you and keep a track of your preferences, and to enable you to contact us directly from the website. Cookies may also be used to optimize website speed for your convenience, to allow you to customize our web pages, and so that you do not have to repeatedly fill in your details. We may collect information about your IP address and how you use our site.
   2. The data collected by cookies does not usually identify you, but may be combined with other information to identify you. If we identify you using information from cookies, we may use that information to track how you use our website and send you information more specific to your needs, or to invite you to purchase one of our services.

6. USE OF DATA

   1. We sell your personal information to our clients who may use your personal data to contact you about products or services they deliver or sell. This allows us to align the products and services of our Clients as closely as possible to your needs and situation. Our clients may then contact you to offer or market their services to you.
   2. We process data by selling it and transferring it to our clients to enable our clients to deliver to you, products, services, and information that you have expressed interest in, oir that are compatible with the reason you provided your personal data. We may do this because you have your consent. Once we have delivered your personal data to our client, that client becomes the controller of your personal data, and they will treat your personal information in accordance with their Privacy Policy. Once your personal information has been delivered to our client, we are no longer responsible for your personal information. Our clients have their own Privacy Policies in relation to the data they hold or process. You can enquire with them directly about their Privacy Policy when they contact you.
   3. We may also process your usage data (your IP address, geographical location, manner in which you use our site, etc.) for our legitimate business purpose of monitoring and improving our website.
   4. We will also disclose your personal information where legally compelled to do so.

7. STORAGE AND DISCLOSURE OF DATA

   1. The personal information you provide to us is stored securely in datastores via AWS (Amazon Web Services) with at-rest encryption. While we do our best to ensure the security of your data, no storage is 100% secure, and we cannot guarantee the safety of your data. From AWS (Amazon Web Services), your data is then transferred to our Client. Such a transfer may include transfer of information across borders depending on where the Client is. This means your data may be transferred to, and stored on, computers outside of your state or country and the data protection laws may be different from those where you live. By agreeing to this policy, you agree to such a transfer.
   2. Data is persisted on AWS (Amazon Web Services) typically for a period of 180 days, allowing us to collect further data from you (e.g. feedback forms, reviews, surveys) which help inform our service and customer experience. This means, if we have collected your personal information, we will typically delete it within 180 days.

8. COLLECTION OF DATA OF MINORS

   1. We do not intend to collect the personal information of persons under the age of 13. If you are the guardian of a minor and suspect they may have provided us with their personal information, please contact us and request to have the minor’s personal information destroyed (use the contact information in the schedule below).

9. DATA RIGHTS

   1. At your request, we will tell you what personal information about you is being processed, on what basis, and by whom. If you decide your data should not be processed for one or more purposes, you may withdraw your consent from using your data in that way. Please note that we will action your request as soon as practically possible, however such a request will not take effect immediately and you may still be contacted by our client in the meantime.
   2. You may amend inaccurate, incomplete, or outdated personal data at any time by applying directly to us using the contact information in the schedule below.
   3. You may also request that all personal data we have collected about you be deleted from our records and erased from information stored by any third party organizations processing data on our behalf. We have implemented an ongoing destruction process so that any collected data is typically securely destroyed within 180 days of collection.
   4. If data we have collected about you is processed using automated means, you have the right to receive that data in a structured, machine-readable format, and to transmit it to another data controller without hindrance.

10. CONTACT US

    1. Please let us know if you have any requests, feedback, or concerns regarding the way we manage your personal information. Use the contact details listed in the below schedule. We will respond to you within 30 days and take action, within reason, as quickly as possible.
    2. If you are not happy with how we manage your concerns, you can contact your local data protection supervisory office.

11. CHANGES TO THIS PRIVACY POLICY

    1. It is important to us that our Privacy Policy is regularly reviewed, and we will do so to keep it relevant and up to date with changing laws. We will notify you of any changes by posting the new policy to this page. This Privacy Policy was last updated in July 2022.