Privacy Policy

Arkle Finance Privacy Policy
Use of Personal Data

This document sets out the basis for our handling and processing of Personal Data.

Personal Data means any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier.

How we use your information

In order to process your application we need to perform credit and identity checks on you with one or more credit reference agencies (“CRAs.”) To do this, we will supply your personal information to CRAs and they will give us information in return about you, your financial situation and financial history. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. CRAs will supply to us both public (including electoral register) and shared credit, financial situation and financial history information as well as fraud prevention information.

We will use this information to:

  • Assess your creditworthiness and whether you can afford a product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, fraud and money laundering;
  • Manage your account(s);
  • Trace and recover debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

If you make joint application we will link your records together, so you should make sure you discuss this with your partner/spouse/financial associate and share this information with them before lodging the application. CRAs will also link your records together and these links will remain on your file and theirs until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about any settled accounts. If you borrow and do not repay in full or on time CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs. We will retain information on our files for a period of six years after your relationship with us comes to an end.

Identities of the CRAs, their role as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with them are explained in a Credit Reference Agency Information Notice (“CRAIN”) more detail of which can be found at www.equifax.co.uk/crain. CRAIN is accessible from each of the three CRAs – Equifax, Experian and Callcredit.

We will not disclose any personal information to any company outside the Weatherbys Group, which includes Arkle Finance Limited and Weatherbys Bank Limited, except to introducers with whom we share data, CRAs as indicated above and to help prevent fraud, service providers like law firms and asset managers who may help us administer and fulfil our contract(s) with you, or if we are required to do so by law.

You can find a full copy of the Privacy Policy of our parent company at www.weatherbys.bank/privacy-policy.

 

Cookies

We may use information about your general internet usage by using a cookie file which is stored on the hard drive of your computer or device. Cookies contain information that is transferred to your computer or device’s hard drive. They help us to improve our site and to deliver a better and more personalised service. They enable us:

  • To estimate our audience size and usage pattern
  • To store information about your preferences, and so allow us to customise our site according to your individual interests
  • To speed up your searches
  • For security
  • To recognise you when you return to our site

Additionally, data from Google’s systems is used for online advertising purposes.  This is anonymised data on user location, search history, YouTube history and data from Google Partner sites provided by Google.  Ads Personalisation is enabled by default in Google accounts, and you can opt-out at any time.  You can also access and/or delete your data by visiting your Google account at My Activity. To learn more about Google uses this information, visit this link.

As well as Google, any data provided to Microsoft is used similarly for online advertising purposes.  You can switch off personalised ad tracking on Microsoft Bing by selecting ‘settings’ and ‘personalisation’ from the bing.com homepage.

You may refuse to accept cookies by activating the setting on your browser, which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.

Performance Cookies

Cookie Key Domain Path Cookie Type Expiration Description
__insp_pad .arklefinance.co.uk / First-Party 1 Year This cookie contains the page number of the session recording.
_gid .arklefinance.co.uk / First-Party 1 Day This cookie is set by Google Analytics. It stores and update a unique value for each page visited and is used to count and track pageviews.
__insp_targlpu .arklefinance.co.uk / First-Party 1 Year This cookie is set by Inspectlet to store information regarding mouse position, clicks, scrolls, and highlighted elements and text.
__insp_slim .arklefinance.co.uk / First-Party 1 Year This cookie is set by Inspectlet to store information regarding mouse position, clicks, scrolls, and highlighted elements and text.
__insp_sid .arklefinance.co.uk / First-Party 1 Year This cookie contains the ID of the Inspectlet session that is being recorded.
_gat .arklefinance.co.uk / First-Party 1 Minute This cookie name is associated with Google Universal Analytics, according to documentation it is used to throttle the request rate - limiting the collection of data on high traffic sites.
_ga .arklefinance.co.uk / First-Party 1 Year 1 Month This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports.
__insp_nv .arklefinance.co.uk / First-Party 1 Year This cookie is set by Inspectlet and is used to record website and server performance with each visit to the site. The data is aggregated and analysed; therefore, it remains anonymous upon use.
__insp_targlpt .arklefinance.co.uk / First-Party 1 Year This cookie is set by Inspectlet to store information regarding mouse position, clicks, scrolls, and highlighted elements and text.
_ga_V0JN5S6BZQ .arklefinance.co.uk / First-Party 1 Year 1 Month This cookie is used by Google Analytics to persist session state.
__insp_wid .arklefinance.co.uk / First-Party 1 Year This cookie is set by Inspectlet and is used to record website and server performance with each visit to the site. The data is aggregated and analysed; therefore, it remains anonymous upon use.

Targeting Cookies

Cookie Key Domain Path Cookie Type Expiration Description
_uetsid .arklefinance.co.uk / First-Party 1 Day This cookie is used by Bing to determine what ads should be shown that may be relevant to the end user perusing the site.
_uetvid .arklefinance.co.uk / First-Party 1 Year This is a cookie utilised by Microsoft Bing Ads and is a tracking cookie. It allows us to engage with a user that has previously visited our website.
_gcl_au .arklefinance.co.uk / First-Party 3 Months Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.
MUID bing.com / Third-Party 1 Year This cookie is widely used by Microsoft as a unique user identifier. It can be set by embedded Microsoft scripts. Widely believed to sync across many different Microsoft domains, allowing user tracking.

Functionality Cookies

Cookie Key Domain Path Cookie Type Expiration Description
__insp_uid .arklefinance.co.uk / First-Party 1 Year This cookie is used to enable user to share pages through third party social networking websites.
has_js www.arklefinance.co.uk / First-Party Session Most commonly associated with the Drupal content management system. Drupal uses this cookie to indicate whether or not the visitors browser has JavaScript enabled.

Unclassified Cookies

Cookie Key Domain Path Cookie Type Expiration Description
_PCCID purechat.com / Third-Party 1 Year 1 Month This cookie is used as part of the website's Pure Chat live chat functionality.
_PCCSID_216205 purechat.com / Third-Party 20 Minutes This cookie is used as part of the website's Pure Chat live chat functionality.