Loans from Hastings Direct - Privacy Notice
1. Table of Contents
2. About Hastings Financial Services Limited
3. What we mean by personal information
4. What information we collect about you
| Categories of information | Details |
|---|---|
|
Individual details |
Your name, address, former addresses, contact details (e.g. email / telephone), gender, marital status, date of birth, nationality, length of time as a UK resident. If you take out a loan with us, we will ask for additional information to verify your identity, residency, marital status and address. All of this information will be obtained from you, but can contain special categories of information (e.g. a driving licence details may show details of any motoring convictions). In some situations, further information and/or copies of documents outlined above may be requested to validate your identity. |
|
Employment information |
Your job title and the nature of the industry you work in. |
|
Income and household information |
Details about your income and expenses, including any household dependents and bank account details. |
| Criminal convictions | We only collect details which are unspent under the Rehabilitation of Offenders Act. |
| Marketing preferences | During the quotation process (either with us or with a price comparison website), we will ask you to confirm if you would like to receive marketing information (see the section on Marketing for more details). |
| Website usage, including cookies | When you interact with our website, we monitor your usage and may use cookies for certain features. Details are explained in our Cookie Notice. |
| Credit and anti-fraud data | Credit history, credit score, sanctions and criminal offences, bankruptcy orders, individual voluntary arrangements (IVAs) or county court judgements, information received from various anti-fraud databases and information about the device you are using. Some of this information (e.g. criminal offences) may include special categories of information relating to you. |
| Demographic data | Lifestyle indicators such as income, residential status, and size of your household. |
| Financial details | Details of your bank account. With your agreement, we may also collect details about your income and banking transactions as provided under the Open Banking initiative3 |
| Publicly available data including social media | This refers to data which is freely available. When necessary and proportionate to do so, this may include (but isn’t limited to) social media about you, the electoral roll, court judgments, insolvency registers, internet search engines, news articles, blog posts, and sources licensed under the Open Government Licence v 3.0. We may also collect information that we feel is relevant to our understanding of the risks associated with providing you with a loan. |
| Other Hastings Group Holdings Limited companies | We may obtain information about you held between Hastings Group Holdings companies. We may obtain information about you held between Hastings Group Holdings companies. |
| Other information | Information we capture during recordings of our inbound and outbound telephone calls, or if you make a complaint. This may include special categories of information you volunteer when communicating with us. |
5. Collecting and sharing your personal information
| Categories | Details |
|---|---|
| Third Party companies that help us with providing you a loan. | These include price comparison websites or loan brokers that you use as part of the loans (or loan application) process. They may send us your details in order for us to provide you with a quotation or a loan. We may also send back certain details as required by our contract with them (for example, if you subsequently went on to take out a loan). |
| Credit Reference Agencies. | We use credit references agencies for identity, income verification, affordability and counter- fraud purposes2. |
| Providers of demographic data and vehicle data. | These companies provide us with lifestyle indicators about you, such as your income, residential status, and size of your household. |
| Open Banking providers and your Bank. | Under certain circumstances (for example, to help check your identity, verify information you provided us, and carry out affordability and credit assessments), we may ask you to allow us access to your bank details as a faster and more efficient alternative to sending in bank statements. If you agree, we use a company to help us electronically access your bank account and view all the details (account information, individual transactions etc.)3. |
| Police, financial crime detection agencies and lending industry financial crime databases and other lenders. | These are used for fraud prevention purposes such as detecting, investigating and preventing crime, as well as for checking against international sanctions as required by law4. |
| Government agencies and publicly available sources. | These include the HMRC, Department for Work & Pensions, regulators (e.g. the Financial Conduct Authority), the electoral roll, court judgments, insolvency registers, internet search engines, news articles and sources licenced under the Open Government Licence v 3.0. |
| Other third party suppliers. | These are suppliers we appoint to help us carry out our everyday business activities IT suppliers, our financiers, actuaries, auditors, lawyers, debt collection agencies, document management providers, outsourced business process management providers, our subcontractors and tax advisors. Selected third parties in connection with any sale, transfer or disposal of our business. |
|
Other Hastings Group Holdings Limited companies. |
We may share information that you provide between Hastings Group Holdings companies.
|
6. What we use your personal information for and our legal grounds
7. Use of our website
8. Sending your data to other countries
9. Marketing
10. How long we keep your personal information for
| Purpose | Details |
|---|---|
| Quotes | If you provide information for the purposes of getting a quote from us, either directly, through a price comparison website or loan broker, we’ll keep your details for six years. This includes quotes that are abandoned, incomplete or unfinished, or where you do not click through from the price comparison website to the Hastings Direct website, or where we decline to offer a quote. If a quote results in a loan being taken out, that quote and any prior quotes falling six years before the date the loan started, will be kept along with the loan details in line with our loan retention period below. |
| Loans | If you take out a loan with Hastings Direct, all the information mentioned in What information we collect about you, including quote information, identify verification details, income, expense, affordability and credit details, will be retained for a period of 6 years after the final loan payment, or the time of last account activity. |
11. Automated processing
12. Your rights
13. How we protect your information
14. Contact us
15. Updates to this Privacy Notice
16. Copies of this notice
Last modified: 7:27 PM - 16 July, 2025