Effective as of the 1st Nov 2007

FinanceLoop as part of OLT Ltd network referred to in this policy as “we” or “us” as appropriate. If you have any questions about this policy please contact us through our website or write to the Online Talents Ltd data protection officer at: Protection Officer, Online Talents, 43 Porchester Terrace, W1T 2BU.

We are committed to protecting your privacy. This Privacy Policy (“the “Policy”) explains what information we collect about you and what we do with it. By using or navigating this site and its services, you acknowledge that you have read, understood and agree to be bound by this Policy or any modified Policy as posted. If you do not agree to these terms, please do not use or revisit our site.

1. Personal Information: how we collect it and use it
o 1.1 We collect information about you for 2 reasons: firstly, to process your application and second, to provide you with the best possible service.
o 1.2 Depending on the circumstances, we may collect the following types of information:
a. Information you provide – (such as your name, address, email address, phone number, existing mortgage and financial commitment).
b. Cookies - When you visit Finance Loop website, we may use "cookies" to enable us to tailor your experience on our site. A cookie is a small text file that is placed on your hard disk by a web page server. Cookies contain information that we can read when you revisit us. Cookies cannot be used to run programs or deliver viruses to your computer. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser to decline cookies. If you choose to decline cookies, you may not be able to take advantage of some Finance Loop features that may depend on cookies.
c. User communications - When you send email or other communication to Finance Loop, we may retain those communications in order to process your enquiries and to improve our services.
d. Affiliated sites – Finance Loop acts as an affiliate site on behalf of many financial companies. Therefore, your personal information may be sent directly to them for processing your application. We will never supply your information to unlawful firms or allow any suspicious manipulation with your personal information supplied to us.
o 1.3 In addition to processing personal information for the purposes described above (and/or any privacy notice) Finance Loop may also process it to maintain its network and develop new services.

Choices for Personal Information
o 2.1 If we use your personal information for a different purpose than that for which it was collected, we will ask for your consent.
o 2.2 We will not collect or use sensitive personal information unless we have obtained your specific consent.
o 2.3 You can decline to submit personal information to us or require us to cease processing it but in that case Finance Loop may not be able to provide its services to you.
o 2.4 If we contact you via e-mail or SMS we will give you the opportunity to decline to receive future e-mail and SMS messages from us.
o 2.5 Where you have given us your permission to do so, you agree that we and other third parties (where applicable) may contact you directly by post or telephone with details of products, offers, services and promotions.

Information Sharing
o 3.1 Finance Loop only shares personal information with third party companies or individuals in the following circumstances:
a. where such information is provided to our subsidiaries, affiliated companies or other trusted businesses or persons for processing on our behalf, and only where they agree to process it in accordance with our instructions and the Act.
b. where we believe in good faith that the processing of such information is necessary to (a) comply with law, regulation or governmental request, (b) enforce our terms and conditions of use, including the investigation of potential violations of those terms and conditions, or (c) deal with fraud, security or technical issues, or (d) enable Finance Loop to provide its services.
c. to fulfil orders you have made for goods and services. d. to provide you with services such as bulletin boards, email newsletters and competitions.
e. for internal purposes to (a) improve our understanding of customer needs in developing the Website, (b) to build marketing profiles or (c) to aid strategic development and to manage our relationship with our advertisers.

Information Security
o We take appropriate security measures to protect against unauthorised access, alteration, disclosure or destruction of personal information. These include reviews of our information collection, storage and processing practices as well as physical security measures. We restrict access to personal information to only those OLT Ltd employees, contractors and agents who need it. This is in accordance with our internal security policy, the law.

Data Integrity
o We take reasonable steps to ensure that the personal information we process is accurate, but we depend on our users to update their personal information whenever necessary.

Changes to this Policy
o We reserve the right to modify this Policy at any time and we will notify you of any material changes to the Policy by posting the new Policy here and changing the "Effective Date" at the top. We encourage you to check this page periodically for any changes.

Transfer of Personal Details Overseas
o Given the global nature of the Internet, use of the Internet to collect and process personal details may involve the transmission of data internationally. Therefore, by browsing this Website and communicating electronically with us, you acknowledge and agree that we may process your details overseas. However, we will always ensure that any third party to whom your personal details are transferred (for example, a website posting company or operator) will take appropriate steps to safeguard your personal details.

Third Party Information
o When you give us information about another person, you confirm that they have appointed you to act for them, to consent to the processing of their personal data, including sensitive personal data and to the transfer of their information abroad and to receive on their behalf any data protection.

General
o If you are aged 16 or under, please get your parent/guardian's permission beforehand whenever you provide personal information to us.