Policy

A legal disclaimer

Trublu Financial Services Limited is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. This page explains how we use cookies, why, and how this allows us to improve our services. It also tells you how you can manage what cookies are stored on your device. We call it our Cookie Policy.

By using our websites (through any device) you agree that our Cookie Policy applies, in addition to any other terms and conditions which may apply.

We reserve the right to make changes to our Cookie Policy. Any changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to such changes.

Privacy Policy

This Privacy Policy is issued by Trublu Financial Services Limited and is addressed to individuals outside our organization that we interact with, including our customers, applicants and visitors to our website.

This Privacy Policy may be amended or updated from time to time to reflect changes in our practices, the way we collect and use your information, or changes in the law.

We encourage you to read this Privacy Policy carefully, and to regularly check this page to review any changes we might make to this Privacy Policy.

What are cookies and why do we use them?

We use cookie technology to make your experience simple, personalised and meaningful when you visit our website. Our cookies are generally used to remember your login details, make our website work, to let us know how you’re using the site, you preferences, interests and so on.

Cookies vary depending on the nature of it. Some are used by us and some are used by third party that we work with. Here are some general details about the cookies that we use:

• First party cookies are cookies that are placed by us, while third party cookies are placed by a website other than the one you are visiting.

•Essential cookies are cookies that keep our website running smoothly. They are necessary as they enable you to use the features on our site and allow you to move around from page to page.

•Performance/analytics cookies let us know how many people visit our site, what pages they spend the most time on and alerts us of any errors. These cookies are incredibly important as they give us the tools to help build a site that’s best for our customers.

•Functional cookies allow us to remember people that have already been to our site and their preferences (e.g. language, region, login, and so on).

•Targeting/advertising cookies enable us to send you meaningful and personalized advertising

•Session cookies are temporary cookies that are erased once you close your browser while persistent or permanent cookies stay on your device until you manually delete them or until your browser deletes them based on the duration period specified in the persistent cookie file.

If you’d like to know more about cookies, you can find this information on www.allaboutcookies.org. Please note that Trublu Financial Services Limited has no affiliation with, and is not responsible for, this third-party website.

Please note that the processing of your personal data in connection with cookies, and for other purposes, is governed by our Privacy Policy.

In addition, we may also use web beacons (or clear GIFs) and other similar technologies in addition to, or in combination with, cookies. A web beacon is typically a transparent graphic image (usually 1 pixel x 1 pixel) that is placed on a website or in an email and it helps us to understand the behavior of visitors to our Site. More information on web beacons can be found at http://www.allaboutcookies.org/faqs/beacons.html. Please note that Trublu Financial Services Limited has no affiliation with, and is not responsible for, this third party website.

Google Analytics

We will use your information to process the loan you have applied for or applied to guarantee, and to manage your account, or the account you guarantee with us.

We will use your information:

•To make, or assist in making, credit decisions about you, assess lending risks, and to check the details that you have let us and others have.

•To operate and manage your account and any application, agreement or correspondence you may have with us.

•To identify, prevent, detect or tackle fraud, money laundering and other crimes.

•To contact you (using any contact details that you have given to us) via email, SMS, letter, telephone or send you push notifications about managing your loan with us, including if you fall into arrears or if we have out of date information.

•To contact you (using any contact details that you have given to us) or ask another organisation to contact you, about our products and services, unless you tell us that you prefer not to receive marketing.

•To contact you (using any contact details that you have given to us), or ask another organisation to contact you, to carry out research and surveys, including customer surveys to help us understand levels of satisfaction with our product and service.

•To collect and manage payments, and to recover any debt you owe us both on your current loan and on any previous or subsequent loans, unless you advise us otherwise.

•To manage interest on your account.

•To respond to complaints.

•To exercise our rights set out in agreements or contracts and to comply with our regulatory obligations.

•To display interest-based ads to you, or to create target custom audiences, using information we have collected on our website (such as email addresses or phone numbers) or through a Facebook pixel when using Facebook or other third party platforms. This is done through the use of Facebook’s Custom Audiences targeting tool (To learn more about Facebook Custom Audiences click here.

•When using the Facebook’s Custom Audiences targeting tool all data is locally hashed. This means all personally identifiable details are removed so that all collected data is anonymized. If you do not wish for us to use your information in this way you may opt out by emailing us and notifying us that you do not want to be contacted by Text and Email.

We will also use your information to run our business in an efficient and correct way. This includes managing our financial position, business planning, statistical research, governance, monitoring risk and auditing.

We will use your information:

•To detect, investigate, report, monitor and analyze our business

•To carry out market research, to develop and manage our brand, product and services.

•To improve and adapt our existing product and service.

•To develop new products and services.

•To carry out internal and external audits.

•To test our processes and systems.

•To obey laws and regulations that apply to us.

•To manage security and risk for us and you.

Disclaimer: Policy Adjustments and User Responsibility

Trublu Financial Services Limited reserves the right to modify, amend, or update our policies at any time without prior notice. It is the responsibility of the users to regularly review our policy page for any changes or updates. By continuing to use our services after any modifications to our policies, you acknowledge and accept the changes. For the most current version of our policies, please refer to our website.

If you have any questions or require further clarification, please contact us directly.

Our Site uses Google Analytics, a web analytics service provided by Google, Inc. and its subsidiaries ("Google"). Google Analytics is a popular cookie-based web analysis service provided by Google, which we use to monitor how visitors use our Site, allow us to analyse data and to help us improve the Site.

Google’s privacy policy, available at https://www.google.com/policies/privacy/, provides additional information on Google’s data collection and processing activities. If you would like to adjust the data collected by Google Analytics, you can install the Google Analytics browser add-on, using the information provided here: https://www.google.com/policies/technologies/ads/. Additional information on how to opt out of Google's use of tracking technologies can be found by visiting the Google advertising opt-out page: https://tools.google.com/dlpage/gaoptout. For more information please visit http://www.google.com/analytics/. Please note that Trublu has no affiliation with, and is not responsible for, any of the information or tools provided by Google.

The information generated by the cookie about your use of our Site (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of our Site, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

What information will we collect?

We will collect any information we need from you in order to process your application and to manage your loan repayments, as well as any other information which we reasonably need to operate your account, make decisions about you or fulfill our obligations.

The information we collect about you includes:

•Your name, date of birth, addresses and contact information.

•Your affordability (income and expenditure).

•Card and bank account information. If you provide us with any debit card and bank details, either during the loan application or subsequently, we will keep those details and will use the details in line with the consent you provide to us, unless you advise us otherwise.

•Documents to verify your information (bank statement, payslip, homeownership and identification).

•Information we receive when making a decision about you, your loan or application (including information collected from Credit Reporting Agencies).

•Details of the loans you have and have had with us and all transactions.

•Details of when you contact us and when we contact you.

•We may keep any email address or phone number(s) that you communicate with us on or that you tell us about.

•If a card is identified as having been used fraudulently then we will maintain a record of its use for reporting and preventing fraud.

•We may be given sensitive information such as medical information. We will hold and process this information to allow us to make decisions about you and your accounts with us.

•Your location.

•Information about your computer including your IP address, operating system and browser type. For more details please see our.

•We may record your customer journey on our website for usability monitoring, testing and improvement. However, we will not record any personal information you input.

•We will record and/or monitor the calls, texts, emails and letters you send to us or receive from us.