Privacy Policy
Effective Date: 1st January, 2026
Last updated: 1st January, 2026
1. Who We Are - This Privacy Policy explains how we collect, use, share, and protect your personal data. We operate as a financial services introducer company under the trading name Apply4Loan.co.uk, part of Ruby Holdings Limited and may operate additional branded websites.
Data Controller:
Ruby Holdings Ltd
Suite 3, 2nd Floor, Didsbury House
748 – 754 Wilmslow Road
Manchester
M20 2DW
Email: hello@apply4loan.co.uk
2. What Personal Data We Collect - We may collect the following types of data when you use our website:
Contact details: name, phone number, email address, postcode
Demographic details: date of birth, marital status, employment status
Financial information: income, expenses, mortgage details, credit profile (if entered)
Lead qualification data: answers you provide in our web forms
Technical data: IP address, browser type, device ID, referral source
Location data: approximate geographic location based on your IP address
Cookies & tracking data: see our Cookies Policy
3. How We Collect Your Data - We collect personal data when you:
Fill in a form on our website
Click on our advertisements (e.g. Facebook, Google, TikTok)
Interact with our website or landing pages
Communicate with us via email or phone
We may also use tools and analytics to detect your geographic location, device type, and browsing behaviour using your IP address and browser data.
4. How We Use Your Data - We use your personal data to:
Match you with a relevant third-party provider or adviser
Share your enquiry with selected partners so they can contact you
Optimise which provider receives your enquiry, based on your form responses and approximate location
Improve the performance and experience of our website
Comply with legal or regulatory obligations
Send follow-up communications, where permitted
By submitting your information, you acknowledge that we may share your data with relevant third-party providers who may offer financial services. In some cases, we may receive a fee or commission from these partners when we introduce you to them.
5. How Decisions Are Made About Your Data - Some decisions about which partner receives your enquiry are made automatically based on your form responses and geographic location. For example:
Your answers may determine which product or provider is most relevant
Leads with similar answers may be distributed using a round-robin system
These decisions are made using automated business rules. They do not involve pricing, eligibility, or credit decisions. You may request human review or object to this type of processing at any time.
6. Who We Share Your Data With - We may share your data with:
Selected third-party partners or clients who offer the services you’re interested in. All third-party processors are contractually obligated to comply with UK GDPR and to process your data securely and only as instructed. We do not share your data with unrelated parties. We never sell your data in bulk or for general marketing lists.
Norton Finance, Norton Finance Loans and Norton Finance Mortgages are trading styles of Norton Finance and Mortgages Limited. (Company number: 5995692).
https://www.nortonfinance.co.uk/
https://www.nortonfinance.co.uk/customer-privacy-notice
Credit Reporting Agency Limited trading as Checkmyfile, which is registered in England (company number 3719598).
https://www.checkmyfile.com/
https://www.checkmyfile.com/privacy
https://www.checkmyfile.com/terms
Monetise Media Ltd – their Privacy Policy and Client list, Links to use:
https://monetise.co.uk/
https://www.monetise.co.uk/privacy-policy/
https://monetise.co.uk/terms-and-conditions/
We may send you offers or services by email, SMS or WhatsApp about the following:
Credit brokers
Unsecured loans providers, secured loans providers, short-term lenders, alternative lenders, peer-to-peer lenders, guarantor lenders
Prepayment card and bank account provider
Car finance, logbook loan lenders
Insurance services such as car insurance, home insurance, and contents insurance
Debt and property possession adjusters/advisers
Utility switching agents
Equity release arrangers and credit reference advisers
7. Lawful Basis for Processing - We rely on the following legal bases:
Consent – when you provide your details and agree to be contacted
Legitimate interests – in operating our service and matching you with relevant providers
Legal obligations – where we must comply with applicable laws or industry regulations
8. How Long We Keep Your Data - We retain your personal data for only as long as necessary:
Unconverted leads: typically up to 12 months
Converted leads: according to the policies of the receiving provider
Analytics & cookie data: typically up to 26 months, depending on the platform
We regularly review and securely delete data when it is no longer required.
9. International Transfers - Some of our providers may process data outside the UK. When this happens, we ensure that your data is protected by:
UK-approved standard contractual clauses,
or Adequacy decisions for countries with equivalent data protections
10. Your Rights - Under UK GDPR, you have the right to:
Access your personal data
Correct any inaccuracies
Withdraw your consent at any time
Object to or restrict certain processing
Request deletion of your data
Request human review of automated decisions
Lodge a complaint with the Information Commissioner’s Office (ICO)
To exercise your rights, contact us at compliance@digitalroo.co.uk.
11. How We Keep Your Data Safe - We take appropriate steps to protect your personal data, including:
Secure cloud infrastructure
Encryption of data in transit and at rest
Firewalls and access controls
Internal policies and staff confidentiality training
12. Profiling & Ad Targeting - We may use tools like Google Ads, Meta Pixel, TikTok Pixel, or other analytics platforms to understand your behaviour and interests. This helps us improve advertising relevance and website performance.
These tools may track how you interact with our website and use this data to serve personalised ads on other platforms. For more information, and to control these settings, please see our Cookies Policy.
13. Support for Vulnerable Individuals - We aim to ensure that everyone can access our services fairly and without discrimination. If you have specific accessibility needs or feel that a vulnerability may affect how you use our website or understand this policy, please contact us. We will do our best to support you.
14. Third-Party Links - Our website may contain links to third-party websites. We are not responsible for their content or privacy practices. Please review their policies before submitting any data.
15. Updates to This Policy - We may update this Privacy Policy from time to time. Any changes will be published on this page, with a revised “Last Updated” date above. Please check back regularly to stay informed.
16. Children’s Privacy - Our services are not intended for anyone under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected data from a minor, we will delete it promptly. If you believe we have mistakenly collected information from a child, please contact us.