Privacy Policy

1. Introduction

Best Loans Jersey ("we", "us", "our") is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and protect your personal data in accordance with the Data Protection (Jersey) Law 2018.

Our supervisory authority is the Jersey Office of the Information Commissioner (JOIC), joic.je.

Data Controller

Best Loans Jersey

4 Five Oaks Parade, Bagatelle Road, St Saviour, Jersey, JE2 7TT

Email: info@nowagogo.com

2. What Data We Collect

We collect the following categories of personal data:

• Communication data: name, email address, and any message content you provide when you complete a call-back request or contact form.
• Application data: financial and personal information you provide when completing a full loan application — including date of birth, address, employment details, income, existing financial commitments, credit history, and property information.
• Technical data: IP address, browser type and version, time zone, operating system, and pages visited — collected via server logs and analytics cookies.
• Marketing data: your preferences regarding receiving marketing communications from us.

3. How We Collect Data

We collect your personal data:

• When you complete a form on our website (call-back request or full application).
• When you contact us by email.
• Automatically through cookies and analytics tools when you visit the Site.

4. How We Use Your Data

We use your personal data for the following purposes:

• To respond to your enquiry — legal basis: legitimate interests (responding to contact you have initiated).
• To introduce you to lenders and brokers — legal basis: consent (given at point of application) and legitimate interests.
• To improve our services — legal basis: legitimate interests.
• To send marketing communications — legal basis: consent (you may withdraw at any time).
• To comply with legal obligations — legal basis: legal obligation.

5. Marketing

We will only send you marketing communications if you have explicitly opted in. You can withdraw consent at any time by emailing info@nowagogo.com or by clicking "Unsubscribe" in any marketing email we send.

6. Disclosures

We share your personal data with:

• Regulated lenders and brokers — to facilitate the introduction service you have requested.
• Service providers — for example, form processing and email delivery services that process data on our behalf under data processing agreements.
• Regulators and law enforcement — where required by law.

We do not sell your personal data.

7. International Transfers

Some of our third-party service providers may be based outside the Channel Islands or the UK. Where we transfer data internationally, we ensure appropriate safeguards are in place in accordance with the Data Protection (Jersey) Law 2018.

8. Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or destruction. All data transmitted through our website uses HTTPS encryption. However, no method of internet transmission is completely secure.

9. Data Retention

We retain your personal data for as long as necessary for the purposes set out in this policy:

• Call-back requests: up to 12 months after your enquiry.
• Full loan applications: up to 6 years, in case of legal or regulatory requirements.
• Technical/analytics data: up to 24 months.

10. Your Rights

Under the Data Protection (Jersey) Law 2018, you have the right to:

• Access — request a copy of the personal data we hold about you.
• Rectification — ask us to correct inaccurate data.
• Erasure — ask us to delete your data in certain circumstances.
• Restriction — ask us to restrict processing of your data.
• Data portability — receive your data in a structured, machine-readable format.
• Object — object to processing based on legitimate interests.
• Withdraw consent — at any time, where processing is based on consent.

To exercise any of these rights, email us at info@nowagogo.com. We will respond within one calendar month.

11. Complaints

If you believe we have not handled your personal data in accordance with this policy, you have the right to complain to the Jersey Office of the Information Commissioner (JOIC):

Jersey Office of the Information Commissioner

2nd Floor, 5 Castle Street, St Helier, Jersey, JE2 3BT

Website: www.joic.je

We would appreciate the opportunity to resolve any concern before you contact the JOIC, so please contact us first.

12. Cookies

We use cookies to improve your experience on the Site. Cookies are small text files stored on your device. We use:

• Essential cookies — required for the Site to function.
• Analytics cookies — to understand how visitors use the Site (anonymised data).

You can control cookies through your browser settings. Disabling non-essential cookies will not affect your ability to use the Site's core features.

13. Children

Our services are intended for adults aged 18 and over. We do not knowingly collect personal data from anyone under 18. If you believe a child has provided us with personal data, please contact us so we can delete it.

14. Third-Party Links

Our Site may link to third-party websites. We are not responsible for the privacy practices of those sites and recommend you read their privacy policies before providing any personal data to them.

15. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page indicates when it was last revised. Your continued use of the Site after any changes constitutes acceptance of the updated policy.