We have developed this notice because we want you to feel confident about the privacy and security of your personal information and because we would like to explain how we will use and process it. Short Term Finance Ltd is your data controller and it is registered under the data protection laws in the United Kingdom (Registration Number: Z9645841). Our contact details are at the end of this notice.
When we refer to “personal information” in this privacy notice, we mean information which identifies you as an individual, or is capable of doing so. Accordingly, we may hold and use data about you in your capacity as a consumer for the purposes mentioned in this website privacy notice (see below).
Please read this website privacy notice carefully. By using our website you are agreeing to the use of your personal information as set out in this privacy notice.
This privacy notice only applies to how Short Term Finance Ltd deals with your personal information which is collected through our website or when we are otherwise in contact with you (for instance when you call us or email us). It does not apply to any other company (whether inside or outside our group) or to any other company’s websites even if you access them through Short Term Finance. If you disclose your personal information to other companies your information will be dealt with according to their own privacy policies and practices.
In the terms and conditions of your loan agreement you will see additional information about data protection, credit checks and how we use and share your personal information. That separate data protection notice relates specifically to our processing of your personal information in connection with the administration of your loan agreement and your application to enter into the same. In that notice, you are directed to read this website privacy notice, which is supplementary to it. In the event of conflict, the data protection notice in those terms and conditions will prevail.
Where required, we will also ask you to confirm and accept conditions and terms associated with each of our services you use (for instance, we will ask you to sign terms and conditions which are in a loan agreement if your application for a loan is successful).
You can give us your personal information through data capture fields on our website. This includes when you set up your account and apply online for a Short Term Finance Ltd loan. In addition, this includes when you report a problem with our website, click on the “get in touch” link on our website, contact us using the details given in this website privacy notice, or in any other instances of your providing information through our website.
We may ask you for information to enable us to provide a service to you and we collect this information by telephone, written correspondence or via our website. We may ask you for information including your name, address, contact telephone numbers, and email address.
We collect information about your use of our website and services (such as the amount of time you spend on our website), which we use to optimise our services and your experience with us.
We collect information from visitors to our website to help us to make improvements to our website and to the services we make available. We know, for instance, how many visitors there are to our website, when they visited, for how long and to which areas of our website they visited.
We collect personal information about you from credit reference agencies and fraud prevention agencies (further details below). In addition, we may receive personal information about you from other companies and organisations such as brokers and affiliates (including for marketing purposes) provided they have appropriate consents to permit us to use it subject to applicable data protection laws. We rely on these third parties to obtain your consent for us to use this information.
We may use your personal information in the following ways:
This is not a definitive list, but is intended as a fair reflection of the uses made at the current time.
We may use your personal information to ensure we are providing you with a relevant and useful online experience. In order for Short Term Finance Ltd to continually improve and enhance its customer service, we may from time to time use your personal information provided for quality and training purposes.
We may use your personal information for statistical purposes, surveys and research purposes in order to consider how we can improve our products, services and performance. In these cases, steps will be taken with a view to ensuring that your privacy rights are not inappropriately undermined, this may include turning personal information into anonymous data so that a person cannot be identified from it.
If you call us to discuss your loan account(s) we will carry out checks to verify your identity. We do this to help protect you from identity theft and fraud, and also to prevent and detect crime and money laundering.
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
Where permitted by data protection laws and other applicable laws, we may monitor and record our communications with you, including e-mails and phone conversations. Information which we collect may then be used for training purposes, quality assurance, to record details about the products and services you order from us (i.e. to evidence formation of a contract, as relevant), and in order to meet our legal and regulatory obligations.
We will share your personal information with credit reference and fraud prevention agencies (as mentioned above). In addition, as a normal part of our business we may share your details with other carefully selected partner companies to help provide you with your loan. To enable them to do this, we may need to share your personal information with them. When we do so, these companies are required to act in accordance with the instructions we give them and to keep the information secure.
We may share your personal information to disclose information about you with our nominated Market Research Company in order to carry out Market Research.
In addition we may disclose your personal details to our auditors, solicitors and other professional advisors, and who have agreed to treat your personal details as confidential.
We may provide information, in response to properly made requests, for the purposes of the prevention and detection of crime, and the apprehension or prosecution of offenders. We may also provide information for the purpose of safeguarding national security. In either case we do so in accordance with data protection legislation. We also provide information where we are required to do so for compliance with applicable regulatory, governmental, law enforcement and judicial organisations.
If there is a change (or prospective change) in the ownership of Short Term Finance Ltd or any of its assets, we may disclose personal information to the new (or prospective) owner. If we decide to restructure our business, if we, or any of our assets are acquired or a third party invests in our business, they will become a data controller of your personal information. This means we will share your personal information with these types of third parties and they will be responsible for it, including for treating it appropriately, under the data protection legislation.
We may also share your personal information with other third parties, including those who conduct any services on our behalf which involve the processing of your personal information or who help us to manage aspects of our business, such as IT providers, debt collection agents, tracing agents, advisers and auditors; in addition, Short Term Finance Ltd and other companies in the same group as us who provide services or assistance to us in relation to our business. We take steps to ensure these third parties handle your personal information securely and in accordance with applicable data protection legislation. In particular, if your loan account with us falls into arrears we may pass your details to debt collection agencies and they will use it to make contact with you (whether in person, by post, email or telephone) in order to recover the sums owed.
Your personal information may be transferred to countries or territories outside of the European Economic Area. This may happen when we share your personal data with the third parties mentioned above, including those who conduct any services on our behalf which involve the processing of your personal information or who help us to manage aspects of our business, such as IT providers, or who help us with the operation of our website. The recipients may be in countries or territories which have not been assessed as providing adequate protection for personal information. This means that in these countries or territories there may not be the same level of protection for personal information as is relevant in your own country. Steps will be taken with a view to putting in place adequate safeguards for personal information by us prior to any such transfer, as relevant.
We may convert your personal information into statistical or aggregated data in such a way as to ensure that you are not identified or identifiable from that data. We may use this aggregated data to conduct market research and analysis, including to produce statistical research and reports. For example, we may produce reports on which of our products and services attract the fewest or the highest number of enquiries from visitors to our website. We may share aggregated data in several ways, including for the same reasons as we might share personal information (see above).
The time period for which we keep information varies according to what the information is used for. We comply with all legal requirements to keep data for a minimum period. Unless there is a specific legal requirement for us to keep the information, we will retain it for no longer than is necessary for the purposes for which the data was first collected or for which it is to be further processed.
Data protection legislation means that you have certain rights including the right to access or obtain copies of the personal information we hold about you, to clarify inaccurate information and in respect of automated decision making (as relevant). Your right to access or obtain copies of your personal information may extend to (but is not limited to) some or all of the following items to the extent these amount to or contain your personal information:
If you would like us to provide copies, you must put your request in writing, enclosing a cheque for £10 made payable to Short Term Finance Ltd and send to Short Term Finance Ltd, Customer Services Team, 155 Bromford Lane, Birmingham, B24 8DJ. We are entitled to charge a small fee for dealing with these requests (£10). Cheques should be made payable to Short Term Finance Ltd. We reserve the right to request confirmation of your identity before we process any such request.
You can exercise your other rights by contacting us in the ways described above or by contacting our Customer Services Team)
Please tell us if your personal information including contact details or address change at any time so that we can update our records. If some of the information we hold about you is inaccurate (for instance because you have changed your marital status or name, or moved house, or changed your telephone number or email address), please contact us and we will make the necessary amendments. Our contact details for this purpose are set out in our Contact Us page.
If you have provided your consent to receive direct marketing communications, for instance when you submit your name and contact details through our website, or when you apply for a loan, we will use your contact information to communicate with you in relation to products and services which you have confirmed you would like to hear about from us. We may contact you for this marketing purpose by post, SMS, telephone or email.
To change your marketing preferences, you can contact us. We will process your request within a reasonable period of time.
Any marketing communication by email or SMS which are from us will also include details of how you unsubscribe.
We are serious about guarding the security of your personal information and the details of any transactions or applications made. We take appropriate technical and organisational measures to protect against unauthorised or unlawful processing of your personal information and against accidental loss or destruction of, or damage to, your personal information.
We may change our privacy notice from time to time. Updated versions will be made public on this website. You are encouraged to visit this privacy notice regularly when you visit our site – to ensure that you have seen the most up to date version.
Our contact details are set out in our Contact Us page.
Short Term Finance Limited.
Registered Office: 155 Bromford Lane, Birmingham, B24 8DJ.
Registered No. 05814748 England
Authorised and Regulated by the Financial Conduct Authority.
“I have been using STF for many a year, now and my experience with them has been fantastic. The process of applying for a loan is very easy and fast and the agents at STF has been absolutely fantastic.”
"One of the agents at STF, Betty was incredibly helpful. She went through all the details with us thoroughly in order to make sure we understood everything. "
“STF are very understanding. I’ve been a customer for over 8 years and when I had to go in to hospital I couldn’t meet the repayments for one week. I spoke to STF and they were happy for me make up the repayments the following week once I was out of hospital.”
Feeling a little worried about your credit history? As a family run business, we understand that a minor lapse on your credit record doesn't necessarily reflect your character, or even give a true representation of your financial situation. While some lenders have very strict lending policies, we do our best to give you a chance to take out a loan and build up your credit record with a small loan paid back every week. Even if you aren’t working at the moment, we may be able to help. Find out more here.Calculate your repayments