Terms, Conditions and Declaration and Consent from Applicant/s and/or Guarantor

You agree that these terms will apply to your application for finance from Lively Day Loan (“Lending Circle”). Lending Circle is collecting personal information about you in your online application for finance. The information is being collected for the purposes set out in clause 4 below and will be held by Lending Circle at its head office 21 Leamington Crescent, Harrow, England, HA2 9HH.

If you do not provide all or any part of the information requested on the application form your application for finance may be declined.
The information is being collected for all or any of the following purposes: To decide whether or not to grant a loan, Administering the loan, Enforcing payment and other legal obligations owed by me to Lending Circle, Advising you of other products and services offered by Lending Circle and its associated and related companies, successors and assigns.

The intended recipients of the information are Lending Circle, other providers of credit, credit reporting agencies, debt collection agencies (e.g. Equifax, TransUnion, Experian, Centrix), research firms and direct marketing firms engaged by Lending Circle from time to time.
You authorise the collection and release at any time of any information necessary for or relevant to the purposes set out in clause 4 above (including a credit or fraud check) from and to any person deemed necessary by Lending Circle.

You are entitled to request access to, and (if required) correction of, any personal information held about you by Lending Circle. You acknowledge and agree that Lending Circle may supply information to and receive information from your family or other members of your household in connection with the purposes set out in clause 4 above. This will typically be the case if Lending Circle is unable to contact you for any reason.

You consent to receiving emails or other electronic communications from Lending Circle (or its research and marketing agencies) regarding other products and services offered by it and acknowledge that this information may be sent whether or not you have a current loan with Lending Circle.

You acknowledge that any communications to or from Lending Circle may be recorded for security and staff training purposes. Without limiting clause 6 above, you hereby authorise Lending Circle to access your personal information from any data processing agencies which may include Property Register, Transport Registry, Vehicle Ownership Register, Drivers Licence Database, Ministries of Justice and other government agencies.

You understand that you can access your personal credit information from Equifax, TransUnion, Experian and that if it is incorrect, request that it be corrected. You authorise any credit reporting agency to whom we provide information about you to list that information in its systems and use it to provide credit reporting services to its own customers. Lending Circle Ltd can now collect and provide comprehensive credit information to credit reporters, including information about customer’s repayment history. You also authorise Lending Circle to regularly monitor your credit record at any credit reporting agency. You acknowledge that provision of your driver licence number (or any other identification numbers) to Lending Circle is voluntary and that you consent to Lending Circle disclosing your driver’s licence number (or any other identification numbers) to Equifax, TransUnion, Experian and other third parties in order to process your credit application.

You warrant and undertake as follows:

The information given in your loan application is correct to the best of your knowledge and belief and that no information has been withheld that might affect Lending Circle’s decision on your loan application. you are not known by any name other than that contained in your loan application and that there are no official documents elsewhere or any other country which record any other name or form of name or date of birth for you. you own the goods listed in your loan application including without limitation all goods offered as security for your loan and that no money is owed to any third party in respect of such goods and that all such goods are free of any security interest, charge or other encumbrance (except as disclosed to and agreed by Lending Circle).

you are over the age of 18 years You authorise Lending Circle to have its financial interest noted on your insurance policies for any collateral granted as security on any loan with Lending Circle Ltd.

Financial Risk Disclaimer The information contained in this website was prepared by Lending Circle Ltd. The opinions expressed in the document and the pages on this site are those of Lively Day Loan. While every care has been taken to supply accurate information, errors and omissions may occur. Accordingly, neither Lively Day Loan nor any of its directors, staff, advisers and product providers accepts any responsibility or liability for any loss caused as a result of any person relying on the information supplied.

Disclosure of loan refinance and renewal policy To be eligible for a loan refinance or loan renewal you will need to:

Fully repay any prior loans or Have a good repayment history on your existing loan. The loan application and amount approved will be subject to our discretion and we may request further information to process your application such as bank statements, proof of income or proof of residence. Annual interest rates The annual interest rate ranges from 5% to 23.95%.

The interest rate is based on the profile of the borrower(s) and the collateral offered for the loan.
Default fees and charges You should contact us immediately on +44 if you are unable to make your regular payment on the loan. We are often happy to modify your payments where possible – just talk to us. It really helps us if you are proactive when experiencing problems. If you have not contacted us and we need to contact you regarding a late payment or dishonoured payment we can charge you £11 for contacting you by telephone, text message or email.

We charge a default fee of £2 per day that you are in arrears. A grace period of 5 days is provided to get the defaulted payment cleared up. If the defaulted payment is not paid within the 5 days then the default fee is applied from the date of default. Default interest is charged on the amount of the defaulted payment at the rate specified in your loan contract (the standard default rate is 10% per annum).If we need to send you any letters due to broken promises or we have not been able to contact you via telephone, text message or email, the standard fee of £13 per letter will apply. Privacy Statement – Introduction Lively Day Loan is committed to protecting your privacy. We understand you care how information about you is used and shared and we want you to feel comfortable and confident when using our Web site. This notice describes our privacy policy. By visiting www.livelydayloan.com, you are accepting the practices described in this Privacy Notice. Collecting your personal information Using your personal information Sharing your personal information Accessing your personal information Security of your personal information Communication Preferences Use of cookies Display of Advertising & Marketing Linking to 3rd Party Websites Controlling Unsolicited Email (Spam) Changes in Privacy Policy Contacting Us Collecting your personal information The information we collect from customers and website visitors helps us to personalise and continually improve your experience at www.livelydayloan.com. We may collect personal information from you when you request more information, place a general enquiry via our website, subscribe to our newsletters, choose to take advantage of one of our special offers or apply for a loan.

The information is being collected for all or any of the following purposes: To decide whether or not to grant a loan Administering the loan Enforcing payment and other legal obligations owed by me to Lending Circle Ltd Advising you of other products and services offered by Lively Day Loan and its associated and related companies, successors and assigns (“Lending Circle”) To take up one of our special offers You have the option to receive our newsletter and other communications but can opt-out of receiving these communications from us. We may collect information about your interaction with our site and services.

For example, we use Google Analytics to analyse the use of this website and to retrieve information from your browser including the name of the domain and host from which you access the Internet; the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you accessed our site; and any search engine, inbound hyperlink and keywords used to reach or find our site and the pages you view within our site. We also use technologies, such as cookies to collect information about the pages you view, the links you click and other actions you take on our sites and services. Accepting a cookie will not give us access to any data on your computer other than the data stored in the cookie.

You may configure your web browser to not accept cookies. Use of cookies Our website may use “cookies,” which are small data files that are stored on your computer when you visit a website. Cookies enable you to browse on our website and may be used in a variety of ways to enhance or personalise your online browsing and booking experience. Cookies may be used to personalise your visits to this website, eliminate the need for you to repeatedly enter the same information, enable us to improve the content, reliability and functionality of this website, evaluate the effectiveness of the advertising on this website and track website usage patterns.

Accepting a cookie will not give us access to any data on your computer other than the data stored in the cookie. You may configure your web browser to not accept cookies. Changes in privacy policy We reserve the right to change this privacy policy from time to time by publishing the revised privacy policy on our website. We encourage you to check this policy regularly for any modifications or updates. Your continued use of our services after any changes have been posted on our website indicates your acceptance of those changes. Controlling unsolicited email (spam) Lending Circle is concerned about controlling unsolicited commercial email, or “spam.” We will not sell, lease or rent our email customer lists to third parties. While we continue to actively review and implement new technology, there is no currently available technology that will totally prevent the sending and receiving of unsolicited email. Using junk email tools and being cautious about the sharing of your email address while online will help reduce the amount of unsolicited email you receive.

Linking to 3rd party websites When you click on links and banners on our site that take you to third party web sites, you will be subject to the third party’s privacy policies. While we support the protection of privacy on the Internet, we cannot be responsible for the actions of any third party web sites. Display of advertising & marketing From time to time we may display ads on our site and the sites of our advertising partners. When we display online advertisements to you, we may place a persistent cookie on your computer in order to recognise your computer each time we display an ad to you. This enables us to compile information over time about where you, or others who are using your computer, saw and/or clicked on the advertisements we display. We use this information to make predictions about your characteristics, interests or preferences and to display targeted advertisements that we believe may be of interest to you.

Contacting us Lending Circle welcomes your comments regarding this privacy statement. If you have any questions regarding our privacy policy or any other matter, please contact us via phone, via email or by visiting our site; www.livelydayloan.com Communication preferences You can stop the delivery of future promotional email from Lending Circle by following the specific instructions in the email you receive. You can subscribe or unsubscribe to newsletters and other forms of communications including special draws, surveys, contests and service related announcements by following the instructions in the communications you receive or contacting Lending Circle directly.

These choices do not apply to the receipt of mandatory service communications that are considered part of Lending Circle services. Security of your personal information We take website security extremely seriously, and always endeavour to provide a secure safe platform on which to conduct online applications and transactions. Accessing your personal information You are entitled to request access to, and (if required) correction of, any personal information held about you by Lending Circle. Sharing your personal information Except as described in this statement, we will not disclose your personal information outside of Lending Circle or to any third parties without your consent.

Otherwise, we will only release account and other personal information when we believe release is appropriate to comply with law, facilitate court proceedings, enforce or apply our terms and conditions; or protect the rights, property, or safety of Lending Circle, our users or others. We may use your collected information to:

Process your application Verify your identity Communicate with you and to send you information by email, postal mail or other means about our products, services and promotions, where you agree to receive such information Help us learn more about your browsing preferences and personalise this website in accordance with your preferences Analyse trends and statistics. This information is only used for statistical purposes and to help us enhance the customer experience.

We use Google Analytics which generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated is used to create reports about the use of the website. Google will store this information. Google’s privacy policy is available at www.google.com/privacypolicy.html Improve or update this website and our products / services Protect the security or integrity of our website and our business Respond to your enquiries and communicate with you if necessary Using your personal information We do not sell, rent or lease your personal information to third parties.

You can browse www.livelydayloan.com without telling us who you are or revealing any personal information about yourself. It is always your choice whether to receive marketing and promotional information from us or not. It is our policy to make any member inactive from our database or mailing list upon the members’ request. Please contact us if you wish to opt out of receiving communications from Lending Circle.

Disclosure Statement
Name of financial adviser: Lively Day Loan
Address: 21 Leamington Crescent, Harrow, England, HA2 9HH
Trading name: Lending Circle
Telephone number: +44
This disclosure statement was prepared on: 13 April 2018
Declaration
I, Lending Circle Ltd with Company number 11205383, Incorporated on the 14 February 2018 declare that, to the best of my knowledge and belief, the information contained in this disclosure statement is true and complete and complies with the disclosure requirements in the Financial Advisers Act and the Financial Advisers (Disclosure) Regulations.