Privacy Policy

We may collect personal information such as your name, date of birth, contact details (address, email, phone number), financial information (income, employment, bank details), identification documents, and information about your credit history. We may also collect technical information such as your IP address, browser type, and how you interact with our website or app.

We can collect your information in a number of ways.

• When you make an application or enquiry to us either by phone, email, our websites, by a third party or by any other means
• Information received from a third party, for example when we run checks with a third party, such as a credit reference agency or fraud prevention agency, or where you have previously agreed for your information to be shared with us, for example, if you have been introduced to us by another company
• When you participate in market research, consumer feedback, competitions and promotions provided by us, or on our behalf
• By adding reviews or interacting with us using social media such as Twitter or Facebook etc
• When we may need to obtain up to date information about you to meet our legal or regulatory obligations
• Where you have given permission for your information to be provided to us
• We may receive information from other people if you give permission for them to give us your information
• We may also collect technical information about you based on your use of the website or mobile app, for example each time you visit the website or use the mobile app, your (IP) Internet Protocol address, browser type and version, products and services you viewed or searched. For more information please read our Cookies Policy

We use your personal information to assess your application, verify your identity, provide our products and services, meet our legal and regulatory obligations, prevent fraud, improve our website and app, and, where you have consented, to send you marketing communications about products and services that may be of interest to you.

We may use automated systems to help assess your application and creditworthiness, for example to carry out affordability and fraud checks. This helps us make fast and consistent decisions. Where a decision is made solely by automated means and it has a significant effect on you, you have the right to request a manual review, express your point of view, and challenge the decision.

We may share your information with lenders or partners to process your application, credit reference and fraud prevention agencies, our service providers (such as IT and payment processors), regulators and law enforcement where required by law, and professional advisers such as auditors or lawyers. We do not sell your personal information to third parties for their own marketing purposes.

We may pass information about you to fraud prevention agencies who will use it to prevent fraud and money laundering, and to verify your identity. If false or inaccurate information is provided and fraud is identified, details may be recorded and shared with other organisations to prevent fraud and money laundering.

If you interact with us through social media, for example by commenting on or sharing our posts, we may collect information you make publicly available, such as your name and any comments you post. We may use this to respond to you, understand how our content is received, and improve our services. Any interaction on third party platforms is also subject to that platform's own privacy policy.

Your information may occasionally be transferred to and stored in countries outside your home country, including where our service providers are based. Where this happens, we take appropriate steps to ensure your information is protected to the same standard as required in your home country, including the use of approved contractual safeguards.

We take the security of your personal information seriously and have put in place appropriate technical and organisational measures to protect it against unauthorised access, loss, misuse or alteration. This includes encryption, secure servers, access controls, and regular reviews of our security practices. We also require our third party service providers to keep your information secure.

We may contact you by phone, email, SMS, or post about the products and services you have applied for or hold with us, including to provide updates on your application, respond to enquiries, and meet our legal and regulatory obligations. We will only contact you for these purposes using the contact details you have provided to us.

You have a number of rights in relation to your personal information, including the right to access the information we hold about you, request that we correct inaccurate information, request erasure of your information, restrict or object to how we process it, request portability of your data, and withdraw consent at any time where we rely on consent. To exercise any of these rights, please contact us using the details in the Contact Us section.

We only keep your personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy any legal, accounting, or regulatory requirements. Retention periods vary depending on the type of information and the product or service involved; once no longer needed, your information is securely deleted or anonymised.

With your consent, we may send you marketing communications about products, services, and offers that may be of interest to you, by email, SMS, phone, or post. You can update your marketing preferences or opt out at any time by using the unsubscribe link in our communications or by contacting us directly, and this will not affect the service we provide to you.

We may also use aggregated or pseudonymised information, and cookies or similar technologies, to show you relevant advertising on our own and third party websites, and to measure the effectiveness of our advertising campaigns. Please see our Cookies Policy for more information on how to manage these preferences.

We may record telephone calls with you for training, quality assurance, dispute resolution, and regulatory compliance purposes. Call recordings are stored securely and only kept for as long as necessary before being deleted in line with our retention practices.

If you have any questions about this Privacy Policy, or wish to exercise any of your rights, please contact us by email at info@invok3.ai or by writing to us at our registered office. If you are unhappy with how we have handled your information, you also have the right to complain to the Information Commissioner's Office (ICO).

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post any updated version on this page with a revised "Date last updated", and where changes are significant we will take reasonable steps to notify you directly.