Privacy
Policy

Who We Are

Kabayan Finance (‘we’ or ‘us’ or ‘our’) gather and process your personal information in accordance with this privacy notice and in compliance with the relevant data protection Regulation and laws. This notice provides you with the necessary information regarding your rights and our obligations, and explains how, why and when we process your personal data.

Kabayan Finance registered office is at 30 Murdock Road Bicester Oxfordshire OX26 4PP and we are a company registered in United Kingdom under company number 6903492. Our website is www.kabayanfinance.co.uk. We are registered on the Information Commissioner's Office Register registration number Z1871237, and act as the data controller. Our designated Responsible Person for the organisation is Simon Roberts, who can be contacted at 30 Murdock Road Bicester Oxfordshire OX26 4PP.

Information That We Collect

Kabayan Finance processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect any unnecessary personal data from you and do not process your information in any way, other than as specified in this notice.

The personal data that we collect from is:
  • Name
  • Date of Birth
  • Gender
  • Citizenship
  • Marital Status
  • Address
  • Email Address
  • Phone numbers
  • Job function and employer details

We collect information in the below 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).

How We Use Your Personal Data

Kabayan Finance takes your privacy very seriously and will never disclose, share or sell your data without your consent; unless required to do so by law. We only retain your data for as long as is necessary and for the purposes specified in this notice. Where you have consented to us providing you with promotional offers and marketing, you are free to withdraw this consent at any time.

The purposes and reasons for processing your personal data are detailed below:
  • 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 an 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 Call Credit.

By ticking the box you confirm that you have read and accept the Kabayan Finance Privacy Policy.

Marketing

By completing and/or opting in to one of our online forms, you agree that Kabayan may use your personal data to contact you by e-mail, text message or telephone call 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 contacting us over the phone.

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. 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.

 

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.

 

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.

Your Rights

You have the right to access any personal information that Kabayan Finance processes about you and to request information about:

  • What personal data we hold about you
  • The purposes of the processing
  • The categories of personal data concerned
  • The recipients to whom the personal data has/will be disclosed
  • How long we intend to store your personal data for
  • If we did not collect the data directly from you, information about the source

If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to correct it as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified.

You also have the right to request erasure of your personal data or to restrict processing in accordance with the data protection laws; as well as to object to any direct marketing from us; to exercise your data portability rights, and to be informed about any automated decision-making we may use i.e. Online application screening.

 

If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the request; this is to ensure that your data is protected and kept secure.

Sharing and Disclosing Your Personal Information

We do not share or disclose any of your personal information without your consent, other than for the purposes specified in this notice or where there is a legal requirement. Kabayan Finance uses third-parties to provide the below services and business functions; however, all processors acting on our behalf only process your data in accordance with instructions from us and comply fully with this privacy notice, the data protection laws and any other appropriate confidentiality and security measures.

Anchor Computer Systems Ltd
We use Anchor Computer Systems Ltd as our system provider. The information we provide them with is your personal details, contact details, job function and employer details, and loan information to meet business and legal requirements. For more information about Anchor Computer Systems Ltd, please read their Privacy Notice at https://www.anchor.co.uk/privacy-cookies/

 

Call Credit

We use Call Credit as our 3rd party CRA. The information we provide them with is your personal details, contact details, job function and employer details, and loan information to meet business and legal requirements. For more information about Call Credit, please read their Privacy Notice at https://www.callcredit.co.uk/legal-information/privacy-centre

 

Money Claim Online (MCOL)

We liaise with HM Courts & Tribunals Service for debt recovery. The information we provide them with is your loan details to meet commercial and legal requirements. For more information about Money Claim Online, please read their Privacy Notice at https://www.moneyclaim.gov.uk/web/mcol/privacy-policy

 

MailChimp

We use MailChimp as our platform for email marketing. The information we provide them with is your personal details and email address to be able to meet business and legal requirements. For more information about Anchor Computer Systems Ltd, please read their Privacy Notice at https://mailchimp.com/legal/privacy/

Safeguarding Measures

Kabayan Finance takes your privacy seriously and takes every reasonable measure and precaution to protect and secure your personal data. We work hard to protect you and your information from unauthorised access, alteration, disclosure or destruction and have several layers of security measures in place, including:

  • anti-virus/malware software
  • data encryption techniques
  • restricted access
  • cloud storage
  • disaster recovery
  • IT authentication
  • firewalls
  • high tech solutions
  • locked filing cabinets
  • alarms and door locks
  • secure passwords

If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to correct it as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified.

Transfers Outside the EU

Personal data in the European Union is protected by the General Data Protection Regulation (GDPR) but some other countries may not necessarily have the same high standard of protection for your personal data. Kabayan Finance utilises some services that may be hosted/stored in United States, which means we may transfer any information which is submitted by you through the website outside the European Economic Area ("EEA") for the below purposes:

 

Marketing Database: MailChimp
Therefore, when you use our website/ sign up for marketing, the personal information you submit may be stored on servers which are hosted in United States. Where this is the case, we will take steps to ensure that those providers use the necessary level of protection for your information and abide by strict agreements and measures set out by Kabayan Finance to protect your data and comply with the relevant data protection laws.

Consequences of Not Providing Your Data

You are not obligated to provide your personal information to Kabayan Finance, however, as this information is required for us to provide you with our services/legitimate interests, we will not be able to offer some/all our services without it.

Legitimate Interests

As noted in the ‘How We Use Your Personal Data’ section of this notice, we occasionally process your personal information under the legitimate interests’ legal basis. Where this is the case, we have carried out a thorough Legitimate Interests’ Assessment (LIA) to ensure that we have weighed your interests and any risk posed to you against our own interests, ensuring that they are proportionate and appropriate.

We use the legitimate interests’ legal basis for processing your loan requests and informing you of any applicable updates and have identified that our interests are to fulfill your loan request and keep you updated.

How Long We Keep Your Data

Kabayan Finance only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations. We are required under UK tax law to keep your basic personal data (name, address, contact details) for a minimum of 6 years after which time it will be destroyed.

Where you have consented to us using your details for direct marketing, we will keep such data until you notify us otherwise and/or withdraw your consent.



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.
 
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