Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Privacy Policy
Representative Example: If you borrowed £1,000 over 6 months you would repay £1,490 in total in 6 equal monthly instalments of £248. Total charge for credit is £490. Interest Rate 98% pa (fixed). Representative 323.4% APR. (Maximum APR 607.9%).
Representative Example: If you borrowed £1,000 over 6 months you would repay £1,490 in total in 6 equal monthly instalments of £248. Total charge for credit is £490. Interest Rate 98% pa (fixed). Representative 323.4% APR323.4% APR.(Maximum APR 607.9%).
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Committed to compliance
At Anico Financial Services Limited, we’re committed to protecting and respecting your privacy. We know that you care about how your information is used and shared and we appreciate your trust in us to do that carefully and sensibly. This notice describes our privacy policy and forms part of our website terms and conditions (“Website Terms”).

By accepting our Website Terms or by visiting (‘the Website) you are accepting and consenting to the practices described in this Privacy Policy.

  1. Who are we?
  2. We are a financial services company who provide personal loans to customers in the UK. We operate under the following details:

    Anico Financial Services Limited
    30-32 Queensway
    London W2 3RX
    FR 718188
    ICO reg. Z3602226
  1. How do we collect information from you?
  2. We collect Personal Data from you:
    1. When you take a service or product from us or make an application to do so;
    2. When you contact us, or if you have replied to a communication from ;
    3. A third party who sells your data.
  1. What type of information is collected from you?
  2. This includes:
    1. contact details;
    2. date of birth;
    3. employment details;
    4. payment details;
    5. bank details;
    6. shopping and expenditure preferences;
    7. email details;
    8. IP addresses.
  1. What is our lawful basis for collecting this data and why do we need this?
  2. In order for us to process your data we have to have a lawful basis to do so. We are relying on the following basis to do so:
    1. Consent: you have given clear consent for us to process your personal data for a specific purpose;
    2. Contract: the processing is necessary for a contract (loan agreement) you have, or because you have asked us to take specific steps before entering into a contract (loan agreement);
    3. Legal Obligation: the processing isnecessary for compliance with a legal obligation to which the processor is subject;
    4. Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect your personal data which overrides those legitimate interests.

    We have identified these lawful basis to assess whether we can provide you with a loan, continue to market to you or manage your account.
  1. How is your information used?
  2. We use your information so that:
    1. We can identify you when you contact us;
    2. We can identify accounts, services and products you may have or have had from us;
    3. We can offer you other products;
    4. We can prevent and detect fraud or loss;
    5. We can check your information with fraud prevention agencies. If you give us false or inaccurate information and we suspect that there may be fraud we will record this;
    6. We can improve your account administration;
    7. We undertake marketing analysis and customer profiling;
    8. We can continue to market to you with relevant offers;
    9. We can assess any loan application that you may make, including assessment of creditworthiness, sustainability and affordability.
  1. Do you record calls or emails?
  2. Yes, we do record calls and retain emails.
  1. Who has access to your information?
    1. all our staff;
    2. our agents who may meet with you;
    3. third parties including police or government agencies should they request it;
    4. if any officials request it for legal proceedings;
    5. debt purchasers – if we sell your debt;
    6. credit brokers or affiliates – if we sell your data;
    7. debt collectors if our loan remains unpaid;
    8. solicitors if our loan remains unpaid and we pursue you in court;
    9. if our company and all of its assets are bought by a third party your personal data will also be transferred to this third party;
    10. if we need to pass on personal data to others so that we can collect debts that are owed; marketing information and customer services.
    11. if we can offer you any financial services;
    12. credit reference agencies;
    13. Third parties who provided us with any outsourcing admin services.
  1. Which third parties specifically see my data?
  2. These companies process your data:
    1. Callcredit (Credit Reference Agency)
    2. Lending Metrics (Credit Reference Agency)
    3. Anchor Computer Systems (Systems and Software Provider)
    4. Axcess Payment Services (Payments Processor)
  1. Do you sell data?
  2. We do not currently sell data.
  1. What data do the Credit Reference Agencies use?
  2. In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take financial services from us we may also make periodic searches at CRAs to manage your account with us.

    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:
    1. Assess your creditworthiness and whether you can afford to take the product;
    2. Verify the accuracy of the data you have provided to us;
    3. Prevent criminal activity, fraud and money laundering;
    4. Manage your account(s);
    5. Trace and recover debts; and
    6. 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.

    When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

    If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

    The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail in the Credit Reference Agency Information Notice (CRAIN).

    CRAIN is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same CRAIN document:
    www.callcredit.co.uk/crain
    www.equifax.co.uk/crain
    www.experian.co.uk/crain
  1. Why do you sell data?
  2. We do not currently sell data.
  1. Who might you sell my data to?
  2. We do not currently sell data.
  1. Can I refuse my data being sold?
  2. We do not currently sell data.
  1. Who do you sell data to?
  2. We do not currently sell data.
  1. Can I change my mind about marketing?
  2. You can change your mind at any time by emailing us at optout@anicofinance.com.
  1. How can I update and access my information?
  2. Please email us at optout@anicofinance.com – we will also contact you periodically.
  1. What security do you have to protect my data?
  2. We have a very strict policy on protecting your Personal Data:
    1. We make sure we do appropriate checks on members of staff;
    2. We use encrypted software where necessary;
    3. Our systems are tested to see whether they can be penetrated by malicious software and outside third parties looking to steal data. Our regulators expect us to do this to ensure our systems are secure.
  1. Do we use Cookies?
  2. Yes
  1. Why do you use Cookies?
  2. Cookies cannot be used to identify you personally and are used to improve services for you, for example through:
    1. letting you navigate between pages efficiently;
    2. enabling a service to recognise your computer so you don’t have to give the same information during one task;
    3. recognising that you have already given a username and password so you don’t need to enter it for every web page requested;
    4. measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure that they are fast.
    See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies.
  1. Do you buy data?
  2. We do not currently purchase data.
  1. Do we profile your information?
  2. We may profile your information so we can market products to you that match your interests.
  1. Can I access my profile?
  2. Yes – You can write to us at optout@anicofinance.com and we will provide you with a copy. You can ask us to amend or erase any of this data.
  1. Can I object to you profiling me?
  2. Yes you can, by emailing us at: optout@anicofinance.com.
  1. What age must I be?
  2. 22
  1. Do we review our Privacy Policy?
  2. Yes, we can update our privacy policy without letting you know.
  1. Who can I write to to get more information about this Privacy Policy?
  2. Compliance Officer
    optout@anicofinance.com
    Anico Financial Services Limited
    30-32 Queensway London
    W2 3RX
    FR 718188
    ICO reg. Z3602226
  1. How can I update and access my information?
  2. Please email us at optout@anicofinance.com – we will also contact you periodically.
Secure site
*All applications are subject to credit assessment, status and final checks before funding.
Call charges may apply depending upon your telephone provider. Calls may be recorded for training and security purposes.
Copyright © Anico Financial Services Limited 2016.
Registered office: Office 101, 32 Queensway, London W2 3RX. Registered in England & Wales Number: 7372140. Authorised and regulated by the Financial Conduct Authority licence number 718188. Site Design/Branding Diablo