Privacy policy.

Introduction

TAL Marketing Group Ltd ("we", "us", "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share and store your information when you use any of our services, in compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2003 (PECR) and other applicable laws.

This policy applies to all brands operated by TAL Marketing Group Ltd:

• Leadly – our performance marketing and lead generation agency, providing services to businesses
• swoppa – credit report services provided directly to you
• Loaneo – helping you find consumer credit through our partner brokers and lenders
• ViewThru – credit search services, including Instant Search Alerts, for claims companies and other regulated partners

Where a section applies only to one brand, we say so.

TAL Marketing Group Ltd is an appointed representative of Creative Finance Corp LTD under reference FRN 968428. Creative Finance Corp LTD is authorised and regulated by the Financial Conduct Authority under reference FRN 702435.

Data Controller

TAL Marketing Group Ltd is the data controller responsible for your personal data. We are a company registered in England and Wales with company number 10612899 and are registered as a data controller with the Information Commissioner's Office (ICO). Our registered address is:

2-4 Loom Street, Manchester, M4 6AN

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

• Phone: 0161 706 1710
• Email: hello@leadly.co.uk, or the email address for the brand you have used:
  • swoppa: hello@swoppa.co.uk
  • Loaneo: hello@loaneo.co.uk
  • ViewThru: hello@viewthru.co.uk

What Data We Collect About You

We may collect, use, store and transfer the following types of personal data:

• Basic Personal Data: Name, date of birth, address, email address, phone number.
• Financial Data: Information about your lender, product type, loan balance and credit profile for credit search purposes.
• Loan Application Data (Loaneo): Employment details (including place of work and income), details of expenditure, bank details, credit history, information about your dependants and, where needed for identity checks, passport or driving licence details.
• Credit Search Monitoring Data (ViewThru Instant Search Alert): Information returned from Credit Reference Agencies showing whether another authorised claims company has recently carried out a similar motor-finance-related search in your name, including the name of the firm and the date and time of the search.
• Business Contact Data (Leadly): If you contact Leadly or work for one of our clients, suppliers or prospective clients: your name, company, job title, work email address, work phone number and the content of your enquiry or correspondence.
• Recruitment Data: If you apply for a job with us: your CV, covering letter, employment history, qualifications, contact details and any notes from the recruitment process.
• Technical and Usage Data: IP address, browser and device information, and details of your visits to our websites (such as traffic data, location data and web logs). On the Leadly website, with your consent, this may include identifying the company you are visiting from (see Leadly: Our Marketing Agency Services).
• Marketing Preferences: Your choices about receiving marketing from us and our partners.
• Aggregated/Analytical Data: Non-personal data used for internal reporting and business analysis.

We do not collect any special category data (e.g. health, ethnicity, religious beliefs).

How We Collect Your Data

We collect your personal data from:

• Direct Interactions: When you complete forms on our websites, create an account, apply for a product or a job, or contact us by email, phone or SMS.
• Partners: Such as regulated entities, credit brokers and affiliates, when they request credit search services on your behalf or where you have consented to your information being passed to us.
• Leadly Clients: When we run marketing campaigns on behalf of a client, we may receive or collect personal data for that client (see Leadly: Our Marketing Agency Services).
• Publicly Available Business Sources: Such as company websites, Companies House and professional networking sites, when we identify potential business clients.
• Credit Reference Agencies: We obtain credit search results from Equifax and TransUnion, including previous search data and soft search footprints.
• Ongoing Monitoring (ViewThru Instant Search Alert): We receive updated soft search information from Credit Reference Agencies as part of our regular monitoring service.
• Public Sources and Fraud Prevention Agencies: Such as the electoral register, and identity, address verification and fraud prevention agencies.
• Automated Technologies: Cookies and similar technologies when you use our websites (see Cookies below).

How We Use Your Personal Data

We will only use your personal data when permitted by law. Most commonly, we will use your personal data as follows:

Leadly: Our Marketing Agency Services

Leadly is a performance marketing and lead generation agency. We plan and run advertising, creative, SEO, CRM, email and SMS campaigns for our business clients.

When we act for a client. If you respond to a campaign we run for one of our clients (for example by completing a form on a client's landing page), that client is usually the data controller for your information and we process it on their behalf as a data processor, under a written agreement and only on their instructions. The client's own privacy policy explains how they use your data, and you should contact them to exercise your rights. Where we act as a controller in our own right for a client campaign, we will tell you at the point of collection.

Business contacts. If you contact Leadly, or we contact you about our services, we use your business contact details to respond, to manage our relationship with you and, where permitted by law, to send you information about our services. You can ask us to stop at any time.

Website visitors. With your consent, the Leadly website uses analytics, advertising and visitor identification tools (such as Google Ads, LinkedIn Insight Tag, Pruuv and Leadsy) to measure our marketing and to understand which organisations are interested in our services. See our Cookie Policy for details.

ViewThru Instant Search Alert

ViewThru includes an Instant Search Alert feature. This is a regular monitoring service that checks (through soft searches with our Credit Reference Agency partners) whether any other authorised claims company or law firm has recently carried out a similar motor-finance-related search in your name.

If a new search is detected, ViewThru immediately alerts the claims company you are working with. They may then contact you to explain what has happened and confirm whether you have engaged another firm. This helps protect you from accidentally signing up with more than one claims company, being charged twice for the same work, or becoming confused about who is acting on your behalf.

Soft searches do not affect your credit score and are only visible to you and the Credit Reference Agency. We use this information solely to support responsible claims handling and to help ensure you stay in control of your claim.

Failing to Provide Personal Data

Where we need to collect personal data by law, or to provide a service you have asked for, and you do not provide it, we may not be able to provide that service (for example, a credit search or a loan introduction). We will tell you if this is the case at the time.

Marketing, Advertising and Promotions

With your explicit consent, we may use your contact information (name, email address and phone number) to send you marketing communications (email/SMS) about:

• Services offered by other brands operated by TAL Marketing Group Ltd, including Leadly, swoppa, Loaneo and ViewThru;
• Services offered by M.R. Consumer Services Ltd T/A Mis-sold Expert (www.mis-soldexpert.co.uk);
• Offers, promotions or services from our affiliated partners, such as Submission Technology, and other offers where TAL Marketing Group Ltd acts as a lead generator.

TAL Marketing Group Ltd also acts as a marketing agency and lead generator for M.R. Consumer Services Ltd. We may contact you for the purpose of identifying, assessing or progressing a potential mis-sold vehicle finance claim on your behalf, including any potential Discretionary Commission Arrangement (DCA) claim.

Where you have previously used a similar service from us and not opted out, we may also send you marketing about our own similar services.

Lawful Basis: Consent under Article 6(1)(a) UK GDPR. We will only use or share your data for these purposes where you have opted in. Providing consent is optional and is not required to use our services.

You can withdraw your consent or opt out at any time by:

• Updating your preferences in your account (where available, e.g. swoppa);
• Clicking the unsubscribe link in our emails or following the opt-out instructions in our SMS; or
• Contacting us using the details in this policy.

Withdrawal does not affect the lawfulness of processing carried out before consent was withdrawn.

Cookies

We use cookies and similar technologies on our websites. These include cookies that are strictly necessary to operate the site, as well as analytics and advertising cookies (for example Google Analytics, Google Ads, LinkedIn, Microsoft Bing, Meta/Facebook and Snapchat pixels) that we only set with your consent. When you first visit, our cookie banner lets you accept, reject or customise which categories you allow, and you can change your choice at any time.

For a full, up-to-date list of the cookies we use – including their purpose, provider and duration – please see our Cookie Policy. For more information about cookies, including how to switch them off, visit www.allaboutcookies.org.

Sharing Your Personal Data

We may share your personal data with the following recipients:

We may also share your personal data:

• with credit reference, fraud prevention, law enforcement and identity and address verification agencies, who may record and use your information and disclose it to other organisations for credit reference, debt tracing, fraud and money laundering prevention purposes;
• where we are required to do so for legal or regulatory purposes or as part of legal proceedings; and
• with third parties as part of the sale or transfer of all or part of our business.

Where we use processors, we ensure they have appropriate security measures in place and only process your data on our instructions. Our partners, brokers and lenders have their own privacy policies, and we encourage you to read them.

If you provide details of another person (for example in a joint application), you confirm that you have their consent to do so.

We permit TransUnion to contact you directly to assess how effective our explanation of how your data is used is, and to assess your satisfaction with our services. You have the right to object to any direct contact from TransUnion regarding satisfaction surveys by contacting us using the details provided in this policy.

Credit Reference Agency Information Notice (CRAIN)

If you'd like to understand how credit reference agencies use and share personal data (including the legitimate interests they pursue), please read the Credit Reference Agency Information Notice (CRAIN):

• Equifax: www.equifax.co.uk/privacy-hub/crain
• TransUnion: www.transunion.co.uk/crain

International Transfers

We generally store and process your personal data in the UK and EEA. Some of our service providers (for example Customer.io in the United States) may process your data outside the UK/EEA. Where this happens, we ensure appropriate safeguards are in place, such as the UK International Data Transfer Agreement or the UK Addendum to the EU Standard Contractual Clauses, or the UK-US Data Bridge where the recipient is certified.

Third-Party Links

Our websites may contain links to and from the websites of our partners and affiliates. These websites have their own privacy policies and we do not accept any responsibility or liability for them. Please check these policies before you submit any personal data to those websites.

Data Security

We have implemented appropriate technical and organisational measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way. Access to your personal data is limited to those employees, agents and partners who have a business need to know.

Where you have an account with us, you are responsible for keeping your login details confidential. Although we do our best to protect your information, transmission over the internet is never completely secure, and we cannot guarantee the security of data sent to our websites.

Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, accounting or reporting requirements. In particular:

• Credit search data is generally retained for up to 6 years to comply with FCA rules.
• Marketing preference data is retained until you withdraw your consent or opt out (we keep a record of your opt-out so we do not contact you again).
• Recruitment data for unsuccessful applicants is retained for [6] months after the role is filled, unless you agree to us keeping it longer for future vacancies.

In some circumstances we may anonymise your personal data so that it can no longer be associated with you, in which case we may use it for research or statistical purposes without further notice to you.

Your Rights

Under data protection laws, you have the right to:

• Access: Request a copy of your personal data.
• Rectification: Request correction of any incomplete or inaccurate data.
• Erasure: Request that we delete your personal data in certain circumstances.
• Restriction: Request restriction of processing in certain circumstances.
• Objection: Object to processing where we rely on legitimate interests (including profiling), and to direct marketing at any time.
• Withdrawal of Consent: Where we rely on consent (e.g. for credit searches or marketing), you can withdraw your consent at any time by contacting us.
• Data Portability: Request transfer of your data to another party.

To exercise any of these rights, please contact us using the details in this policy. You will not usually have to pay a fee, although we may charge a reasonable fee, or refuse to comply, if a request is clearly unfounded, repetitive or excessive. We may need to ask for information to confirm your identity. We aim to respond to all legitimate requests within one month; if your request is complex, it may take longer and we will keep you updated.

Complaints

We would appreciate the chance to resolve any concerns first, so please contact us in the first instance. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not complied with applicable data protection laws:

Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Helpline: 0303 123 1113

Website: www.ico.org.uk

Updates to This Policy

We may update this Privacy Policy from time to time. Changes take effect from the date they are posted. Where required by law, we will notify you of material changes.

Contacting Us

If you have any questions about this Privacy Policy, please contact:

TAL Marketing Group Ltd

2-4 Loom Street, Manchester, M4 6AN

Phone: 0161 706 1710

Email: hello@leadly.co.uk | hello@swoppa.co.uk | hello@loaneo.co.uk | hello@viewthru.co.uk

Last Updated: 16/10/2026

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