This is the Privacy Policy of Street UK CIC, Street UK CIC is committed to protecting privacy and security of our customers.

Our Privacy Policy explains our information collection and sharing practices. It identifies the sources from which we collect non public personal information about you, it details the measures we take to secure that information, and describes the information about you that we may share with our affiliates and with non affiliated third parties. (where applicable).

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

This web-site, www.street-uk.com (“our site”) is operated by Street UK CIC company number 3832332 and registered office address 50 Cliveland Street, Birmingham, B19 3SH.

Set out below are the terms of use governing how you may use of our website.

Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them.

Version

1.03

Last Updated

10th March 2016

Revision Terms of Use

We may revise these terms of use at any time, please ensure you read them whenever you use our site to ensure you are aware of any changes, as they are binding on you.

Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Changes to our site

Street UK CIC may amend these Terms of Use and the Privacy Policy pertaining to this site from time to time. Street UK CIC will post any revisions on this website. You can determine when the Terms of Use and Privacy Policy was last revised by referring to the “LAST UPDATED” legend at the top of this page. Any changes will become effective upon our posting of the revised Terms of Use and Privacy Policy on this website. Use of the website following such changes constitutes your acceptance of the revised Terms of Use and Privacy Policy then in effect.

Cookies

When you visit www.street-uk.com we may collect information about your computer including, where available, your IP address, operating system and browser type. This information is collected for system administration and to report aggregate information to our advertisers.

Reliance on information posted

Any materials on our site are not intended to and, shall not amount to, advice upon which reliance should be placed. Accordingly we disclaim any responsibility and all liability in the event reliance is placed on any material on our site. If you require advice on material referenced on our site, you should seek independent advice.

Age

To register with us you must be 18-years of age or older. Minors are strictly forbidden from using the service. Street UK CIC will make reasonable precautions against persons under the age of 18 accessing the loan service.

Intellectual property rights

All copyright, database right and/or similar rights in all material presented by on our site (including graphical images, text, video clips, reprographics, sounds, demos, patches and other files) are owned, controlled and/or licensed by us, and are protected by copyright, trade mark and other proprietary rights.

You have limited permission to print or download extracts from our site for your personal, non-commercial and non-profit use only and you shall not be entitled to commercialise any such material in any way.

Nothing on our site or your use of the site shall be construed as conferring any licence or other rights under intellectual property or other proprietary rights of Street UK CIC, its affiliates or any third party.

Our status (and that of any contributors to our site identified as the authors of material on our site) must always be acknowledged.
If you use any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Our liability

Our site is provided to you on an “as is” basis and on an “as available” basis. We hereby exclude, to the extent permissible by law, any expressed or implied guarantees, conditions and/or warranties, as to its performance, fitness, completeness, fitness for a particular purpose of the site or its contents, its accuracy or quality.

To the extent permitted by law, we, and third parties connected to us hereby expressly exclude; all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; (ii) any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it; (iii) any liability for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable; and (iv) any liability for any loss or damage caused by a virus or similar harmful technology or other material which is malicious or technologically harmful or a denial-of-service attack (each, a “Virus”) that may impact or affect your computer equipment, computer programs or data due to your access to or use of (including, without limitation, downloading from) our site.

The above does not affect our liability for death or personal injury arising from our negligence.
Further, the above does not exclude our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Information we collect

We may collect and process the following information about you:

  • information collected directly from you through your online application, or information you provide when you contact our customer services department;
  • your telephone communications with us and our customer services department which may be monitored and recorded;
    information about your transactions including loan balances;
    information from outside sources such as credit reference agencies and customer service providers regarding credit worthiness and credit history;
  • information that is collected when you use the Website that may be used by us to identify you and validate your use of the Website for fraud prevention purposes;
  • information about your computer including, your IP address, operating system and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form;
    automatic information obtained by using “cookies” when your browser accesses our Website and when you log-in. If enabled, cookies may store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit this site again, cookies can enable us to customize our content according to your preferences. These cookies do not track individual user information, and all our cookie data is encrypted and cannot be read by other websites. It is possible to ‘turn off’ the cookies in your browser and this will not affect the functionality of the Website. (are we using this?)

How we store and process your data

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure.

Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Our security systems meet or exceed industry standards and we are constantly monitoring internet developments to ensure our systems evolve as required. We also test our systems regularly to make sure our security mechanisms are up to date.

Finally, we are subject to UK data protection laws, which we comply with fully.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Street UK CIC of 50 Cliveland Street, Birmingham, B19 3SH, our registration number is: Z4788287

How we use your personal data

The information we collect about you will be recorded electronically and may be used for a number of purposes:

  • in the normal course of our business such as verifying your identity and credit standing
  • in order to process loan transactions and update your account records
  • to assess your credit history and confirm your employment details
  • to make lending decisions
  • to contact third parties, such as your employer, who you have nominated to verify information about yourself
  • for conducting statistical analysis and to develop and improve our products, to assess lending risks
  • to identify you when you contact us or visit our Website
  • to contact you in connection with your enquiry
  • to update our website to better meet our clients’ needs in the future.
  • to ensure that content from our site is presented in the most effective manner for you and for your computer
  • to carry out our obligations arising from any contracts entered into between you and us
  • to allow you to participate in interactive features of our service, when you choose to do so
  • to evaluate the effectiveness of our marketing of the Website, to carry out regulatory checks and for market research
  • to notify you about changes to our service

Disclosure of your information

We will only disclose your information in the event;

  • we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use, or terms and conditions and other agreements, or to protect the rights, property, or safety of Street UK CIC, our customers, or others.
  • If you give us false or inaccurate information and/or we suspect fraud, we may record this on your credit history and may also pass information to appropriate law enforcement or regulatory authorities and/or to any Fraud Prevention Agency (FPA).

Credit Reference Agencies and Fraud Protection

We may also disclose your personal information to credit reference agencies (CRAs) and Fraud Prevention Agencies (FPAs), along with the details of your agreement, payments made and any default or failure to maintain the terms of the agreement.

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies, Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information 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 on proposals and claims for all types of insurance
  • Checking details of job applicants and employees.

Linking to our site

We welcome linking to the homepage of www.street-uk.com but written permission for using our name, logo and linking to street-uk.com is required. Linking to any other page is not permitted.
No deep linking or framing to will be permitted without prior agreement. Linking to our site is subject to you doing so in a way that is fair and legal and does not damage our reputation or take advantage of it, and in a way that does not in any way suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.

Links from our site

Where our site contains links to other sites and resources provided by third parties (“Third Party Material”), these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. Third Party Material is protected by copyright laws and other intellectual property rights (see above). We accept no liability for any infringement by users of intellectual property rights owned by third parties.

Applicable Law and Jurisdiction

These Terms of Use shall in all respects be governed by English Law, and the English courts will have exclusive jurisdiction over any claim arising from, or related to your use of our site. We do however retain the right to bring proceedings against you for breach of these terms in your country of residence or any other relevant country.

Contact us

If you have any questions or concerns about the use of your personal information as described above, please contact us at Street UK CIC, Metro Building, 50 Cliveland Street, Birmingham, B19 3SH or via email: loans@street-uk.com or call our customer care team on 0330 024 9843.