Privacy Policy

This is the Privacy Policy of Harvey & Thompson Ltd trading as “AvalancheFinance.co.uk”. Avalanche Finance is committed to protecting our customers’ privacy and security. This Privacy Policy explains our information collection and sharing practices. It identifies the sources from which we collect non-public personal information about you, details the measures we take to secure that information, and describes the information about you that we may share with our affiliates and with non-affiliated third parties. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. For the purpose of the Data Protection Act 1998 (the Act), the data controller is Harvey & Thompson Ltd , 12-14 West End, Holbeach, Spalding, Lincolnshire, PE12 7LW.

Information we collect from you

We may collect and process the following information about you:

  • Information collected directly from you through your online application, information collected through on-line forms or entries on our lead providers' websites, or information you provide when you contact our customer services department;
  • Your telephone communications with us and our customer services department which may be monitored and recorded;
  • Information about your transactions including loan balances;
  • Information from outside sources such as credit reference agencies and customer service providers regarding credit worthiness and credit history;
  • Information that is collected when you use the Website that may be used by us to identify you and validate your use of the Website for fraud prevention purposes;
  • Information about your computer including, your IP address, operating system and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form;

Automatic information obtained by using "cookies" when your browser accesses our Website and when you log-in and consent to our use of cookies in our pop up box. If enabled, cookies may store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit this site again, cookies can enable us to customize our content according to your preferences. These cookies do not track individual user information, and all our cookie data is encrypted and cannot be read by other websites. It is possible to 'turn off' the cookies in your browser and this will not affect the functionality of the Website.

 

How we use your personal data

The information we collect about you will be recorded electronically and may be used for a number of purposes:

  • in the normal course of our business such as verifying your identity and credit standing
  • in order to process loan transactions and update your account records
  • to assess your credit history and confirm your employment details
  • to make lending decisions
  • to contact third parties, such as your employer, who you have nominated to verify information about yourself
  • for conducting statistical analysis and to develop and improve our products, to assess lending risks
  • to identify you when you contact us or visit our Website
  • to identify which of our products, or our partners' products, might interest you
  • to prevent and detect fraud, this may involve the use of voice detection technology to analyse recordings of your telephone calls with us
  • to contact you in connection with your enquiry
  • to update our website to better meet our clients’ needs in the future.
  • to ensure that content from our site is presented in the most effective manner for you and for your computer
  • to carry out our obligations arising from any contracts entered into between you and us
  • to allow you to participate in interactive features of our service, when you choose to do so
  • to evaluate the effectiveness of our marketing of the Website, to carry out regulatory checks and for market research
  • to notify you about changes to our service.

Credit reference agencies and Fraud Protection

We may disclose your personal information to credit reference agencies (CRAs) and Fraud Prevention Agencies (FPAs), along with the details of your agreement, payments made and any default or failure to maintain the terms of the agreement. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

 

Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

 

Please contact us at the address below if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. 

 

Use of your information for marketing purposes – your rights

By submitting your application you understand and agree that we may contact you via the phone number or e-mail address you provide to assist you with your loan or to discuss other products and services that Peachy may provide for you.

You have the right to ask us not to process your personal data for marketing purposes.

You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.

Every time we contact you for marketing purposes we will give you the opportunity to opt out of receiving further marketing material. You can also exercise the right to opt out at any time by contacting us at 12-14 West End, Holbeach, Spalding, Lincolnshire, PE12 7LW.or by email: This email address is being protected from spambots. You need JavaScript enabled to view it. .

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

 

Disclosure of your information

We may disclose your personal information to our sub-contractors, agents, service providers, lenders and members of our group of companies in order to provide our services to you. We will ensure that such persons treat your information as confidential and use it only in respect of the provision of services to us and/or on our behalf.

 

We may disclose your personal information to third parties:

in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;

If Harvey & Thompson Ltd or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;

if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use, or terms and conditions and other agreements, or to protect the rights, property, or safety of Harvey & Thompson Ltd, our customers, or others.

If you give us false or inaccurate information and/or we suspect fraud, we may record this on your credit history and may also pass information to appropriate law enforcement or regulatory authorities and/or to any Fraud Prevention Agency (FPA).

 

Cookies

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

A "cookie" is a small electronic file that collects information when someone visits a website. A cookie can identify the pages that are being viewed, and this can assist us to select the pages that the viewer sees. Some cookies only exist whilst viewers are online, but "persistent" cookies - which are not session-based - remain on the viewer's computer, so that he or she can be recognised as a previous visitor when he or she next visits the Website. This allows us to collect information about a viewer's browsing habits whilst on the Website, and this can be useful in assisting us to monitor and improve our services. We do not store sensitive information such as account numbers or passwords in "persistent" cookies, and cookies in themselves, do not contain enough information to identify you.

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 the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.

The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011 requires that cookies can only be placed on a computer where the user has given their express consent. You can choose to accept or decline cookies when you first access our Site. We require you to indicate your choice via an automated "pop-up" box, which explains the cookies we use and what we use them for. If you decline to accept our use of cookies or set your web browser to decline their use, you will have only limited functionality in the use of our Site.


Avalanche Finance Loans Can Provide Cash Same Day

Most of us have at some point been in need of some cash end of the month when pay day is too far away. Even with the best intentions, saving for a rainy day is not as easy as you think, and sometimes you might feel the need to dip into that rainy day fund to treat yourself, or go on a holiday; to live life a little, and it is very quickly depleted. Unfortunately life doesn't always wait for your next pay cheque and at some point you might find yourself in need of some extra cash fast in the form of quick cash, be it to cover expenses for boiler repair, to replace a washing machine, or to fix a part on your car, and you are unable to hold out until pay day. If you don't have sufficient cash to cover additional expenses in a month that you had not budgeted for, but you know that you will be able to get your finances back on track with your next wage payment, then Avalanche Finance can offer the respite you need.

 

Instant cover for emergency expenses

Pay day loans work like a cash advance on your salary, so you can borrow money at the time you need it and then repay it when you can afford to do so. So when you don't have a rainy day fund, or the savings you do have don't quite cover unexpected expenses before pay day, you can get an advance on your salary with a pay day loan. Similarly, you may have savings tied up in a fixed term account or you may not want to withdraw money from your ISA and lose part of your tax free allowance, when you just need a relatively small amount of cash to temporarily cover expenses

 

A Quick Solutions To Those Small For Short Term Finance.

 It must be noted that Payday loans are best suited to one-off rainy days. We at Avalanche Finance strongly recommend that you do not use a pay day loans consistently. If this is your intention, then a pay day loan is not the right product for you; you should instead look for a longer term loan product, or seek advice. If you need a relatively small amount of cash for a relatively short period of time and know you will be able to repay the money once your wages clear, then you've come to the right place. At Avalanche Finance we aim to make today pay day the simple way, with our online application and instant approval decisions.