Privacy Policy

What this Privacy Policy covers

 

We may store and process your information on our systems and computers as a result of your interaction with our website and when you apply for a financial product or service. We will also collect and potentially store personal and financial information about you when you provide us with information over the telephone and when you send us documents and information by email, post, or any other means.

Below, we have set out some important information for you to know about Stagemount Limited and your use of our services. Please take the time to read this Privacy Policy and our Terms and Conditions carefully before you start using our services. Our Terms and Conditions can be found [here – insert link].

By using our website, you are accepting and agreeing to our Terms and Conditions and this Privacy Policy.

If you do not agree with the Terms and Conditions or our Privacy Policy, we kindly ask you not to use our service.

 

Who are we?

 

Lunar Lender is a registered trading name of Stagemount Ltd, a company registered in England and Wales (company number 07259223). Our registered office is located at 6 Broadway, Nottingham NG1 1PS. We are authorised and regulated by the Financial Conduct Authority (FCA) as a credit broker (reference number: 677995). We are registered with the Information Commissioner's Office ("ICO") under registration reference Z2501836. 

 

Purpose of Our Privacy Policy

 

The purpose of this Privacy Policy is to provide you with a clear understanding of how we utilise the personal information we collect about you, for example the information we collect from you when you use our websites to search for financial products or services. It is important that you read this policy in its entirety to understand the type of information we gather, how we use it, and your rights regarding accessing, updating, and deleting your personal information (amongst others). Please consider this policy in conjunction with our Terms and Conditions.

Please note that if you are redirected to or click on a link leading to a third-party website that is not owned by us, we cannot be held responsible for how they handle your personal information. We recommend reviewing their privacy policy to understand their practices.

In this policy, "personal information" refers to any data collected by us that could be used to identify you, such as your name, address, and online identifiers like your IP address.

Our website is not intended for children, and we do not knowingly collect data relating to children. As set out in our Terms and Conditions, our website and Our Service may only be used by individuals who are 18 or over. If you are the parent or legal guardian of a child under 13 who you believe has provided personal data to Stagemount through our website, please contact us at help@lunarlender.com

 

Our Service

 

When you request us to search for a financial product or service (by accessing our website and making your request online), we utilise the personal information you provide to deliver "Our Service". We provide an online credit broking service to help you search for various financial products and services provided by our panel of authorised financial services firms ("Trusted Lenders").

When using Our Service to find a financial product or service, we will strive to match you with one of our Trusted Lenders. In order to do so, we will share your information with our Trusted Lenders, who may be able to provide the specific product or service you are seeking. You will be redirected to the Trusted Lender's website to complete your application. 

 

Trusted Lenders

 

When our Trusted Lenders receive this information, they become separate data controllers and may process your personal information for their legitimate interests in evaluating whether they can provide you with the requested financial product or service. For example, if you are inquiring about a loan.

If any of our Trusted Lenders are unable to assist you, they may retain your personal information for a period specified by them (typically 12 months) to fulfil their legal and regulatory obligations, as well as their legitimate interests, for reasons such as fraud prevention and credit analysis. This also enables them to match any subsequent applications you may make during this period with the personal information they hold, ensuring unnecessary credit searches are avoided.

Prior to finalising and submitting any application on the websites of Trusted Lenders, we strongly recommend that you carefully review their respective privacy policies to ensure your understanding of how they handle your personal information. Please note that we cannot be held accountable for the practices employed by any of Trusted Lenders in this regard.

 

How do we collect your personal information?

 

We collect personal information from you in the following ways:

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• Information you provide when completing any online forms on our website to use Our Service.

• Information you provide during correspondence with us via phone, email, text message, or when engaging with us on social media platforms such as Twitter, Facebook, or Messenger, etc. This includes information you may provide when utilising Our Service, leaving a review, or contacting us with questions, site-related issues, or any other inquiries.

• Information we collect through automated technologies or interactions. As you interact with our website, we may automatically gather technical data about your device, browsing actions, and patterns. This personal information is collected using cookies and similar technologies. For more information, please refer to our cookie policy.

 

What personal information do we collect about you?

 

To provide Our Service, we may collect the following personal information about you (as relevant):

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• Contact information: Full name, email address, telephone number, address, date of birth.

• Application information: Product type, loan or credit amount, repayment period.

• Financial information: employer or business information, salary or wage, monthly income, bank account, monthly outgoings, and other borrowings (including mortgages).

• Property information: homeowner or tenant.

• Marketing and communications information: This refers to your preferences regarding the receipt of marketing information about our products and services.

• Technical information: This encompasses various details, including your internet protocol (IP) address used for connecting your computer to the internet, the browser you use, your time zone setting, your operating system and platform, the referral source of your inquiry (such as Google, Facebook, Bing, etc.), and the device you are using. Additionally, we collect information about your visit to our site, including the complete Uniform Resource Locators (URLs) to, through, and from our site (including the date and time), page response times, download errors, duration of visits to specific pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to navigate away from the page, and, if you accessed our site through a search engine, the address of that search engine and the search term you used.

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Special category personal data includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data. We do not generally collect any special category personal data about you, unless you share this with us voluntarily, and provide your consent for us to process this for specific reasons.

 

How we use your personal information:

 

The purposes for which we process your personal information are as follows:

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• To communicate with you, for example to respond to your inquiry or discuss your application.

• To process your application for financial products or services.

• To provide Our Service to you.

• To keep a record of the service you requested and deliver this to you.

• To provide you with customer support and handle any queries, complaints or cancellations.

• To administer our website, enhance operational capabilities and for internal operations.

• To use data analytics to ensure that content from the website is presented in the most effective manner for you and your device.

• To collect information and create insights about your browsing habits on our website.

• To meet any legal or regulatory requirements we may have, to apply or enforce our Terms and Conditions, or to protect our rights or the rights of a third party.

• To inform you of other products, services or events which we think may be of interest to you (unless you have opted out of receiving such marketing communications)

 

Our legal basis for using your personal information.

 

We will only use your personal information where one of the following legal bases applies.

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• Performance of a contract: In the majority of cases, we will collect and process your personal data as this is necessary for us to provide you with Our Service, or to take steps at your request prior to providing Our Service.

• With your consent: If you have provided your consent, we will use your personal information accordingly. This may apply where you have provided your consent to process special category personal data such as data about your health, or where you have opted in to receive marketing communications from us.

• Legal or regulatory obligations: We may use your personal information where we have a legal or regulatory obligation to do so.

• Legitimate interests: We may process your personal information based on our legitimate interests, provided it does not infringe upon your rights.

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If you do not agree to provide your personal information to us, we may not be able to provide you with Our Service. Where we ask for your consent to use your personal information you are free to refuse our use of your personal information for those purposes and you may withdraw your consent at any time by contacting us using the details set out below. This shall not affect the lawfulness of any processing that was based on your consent before you withdrew it.

 

Legitimate interests

 

Where we rely on a legitimate interest as a ground for processing your personal information, we only conduct the processing of your personal information where the legitimate interest and the necessity of processing the personal information is not outweighed by your interests, rights and freedoms. Our legitimate interests are:

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• provision of Our Service and support to customers;

• operation, development, and promotion of our business

• management and monitoring of our website operation;

• ensuring security of our website and preventing fraud;

• provision of information to customers relating to products and services that they have requested, or similar products or services;

• keeping customers up to date on any changes on our website, Our Service or Terms and Conditions;

• internal group administrative purposes; and

• compliance with applicable laws and regulations.

 

Disclosure of your personal information

 

We may share your personal information with the following third parties in the following circumstances:

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• Our Trusted Lenders as set out above;

• Our other group companies, for internal administrative purposes, and to operate and

• Regulators, law enforcement and fraud prevention agencies in order to investigate any breach of the Terms and Conditions and/or Privacy Policy or any other notice provided to you, to ensure we comply with our legal or regulatory obligations, or to establish, exercise or defend a legal claim; or

• any prospective buyer of our business or assets and/or our professional advisors who provide legal, accounting, consulting, banking or insurance services.

 

Storage and transfer of your personal information

 

Your personal information will be used and stored in the UK.

 

Marketing:

 

We may provide you with marketing that you have requested (i.e., provided your consent for), or marketing relating to products and services that are similar to those you have requested or expressed an interest in (under the "soft opt-in" rule). We will not send unsolicited marketing communications about other product types or services.

We may send marketing via email, text message, push notifications, social media, or other electronic means (depending on your preferences). We will always provide an opt-out in each communication.

Under the "soft opt-in" rule, we may assume that you wish to receive marketing communications about our similar products and services if you have previously engaged with us (e.g., by submitting your contact details to inquire about Our Service). You have the option to opt out or unsubscribe. This approach allows us to inform you about other related products and services that we believe would be beneficial to you in addition to the specific one you initially expressed interest in.

We will not share your personal information with external companies for their marketing purposes.

 

Cookies:

 

You can configure your browser to reject or notify you about the setting or accessing of cookies by websites. Please note that disabling or rejecting cookies may result in certain parts of the website being inaccessible or functioning improperly. For detailed information about the cookies we use, refer to our cookie policy below.

 

Change of purpose:

 

We will only use your personal information for the purposes for which it was collected, unless we reasonably determine that we need to use it for another compatible purpose. If we need to use your personal information for a different purpose, we will inform you and provide the legal basis for doing so.

 

How long do we keep your personal information for?

 

Unless required by law to keep your personal information for a different period of time, we will keep it for no longer than 12months from the date you last used Our Service

 

Data Security:

 

We have implemented appropriate security measures to safeguard your personal information. These measures are designed to prevent accidental loss, unauthorised access, alteration, or disclosure of your information. Additionally, we restrict access to your personal information to only those employees, agents, contractors, and third parties who require it for legitimate business purposes. They are bound by confidentiality obligations and will only process your personal information as instructed by us.

We have established procedures to handle any suspected breaches of personal data. If a breach occurs and we are legally obligated to do so, we will promptly notify you and/or the relevant regulatory authorities.

 

Automated decision-making

 

No automated decision making is undertaken.

 

Your rights

 

You have the right to request from us the following in relation to your personal information:

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(i)            the access to it;

(ii)           the rectification of it;

(iii)          the erasure of it;

(iv)          the restriction of processing concerning you and your personal information;

(v)           the prevention of our processing of it; and

(vi)          the transfer of it to a third party.

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If you would like to exercise any of these rights, please contact us at [insert email address].

If we are relying on your consent to process data, you may withdraw your consent at any time by notifying us at: help@lunarlender.com 

 

Complaints and contact details:

 

We value your trust and want to ensure that we handle your personal information responsibly and in accordance with best practices. If you have any concerns regarding our data handling practices, please contact us without delay. We take your concerns seriously and will work with you to address and resolve them.

To contact our Data Protection Officer or lodge a complaint, please use the provided contact detail:

The Data Protection Officer

Stagemount Ltd

6 Broadway

Nottingham

Nottinghamshire

NG1 1PS

 

Email: 

 

You also have the right to complain to the ICO about the way we process your personal information, at the following details: Tel: 0303 123 1113; Web: https://ico.org.uk/; Address: Information Commissioner’s Office, Water Lane, Wilmslow, SK9 5AF.

 

Changes to This Privacy Policy

 

Any changes we may make to our Privacy Policy in the future will be posted on this page.

Please check back frequently to see any updates or changes to our Privacy Policy. However, if any significant change we make affects the way we are able to use your personal information, then we will do our best to communicate this to you.

 

Cookie Policy

 

This Cookie Policy explains how Stagemount Ltd trading as Lunar Lender ("we", "us" or "our") uses cookies and similar tracking technologies when you visit our website [insert website]. This Cookie Policy aims to inform you about the types of cookies we use, the purposes for which we use them, and your choices regarding cookies.

 

What are cookies?

 

Cookies are small text files that are placed on your computer when you visit websites and use other digital services. Website operators commonly place cookies on your computer or device when you access the site and can also choose to allow third parties to do this.

Cookies are generally used to ensure the security and effective operation of the website, so that it works properly when you visit and navigate the site. However, sometimes cookies are also placed to help make improvements to the site, by helping the operator to understand how users interact with it or to provide advertisements based on your areas of interest.

 

Different types of cookies

 

Strictly necessary cookies. We use these cookies to allow you to visit different pages of our website and to navigate with ease around our website. These cookies are necessary for the website to function, and some parts of our website will not work if you set your browser to refuse these.

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Performance cookies. These cookies allow us to recognise and count the number of visitors to our website and see how visitors move around when they are using it, for instance, which pages they go to most often and if they get error messages from those pages. This assists us in improving the way our website works, e.g., by ensuring that users find what they are looking for easily. These are session cookies and expire when you close your browser. The information collected is aggregated and therefore anonymous. If you do not allow these cookies, we will not be able to monitor the performance of our website.

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Functionality Cookies. These cookies provide enhanced functionality such as watching videos or taking part in our surveys. If you do not allow these cookies, then some of our services may not function properly.

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Advertising Cookies. These cookies are placed by selected third parties. They are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as to help measure the effectiveness of advertising campaigns. They will uniquely identify your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

 

How We Use Cookies

 

When using this website, some information may be collected automatically using cookies or other similar technologies. The information that may be collected includes your IP address, operating system, and browser type, in order for us to gather aggregate information. This is never used to identify any individual but allows us to provide you with a consistent experience when using our website. With your consent, we may also use cookies for advertising and marketing purposes. The following third-party cookies may be placed on your computer or device. 

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The table below lists the main cookies we use and what we use them for:

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Your options

 

We operate a cookie banner so that when you visit our website for the first time, you can choose whether to allow certain cookies and tracking technologies to be places. You may change your preferences at any time, You will have seen the cookies banner when you logged onto our site, to the cookies banner www.lunarlender.com

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Whilst we cannot control advertisements you may see on other websites and in your social media feeds, you are free to opt-out of or change your settings regarding ad personalisation at any time by going to your Google Ads Preferences Manager or Facebook Ad Preferences.

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You can disable, delete, or block cookies at any time on your device. If you wish to do this, you will need to use your internet browser settings as each browser has its own way of allowing you to access and control these settings. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.

 

Contact us

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If you have any questions or concerns about this Cookie Policy, please contact us at help@lunarlender.com

Changes to this Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal or regulatory reasons. Any changes we make will be posted on this page. We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies.

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Additional Information

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T&C’s

Complaints Policy

FAQs

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