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Privacy Notice

Privacy Notice

"We", "our" or "us" means Novitas Loans Limited at Wimbledon Bridge House, 1 Hartfield Road, London, SW19 3RU and its subsidiaries, affiliates and their respective parent and subsidiary companies (“Close Brothers Group”). For the purposes of data protection law, we are a data controller in respect of your personal data. We collect and use your personal data and where applicable this may include information related to your spouse/partner, directors, partners and owners (your “representatives”). Close Brothers is responsible for ensuring that it uses your personal data in compliance with data protection law.

If you have any questions about this notice, about how we process personal data or about your rights over your personal data, our Data Protection Officer can be contacted at or DPO, Close Brothers, 10 Crown Place, London EC2A 4FT. 

This notice applies to any personal data we receive from you, create or obtain from other sources and explains how it will be used by us. It is important that you take the time to read this notice so that you understand how we will use your personal data and your rights in relation to your personal data.

Personal data that we collect about you

We will collect and use the following personal data about you and your representatives:

Information you give us.

Information we collect or generate about you and your representatives

Use of Cookies

For full details on what cookies are, what they do, and which cookies are used by us, please see our Cookies Policy:

To enable you to sign in and personalise your online experience we use “cookies”. A cookie is a small text file that is placed on your hard disk by a web page server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies cannot be used to run programs or deliver viruses to your computer. We use cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalised content and appropriate advertising on your later visits to our website.

Information we receive from other sources

How we use your personal data

Your personal data may be used by us in the following ways:

  1. to verify your identity as part of the account opening process for new customers;
  2. for making a credit check on you. We may carry out a search with a credit reference agency who will keep a record of our enquiry against your name and which may be linked to your representatives (“associated records”). For the purposes of any application for products or services from us, you may be assessed with reference to “associated records”. Where any search or application is completed or agreement entered into involving joint parties, we may record details at credit reference agencies, as a result an “association” will be created that will link your financial records. Details of which credit reference agency we have used are available on request. We may also add to your or, if applicable, your business’s, record with the credit reference agencies details of your agreement with us, any payments you make under it and any default or failure to keep to its terms. These records will remain on the credit reference agencies’ files for 6 years after our agreement with you is settled or terminated whether settled by you or, if applicable, your business or by way of default. These credit reference agencies may create, or add to, their own record about you, or, if applicable, your business, details of our search and your application. This and other information about you or, if applicable, your business and those with whom you are linked financially may be used to make credit decisions about you or your business;
  3. You can find further information about how credit reference agencies (Experian) may process your personal data at or you can contact us to obtain a paper copy of this information;
  4. we may use credit scoring techniques and automated decision making systems to either fully or partially assess your information. These credit scoring techniques and automated decision making systems may take into account any previous applications for finance, defaults or existing debt. The results of this decision may decide whether we provide you with our services or not. If you disagree with the results of an automated decision, you can request a review of your application;
  5. to allow us to detect and prevent fraudulent activity including sharing personal data with fraud prevention agencies; and
  6. to allow us to detect and prevent money laundering activity or terrorist financing.
  1. to provide you with information, products or services that you may request from us;
  2. to carry out our obligations arising from any agreements you enter into with us;
  3. to make payments;
  4. to recover monies;
  5. where we are permitted to do so, to send promotional information about our products and services via methods such as e-mail, post, telephone, etc.; and
  6. to contact you via post, e-mail or telephone in relation to the administration of your account or to carry out quality control research.


  1. as part of our legal and regulatory obligations, to conduct statistical analysis in order to improve our credit risk profile, tackle fraud, and improve our credit decisions. This may include statistical analysis on your personal data even if your application is declined by us or you decide not to complete your application with us; and
  2. in order to identify and offer you tailored products and services that are suitable for you and improve our service.

Legal basis for processing your personal data

We process your personal data pursuant to the following legal bases:

  1. enforcing the terms and conditions of any agreement we have with you;
  2. the recovery of outstanding debts existing under an agreement with you;
  3. for statistical analysis to improve our products and services; or
  4. to contact you about products and services that may be of interest to you. You may object to this at any time by contacting us at or by calling +44 (0)333 321 6070 or by mail addressed to Novitas Loans Limited, Wimbledon Bridge House, 1 Hartfield Road, London, SW19 3RU.

Sharing your personal data

We may disclose your personal data within the Close Brothers Group and to third party service providers in the circumstances described below:

We will take steps to ensure that the personal data is accessed only by personnel that have a need to do so for the purposes described in this notice.

We may also share your personal data outside of the Close Brothers Group:

These third parties will be subject to confidentiality requirements and they will only use your personal data as described in this privacy notice.

We may also share your personal data outside of the Close Brothers Group to the extent required by law, for example if we are under a duty to disclose your personal data in order to comply with any legal obligation including but not limited to disclosures made to Credit agencies and Companies House; and to establish, exercise or defend our legal rights.

Transfer of personal data outside the European Economic Area

The information you provide to us will be transferred to and stored on our secure servers in the European Economic Area (“EEA”). However, from time to time, your personal data may be transferred to, stored in, or accessed from a destination outside the EEA. It may also be processed by staff operating outside of the EEA who work for a company in the Close Brothers Group or for one of our suppliers.

Where we transfer your personal data outside the EEA, we will ensure that it is protected in a manner that is consistent with how your personal data will be protected by us in the EEA. This can be done in a number of ways, for instance:

In other circumstances the law may permit us to otherwise transfer your personal data outside the EEA. In all cases, however, we will ensure that any transfer of your personal data is compliant with data protection law.

You can obtain more details of the protection given to your personal data when it is transferred outside the EEA (including a copy of the standard data protection clauses which we have entered into with recipients of your personal data) by contacting us in accordance with the “Contact us” section below.


How long we keep your personal data

How long we hold your personal data for will vary. The retention period will be determined by various criteria including:

If you are a customer we will retain your personal data for 7 years following the end of our relationship with you, unless we are required by law to keep it for a longer period of time (in which case, we will keep it until the expiry of the period required by law).

Your rights

You have a number of rights in relation to the personal data that we hold about you. These rights include:

You can exercise your rights by contacting us using the details set out in the “Contacting us” section below.

You can find out more information about your rights by contacting the data protection regulator, the Information Commissioner, or by searching their website at

Changes to our privacy policy

We keep our privacy policy under regular review. Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Contact us

We are registered in the UK and our registered address is at:

Novitas Loans Limited
Wimbledon Bridge House,
1 Hartfield Road,
SW19 3RU
and our company registration number is 07959031.

Please contact us if you have any questions about our privacy policy or personal data we hold about you:

Write to us at our address:
Novitas Loans Limited
Wimbledon Bridge House,
1 Hartfield Road,
SW19 3RU

By telephone: +44 (0)333 321 6070  or
By e-mail:

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