This site (the "Site") is operated by Erudio Student Loans Limited ("we", "us" or "our"). We are registered in England and Wales under company number 8605918 and have our registered office at c/o Wilmington Trust Sp Services (London) Limited, Third Floor, 1 King's Arms Yard, London EC2R 7AF. We are a limited company.
Other general information we may collect from your site visit
Whenever you browse the site, read pages, or download information, our computers automatically record certain information about your visit from the device you use to access the site.
This information does not itself identify you personally. However, if you have logged into an account on the site at the time that we record this information, we will be able to match these details back to you.
The information includes the following:
When corresponding with you via HTML capable e-mail, we may use 'format sensing' technology, which allows us to determine whether you received and opened our e-mail. This may involve the collection of certain information such as the IP address of the computer that downloaded the email; the time the email was viewed; the type of browser that opened the email; and the identification number of any cookie on the device previously placed by us (see our Cookies Policy, for further details).
Personal information we may collect from you
You must ensure that any personal information you provide is true, accurate and complete. It is also your responsibility to let us know about any changes to your personal information so that we can ensure our records are complete and up-to-date.
When providing you with services through the site or dealing with requests or instructions given by you through the site (including requests or instructions relating to loans), we may also need to obtain information about you from credit reference agencies or other sources of information. You authorise us to do this to the extent that we reasonably need to do so to provide these services or deal with your request or instructions.
Using your information
The information you give to us or which we obtain relating to you and your loans through the site will be used for the following purposes:
We may also use information about your use of the site (for example areas that are used particularly frequently) to analyse and improve the site and the services provided through it.
In certain circumstances, the law permits us to use this information for other purposes, such as for the prevention or detection of crime and we may, therefore, use this information for these purposes as well as the purposes set out above.
From time to time we may ask you if we can use certain of your information for other purposes. If you agree to this then we may process that information for those additional purposes. However, we will not use or disclose the information that you give to us through this site or which we obtain through the site relating to you and/or your loans for marketing purposes.
We may need to process sensitive data about you such as information about your racial or ethnic origin, data about your health and/or your criminal record. This will be processed in accordance with the Data Protection Act 1998 and you give your explicit consent for us to process this information for the purposes described above.
We will retain your information only for as long as is reasonably required for the purposes described above and it will then be securely destroyed.
Storing your personal data & data security
The data we collect from you may be transferred to and stored in other countries within the European Economic Area ("EEA"). It may also be processed by staff operating inside the EEA who work for us or for one of our suppliers. By submitting your personal data, you agree to this transfer, storing or processing.
The transmission of information via the internet is not completely secure and while we take reasonable steps to maintain the security of information whilst it is being transmitted to us, we cannot absolutely guarantee the security of data sent to us electronically. If you do transmit data to us via the internet you should take reasonable steps to do so securely (including maintaining and regularly changing secure passwords, keeping passwords and other log-in information confidential and not transmitting sensitive data from publicly accessible computers or via unsecured networks such as open wi-fi connections). We will not be liable for any loss of or interception of your information, unless this results from our failure to use reasonable steps to keep it secure.
Disclosing your information
We may disclose your information where we reasonably consider that disclosure is required or permitted by law (for example to government bodies or law enforcement agencies).
We use third party contractors to host the site, to provide the systems used to process the information held about you and your loan(s) and to perform our other rights and obligations in relation to your loans (including debt collection agencies and legal advisors appointed to advise in relation to loans or to assist in the collection of any debts). We may therefore disclose your information to these contractors for these purposes. We will ensure that where we do this we only use reputable contractors and that appropriate contracts are put in place and maintained with these contractors for the protection of your information.
We may also disclose your personal information to the following third parties in the following circumstances:
Third party links
You may find links to third party websites on our website. These websites should have their own Privacy Policies which you should check. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them.
Your Data Protection rights
You have certain rights relating to the processing of your data under the Data Protection Act 1998. This includes the right to inspect your personal data on request (there is a £10 charge for this). For the purpose of the Data Protection Act 1998, the data controller is Erudio Student Loans Ltd, PO Box 1055, Cornwall House Albany Park, Camberley GU15 9PA. You also have the right to:
Further information about your rights can be found at www.ico.org.uk
Information Commissioner's office
The office of the Information Commissioner is the government appointed office with responsibility for data protection. They can assist with any complaints or questions you may have. They can be contacted on 01625 545745 or at www.ico.org.uk