Privacy Policy

Match the Cash Limited - Borrowers Portal

Protecting your personal details on our platform

About our Privacy Policy

Who we are: Match the Cash Limited trading as Guarantormyloan will be what's known as the 'Controller' of the personal data you provide us. Match the Cash Limited is authorised and regulated by the Financial Conduct Authority (FCA) number 718844. Our registered address is Acre House, 11/15 William Road, London NW1 3ER. We are registered with the Information Commissioner Office (ICO) under number ZA055459.

You can contact us by email: Customerservices@guarantormyloan.co.uk
By telephone: 01603 391013 or 01603 391136
Or by post to: Customer Services, Match the Cash Limited, Fourth Floor, 25-27 Surrey Street, Norwich NR1 3NX.

What we do: We provide a platform via the website for lending and borrowing transactions conducted between our customers. We provide Guarantor Loans. A Guarantor Loan is a loan that is supported by a guarantor who can be a friend or a family member, who will make payments if the borrower cannot. We are also an authorised credit broker. We work with other lenders and brokers, offering a selection of loan types.

Our commitment: Match the Cash is committed to protecting your privacy. This policy sets out how we will use the information you provide us with and how we will protect that information, whether you are a lender, borrower or guarantor. We will, when delivering our services, collect and use personal information only which is relevant to the work we are undertaking, and which will be controlled, stored and processed in accordance with the Data Protection Legislation however it is collected, recorded or used. You should read this policy as well as our website terms and conditions.

Borrowers/Guarantors

How do we use your personal information?

We may process your personal information for our legitimate business interests. E.g. fraud prevention, network and information system security, data analytics, enhancing, modifying or improving our services. These may include some or all of the following:

To verify your identity;
To identify and prevent fraud;
Activate credit searches with credit reference agencies;
To enhance the security of our network and information systems;
Monitor and record communications (including phone conversations and emails) for quality assurance and compliance;
To better understand how people interact with our systems;
To better understand how people interact with our websites;
Inform your broker about the progress of the application;
Administer your loan and manage your account;
If you do not repay money that has been borrowed, we may trace your whereabouts and recover debts or enforce a loan agreement;
Where processing enables us to enhance, modify, personalise or to otherwise improve our service / communications for the benefit of our customers;
To determine the effectiveness of promotional campaigns and advertising.

Whenever we process data for these purposes we will ensure that we always keep your Personal Data Rights in high regard and take account of these rights (What are my rights?). You have the right to object to this processing if you wish. Please contact us using the details provided above. Please understand that if you object this may affect our ability to carry out tasks above for your benefit.

What we need

We only collect basic personal data about you. This may include all or some of the following:

Information provided in your application form;
Name, Address, Postcode;
Employment type (if applicable);
National insurance number;
Income;
Date of birth;
Documentation to verify your identity and income;
Bank and debit card details;
Contact details including telephone number and email address;
Previous address history;
Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
Information about your visit, including the full Uniform Resource Locators (URL), clickstream to, through and from this Website (including date and time), page response times, download errors, and length of visits to certain pages;
The performance of your loan (if you become a borrower/guarantor);
Any other information that we require to process your application.

How long we keep it

If you become a borrower or guarantor we will keep your data for a minimum period of 6 years after your loan term has expired. If you do not become a borrower or guarantor we will not keep your data longer than is necessary. We have processes in place to ensure your data is removed from our systems in a timely manner in line with our data retention policy.

Why we need your data

The personal information we obtain, process and store is necessary to enable us to:

Assess an application for a loan;
Contact you during the term of the loan;
Undertake automated decision making which may be used in the form of credit checks; however, decisions for lending are based on affordability and creditworthiness;
Hold contact details including telephone numbers to contact you as part of the application or for the duration of the loan;
Hold debit card details, either as part of the loan application or subsequently which we will store and may use to take future payments (only retaining the last four digits of your debit card numbers on the Platform);
Store and use sensitive information, which may be given whilst administering your account, such as medical information, to help us to continue to manage your account;
Use your information to contact you, if you have opted into receiving further advance mailings. You can opt out of receiving marketing information at any time by emailing us at: customerservices@guarantormyloan.co.uk;
Monitor and support staff training by recording telephone conversations that we have with you

Who we share your data with

Credit Reference agencies / Fraud Prevention agencies

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies ('CRAs'). To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. We will use this information to:

Assess your creditworthiness and whether you can afford to take the product;
Verify the accuracy of the data you have provided to us;
Prevent criminal activity, fraud and money laundering;
Manage your account(s);
Trace and recover debts; and
Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

Credit Reference Agencies that we use

The companies we may use to provide this information are:

TransUnion – www.transunion.co.uk/crain
Equifax Limited – www.equifax.co.uk/crain
Experian Limited – www.experian.co.uk/crain

Borrower/Guarantor

We will use the contact information provided during the application process to contact the borrower and/or the guarantor to discuss the loan application. We may share your information with security trustees, tracing agents and other legal representatives to enforce the terms of any loan agreement or guarantee and indemnity agreement.

Information sharing with borrower/guarantor

If you enter into a loan agreement with us, or agree to be a guarantor, you consent to us sharing information about the conduct of the account with the borrower and/or guarantor. We will contact the guarantor where the borrower fails to make any payment on the loan, the loan falls into default or for any other reason we feel necessary.

Fraud Prevention Agencies

Borrower/Guarantor: If you provide false or inaccurate information and we identify fraud, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering.

What are your rights?

Accuracy of your data

If at any point you believe the information we process on you is incorrect, you can request to see this information, and have it corrected or deleted. Please contact us via email or by writing.

Raising a complaint

If you wish to raise a complaint on how we have handled your personal data, you can contact us at DPA@guarantormyloan.co.uk and we will investigate the matter.

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the Information Commissioner's Office (ICO).

Security of your data

Match the Cash is committed to protecting your privacy by ensuring that your personal information is held securely.

All personal data we collect is processed by our employees in the UK however for the purposes of IT hosting and maintenance of this, information is located on servers within the EU. No 3rd parties have access to your personal data unless the law allows them to do so. We have a Data Protection regime in place to oversee the effective and secure processing of your personal data.

If you contact us by telephone our staff will ask you a series of security questions before your personal details are discussed.

We may record telephone calls for security and training purposes.

Access to information

You have the right to access information held about you. If you would like access to the information that we hold about you, you can contact us via email or by writing. We will respond to your request within one month of receipt of such request.

Erasure of information

You may request the deletion or removal of personal data where there is no reason for its continued processing in specific circumstances. If you have any concerns, please email us at DPA@guarantormyloan.co.uk or write to us at DPA, Match the Cash Limited, Fourth Floor, 25-27 Surrey Street, Norwich NR1 3NX.

Cookies

When we provide services, we want to make them easy, useful and reliable. We use cookies to help us do this. A cookie is a small amount of data which is sent to your computer, tablet or mobile phone (referred to in this policy as a 'device') from the Website and is stored on your device's hard drive.

About Cookies

A cookie records on your device information relating to your internet activity (such as whether you have visited the Website before). The cookies we use on the Website won't collect personally identifiable information about you and we won't disclose information stored in cookies that we place on your device to third parties. If you don't want us to use cookies when you use the Website, you can adjust your internet browser settings not to accept cookies. Your web browser's help function should tell you how to do this. Alternatively, to find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit the website: https://www.allaboutcookies.org.

Strictly Necessary Cookies

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided. This is the only category of cookies we use on this platform.

Strictly Necessary Cookies

These cookies are essential for the website to function and cannot be disabled. They do not store any personally identifiable information.

Cookie Name	Purpose	Duration
session	Maintains your logged-in session so you can navigate securely between pages without having to log in repeatedly.	Session (expires when browser closes)
xsrf-token	Protects against Cross-Site Request Forgery (CSRF) attacks. This security cookie ensures that form submissions come from our website and not a malicious source.	1 year

Your Cookie Preferences (Local Storage)

We store your cookie preferences in your browser's local storage (not as cookies) so we can remember your choices.

Item Name	Purpose	Duration
cookieConsent	Stores your cookie consent preference ('essential' or 'all').	1 year
cookieConsentDate	Records when you gave your consent so we can ask again after one year.	1 year

Security Cookies (Third-Party)

We use Google reCAPTCHA to protect our contact forms from spam and automated abuse. This is a security measure to ensure genuine enquiries reach us.

Service	Purpose	Provider
Google reCAPTCHA	Protects our contact forms from spam and automated abuse by verifying human users.	Google LLC (Privacy Policy)

Further Information

Match the Cash may change this policy from time to time and will do so by updating this page. You should regularly check this page to ensure you are aware of any changes that have been made, while you are a customer of Match the Cash. You can ask us for a copy of this policy and of any amended policy via writing or by emailing us using the contact details provided.