office: 020 8530 4287
text: 07961 086718

THE TERMS AND CONDITIONS OF Pinewood Finance Co Ltd.

1  Acceptance The Use Of Pinewood Finance Co Ltd. Terms and Conditions

Your access to and use of Pinewood Finance Co Ltd. is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.

2  CREDIT CARD DETAILS

Pinewood Finance Co Ltd. will never ask for your credit card details and we advise our customers to not enter their credit cards details on Pinewood Finance Co Ltd. website or by submitting such details in any other form.

3  LEGAL ADVICE

The contents of Pinewood Finance Co Ltd. website do not constitute advice and should not be relied upon in making or refraining from making, any decision.
All material contained on Pinewood Finance Co Ltd. is provided without any or warranty of any kind. You use the material on Pinewood Finance Co Ltd. at your own discretion

4  CHANGE OF USE

Pinewood Finance Co Ltd. reserves the right to:
4.1  change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that Pinewood Finance Co Ltd. shall not be liable to you for any such change or removal and.
4.2  change these Terms and Conditions at any time, and your continued use of the Website following any changes shall be deemed to be your acceptance of such change.

5  Links to Third Party Websites

Pinewood Finance Co Ltd. Website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.

6  COPYRIGHT

6.1  All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or licensed to Pinewood Finance Co Ltd. or otherwise used by Pinewood Finance Co Ltd. as permitted by law.
6.2  In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

7  LINKS TO AND FROM OTHER WEBSITES

7.1  Throughout this Website you may find links to third party websites. The provision of a link to such a website does not mean that we endorse that website. If you visit any website via a link on this Website you do so at your own risk.
7.2  Any party wishing to link to this website is entitled to do so provided that the conditions below are observed:
   (a)  you do not seek to imply that we are endorsing the services or products of another party unless this has been agreed with us in writing;
   (b)  you do not misrepresent your relationship with this website; and
   (c) ; the website from which you link to this Website does not contain offensive or otherwise controversial content or, content that infringes any intellectual property rights or other rights of a third party.
7.3  By linking to this Website in breach of our terms, you shall indemnify us for any loss or damage suffered to this Website as a result of such linking.

8   DISCLAIMERS AND LIMITATION OF LIABILITY

8.1  The Website is provided on an AS IS and AS AVAILABLE basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
8.2  To the extent permitted by law, Pinewood Finance Co Ltd. will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.
8.3  Pinewood Finance Co Ltd. makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.
8.4  Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Pinewood Finance Co Ltd. for death or personal injury as a result of the negligence of Pinewood Finance Co Ltd. or that of its employees or agents.

9  INDEMNITY

You agree to indemnify and hold Pinewood Finance Co Ltd. and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Pinewood Finance Co Ltd. arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.

10  SEVERANCE

If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

11  WAIVER

If you breach these Conditions of Use and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these Conditions of Use.

12  GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the law of United Kingdom and you hereby submit to the exclusive jurisdiction of the United Kingdom courts.

13  WHO REGULATES US?

Pinewood Finance Co Ltd is authorised and regulated by the Financial Conduct Authority for certain consumer credit activities. (FRN: 091477)

Data Protection Register number is Z7463168.

The data controller is Pinewood Finance Co Ltd.

Consumer credit license number: 091477

Consumer credit act membership number: 8142

Registered company number: 1425325


15  OUR CONTACT DETAILS

Our Office Address:

116 George Lane
London
E18 1AD
United Kingdom
0800 783 3530

For any further information please email Pinewood Finance Co Ltd.

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Privacy Notice

This explains how and why we acquire and use your personal information in accordance with Regulation (EU) 2016/679, the General Data Protection Regulation (GDPR).

We collect information about you:

  • As part of your loan application and during the term of any agreement
  • from you and from searches of Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs) of their records relating to you and other people with whom you are linked financially, from public records, e.g. the electoral roll and third parties e.g. credit brokers where you have provided information to them and consented for it be passed to us
  • this includes your name, address, national insurance number, date of birth, contact details, marital status, employment information, credit record and records of your account.

We use this information to:

  • make credit decisions about you, members of your household or others to whom you are linked financially
  • communicate with you be telephone, email, SMS or post
  • manage your account, make collections and debt tracing
  • prevent fraud and money laundering
  • report to CRAs and FPAs
  • report to our regulator, the Financial Conduct Authority where we are required to do so

This is to comply with our legal and regulatory obligations and fulfil our legitimate interests of promoting responsible lending. If you do not provide us with your information, we will not be able to lend to you.

We may also search your information for other purposes where you have consented to this for example for surveys and research.

We may share your information with:

  • third parties to which we transfer, charge or assign your agreement or which manage your loan or provide services for us
  • law enforcement agencies or regulatory bodies where we are required to do so by law
  • CRAs and FPAs to which we may report positive, delinquent and default data about your account(s) on a regular (minimum monthly) basis. This information may be supplied to other organisations which search your credit record.

When CRAs receive a search from us they place a search "footprint" on your credit file whether or not the application proceeds. Records remain on file with CRAs and FPAs for 6 years after they are closed, whether settled by you or defaulted.

More information about CRAs and how they use personal information is available at:

Callcredit information group, One Park Lane, LEEDS, LS3 1EP. Tel: 0330 024 7574 or email: consumer@callcreditgroup.com

Equifax Ltd. Customer Service Centre, PO Box 10036, LEICESTER, LE3 4FS. Tel: 0333 321 4043 or 0800 014 2955 or email from: www.equifax.co.uk/ask

Experian PO BOX 900, NOTTINGHAM, NG80 7WF. Tel: 0344 481 0800 or 0800 013 8888 or email: consumer.helpservice@uk.experian.com

We store your information:

  • within the European Economic Area (EEA)
  • we may transfer data outside the EEA but will ensure that before we do so, there is adequate protection in place to ensure the security of your data.

You have the right to:

  • access the information we hold about you
  • ask us to make any changes to your information to make sure it is accurate and up to date
  • ask us to stop or limit our use of or to delete your information
  • receive your information in a format that suits you
  • transfer your information to a third party
  • be told which CRAs we have used and obtain a copy of your file from CRAs

Contact

If you have a question, want to exercise your rights or make a complaint, please contact our Data Protection Officer.

You can also make a complaint to the information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

Telephone: 0303 123 1113


Agreement

I agree to the terms of this Privacy Notice and acknowledge that as part of my loan application the lender may undertake searches of my records with Credit Reference Agencies and Fraud Prevention Agencies and that information regarding my loan account including positive, delinquent and default data will be reported to those agencies and may be accessed by other organisations which search my records.