Privacy Policy

Updated: 25/06/2025

Who Are We?

HabitatLoans.co.uk is a trading name of PJG Financial Limited, a credit broker, not a lender. We are registered in Scotland under company number SC535782 and are authorised and regulated by the Financial Conduct Authority (FCA), appearing on the Financial Services Register under reference number 919697. We are also registered with the Information Commissioner’s Office (ICO), registration number ZB537016.

Registered Office:
PJG Financial Limited
5 South Charlotte Street
Edinburgh
EH2 4AN

What Is the Purpose of a Privacy Policy?

This policy outlines what personal data we may collect, how it may be used, and who we may share it with. Please read this privacy policy in full before using our services. It should be read in conjunction with our Terms and Conditions.

If you are redirected to a third-party partner site, please review their privacy policy separately, as we are not responsible for how they process your information.

Types of Information Collected

“Personal information” refers to data that identifies you as an individual. This can include your name, address, date of birth, contact details, financial information, IP address, and other data submitted via our forms.

Legal Basis for Data Collection

PJG Financial Limited processes personal data to match you with relevant secured loan products and services. We may share your information with a panel of FCA-regulated brokers, lenders, or debt solution providers to help identify the most appropriate financial option.

We rely on legitimate interest as our legal basis for processing, ensuring it does not override your rights.

Our Service

We may contact you regarding your enquiry or loan application using the contact details you provide, unless you opt out.

We also send information about similar financial products and services as part of our service. You can opt out of marketing at any time by contacting us.

This is based on the ‘soft opt-in’ rule, which applies if you’ve previously submitted your information on our website and shown interest in our services.

Marketing

We do not share your data with third parties for unrelated marketing purposes. Any communication from us will relate strictly to your enquiry or to services we believe are relevant to your needs.

Usage of Your Personal Information

To provide our services, we may share your data with:

  • FCA-regulated lenders and brokers

  • Debt advice services where appropriate

  • Email or SMS service providers

  • Advertising platforms (e.g. Google, Facebook) for remarketing and profiling

Profiling may be used to deliver tailored ads based on your activity. You can opt out of profiling at any time by contacting us.

We also collect technical data (e.g. cookies and IP addresses) to improve site performance and user experience. See our Cookie Policy for more information.

Sharing Your Information

Your information may be shared with:

  • FCA-authorised brokers and lenders

  • Trusted third-party service providers (e.g. CRM and communication platforms)

  • Advertising and analytics services

  • Law enforcement or regulators when legally required

For a detailed list of third-party recipients, please get in touch with us directly.

Data Retention Period

We retain personal information for up to 12 months from your last activity unless you request deletion sooner. Some data may be retained in secure backups for compliance purposes.

Your Rights

Under the UK GDPR, you have the right to:

  • Be informed about how your data is used

  • Access the personal data we hold about you

  • Request corrections to inaccurate data

  • Request erasure of your data

  • Restrict processing in certain circumstances

  • Request portability of your data

  • Object to data processing and profiling

  • Withdraw consent at any time

  • Lodge a complaint with the ICO at www.ico.org.uk

Cookies

HabitatLoans.co.uk uses cookies to improve functionality, personalise content, and analyse website performance. For more, please refer to our full Cookie Policy.

How Do You Keep My Data Secure?

We use secure servers, encrypted data transmission, and maintain strict access controls. All service providers handling data on our behalf must meet strict security standards.

Will My Data Be Transferred Outside the EEA?

If any data is transferred outside the European Economic Area, we ensure that it is protected by appropriate safeguards in accordance with data protection laws.

How Do I Complain?

If you wish to raise a concern or file a complaint, you can contact us at:

Post:
PJG Financial Limited
5 South Charlotte Street
Edinburgh
EH2 4AN

Email: complaints@habitatloans.co.uk

Please also refer to our Complaints Procedure for more details.

How Do I Contact You?

Email: contact@habitatloans.co.uk
Post: PJG Financial Limited
5 South Charlotte Street
Edinburgh
EH2 4AN