1. About Yorkshire Loan
1.1 Yorkshire Loan is a trading name of Windsor Financial Solutions Ltd, a company registered in England and Wales (registration number 08076989), whose registered office is at Windsor House, Cornwall Road, Harrogate, HG1 5JS. Windsor Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority with interim permissions under firm reference number 0651057.
1.2 We will only process personal information which you provide to us in accordance with the Data Protection Act 1998, the Privacy and Electronic Communications (EC Directive) Regulations 2003 and any other relevant privacy laws.
2. Information Yorkshire Loan may collect about you
2.1 We may collect any of the following information from you when you access the Yorkshire Loan website or submit any information to us:
(a) the name, date of birth, sex, postal address, telephone number and email address of you or any directors or shareholders of your business (if appropriate);
(b) details of a bank account for making and receiving payments;
(c) information that you provide to us when you write to us (including by email);
(d) information that you provide to us when we speak to you by telephone. We may make and keep a record of the information you share with us;
(e) information that you provide to us by completing surveys on our website; and
(b) details of any transactions which you or any directors or shareholders of your business (if appropriate) carry out through the website.
2.2 We will not collect any personal information in respect of any individual under the age of 18, who in any event will not be permitted to use the services we provide.
3. Use and storage of your personal information
3.1 We, or third party data processors acting on our behalf, may collect, use and store the personal information set out at Clause 2.1 for the following reasons:
(a) to provide website content which is tailored specifically to you;
(b) with your consent only, to provide you with information, products and services which either you request, or which we feel will be of interest to you;
(c) to allow you to access the Yorkshire Loan website.
(d) to keep you informed about our fees and charges;
(e) to disclose your personal information to third parties, so that they might contact you with products and services which may be of interest to you. We will disclose your personal information only with your consent, and only to third parties which we have selected as suitable for you.
3.2 We will never share, sell or rent any of your personal information to any third party without your consent. Where you have given your consent for us to share your information, but later change your mind, you should contact us and we will stop doing so immediately.
3.3 We may be required to disclose your personal information where we are required to do so by any applicable law, for example where instructed to do so by any governmental body or law enforcement agency, and you acknowledge and consent to us doing so.
3.4 We may also disclose your personal information to a third party which acquires all or substantially all of our business and assets, in connection with the acquisition.
4. Your rights
4.1 You may contact us by post or email at any time, to request that we do any of the following:
(a) provide you with copies of any personal information which we hold about you (subject to a fee of £10);
(b) update any out of date or incorrect personal information which we are holding about you; or
(c) opt out of any marketing communications which we (or any third party to which we have disclosed your personal information with your consent) send to you from time to time.
5. Transfers of information
We may transfer data collected from you to third party data processors, or to other members of our group, which are located outside of the European Economic Area. By providing us with your personal information you acknowledge and consent to any such transfer. We will take all reasonable precautions to ensure that your personal information is kept secure, however, you should be aware that countries outside the European Economic Area may not offer the same level of data protection as the United Kingdom.
6.2 We may use third party service providers to help us use the information which we obtain through cookies, and you consent to us doing so where we consider it necessary to improve the efficiency of our services.
6.3 You may choose to disable our cookies at any time by changing the settings on your internet browser.
7. Security of data
Please be aware that although we make every effort to protect the personal data which you provide to us, the transmission of data over the internet can never be guaranteed to be completely secure. By providing us with your personal data you acknowledge and accept that we cannot guarantee the security of any data which you provide to us.
8. Third party websites
We provide a quick, hassle free and competitive way to obtain an instant cash loan for any purpose from £1k to £200k+.
We will consider any asset with a resale value and we will not undertake a credit check or affect your credit rating.
We lend up to 80% against the value of your assets which is usually at least 30% more than other lenders and our rates are lower than some credit cards and bank facilities.
All pawn loans are for a fixed term of 6 months. Minimum APR: 32.25% - Maximum APR: 69%
Representative Example: Total Credit: £2000. Loan term: 6 Months. Monthly interest rate: 3% (fixed). Interest for 6 months: £360. Amount repayable in one installment: £2360. 39.24% APR.
Risk Warning: If the loan is not repaid, the asset may be sold to to recover the debt.