Privacy Notice

Privacy Policy

Mobilequid (Hereinafter referred to as "Mobilequid.com", "us", or "we"), is the trading name of FJM (NW) Limited. FJM (NW) Limited is registered with the address: 8 St. John Street, Chester, Cheshire, CH1 1DA. FJM (NW) Limited is authorised and regulated by the Financial Conduct Authority (FCA) under Interim Permission Number 656675 to conduct Credit Brokerage activities. Mobilequid is registered with the Information Commissioner Office (ICO) as a data controller under The Information Commission under the Data Protection Act 1998 under Licence number Z2674527.

Mobilequid operates under the best practices of both the FCA and ICO as well as accepted industry best practices and your privacy is very important to us.

Mobilequid.com (hereinafter referred to as "Mobilequid.com", "us", or "we"), has created this Privacy Policy in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. This policy may change from time to time and Mobilequid.com reserves the right to change or modify this policy at any time with or without notice. If you have any questions about this policy, please feel free to contact team@mobilequid.com.

By registering and using this Site, you signify your acceptance of this Policy. If you do not agree to the terms of this Policy, in whole or part, you should not use this Site.

Registration:

Mobilequid.com only collects personally identifiable customer information that is volunteered during the registration process or in response to specific information requests. Examples of personal information collected are first and last name, address, email address, and telephone number. Anybody completing and submitting any of the forms (including our newsletter) on the Mobilequid.com domain is considered a "registrant." In addition, Mobilequid.com may collect non-personally identifiable information which is anonymous information that cannot be associated with a specific individual. Your IP address and other non-personally identifiable information is collected through the use of electronic "cookies".

When you register with Mobilequid.com you automatically consent to registration in all the other online properties in the Mobilequid.com network (collectively, the "Network Sites"). Accordingly, Mobilequid.com may share customer information with the Network Sites.

By providing customer information and other information to this Site, registrant fully understand and unambiguously consent to the collection and processing of such information in, and the transfer of such information to Network Sites, the United States and other countries or territories, in accordance with the terms of this Policy.

Use and Sharing of customer information:

If you have given your consent, Mobilequid.com may contact you about offers we think you might like via SMS, mail, email, telephone and automated message. Only where you have given consent, Mobilequid.com may also pass your information to selected third party partners who could contact you via SMS, mail, email, telephone and automated message with marketing offers relating to products they think you may be interested in. Third parties include but are not limited to credit brokers and lenders that are FCA licensed consumer lenders or credit brokers. If you do not want your information to be used in this way, please do not tick the opt in consent box at the end of the application. Alternatively, if you initially opted in to receive marketing from us or third parties but would now like to opt-out, please CLICK HERE.

Mobilequid.com reserves the right to use registrant customer information: (1) for the specific purpose for which such information was provided (including matching registrants with a cash advance loan company or companies); please be aware that in the process of matching registrants with a lender or service provider we provide registrant customer information to those companies. In addition, in order to determine whether your registration information meets their lending criteria they may access your credit report or credit information through a credit bureau or similar service which may result in one or more inquiries on your credit report. (2) as disclosed at the time such information is provided; and (3) as disclosed in this Policy. However, please note that Mobilequid.com may change this Policy at any time and therefore Mobilequid.com may in the future use registrant customer information for additional purposes not currently included in this Policy.

We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

Additionally, Mobilequid.com may share Registrant customer information in aggregate, non-personal form, with select companies that wish to reach a particular target audience. This information will allow these entities to provide relevant offers to specific registrants.

Finally, Mobilequid.com may disclose registrant customer information in order to: (1) comply with applicable laws; (2) respond to governmental inquiries; (3) comply with valid legal process; and (4) protect the rights or property of Mobilequid.com, the Network Sites or other registrants of this Site.

Fraud Prevention and Credit Referencing Agencies:

Upon application, one or more of our panel of lenders may use both fraud prevention agencies and credit referencing agencies to help us make relevant decisions.

Further information on fraud prevention agencies can be obtained from the Mobilequid's Compliance Manager.

If you do choose to contact the CRA, please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs.

To help you with this, we have provided below contact details for the CRAs:

Equifax Plc, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US, Tel number 0870 010 0583, www.equifax.co.uk Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF, 0844 4818000, www.experian.co.uk

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, 0870 060141. www.callcredit.co.uk

Our lenders will make the following checks about yourself and others:

  1. Credit Reference Agencies (CRAs): when this type of check is made a footprint will appear on your credit file, this can be seen by other lenders. CRAs will provide us with shared credit information, fraud prevention information and public information, this information will include the electoral register.
  2. Fraud Prevention Agencies (FPAs): When lenders assess your application they may also check customer identities in order to prevent fraud and crime against customers, this also includes Anti - Money Laundering Checks. Mobilequid does not perform any credit reference checks on its customers and therefore do not leave any footprint on the customer's file.

Cookies

I. Usage

Mobilequid uses cookies and cookies may also be used by our partners to understand marketing and traffic patterns. Cookies are a good way of helping us by being used as a measuring tool to assess our visitors and their own profiles, this will then enable us to offer our customers a better service.

Although we use cookies as above we would not store anything that would make the customer identifiable i.e. passwords or locations, activity relating to finances and also their preferences.

We also use customer information in order assist us to see how effective our website is and also to highlight any improvements we may need to make. This information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make customers identifiable.

II. Most web browsers will automatically accept cookies however normally you can change your browser settings which will prevent automatic acceptance. II. How to find & control your cookies, see as follows:

  1. Internet Explorer 6.0 or 7.0
  • Choose tools
  • Internet Options
  • Click the privacy tab
  • Click on the 'Advanced' button
  • Check the 'Override automatic cookie handing' box and select Accept, Block or Prompt for action appropriate.
  • Mozilla Firefox
    • Choose tools
    • Options
    • Privacy
    • Cookies
    • Set your options as require
  • Safari
    • Choose Safari
    • Preferences
    • Security
    • Select options by accept Cookies as required
  • Opera 8+
    • Choose Tools
    • Preferences
    • Advanced
    • Select Cookies
    • Select your settings using the available options

    III. How do you know which of the sites you've visited use cookies, see as follows:

    1. Internet Explorer
    • Choose tools
    • Internet Options
    • Click the General tab
    • Click Settings
    • View Files
  • Mozilla Firefox
    • Choose tools
    • Options
    • Privacy
    • Cookies
    • Click the Show Cookies button
  • Safari
    • Choose Safari
    • Preferences
    • Security
    • Click Show Cookies button
  • Opera 8+
    • Choose tools
    • Advanced
    • Click Cookies

    IV. How to see your cookie code, simply click on a cookie to open and view it. There will be displayed a string of numbers and text. The numbers will represent your identification card, be assured that this can only be seen by the server that allocated you the cookie.

    V. Additional cookies information - The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.

    Do Not Call Registry Compliance:

    By submitting personal contact and/or financial information through (Mobilequid.com domain), the user hereby grants written permission to Mobilequid.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at Mobilequid.com you are consenting to receive phone calls from Mobilequid.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.

    CHILDREN'S PRIVACY AND SPAM

    Mobilequid.com, LLC is very sensitive to the issue of children's privacy and makes every effort to protect the privacy of children using the Internet. Mobilequid.com's Web site, products, and services are not developed for or directed at children. Children (persons under the age of 18) are not eligible to do business with us and we do not collect personal information from any person we actually know is under the age of 18. If you believe your child has provided Mobilequid.com with any personally identifiable data by registering at a Mobilequid.com Web site, please contact us at team@mobilequid.com.

    Mobilequid.com is committed to proper Internet practices and full compliance with the CAN-SPAM Act of 2003 (15 U.S.C. § 7701). It is our policy to prohibit the sending of unsolicited or "Spam" e-mail by Mobilequid.com or any of its marketing partners.

    DATA PROCESSING/SAFE HARBOR

    The European Union ("EU") maintains strict privacy laws. These rules differ significantly from US laws. To reconcile these differences, Mobilequid.com adheres to privacy operational procedures mutually acceptable in both jurisdictions.

    By providing information to Mobilequid.com sites, you acknowledge that they operate in the United States and agree to (i) permit Mobilequid.com to transmit and use your User information anywhere necessary, including across international boundaries, to affect the services and transactions provided by this Site; and (ii) that such use by Mobilequid.com shall be subject to the terms and conditions stated in this Privacy Statement and our Terms of Use.

    Third Party Offers:

    By registering at Mobilequid.com you may receive follow-up contacts/offers from third party companies. We cannot be responsible for the services or representations of third party advertisers.

    Links to Other Sites:

    Mobilequid.com contains links to other sites. We are not responsible for the privacy practices or the content of such web sites.

    Security, Fraud, and Abuse:

    This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. All information is stored in a technically and physically secure environment. Information is not accessible to the public. Mobilequid.com regularly reviews these measures to better protect you. Although we take every precaution to protect your data, no data transmission over the Internet can be guaranteed 100% secure.

    Opting-Out of Further Communications:

    Mobilequid.com registrants may opt-out of receiving further communications from Mobilequid.com. Registrants may, at any time, choose not to receive promotional emails from Mobilequid.com or the Network (1) following the "unsubscribe" instructions in any Mobilequid.com e-mail received by registrant, or (2) writing to Mobilequid.com Web site, please contact us at team@mobilequid.com.

    Note that unsubscribing from one email list does not automatically unsubscribe you from any other email list that you may be on. Please read the email carefully to find out which list you are unsubscribing from.

    Transfer In Certain Circumstances:

    In its sole discretion, Mobilequid.com may transfer, sell or assign information collected on and through this Site, including without limitation, customer information and other registrant-provided information, to one or more third parties, as a result of the sale, merger, consolidation, change in control, transfer of substantial assets, reorganization or liquidation of Mobilequid.com and/or Network Sites.

    Change in Policy:

    Mobilequid.com may, from time to time, amend this Policy, in whole or part, in its sole discretion. Depending on the nature of the change, Mobilequid.com will either announce the change (1) on the privacy policy page of the site, or (2) provide such notice via e-mail to registrants. By not unsubscribing, following the announcement of any changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, you must terminate your registration by unsubscribing at team@Mobilequid.com.

    I find MobileQuid convenient and easy to deal with...- Debbie from London - Read more
    Signed up with my mobile and took £100 out of the wall shortly after...- Mark from Gosport - Read more

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

    MobileQuid is not a lender but is a licensed credit brokerage business.