This Policy applies as between you, the User of this Web Site, and HU Loans Ltd ("HU Loans", "we", "our", "us"), the owner and provider of this Web Site. It explains how we collect, use and protect your personal information when you visit huloans.co.uk (the "Web Site") or interact with any of the Services or Systems available through it.
1. Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
"Account"
the personal information, payment information and credentials used by Users to access Material and/or any communications System on the Web Site;
"Content"
any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site;
"Cookie"
a small text file placed on your computer or device by HU Loans when you visit certain parts of this Web Site. Cookies enable us to identify recurring visitors and analyse their browsing habits. Where e-commerce facilities are provided, Cookies may be used to store your Cart. Further details are contained in Clause 10 of this Policy;
"Data"
collectively all information that you submit to the Web Site, including but not limited to Account details and information submitted using any of our Services or Systems;
"HU Loans"
HU Loans Ltd, company number 09571904, whose registered office is at 623 Spring Bank West, Hull, United Kingdom, HU3 6LD;
2. Data Collected
Without limitation, any of the following Data may be collected:
- name;
- date of birth;
- gender;
- job title;
- profession;
- contact information such as email addresses and telephone numbers;
- demographic information such as postcode, preferences and interests;
- financial information such as credit / debit card numbers or bank details;
- IP address (automatically collected);
- web browser type and version (automatically collected);
- operating system (automatically collected);
- a list of URLs starting with a referring site, your activity on this Web Site, and the site you exit to (automatically collected);
- Cookie information (see Clause 10 below).
3. Our Use of Data
1. Any personal Data you submit will be retained by HU Loans for as long as you use the Services and Systems provided on the Web Site. Data submitted through any communications System that we provide may be retained for up to six (6) months after your last interaction, unless a longer retention period is required or permitted by law.
2. Unless we are obliged or permitted by law to do so, and subject to Clause 4, your Data will not be disclosed to third parties. This includes our affiliates and/or other companies within our corporate group.
3. All personal Data is stored securely in accordance with the principles of the UK General Data Protection Regulation ("UK GDPR") and the Data Protection Act 2018.
4. We may require any or all of the Data above from time to time in order to provide you with the best possible service and experience when using our Web Site. Specifically, your Data may be used for the following purposes:
- internal record-keeping;
- improvement of our products and services;
- transmission by email of promotional materials that may be of interest to you (where you have consented to receive such communications);
- contact for market-research purposes, which may be carried out using email, telephone, SMS, or post. Such information may be used to customise or update the Web Site.
4. Third-Party Web Sites and Services
HU Loans may, from time to time, employ the services of other parties for dealing with matters that include, but are not limited to, payment handling, credit checking, search-engine facilities, advertising and marketing. Where such third parties require access to your personal Data, they will do so only to the extent necessary to perform the services that HU Loans requests. Any Data that is processed by third parties must be processed in accordance with this Policy and with applicable data-protection law.
5. Credit Broking
Our credit-broking service is provided by T Dot Ltd. Their privacy policy, which explains how they use and store your data, can be found here: https://t.uk/b-privacy/
6. Changes to This Policy
HU Loans reserves the right to change this Privacy Policy at any time as we may deem necessary or as may be required by law. Any changes will be posted on the Web Site, and you are deemed to have accepted the terms of the Policy on your first use of the Web Site following the changes.
Last updated: 01 July 2025