Privacy Policy
Last updated: December 12, 2025
1. Introduction
We value your privacy. This policy explains how On The Go Credit collects, uses, and protects your personal data in line with UK GDPR and the Data Protection Act 2018.
2. Data Controller
On The Go Credit, operated by [Your Company Name Ltd], is the Data Controller. ICO Registration No. [Z-XXXX-XXX]. Contact our Data Protection Officer at dpo@onthegocredit.co.uk.
3. Data We Collect
- Account data (name, email, contact details)
- Payment data (processed via Stripe Payments UK Ltd)
- Credit data (from Experian, Equifax, TransUnion with your consent)
- Bank data (via Stripe Financial Connections)
- Technical data (IP address, device information, usage logs)
4. Lawful Basis for Processing
- Consent — for retrieving and furnishing credit data
- Contract — to provide your subscription services
- Legal Obligation — to meet FCA and HMRC requirements
- Legitimate Interest — to maintain security and improve our services
5. Sharing Your Information
We only share data with trusted partners under strict agreements:
- Credit reference agencies (Experian, Equifax, TransUnion)
- Payment processors (Stripe Payments UK Ltd)
- Open-banking partners for financial connections
- Regulators and law enforcement when required by law
6. Data Security & Retention
All data is encrypted in transit and at rest (AES-256). Access is restricted by role and logged. We retain data only as long as necessary for contractual or regulatory reasons (max 6 years after account closure).
7. Your Rights
You can request to access, correct, delete, or port your data. You can withdraw consent at any time in your account settings or by emailing dpo@onthegocredit.co.uk.
8. Cookies & Tracking
We use essential cookies for authentication and analytics to improve our service. You can manage preferences in your browser or via our cookie banner.
9. Complaints
If you believe your data rights have been breached, contact us first. You also have the right to complain to the Information Commissioner’s Office (ico.org.uk).