What is the purpose of a Privacy Policy?
This Privacy Policy informs You of the nature of the personal data about You that is processed by us and how You can request that We delete it, update it, transfer it and/or provide You with access to it.
This Privacy Policy is intended to assist You in making informed decisions when using the Site and our Services. Please take a moment to read and understand it. It should be read in conjunction with our Terms of Service and Cookie Policy.
About Us
We", "our" or "us" means GAIN Credit LLC (trading as Afforda) having registered office at 251 Little Falls Drive, Wilmington, DE 19808, USA, and its affiliates.
'Personal Data', 'Data Processor' and 'Data Controller' are defined as per the Data Protection Act 2018.
For the purpose of the UK General Data Protection Regulation (GDPR) and Data Protection Act 2018 (DPA), the Data Controller is GAIN Credit LLC.
GAIN Credit LLC is a registered Data Controller and details of our notification to the regulator for data protection, may be found in the Information Commissioner's Office Public Register of Data Controllers at www.ico.org.uk under registration number Z2752028.
This policy, and any additional terms of use referenced within this policy, applies to Your use of any of the services accessible through afforda.co.uk (Our Site), unless it is stated that a separate privacy policy or use of information statement applies.
For the purposes of this policy "You" or "Your" means You as a user of the App Site or as a participant in the Services and/or a user of the Services Sites (as defined below). Individuals who have undergone email verification are specifically identified as "Customers".
Using Your personal data
We may use Your personal information for a number of purposes including:
- to provide You with the services or products You request, including referring Your application to lenders or other credit providers or brokers
- to identify which of our products, or our partners' products, might interest You, including potentially sharing Your information with the Lenders for the purposes of determining Your eligibility to enhance Your experience of using Our Sites or our Services;
- for conducting statistical analysis;
- to identify You when You contact us or visit Our Sites;
- for other regulatory checks including credit assessment;
- for editorial or feedback purposes for our advertisers;
- aggregated information about users for editorial or feedback purposes for our advertisers.
Special Category/Sensitive Data
Special category data is sensitive information about you. This can include:
- Your race or ethnic background
- Your political views
- Your religious or philosophical beliefs
- Whether you belong to a trade union
- Health information
- Information about your sex life or sexual orientation
Why We Collect Special Category Data
We may need to collect this sensitive information to:
- Follow the law: We may collect sensitive data to comply with legal obligations, such as anti-discrimination laws, or financial regulations that require us to assess risks related to health or disability.
- Provide you with the best services and tailored support: We may use sensitive data to better understand your needs, allowing us to offer personalised financial products or services that suit your unique situation.
How We Protect Special Category Data
We take your privacy seriously and protect your sensitive information by:
- Using strong security measures
- Allowing only authorised staff to access it
- Regularly reviewing our data protection policies and practices
Withdrawing Your Consent
Your Right to Withdraw Consent
You can change your mind and withdraw your consent for us to use your sensitive information at any time. This won't affect any use of your data that happened before you withdrew consent.
How to Withdraw Consent
If you want to withdraw consent, you can do this by telling us. You can contact us by using our Contact Form.
We will confirm that we received your request and that your consent has been withdrawn.
Impact of Withdrawing Consent
If you withdraw your consent, it might affect some services or support we provide to you. We will let you know if this happens and try to find other ways to help you.
Marketing and opt-out rights
- By visiting Our Site through the express consent via an 'opt in' mechanism available, You understand and agree that We may contact You via the e-mail address You enter on Your application to assist You with Your request or to discuss other products and services that GAIN Credit LLC may provide for You.
- You may opt-out of receiving these marketing communications from us or from our associated companies by using the unsubscribe options provided in the email and SMS communications received by You.
- If You opt-out of our use of Your Personal Data for marketing purposes, We will make reasonable efforts to honour such choice within 10 business days.
- We reserve the right to take reasonable steps to authenticate Your identity with respect to any such request or other enquiry.
- If You provide consent for us to share Your information with selected third parties, You may receive follow-up contact and offers from third party companies.
- While We only work with selected partners, We are not responsible for the services or representations of these third parties.
- If You do not want to receive further marking communications from these third parties, please contact them directly.
The information may also be used by Gain Credit LLC to evaluate suitability in relation to the Lending Stream or Drafty products when Gain Credit LLC is acting in the capacity of lender.
Automated Use of Your Data
Marketing:
To carry out marketing profiling, We use:
- Information You give us
- Details about how You have used our services
- Any feedback You have given us
- Information We have obtained from Credit Reference Agencies
- Information We have obtained from Social Networking Platforms
- Information We have obtained from third parties We are partnered with
We use processes to analyse this information to decide:
- What services to offer to You
- How to prioritise the marketing messages You receive
- Assess how likely messages will be useful for You;
- How likely You are to respond to the messages We send.
Data Retention:
We store Your personal data in accordance with current laws, for a minimum of 5.5 years from the date You last used our services.
How to Access Your Information and Your Individual Rights
You have the following rights in relation to the personal data We hold about You.
If You would like to exercise any of these rights, please contact us using the details set out in the Contact Us section.
Your Right of Access
- If You ask us, We will confirm whether We are processing Your personal data and, if so, provide You with a copy of that personal data (along with certain other details).
- Please note that if We receive a request, We will take reasonable steps to verify Your identity before We take any action.
- This is to safeguard Your information from fraud.
Your Right to Rectification
- If the personal data We hold about You is inaccurate or incomplete, You are entitled to have it rectified.
- If We have shared Your personal data with others, We'll let them know about the rectification where possible.
- If You ask us, where possible and lawful to do so, We will also tell You who We've shared Your personal data with so that You can contact them directly.
Your Right to Erasure
- You can ask us to delete or remove Your personal data in some circumstances, such as where We no longer need it or where You withdraw Your consent (where applicable).
- If We have shared Your personal data with others, We will let them know about the erasure where possible.
- If You ask us, where it is possible and lawful for us to do so, We will also tell You who We have shared Your personal data with so that You can contact them directly.
Your Right to Restrict Processing
- You can ask us to 'block' or suppress the processing of Your personal data in certain circumstances such as where You contest the accuracy of that personal data or You object to us processing it for a particular purpose.
- This may not mean that We will stop storing Your personal data but, where We do keep it, We will tell You if We remove any restriction that We have placed on Your personal data to stop us processing it further.
- If We've shared Your personal data with others, We'll let them know about the restriction where it is possible for us to do so.
- If You ask us, where it is possible and lawful for us to do so, We'll also tell You who We've shared Your personal data with so that You can contact them directly.
Your Right to Data Portability
- You have the right, in certain circumstances, to obtain personal data You have provided to us (in a structured, commonly used and machine-readable format) and to reuse it elsewhere or to ask us to transfer it to a third party of Your choice.
Your Right to Object
- You can ask us to stop processing Your personal data, and We will do so, if We are relying on our own or someone else's legitimate interest to process Your personal data, except if We can demonstrate compelling legal grounds for the processing; or processing Your personal data for the purposes direct marketing.
Your Rights in relation to Automated Decision-making and Profiling
- You have the right not to be subject to a decision when it is based on automatic processing, including profiling, if it produces a legal effect or similarly significantly affects You, unless such profiling is necessary for the entering into, or the performance of, a contract between You and us.
Your Right to Withdraw Consent
- If We rely on Your consent (or explicit consent) as our legal basis for processing Your personal data, You have the right to withdraw that consent at any time.
- You can exercise Your right of withdrawal by contacting us using our contact details in the Contact Us section or by using any opt-out mechanism We may provide, such as an unsubscribe link in an email.
Your right to lodge a complaint with the supervisory authority
- If You have a concern about any aspect of our privacy practices, including the way We have handled Your personal data, please contact us using the contact details provided in the Contact Us section.
- If You'd like to get further information, You can contact our Data Protection Officer through our Contact Us page.
- You can also report any issues or concerns to the Information Commissioner's Office here: Make a complaint | ICO
Use of Site by Children
- We do not provide services for children under the age of 18, and We do not send them any marketing information.
- We collect data about all users of and visitors to our Website regardless of age, through cookies, and We anticipate that some of those users and visitors will be children.
- Such visitors including children may be able to visit other parts of the Website and may be subjected to the available online financial promotions or marketing contents.
Security and Retention of Information
- We are aware of the importance of the data We collect from You and therefore We use advanced technology to protect Your information.
- We take reasonable precautions to protect Personal Data from loss, misuse and unauthorised access, disclosure, alteration and destruction.
- We store data in encrypted form on computers and control access via secure Web pages.
- We also employ firewalls and other security technologies to protect our servers from external attack.
- Our employees are trained in the proper handling of Personal Data and when We use other companies to provide services for us, We require them to protect the confidentiality of Personal Data they receive.
- When You enter certain more-sensitive information (such as Your bank sort code or account number) on the application form, We encrypt that information to keep it safe.
- We only keep Your Personal Data for as long as necessary, for the purposes for which it was collected, to provide You with services and to conduct our legitimate business interests or where otherwise required by law.
- In addition, We take reasonable steps to ensure that the data We collect is relevant for its intended purposes, and is accurate, and up to date.
Third-Party Links
- Our Site may contain links to third-party Websites.
- If You follow a link to any of these third-party Websites, please note that such Websites have their own terms and privacy policies, and that We are not responsible or liable for any of the practices of these third-party sites.
International Data Transfers
- Gain Credit LLC operates globally with affiliates and vendor partners including third countries, which means Personal Data may be stored and processed (for example stored in a data center) by us or our service providers for the provision of services relevant to You.
- By providing Personal Data for any of the purposes stated above, You acknowledge that Your Personal Data may be transferred to or stored in third countries outside of UK and We will take necessary measures to safeguard Personal Data in accordance with the contractual obligations and data protection legislation applicable to the provision of services.
- Your Personal Data will only be transferred if We or our vendor partners Process it in a territory which the UK has determined provides an adequate level of protection for Personal Data; or
- Implement appropriate safeguards to protect Your Personal Data, including transferring it in accordance with an applicable transfer mechanism such as International Data-Transfer Agreement.
Please note that our affiliates Global Analytics India Private Limited (GAI), GAIN Credit Holdings Inc and GAIN Credit, Inc also adhere to the above said principles.
Changes to Privacy Policy
- We may make changes to this Privacy Policy from time to time.
- To ensure that You are always aware of how We use Your personal data, We will update this Privacy Policy from time to time to reflect any changes or proposed changes to our use of Your personal data.
- We may also make changes to comply with changes in applicable law or regulatory requirements.
- We encourage You to review this Privacy Policy periodically to be informed of how We use Your personal data.
- The new terms may be displayed on-screen and You may be required to read and accept them to continue Your use of the Application and Our Sites.
- This Privacy Policy was last updated on 11/02/2025.
Company Information
- Afforda is a trading name of GAIN Credit LLC which is a limited liability company registered in the State of Delaware, USA under number 4124111 at the registered address: 251 Little Falls Drive, Wilmington, DE 19808, USA
- GAIN Credit LLC is Authorised and regulated by the Financial Conduct Authority. Our FCA Registration number is 689378.
- We are licensed by the Information Commissioner's Office (Registration Number: Z2752028)
- GAIN Credit LLC trading as Afforda acts as a credit broker and not a lender, offering credit products provided by a panel of finance providers.