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Privacy Policy


This Privacy Policy applies to which is owned and operated by Greenlight Credit Limited.

At Varooma we believe that privacy and trust are instrumental in the continued growth of the internet and the electronic data services it provides. It is policy that all information be handled in a fair and responsible manner. Therefore, in order to inform you of our policies and activities with respect to the collection, use and transfer of personal data, Varooma is providing you with an electronic copy of this Policy.

Varooma is registered as a data controller for the purposes of the data protection Act 1998. We are committed to preserving and protecting the personal information that you have provided to us. Please read the following privacy policy to understand how we use and protect the information that you provide to us.

By registering on this website, you consent to the collection, use and transfer of your information under the terms of this policy.

Information collected by us

When you visit and register on our website you may be asked to provide personal information about yourself, including such data as your name, address, email address, phone number, title, employment data and vehicle registration number. We may also collect information about your usage of our website as well as information about you from messages you post to the website and email or letters you send to us.

We may use this data for a number of reasons, including statistical analysis; to assist in the development of our product range and improve existing products; to update personal records; in the assessment of lending risk; to identify which of our products or partners products may be of some interest to you; in the products or services we offer to third parties.

We shall also use the data to help identify and prevent fraud, money laundering and other criminal activities.

We may also collect information from outside sources such as credit reference agencies and customer service providers in order to help us make decisions regarding credit.

Information about your computer may also be collected if it is available, such as your IP address, type of browser you are using and computer operating system. This is in order to help us improve our systems and website.

Use of your information

We keep and use information about you, which is, name, address, home and mobile numbers, email address, date of birth, employment, banking details. Any other information we ask about you when we are completing your application. Details of other loans you have had or currently have and details of loans you have with us or have had in the past.

We may use any other information which we reasonably need to operate your account or to meet regulatory obligations.

Any phone numbers you contact us on we may use to call you back on.

Any debit card details that you provide us with may be kept and if you make a loan application with us and are successful the debit card details may be used to take payments, unless you advise us otherwise.

Medical information about yourself that we have been given may be used to help us make a decision about any applications with us or any ongoing accounts.

We can use your information so we meet any requirements we have from regulators.

We can use the information you provide us to recover any debt you may owe us.

The information you provide us can be used to locate you.

Your information can be used when we test our operating systems.

When we carry out audits your personal information may be used.

Where research is carried out by educational institutions or government bodies your information may be used.

Your information may be used for market research purposes.

Your information may be used in order to make your application and manage your account with us, as well as in regards to any communication you have with us.

To understand you more as a customer and to provide services or products that may be of interest to you in the future.

To prevent and tackle fraud or other crimes.

We may use your information to contact you for marketing purposes either by email, telephone, SMS, direct mail or other forms of marketing that we may use.

We may possibly use your information to carry out business analysis.

Any information we have about you may be used to make credit decisions about whether to lend to you.

We share personal data for crime and fraud prevention and the apprehension and prosecution of offenders.


  • Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.
  • The personal data you have provided, we have collected from you, or we have received from third parties will be will be used to prevent fraud and money laundering, and to verify your identity.
  • Details of the personal information that will be processed, for example: name, address, date of birth, address, contact details, financial information, employment details, device identifiers including IP address and vehicle details.
  • We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
  • We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.
  • Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

Consequences of Processing

  • If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or to employ you, or we may stop providing existing services to you.
  • A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details provided.

Data Transfers

  • Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.

Your Rights

  • Your personal data is protected by legal rights, which include your rights to object to our processing of your personal data; request that your personal data is erased or corrected; request access to your personal data.
  • For more information or to exercise your data protection rights please, please contact us using the contact details provided.
  • You also have a right to complain to the Information Commissioner's Office which regulates the processing of personal data.

Disclosure of your information

Where appropriate we may pass or sell data to third parties that help us to process data.

We share information about you:

  • Internally within Greenlight Credit Limited.
  • With any company that we use to collect payments or debts on our behalf.
  • With any payment processing software or company that we use or maintain either internally or externally.
  • With any law enforcement authorities involved in terrorism prevention, this also pertains to authorities outside the United Kingdom.
  • With anyone who we transfer our business details to in the event of the business being sold and purchased by someone else. The purchaser may be able to use your details in the same way we are using them.
  • Where we are requested by government bodies and organisations, authorities, tax authorities, and ombudsmen, not just in the UK but overseas if requested.
  • With fraud prevention agencies.

Security and data retention

We employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage. We will retain your information for a reasonable period or as long as the law requires.

Accessing and updating

You are entitled to see the information held about you and may ask us to make any necessary changes to ensure that it is accurate and kept up to date. If you wish to do this, please contact us. We are entitled by law to charge a fee of £10 to meet our costs in providing you with details of the information we hold about you.

You can ask us to amend or remove information about you that you think is incorrect.

Changes to Our Privacy Policy

Any changes to our privacy policy in the future will be posted to the site and, where appropriate, through email notification.

Links to third party websites

We do not accept any responsibility for third party websites that we link to. These websites have terms and conditions and privacy policies that are different to the one on this site and we have no control over these sites.

Social media

Any like buttons or interactive social media icons that are on the site in some cases can collect your IP address and track the pages you are visiting on the website. If it is a third party site that provides the widget, the company that owns the widget is responsible for it’s terms and conditions.


All comments, queries and requests relating to our use of your information are welcomed and should be emailed to

Responsible Lending

We assess all applications carefully and only offer loans to people we believe can afford to pay them back and never guarantee approval.


Amount of Loan £1000.00. Repayable by 12 monthly repayments of £141.67 or 52 weekly repayments of £32.69
commencing 1 month from the date of the loan. Total Amount Repayable £1700.04.

Rate of Interest 70% per annum flat fixed. Representative 190.3% APR.

Warning: Late repayments can cause you serious money problems. For help or advice please go to