Privacy Policy
How Cheque Centre collects, uses and protects your personal information – and the rights you have over it.
At a glance
- We use your details to find you a loan – and to answer you when you contact us.
- Your application goes to Nouveau Finance, which matches it with our partner lenders. They make the credit checks, not us.
- We never use your details for marketing, and we never pass them to anyone else for marketing.
- This website sets no tracking cookies and uses no analytics.
- Your data is stored in the UK. We keep submitted applications for 6 years, and unfinished ones for 30 days.
Who we are
Cheque Centre is a brand owned and run by Quick Loans Ltd (company number 09619094, England and Wales). Our registered office: Vicarage Chambers, 9 Park Square East, Leeds LS1 2LH. We're authorised and regulated by the Financial Conduct Authority as a credit broker (firm reference 763132).
For the information covered here, Quick Loans Ltd acts as the "data controller": the organisation that decides how and why it's used. You'll find us on the Information Commissioner's Office (ICO) register under ZB551472.
Questions about your data? Email help@chequecentre.co.uk with "Data protection" in the subject, or send a letter to our Leeds office.
What we collect
When you apply for a loan
- About the loan: how much you'd like to borrow, for how long, and what for.
- About you: your title, name, date of birth, marital status, email address and mobile number.
- Where you live: your address, how long you've lived there and whether you own or rent.
- Your work and income: how you're paid, your employer, industry, job title, how long you've worked there, your income, how often you're paid, your next pay date and your household income.
- Your outgoings: what you spend each month on housing, credit, bills, transport, food and other costs, and how many people depend on you.
- Your bank: your account number and sort code, the type of debit card you have (not the card number) and whether your income is paid into that account.
- Technical details: your IP address and browser information, and a reference number for your application.
We save your answers as you go through the form, so we may hold an unfinished application even if you don't send it.
When you contact us
If you use our contact, complaint, extra support or mortgage call-back forms, or email us, we collect your name, contact details and whatever you choose to tell us. If you tell us about your health or other personal circumstances so we can support you, that information has extra protection by law – we'll only use it to help you, and only with your agreement.
How we use it, and why
Data protection law says we must have a lawful reason for each way we use your information:
| What we do | Our lawful reason |
|---|---|
| Pass your application to Nouveau Finance and our partner lenders to find you a loan | Steps you've asked us to take so a lender can consider you for a loan |
| Reply to your messages, handle call-back requests and give you extra support | Our legitimate interest in helping you – and, for health or similar information, your explicit consent |
| Pass a mortgage call-back request to an FCA-authorised mortgage broker | Your consent, given when you send the request |
| Prevent fraud and protect our website from misuse | Our legitimate interest in keeping our service and our customers safe |
| Handle complaints, keep records and meet our regulatory duties | Our legal duties, plus our legitimate interest in settling disputes |
We don't use your information for marketing, and we don't sell it or share it with anyone for their marketing.
Who we share it with
- Nouveau Finance Limited (company number 08470456), which runs the platform that matches your application with the lenders on our panel.
- Our partner lenders. A lender that receives your application becomes responsible for how it uses your information, and will explain this in its own privacy notice.
- FCA-authorised mortgage brokers, only if you ask us for a mortgage call-back.
- Companies that provide services to us, such as website hosting (Amazon Web Services, in London), email, and website security (Cloudflare). They may only use your information to provide their service to us.
- Regulators, law enforcement and courts, where the law requires it or to prevent fraud and crime.
- A future owner of our business, if our business or brand is ever sold, so they can carry on providing the service.
Credit checks and automated decisions
We don't search credit reference agencies ourselves. The partner lenders who consider your application will check your details with credit reference and fraud prevention agencies. The checks made to give you a decision through our site are soft searches, which leave your credit score untouched. Should you go ahead with a lender's offer, it will make a full credit check – and warn you first.
The three main credit reference agencies explain how they use your information in the Credit Reference Agency Information Notice (CRAIN), available from Experian, Equifax and TransUnion.
Lenders use automated systems to give you an instant decision. If an automated decision turns you down, the lender must – when you ask – have a member of staff look at it again, listen to your side and explain how the decision was reached.
How long we keep it
- Submitted applications: 6 years, so we can deal with any complaint or legal claim and meet our regulatory duties.
- Unfinished applications: 30 days, then deleted.
- Messages and call-back requests: as long as we need to deal with them, and no more than 2 years.
- Complaints: 6 years after the complaint is closed.
Where it is stored
Our website and the information you give us through it are stored on servers in London, UK. Some of our service providers, such as our website security provider, may process limited technical information outside the UK. Where they do, the law requires appropriate safeguards to be in place.
We protect your information with secure, encrypted connections and by limiting access to the people who need it. No system can be completely secure, but we take care to keep the risks low.
Cookies
This website doesn't use tracking or advertising cookies, and we don't use analytics tools such as Google Analytics. Our forms may use a security check from Cloudflare to tell people apart from automated spam. It may store a small amount of information in your browser so that it works, but it isn't used to track you or show you adverts.
Your rights
Data protection law lets you:
- get a copy of what we hold on you, at no cost
- have mistakes fixed, or gaps filled in
- have your details erased once we no longer need them
- restrict or object to the way we use them
- move the details you provided elsewhere, in a format another organisation can use
- change your mind about any consent you've given
- have a human look again at an automated decision
Just email help@chequecentre.co.uk or send us a letter. We'll respond within one month. For information a lender holds about you, please contact that lender.
Complaints
If you're unhappy with how we've handled your information, please tell us first and we'll try to put it right – see our complaints page. The Information Commissioner's Office also handles data protection complaints, at ico.org.uk or on 0303 123 1113.
Changes to this policy
We'll update this policy if the way we use your information changes. This version was last updated in October 2026.