revvy

1. Who We Are

Revvy is a trading name of JGC Trading Ltd. This Privacy and Cookies Policy explain how we collect, use and protect your personal data when you visit www.revvy.co.uk, make an enquiry or apply for finance.

JGC Trading Ltd is the data controller for your personal data. Our registered office is Revvy Unit G&H Milbrook Road, Orpington, BR53TX. We are authorised and regulated by the Financial Conduct Authority for consumer credit activities (Firm Reference Number 713249).

We are registered with the Information Commissioners Office as a data controller under the same registration used for JGC Trading Ltd – Firm Reference ZA114279

If you have any questions about how we use your personal data, you can contact us at:

Post: Data Protection Officer, JGC Trading Ltd, Hewitts Road, Orpington, Kent, BR6 7QR
Telephone: 01689 458293

2. What Personal Data We Collect

We may collect and process the following types of personal data.

Information you provide directly

Name and contact details such as address, email address and telephone number
Date of birth and previous addresses
Employment details and income information
Bank details and other financial information for affordability assessments
Information contained in identity documents such as driving licence or passport
Information contained in any correspondence with us, including complaints

Information we receive from third parties

Information from credit reference agencies
Information from fraud prevention agencies
Information from lenders regarding your application or agreement
Information from social media platforms where you contact us through those channels

Special category data

We do not routinely collect special category data such as information about your health or criminal convictions. If such information is required for a finance application, we will explain why it is needed and will only collect and use it with your explicit consent or where the law allows us to do so.

3. How We Use Your Personal Data

We use your personal data for the following purposes.

To provide our services

To process enquiries and applications for finance
To assess whether you are eligible and suitable for finance
To introduce you to lenders on our panel, which includes Alphera, Santander, CA Finance, Evolution Funding and a small number of other carefully selected lenders.
To manage our relationship with you, including handling queries and complaints

To meet legal and regulatory obligations

To comply with our obligations under financial services and consumer credit regulations
To carry out identity verification, anti fraud checks and anti money laundering checks
To respond to requests from regulators or law enforcement agencies

For our legitimate interests

To improve our products, services and website
To monitor and analyse website usage and performance
To maintain records, manage risk and prevent fraud
To train staff and improve customer service

Marketing

To send you information about products or services that may be of interest to you where you have consented or where we are otherwise allowed by law to do so. You can opt out of marketing at any time by contacting us.

We will only process your personal data where we have a lawful basis to do so, such as where it is necessary for the performance of a contract, to comply with a legal obligation, for our legitimate interests or where you have given your consent.

4. Credit Reference and Fraud Prevention Agencies

When you apply for finance through Revvy, we will pass your details to one or more credit reference agencies and fraud prevention agencies. Lenders on our panel will also carry out checks.

These checks may include information about your credit history, record of borrowing and repayment, and details of any linked persons. Searches may be recorded on your credit file and may be visible to other lenders.

We use this information to:

Assess your creditworthiness and affordability
Confirm your identity
Prevent fraud and financial crime
Decide which lenders and products may be suitable for you

If you would like more information about how credit reference agencies use your data, you can visit their websites. The agencies commonly used in the UK include TransUnion, Equifax and Experian.

5. Who We Share Your Personal Data With

We may share your personal data with:

Lenders and finance brokers who are part of our panel
Credit reference agencies and fraud prevention agencies
IT and system providers who support our website, customer databases and communication systems
Professional advisers such as auditors, lawyers and compliance consultants
Regulators, law enforcement agencies or courts where we are required to do so
Third parties you authorise us to share your data with

We do not sell your data to third parties. We will not share your personal data with third parties for their own marketing purposes unless you explicitly agree to this.

6. International Transfers

We will normally keep your personal data within the United Kingdom or the European Economic Area. If we need to transfer your personal data outside this area, we will ensure that appropriate safeguards are in place, for example standard contractual clauses or equivalent protections required by data protection law.

7. How Long We Keep Your Personal Data

We retain your personal data for as long as is necessary for the purposes set out in this policy and to meet legal and regulatory requirements.

This usually means that we will keep:

Records relating to applications and finance arrangements for up to six years after our relationship with you ends
Complaint files for at least six years after the complaint is closed
Other records for as long as they are needed for operational or legal reasons

We will delete or anonymise your personal data when it is no longer required.

8. Your Rights

You have several rights in relation to your personal data.

You can:

Request a copy of the personal data we hold about you (a subject access request)
Ask us to correct any inaccurate or incomplete data
Ask us to delete your data in certain circumstances
Ask us to restrict how we use your data in certain circumstances
Object to our use of your data where we are relying on legitimate interests
Object to receiving marketing communications from us
Ask us to transfer your data to another provider where technically feasible

To exercise any of these rights, please contact us using the details in section 1. We may need to verify your identity before we can act on your request. There is usually no fee for making a request, although we may charge a reasonable fee if a request is clearly unfounded or excessive.

If you are unhappy with how we have used your personal data, you can also make a complaint to the Information Commissioners Office (ICO) at www.ico.org.uk.

9. Cookies

Our website uses cookies and similar technologies to improve your browsing experience and to understand how our website is used.

What are cookies

Cookies are small text files that are placed on your device when you visit a website. They help websites remember your device and how you used the site.

Types of cookies we use

Strictly necessary cookies that are required for the site to function
Analytics cookies that help us understand how visitors use the site so we can improve it
Functional cookies that remember your preferences

We do not use cookies to collect information that directly identifies you as an individual, but some cookies may collect information that can be associated with you.

Managing cookies

Most web browsers allow you to control cookies through their settings. You can usually choose to block cookies, delete existing cookies or to receive a warning before cookies are stored.

If you choose to block or delete cookies, some features of our website may not work as intended.

10. Changes to This Policy

We may update this Privacy and Cookies Policy from time to time to reflect changes in the law or in how we operate. Any changes will be posted on this page with an updated revision date.

You should check this page occasionally to ensure that you are aware of the most recent version.

11. Contact Us

If you have any questions about this policy or how we handle your personal data, please contact us at:

Post: Data Protection Officer, JGC Trading Ltd, Hewitts Road, Orpington, Kent, BR6 7QR
Email:enquiries@revvy.co.uk