Privacy Policy

1. Who we are

Amigo Loans Ltd ("Amigo Loans", "we", "us", "our") is the data controller for personal information collected through this website. We are registered in England and Wales (Company No. 04841153). Our registered office is at Unit 11a, The Avenue Centre, Bournemouth, Dorset, BH2 5RP.

We are authorised and regulated by the Financial Conduct Authority (FCA Reference: 708284). We are registered with the Information Commissioner's Office (ICO) as a data controller.

If you have any questions about this policy, please contact us at hello@amigoloans.uk or call 01202 629 161.

2. What personal data we collect

We may collect the following categories of personal data:

• Identity information: full name, date of birth, National Insurance number
• Contact information: address, email address, telephone number
• Financial information: income, expenditure, bank account details, credit history
• Technical data: IP address, browser type, device information, cookies
• Communications: records of correspondence with our team

3. How we use your data

We use your personal data for the following purposes:

• To assess and process your loan application
• To carry out credit checks and affordability assessments
• To manage your loan account and process repayments
• To comply with our legal and regulatory obligations
• To prevent fraud and verify your identity
• To communicate with you about your account
• To improve our website and services

4. Legal basis for processing

We process your personal data under the following legal bases:

• Contract: Processing necessary to enter into or perform a loan agreement with you
• Legal obligation: Processing required to comply with FCA regulations and other legal requirements
• Legitimate interests: Fraud prevention, improving our services and protecting our business
• Consent: Where you have specifically consented, such as to receive marketing communications

5. Sharing your data

We may share your personal data with:

• Credit reference agencies (Experian, Equifax, TransUnion)
• Fraud prevention agencies
• Payment processing providers
• Regulatory authorities including the FCA and ICO
• Our technology and service providers who process data on our behalf

We do not sell your personal data to third parties for marketing purposes.

6. Data retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected and to comply with our legal obligations. Loan account data is typically retained for 6 years after the end of the lending relationship, in line with FCA requirements.

7. Your rights

Under UK GDPR, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate personal data
• Request erasure of your personal data (subject to legal obligations)
• Object to or restrict certain types of processing
• Data portability in certain circumstances
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us at hello@amigoloans.uk. You also have the right to lodge a complaint with the Information Commissioner's Office at ico.org.uk.

8. Cookies

We use cookies and similar technologies to improve your experience on our website. You can control cookie settings through your browser. For more information, please see our Cookie Policy.

9. Changes to this policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the date at the top of this page. We encourage you to review this policy periodically.

10. Contact us

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

Amigo Loans Ltd
Unit 11a, The Avenue Centre
Bournemouth, Dorset, BH2 5RP
Email: hello@amigoloans.uk
Phone: 01202 629 161