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Privacy Policy

Privacy Policy

This site (the "Site") is operated by Erudio Student Loans Limited ("we", "us" or "our"). We are registered in England and Wales under company number 8605918 and have our registered office at c/o Wilmington Trust Sp Services (London) Limited, Third Floor, 1 King's Arms Yard, London EC2R 7AF. We are a limited company.

The protection of any personal information that we obtain from you through your use of this site is important to us.  Please read this Privacy Policy carefully as it sets out (amongst other things):

  • what information we may collect about you when using the site;
  • how we may use this information; and
  • who we may disclose this information to.

By continuing to use our site and by submitting information to us, you consent to the use of that information as described in this Privacy Policy.  

Please note that where you hold a student loan with us, the terms of that loan and the terms set out or referred to in any deferment form or other form that we may ask you to complete may include additional terms relating to the processing of personal information relating to them. Those terms will continue to apply to the information you submit using those forms or relating to your student loan in addition to the terms set out in this Privacy Policy.

Cookies

Our site uses cookies and other similar technology to distinguish between different users of our site. This helps to provide you with a good experience when you browse our site and also allows us to improve our site. For detailed information about what cookies are, what cookies we use, the purposes for which we use them and how you can manage their use see our Cookies Policy.

Other general information we may collect from your site visit

Whenever you browse the site, read pages, or download information, our computers automatically record certain information about your visit from the device you use to access the site.

This information does not itself identify you personally. However, if you have logged into an account on the site at the time that we record this information, we will be able to match these details back to you.

The information includes the following:

  • The date and time that your device accesses the site;
  • How many and which pages you visit during a 'session' on the site and how long you were on the site;
  • Your Internet domain name (this might be the domain name of your internet service provider such as aol.com or your place of work) and the Internet Protocol ('IP') address (this is a number assigned to your computer whenever you are surfing the web) which allows you to access the site;
  • The web browser you use and your device's operating system; and
  • The site you were on before you linked to the site (for example, Google, if you found us using a search engine). 

When corresponding with you via HTML capable e-mail, we may use 'format sensing' technology, which allows us to determine whether you received and opened our e-mail. This may involve the collection of certain information such as the IP address of the computer that downloaded the email; the time the email was viewed; the type of browser that opened the email; and the identification number of any cookie on the device previously placed by us (see our Cookies Policy, for further details).

Personal information we may collect from you

In addition to the general information about site use described in the previous section, you may provide us with other information in the course of using our site or contacting us in relation to the site or your loan(s). Where you provide us with this information we will collect and process it in accordance with this Privacy Policy. This information may include:

  • Contact details such as your name, address, email address and telephone number.
  • Information requested to check your identity.
  • Passwords and answers to security questions used to enable you to access secure areas of the site.
  • Account information relating to your student loan, including information you submit to us as part of any application to defer payment of your student loan.
  • Information you submit to us about your income and any proof of income that you provide to enable us to calculate payments due or process deferment applications or other instructions or requests that you give to us.
  • Your bank details, Direct Debit details and your payment history.
  • Records of any correspondence between you and us.

You must ensure that any personal information you provide is true, accurate and complete. It is also your responsibility to let us know about any changes to your personal information so that we can ensure our records are complete and up-to-date.

When providing you with services through the site or dealing with requests or instructions given by you through the site (including requests or instructions relating to loans), we may also need to obtain information about you from credit reference agencies or other sources of information. You authorise us to do this to the extent that we reasonably need to do so to provide these services or deal with your request or instructions.

Using your information

The information you give to us or which we obtain relating to you and your loans through the site will be used for the following purposes:

  • to verify your identity and the accuracy of any information that you have provided to us and for the purposes of fraud prevention
  • to manage your student loan account, and calculate and collect payments due under it
  • for administrative purposes related to your student loan
  • to provide you with the services that you access through the site
  • to contact you about any issues you may raise
  • to keep records of your communications with us and to help identify and resolve issues
  • to enable us to comply with any applicable laws and regulations

We may also use information about your use of the site (for example areas that are used particularly frequently) to analyse and improve the site and the services provided through it.

In certain circumstances, the law permits us to use this information for other purposes, such as for the prevention or detection of crime and we may, therefore, use this information for these purposes as well as the purposes set out above.

From time to time we may ask you if we can use certain of your information for other purposes. If you agree to this then we may process that information for those additional purposes.  However, we will not use or disclose the information that you give to us through this site or which we obtain through the site relating to you and/or your loans for marketing purposes.

We may need to process sensitive data about you such as information about your racial or ethnic origin, data about your health and/or your criminal record. This will be processed in accordance with the Data Protection Act 1998 and you give your explicit consent for us to process this information for the purposes described above.

We will retain your information only for as long as is reasonably required for the purposes described above and it will then be securely destroyed.

Storing your personal data & data security

The data we collect from you may be transferred to and stored in other countries within the European Economic Area ("EEA"). It may also be processed by staff operating inside the EEA who work for us or for one of our suppliers.  By submitting your personal data, you agree to this transfer, storing or processing. 

Data that is provided to us is stored on secure servers and we will take reasonable steps to ensure that your data is treated securely and in accordance with this privacy Policy. In particular, we will take appropriate technical and organisational measures against unauthorised or unlawful processing of your personal data and against accidental loss or destruction of or damage to it.

The transmission of information via the internet is not completely secure and while we take reasonable steps to maintain the security of information whilst it is being transmitted to us, we cannot absolutely guarantee the security of data sent to us electronically.  If you do transmit data to us via the internet you should take reasonable steps to do so securely (including maintaining and regularly changing secure passwords, keeping passwords and other log-in information confidential and not transmitting sensitive data from publicly accessible computers or via unsecured networks such as open wi-fi connections). We will not be liable for any loss of or interception of your information, unless this results from our failure to use reasonable steps to keep it secure.

Disclosing your information

We may disclose your information where we reasonably consider that disclosure is required or permitted by law (for example to government bodies or law enforcement agencies).

We use third party contractors to host the site, to provide the systems used to process the information held about you and your loan(s) and to perform our other rights and obligations in relation to your loans (including debt collection agencies and legal advisors appointed to advise in relation to loans or to assist in the collection of any debts). We may therefore disclose your information to these contractors for these purposes. We will ensure that where we do this we only use reputable contractors and that appropriate contracts are put in place and maintained with these contractors for the protection of your information.

We may also disclose your personal information to the following third parties in the following circumstances:

  • to any person who holds or acquires ownership of any rights in relation to your loans to enable them to exercise their rights in relation to those loans or to any person to whom we sell or otherwise transfer that part of our business that relates to your loans;
  • to any person where we reasonably consider that the disclosure is necessary to protect the rights, property, or safety of any person;
  • to persons that we reasonably consider require the information to assist fraud prevention and detection;
  • to credit reference agencies (CRAs) where your account was opened before 1998 in accordance with the terms and conditions of the loan. Where your account was opened in or after 1998 then we may pass details of your loan to CRAs where (i) your account is in or has been in arrears with Erudio Student Loans or (ii) your account is in default or (iii) you have agreed that we may do this. Where your account is in deferral it will be treated in the same way as any other form of loan, which is in a payment holiday and will not be treated as a default; and
  • to third parties as necessary to verify your identity and the accuracy of the information that you provide to us.

Third party links

You may find links to third party websites on our website. These websites should have their own Privacy Policies which you should check. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them.

Your Data Protection rights

You have certain rights relating to the processing of your data under the Data Protection Act 1998. This includes the right to inspect your personal data on request (there is a £10 charge for this). For the purpose of the Data Protection Act 1998, the data controller is Erudio Student Loans Ltd, PO Box 1055, Cornwall House Albany Park, Camberley GU15 9PA. You also have the right to:

  • Have personal information that is wrong put right upon your request.
  • Prevent processing where it may cause damage or distress.
  • Object to automatic processing.
  • Claim compensation for damage and distress caused by our failure to comply with the terms of the Data Protection Act 1998.
  • Prevent the use of your information for direct marketing.

Further information about your rights can be found at www.ico.org.uk

Changes to our 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.

Contacting Us

If you have any comments or requests regarding this Privacy Policy, please do not hesitate to contact us. Our contact details are can be found on our Contact Us (Insert link) page.

Information Commissioner's office

The office of the Information Commissioner is the government appointed office with responsibility for data protection. They can assist with any complaints or questions you may have. They can be contacted on 01625 545745 or at www.ico.org.uk

 

 

Our Customer Portal

Login or register to our Customer Portal today, this will allow you to do the following online:

  • Make a repayment
  • Apply for deferment
  • View your balance
  • View your transactions
  • Update your contact details
Erudio Student Loans Limited is registered in England and Wales with company number 8605918. Its registered office is c/o Wilmington Trust Sp Services (London) Limited, Third Floor, 1 King’s Arms Yard, London, EC2R 7AF.
Your account is administered by Arrow Global Limited (“AGL”) for Erudio Student Loans Limited. AGL is part of the Arrow Global Group and is authorised and regulated by the Financial Conduct Authority for certain credit-related regulated activities. AGL is registered on the Financial Services Register under registration number 718754. AGL is registered in England and Wales with company number 05606545 and its registered office is at Belvedere, 12 Booth Street, Manchester M2 4AW.