Privacy
Policy

This policy together with our terms of use sets out the way in which Kabayan Finance will use and protect your personal information. By visiting and using our website www.kabayanfinance.co.uk, you are consenting to the practices described in this policy.

Information about us

www.kabayanfinance.co.uk is a site operated by Kabayan Finance Limited (we). For the purposes of the Data Protection Act 1998, the data controller is Kabayan Finance Limited (company number 6903492) and our registered office is at Suite 1 Murdock House, 30 Murdock Road, Bicester, Oxfordshire OX26 4PP . We are registered with the Information Commissioner's Office under registration number Z1871237.

Information about you

We may collect information about you in the following ways:
  • Directly from you when you complete one of the application forms available on our website or contact us by email, telephone or letter;
  • In the event we need to contact you to request further information in order to process your application or answer your request for information;
  • From credit reference agencies, fraud prevention agencies and law enforcement agencies;
  • Through the use of electronic cookies (see Use of Cookies).

Use and disclosure of personal data

We will use the information we hold about you in the following ways:
  • To process your application for a loan, improve your use of our website and for marketing purposes (see Marketing);
  • If you make an application for a loan you confirm that all the information provided by you is accurate and complete. By providing your personal data to us, you consent to us using that information to carry out a credit assessment including checking the records held by Credit Reference Agencies (CRAs). We will make checks at the outset to assist in our assessment of your loan application and periodically to manage your account with us. When a CRA receives a search from us, they will place a search footprint on your credit file which can be seen by other lenders. In addition, when you borrow from us, we will give details of your account and how you manage it to CRAs. Such records remain for 6 years from the date of closure;
  • If we believe that any of the information you have provided is false or inaccurate or that your application involves fraud, details will be passed to the relevant fraud prevention agencies. Law enforcement agencies may access and utilise this information in order to prevent fraud, money laundering and other criminal offences;
  • In the event that you do not repay any loan in accordance with the terms of the loan we may pass your details to debt recovery agencies and other third parties where necessary to assist in the recovery of any debt;

Your data may also be used for other specific purposes for which you give your consent or where required by law or to the extent permitted under the Data Protection Act 1998.

Assessing credit worthiness

As a responsible lender, Kabayan Finance Limited has a legal obligation to take steps to ensure that our customers are creditworthy.

We use a variety of methods to try to make sure that we do not lend money to people who are in financial difficulty. One of these is to carry out a credit reference check. In order to do this, we shall pass the personal data that you provide to us in your loan application to a credit reference agency (CRA) called Perfect Data Solutions Limited which trades as Lending Metrics. Lending Metrics provide us with data about a customer's credit history and borrowing habits. You can contact Lending Metrics at Lancaster Court, 8 Barnes Wallis Road, Fareham, Hampshire, PO15 5TU, United Kingdom in writing to request the information that they hold about you (please note, a small statutory fee may be payable).

By ticking the tick box to confirm that you have read and accept the Kabayan Finance Privacy Policy, you give your consent to your personal data being used in this way.

Marketing

By completing one of our online forms or using our website, you agree that Kabayan may use your personal data to contact you by e-mail or text message to assist you with your loan or to provide you with promotional offers and information about similar products. If you do not wish to receive marketing information, you may opt-out of receiving these communications from us by following the instructions at the end of the e-mail or text message which we send to you or by updating your contact preferences in your customer account on our website.

Cookies

We use session cookies, which are temporary cookie files that store your browsing information during your time on our site and enable us to know it’s you as you move from page to page through the application process, so you don’t have to repeatedly enter information. These cookies are active until you leave the site and are then erased when you close your browser.

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

When you visit our Site we issue a 'cookie' or unique code that allows us to identify your computer. We use the cookie to record where applicable, the website that referred you to our site and to note the different areas of our website recently accessed through your computer. The cookie is only used in relation to our website and not in relation to any other websites you may visit. We may use the information collected in this way to tell you about services or products which might be of interest to you when you make further visits to our Site.

 

We might also use web tools to collect information about your browsing activities whilst on our Site. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purposes.

Some of our advertisers may also use cookies or web tools that are set by other people such as advertising agencies, or the businesses to which the advertisements in question relate. We do not have access to any information that might be collected in this way, and, if you are concerned, you should contact the advertiser for more information.

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our Site, and you will be unable to fully complete the online application process as we need to use temporary session cookies to store information that enables us to know it’s you as you work through the process. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our Site.

Cookies Used by Third Party Advertisers

We work with 3rd party advertisers that use various technologies to serve adverts when you visit our website and other sites that we advertise on. In the course of serving these adverts, a unique third-party cookie may be placed or recognized on your browser.

These cookies are used to gather non-personally identifiable information about visits to our website and the sites that we advertise on. (This does not including your name, address, or any other personal information.)These type of cookies may be used for the following purposes:

 

  • To show relevant advertisements on other websites
  • To show relevant advertisements based on your prior visit to our website

  • Measure the performance of our online advertising

 

You can find out more about the use of cookies and opt out at any point on the links below:

 

Google & Associated Services
http://www.google.com/ads/preferences

Other 3rd Party Advertisers    
http://www.youronlinechoices.com/uk/
http://www.networkadvertising.org/managing/opt_out.asp

Changes to our privacy policy

If you have any questions or comments about this privacy policy, or if you would like information about your rights to access personal data which we may hold, please contact:


Kabayan Finance LtdSuite 1 Murdock House
30 Murdock Road
Bicester
Oxfordshire OX26 4PP
020 3474 0888
info@kabayanfinance.co.uk


Representative Example Amount of credit £500. Total Amount Repayable of £750 by 6 monthly payments of £125 commencing 1 month from the date of the agreement. Duration of Agreement is 6 months. Annual Interest Rate is 100% flat (fixed). Representative 332.4% APR.

Compare high cost short term loans at www.choosewisely.co.uk

* The rate of interest applied to calculate the interest payable on this loan is 50% on the amount borrowed which equates to 100% per annum.



Representative Example Amount of credit £300. Faster Payment Fee £5. Total Amount Repayable of £365 by 1 payment of £5 (fee) on signing and a final payment of £360 on the 29th day. Duration of Agreement is 29 days. Annual Interest Rate is 240% flat (fixed). Representative 1080.30% APR.

Compare high cost short term loans at www.choosewisely.co.uk

* The rate of interest applied to calculate the interest payable on this loan is 20% on the amount borrowed which equates to 240% per annum
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
 
Security Metrics
BCCA