Privacy Policy
We take data protection and your privacy very seriously at wavemoneyonline. Here’s how we handle your information.
This privacy notice aims to give you information on how wavemoneyonline collects and processes your personal data through your use of this website, including any data you may provide when you submit our online contact form.

It is important that you read this privacy notice so that you are fully aware of how and why we are using your data.

Topics
1. Who We Are
2.Data We Collect
3.How We Collect Your Data
4.How We Use Your Data
5.Who Do We Share Your Information With?
6. Data Security
7.Data Retention
8. Data Transfers to Third Countries
9.Your Legal Rights and Your Data
10.What are our legal grounds for processing your personal information?
11.Cookies and Do Not Track
12.Changes to This Notice

Who We Are
You are visiting a website owned and operated by wavemoneyonline and its subsidiaries (collectively “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This privacy policy applies to wavemoneyonline and all websites and mobile apps owned and operated by wavemoneyonline.com on which this privacy policy is displayed (such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively, or collectively as “Services”) as well as wavemoneyonline affiliates.

wavemoneyonline commercial loan Websites are designed for businesses and intended for individuals’ personal, family or household use. Accordingly, we treat all personal information collected for commercial loan products, including information about any visitors to our loan Websites, as pertaining to individuals acting as business representatives, rather than in their personal capacity.

Personal data, or personal information, refers to any details about an individual that can be used to identify them. This does not include information where identity has been removed (anonymous data).

2.Data We Collect
2.1 We may collect, use, store, and share various categories of personal data about you, which we have organised as follows:

Identity Data: Includes your first and last name.

Contact Data: Includes your address, email address, and phone number(s).

Technical Data: Includes your internet protocol (IP) address, browser type and version, time zone settings, location, browser plug-in types and versions, operating system, platform, and other technology you use to access our website.

Product Data: Includes information submitted through forms, such as responses and selections made within our online contact form.

Usage Data: Includes details about how you interact with and use our website.

2.2 We may also collect, use, and share Aggregated Data, such as statistical or demographic information, for various purposes. Aggregated Data may be created from your personal data but is not considered personal data under the law, as it does not directly or indirectly identify you. For instance, we may compile your Usage Data to determine the percentage of users engaging with a particular website feature. However, if we link or combine Aggregated Data with personal data in a way that could identify you, we will treat the combined information as personal data and handle it according to this privacy notice.

3.How We Collect Your Data
We use various methods to collect data from and about you, including the following:

3.1 Direct interactions.
You may provide us with your Identity, Contact, and Marketing and Communications Data by completing forms (including our online insurance quote form) or by communicating with us via post, phone, email, or other channels.

3.2 Automated technologies or interactions.
When you interact with our website, we may automatically gather Technical Data about your device, browsing behaviour, and usage patterns. This information is collected through cookies, pixels, server logs, and similar technologies. For more information, please refer to our cookie policy.

3.3 Third-party analytics.
We may receive Technical Data from analytics tools and service providers, such as Google.

4.How We Use Your Data
We have explained below the purposes for which we may use information about you. As with the section above, we have explained why we use your information with reference to the relevant legal basis.
4.1 To manage and operate our website and related services.

4.2 To verify your identity and to manage, operate, and administer your account if you choose to create a WaveMoneyOnline account.

4.3 To share your information with our product partners, including companies whose products or services appear on our website, so they can provide you with an online quote or eligibility score for the product or service you have requested. When our product partners use your personal data to generate a quote, they act as independent controllers of that information.

4.4 To pre-populate fields on our site when you return to obtain quotes for the same products or through other channels on the site. This helps streamline your experience by storing personal information you submit (such as your postal address and email address) and details of individuals linked to your accounts, such as family members or friends. This may involve placing cookies or similar tracking technologies on our website.

4.5 To track sales, which may involve product partners sending us information about the products you have purchased. This process may also involve placing cookies or other tracking tools on our site.

4.6 To fulfil offers you qualify for or have applied for through the website, such as eligibility for our rewards platform. If third parties assist us in providing these offers, incentives, or rewards, we may need to share your personal data with them. Any such sharing will also be described in the specific terms and conditions of our rewards platform.

4.7 To match our data with data from other sources in order to validate your information and enhance the usability of our services.

4.8 To validate and analyse your information and, where appropriate, compare it with data collected by third parties to ensure it is accurate, consistent, and well-organised. This helps us make our services as seamless as possible. For example, if you are required to provide your address, we may display address lookup services from third-party partners. When you enter your postcode into the search field, we pass this information directly to the partner to retrieve your address.

4.9 When you use our eligibility checker services (such as in our loan processes), a credit report may be generated through a soft credit check. We do not conduct these checks ourselves; instead, we forward your personal information to our third-party loan provider, who may perform a soft credit check as part of their quoting process.

4.10 To communicate with you, including:

Sending you information about products and services we believe may interest you. Depending on your communication preferences, we may reach out via email, SMS, or other electronic channels such as social or digital media. This may include new product updates, newsletters, or promotional content. When you provide your details to run a comparison, you will have the option to opt out of marketing communications. If you prefer not to receive such communications, you must indicate this each time you use our comparison services. You may also unsubscribe at any time. Opting out will not affect communications necessary for delivering our services.

Sending confirmation emails for your quotes. When you obtain a quote, we will automatically send a confirmation email for your reference.

4.11 To personalise and enhance our services, including:

Improving the customised content and insights available on our website and in our marketing communications. The information we gather helps us tailor our recommendations and improve suggestions for products or services that may interest you. These personalised insights may appear on our website or be delivered through direct marketing.

4.12 For research purposes, including analysing market trends and customer demographics, for example:

Using information from your quotes, your personal data, special category data provided for life insurance quotes, and details about the policies or contracts you take out to conduct research and analysis activities. These activities help us review and enhance our website and services, such as improving the user journey.
4.13 To meet any legal obligation and/or to prevent or detect crime – for example, if a court or regulator, Governmental, compliance or law enforcement agency requires us to disclose your personal information; if it is necessary for us to disclose your personal information in connection with legal proceedings; or to prevent fraud and money laundering, which might involve disclosure to a fraud prevention agency.

4.14 To enable a sale or potential sale of all or part of our business.

5.Who Do We Share Your Information With?
We may share information about you or provided by you with the wavemoneyonline affiliates.

Network Partners: When you submit an inquiry or use another Service provided through the Website, you direct wavemoneyonline to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between wavemoneyonline and its Network Partners, if you select a Network Partner through our Services, wavemoneyonline may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. wavemoneyonline and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. wavemoneyonline may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.

Financial Companies: We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.

Other Business Partners: We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.

We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.

Other Situations: We may also disclose information about you or provided by you at our sole discretion:

In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the wavemoneyonline business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
In connection with a substantial corporate transaction involving the wavemoneyonline business, such as a sale of wavemoneyonline or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

6. How We Protect Your Information
6.1 We have implemented appropriate security measures to protect your personal data from accidental loss, unauthorised access, misuse, alteration, or disclosure. Access to your personal data is restricted to employees, agents, contractors, and other third parties who have a legitimate business need to access it. They will process your data only according to our instructions and are bound by confidentiality obligations.

6.2 We have established procedures to respond to any suspected personal data breach. Where legally required, we will notify you and the relevant regulatory authorities of any such breach.

7.Data Retention
7.1 We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including meeting any legal, accounting, or reporting obligations.

7.2 When determining how long to keep your personal data, we take into account the amount, nature, and sensitivity of the data, the potential risk of harm from unauthorised use or disclosure, the purposes for which the data is processed and whether those purposes can be achieved in other ways, as well as any applicable legal requirements.

8. Data Transfers to Third Countries
8.1 The data we collect from you may, at times, be stored or processed in countries outside the European Economic Area (EEA). It may also be processed by organisations located outside the EEA that work on our behalf or on behalf of our suppliers.

8.2 These organisations may be involved in fulfilling your request, order, or reservation, as well as providing support services.

8.3 When we work with certain service providers, we may use contracts approved by the European Commission to ensure your personal data receives the same level of protection as it does within Europe.

8.4 If we use service providers based in the United States, we may transfer your data to them where they participate in the Privacy Shield framework, which requires them to offer similar levels of protection for personal data transferred between Europe and the U.S.

8.5 We will take all reasonably necessary steps to ensure your data is protected to an adequate standard and is handled securely and in accordance with this Privacy Policy.

9.Your Legal Rights and Your Data
Under certain circumstances, data protection laws give you specific rights regarding your personal data. These include the right to:

9.1 Request access to your personal data (commonly known as a “data subject access request”).
This allows you to obtain a copy of the personal information we hold about you and confirm that we are processing it lawfully.

9.2 Request correction of the personal data we hold about you.
This enables you to have any incomplete or inaccurate information corrected. We may need to verify the accuracy of the updated data you provide.

9.3 Request the erasure of your personal data.
This allows you to ask us to delete or remove your information when there is no valid reason for us to continue processing it. You may also request erasure where you have successfully exercised your right to object to processing, where your data has been processed unlawfully, or where we are required to delete it to comply with applicable laws.

9.4 Object to the processing of your personal data when we rely on legitimate interests (whether ours or a third party’s) and something about your specific circumstances leads you to believe that such processing affects your fundamental rights and freedoms. You also have the right to object to the processing of your data for direct marketing purposes. In some situations, we may demonstrate that we have compelling legitimate grounds to continue processing your data that override your rights and freedoms.

9.5 Request restriction of processing your personal data.
This enables you to ask us to limit the processing of your information in the following situations:
(a) you want us to verify the data’s accuracy;
(b) our use of the data is unlawful, but you prefer that we restrict it rather than delete it;
(c) we no longer need the data, but you need us to retain it to establish, exercise, or defend legal claims; or
(d) you have objected to our processing, and we are assessing whether we have overriding legitimate grounds to continue.

9.6 Request the transfer of your personal data to you or to a third party.
We will provide your data in a structured, commonly used, machine-readable format. This right applies only to automated information for which you initially gave consent or where the data was used to perform a contract with you.

If you wish to exercise any of these rights, or if you have questions or complaints, please contact us to discuss your concerns.

We will only collect and process your personal information in accordance with applicable data protection laws. Our legal grounds for processing your personal data, as described in this Privacy Policy, are as follows:

10.What are our legal grounds for processing your personal information?

10.1 Performance of the services you require

We process your personal data where it is necessary to deliver the service you have requested.

10.2 Contract

To provide you with our services and to manage your WaveMoneyOnline account, we will:

Share your personal information with our product partners or search their websites to obtain quotes and/or the information required to deliver the relevant service (including eligibility checkers or insurance renewal services, which may involve a ‘soft’ credit search).

Process any transactions between you and a third party.

Manage, operate, and administer your account.

Send you an automatic confirmation email when you submit your personal details to obtain a quote on our website.

If you qualify for our rewards “Premium” platform after purchasing an eligible product or service, we will use your information to confirm your eligibility and to provide instructions on how to access the rewards platform.

If you apply for an offer, incentive, or rewards “Essential” platform through the site, we will use your personal information to assess your eligibility and, where available, to fulfil the offer or incentive once the criteria are met.

We process your personal information for these activities because it is necessary to perform the contract between us, or to take steps at your request before entering into a contract.

10.3 Consent

We may process your personal data where you have given clear consent for a specific purpose. For example:

Sending you marketing communications about similar products or services we believe may interest you, including newsletters or new product updates. When performing a comparison, you can choose whether to receive marketing emails. You may opt out at any time.

Using cookies for certain advertising purposes (please see our cookie policy for more details).

Conducting audience-based targeting through social media platforms.

Sending marketing emails from our rewards platform provider, Propello Cloud Limited.

You can withdraw your consent at any time. Withdrawal will not affect the legality of processing carried out before consent was withdrawn.

10.4 Legitimate Interests

We may process your personal information where it is necessary for our legitimate interests (or those of a third party), provided these interests are not overridden by your rights or freedoms. Examples include:

Monitoring and communicating about our services, such as:

Informing you of annual renewal quotes via your account dashboard.

Displaying reminders for vehicle tax, MOT, or insurance renewals if you have run a car insurance enquiry while logged in.

Showing available energy deals or updates on your supplier switch if you have performed an energy enquiry while logged in.

Saving your energy switch application details to make future switching easier.

Marketing, including notifying you about products, services, or insights that may interest you, and developing marketing strategies and content. We will not send marketing communications if you ask us not to.

Personalisation and improvement, such as conducting analysis and profiling to tailor recommendations, improve content, streamline form completion, and enhance user experience. These activities do not produce legal or significant effects on you.

Informing you about incomplete quote forms for products or services you showed interest in.

Market research, analysis, and product improvement, often using anonymised or pseudonymised data to help improve our offerings and those of our partners.

Facilitating the sale or potential sale of all or part of our business to support long-term commercial success.

You have the right to object to processing based on legitimate interests. If you object, we will stop processing your information unless a valid legal exemption applies. Please contact us to exercise this right.

10.5 Legal Obligation

We may need to process your personal information to comply with legal requirements. This may include:

Disclosing information to courts, regulators, government bodies, compliance organizations, or law enforcement agencies.

Preventing fraud or money laundering, which may involve sharing information with fraud prevention agencies.

Processing personal data necessary to respond to (and verify) data subject rights requests.

11.Cookies and Do Not Track

11.1 we may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.
11.2 The Websites may not respond to Do Not Track requests or headers from some or all browsers.

12.APR

12.1Minimum and maximum repayment period (e.g., 6 to 60 months).

12.2Maximum Annual Percentage Rate (APR), including all fees, clearly stated separately (e.g., “Maximum APR: 49.99%”).

Representative example

13.Changes to This Notice
wavemoneyonline has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

How to Contact Us If you have any questions about this privacy policy, the practices of any wavemoneyonline please contact us at: info@wavemoneyonline.com