Privacy Policy

We value your privacy.

1. SUMMARY

This Policy provides you with details about the personal information we collect from you, how we use your personal information and your rights to control personal information we hold about you. Please read it carefully.

By accessing or browsing this website or applying for a loan, a deposit or one of our products, you confirm that you have read and agree to our Privacy Policy.

Individuals under the age of 18 are not permitted to use the services provided through our website and we will not knowingly collect any personal information in respect of anyone under 18.

We take our privacy obligations seriously. If you have any questions or concerns, please do not hesitate to contact us.

2. WHO WE ARE

We are Amplifi Capital (U.K.) Limited (‘we’, ‘our’, ‘us’) and operate as a lender under the name Reevo Money and as a credit broker under the name My Community Finance. This Policy covers how we collect, use and share your personal information in our capacity as both a lender and credit broker.

We are authorised and regulated by the Financial Conduct Authority with permission to enter into regulated credit agreements as lender, and to act as a credit broker, with firm reference number 718749.

We are registered with the UK data protection authority (the Information Commissioner’s Office or ICO) under number ZA040320.

3. DATA PROTECTION OFFICER

Our data protection officer (DPO) is responsible for overseeing questions about our Privacy Policy. If you have any questions, including any requests to exercise your legal rights, please use the details below.

Data Protection Officer

Amplifi Capital (U.K.) Limited

Email address: dpo@amplificapital.com

Postal address: Amplifi Capital, 30 Churchill Place, Canary Wharf, London E14 5EU, UK.

4. THE PERSONAL INFORMATION WE COLLECT ABOUT YOU

We will only use your personal information when Data Protection Regulation allows us to do so. In this section, we explain our legal basis for using your information and how we use it.

We will use your personal information where:

we need to perform the contract we have with you or to enter into a contract with you
it is necessary for our legitimate interests (or those of a third party), such as for fraud prevention, credit referencing and credit checking, offering our products and services to you, carrying out checks to make sure our products and services run smoothly for you, communicating and managing our relationship with you, administration and protecting our business; and where your interests and fundamental rights do not override those legitimate interests
we need to comply with laws, regulations or court orders
you give us your consent to use your information. You don’t have to give us consent. But if you don’t, we may not be able to process your application or provide our services or products to you

When you access the Amplifi or My Community Finance websites, online portals or apps, provide any information to us using the online forms provided, over the telephone, or by electronic transfer, we may collect some or all of the following types of information:

Name and contact information
Date of birth
Employment details
Financial details
Location and device information
Other details to assess suitability for our products

We may also receive the above types of information about you from your lender, potential lender, aggregators such as a price comparison site or credit reference and fraud prevention agencies.

If we make it available and you have signed up to the Open Banking service through our trusted partner, consents.online, we are able to retrieve with your permission your bank statements. This information is shared securely with our systems and aids the processing of your loan application and in connection with any potential future products and services. You may revoke this access via your online banking portal. The access is only to obtain your bank statements automatically and cannot be used by our systems to make withdrawals or deposits in relation to your bank account.

More details are available at: https://consents.online/

5. HOW WE MAY USE YOUR INFORMATION

We may use your information to provide you with access to our website and app and enable you to register for an online account and also to:

enable you to make applications to become a borrower
let you know about our fees and charges
enable you to view details of our current credit products available
make credit, fraud prevention and other similar enquiries into your financial standing in order to make lending decisions about you (see the credit reference and fraud prevention agencies below for more details)
process, administer or perform credit agreements and lending activities
exercise our rights under contracts we have with you, such as collecting money you owe us
carry out any service or product development analysis, statistical or other purposes
provide you with information, products and services which we provide which either you request, or which we feel will be of interest to you, which may include information about products or services provided by third parties we work with, unless you tell us you do not want to receive this information as to which, see “Direct Marketing – Your Right to Opt Out’ section below
contact you for market research purposes
track, analyse and improve our products and services

6. WHO WE SHARE YOUR PERSONAL INFORMATION WITH

We will never sell your personal information and will always keep it safe and private.

We may share your information with the following parties described below.

Group companies and relevant parties

We may share your personal information with:

companies within our corporate group;
any third party which is interested in buying the entire or substantial part of our business and assets, as part of a negotiation or sale process; and
any third party who provides finance to us or has entered into negotiations with us to provide financing to us.

Companies that we work with

We may share your personal information with:

our contractors or third parties that carry out work on our behalf and help us to provide services and products you use;
credit unions or potential lenders or underwriters in relation to your application to become a borrower. This includes the following credit unions;

Provider	Brand
Brent Shrine Credit Union Limited	My Community Bank
North Edinburgh and Castle Credit Union Limited	Castle Community Bank

credit reference and fraud prevention agencies. More information about this is set out below;
third parties including other credit brokers, with your consent, who may be able to offer alternative lending or other services to you where we have declined your application;

service providers who provide IT and system administration and other services to us;
professional advisers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services to us;
debt purchasing companies, if you default on any borrowing with us. Any debt purchasers we work with are regulated by the Financial Conduct Authority;

And also specifically with:

Gojoko Marketing Limited, to help us with IT, system administration and other services, so that we can provide you with our services;
AccountScore Limited, to help us with categorisation of your transaction data, so that we can provide you with our services; and
PayPoint Payment Services Limited, to provide us with bank account verification services. Their privacy policy can be found at https://paypoint.com/privacy-statement
Paylink Solutions Limited and Paylink Outsource Services Limited trading as Paylink (ReFi), for the purpose of arranging and disbursing funds in connection with a consolidation loan granted to you by one of the credit unions we work with;
iovation, Inc. to support our fraud protection measures and you can view their privacy policy at https://www.transunion.com/privacy/iovation/

We may share your information with the above third parties so they can help us provide our services or products to you. We make sure that anyone we work with keeps your personal information safe. We don’t let our third party service providers who process your personal information on our behalf use your personal information for their own purposes. We only allow them to process your personal information for specified purposes and in accordance with our instructions.

7. HOW DO WE MAKE AUTOMATED DECISIONS ABOUT YOU

We may use computers to make lending decisions. In other words, we may use technology that can evaluate your personal circumstances and other factors to predict risks and outcomes. This may also be known as profiling. The automatic decision-making process considers various factors, such as your income, residency, financial position, fraud and other risk and relevant factors. We do this to speed up the loan application process for suitable borrowers.

This is necessary for our ‘legitimate interest’ and meeting with our legal responsibilities. If you meet with certain pre-determined criteria, our computer systems will automatically approve and process your application. If we determine that you pose a fraud or money laundering risk based solely on automated decision-making, we may refuse to provide the requested services or financing to you or we may stop providing existing services to you.

If you want to know more about the rights you have about automated decision making, please contact us using the details above.

8. CREDIT REFERENCE AND FRAUD PREVENTION AGENCIES

Credit Reference Agencies

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (CRAs). We may also make periodic searches at CRAs to manage your account with us.

To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit or loan application and about your financial situation and financial history and data for collections and recoveries management. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information, and data for collections and recoveries management and fraud prevention information.

We will use this information to:

Assess your creditworthiness and whether you can afford to take the product
Assess your eligibility to products or services provided by us or our partners
Verify the accuracy of the data you have provided to us
Prevent criminal activity, fraud and money laundering
Manage your account(s)
Trace and recover debts
Ensure any offers provided to you are appropriate to your circumstances

If you sign a credit agreement with us, we will give details of your account(s) and how you manage it/them to the CRAs. We will continue to exchange information about you with CRAs while you are our customer. This includes:

Your name, address and date of birth;
Accounts you have, including when you opened them and money going into them (if you owe us money, we will also share your balance);
Credit applications you have made;
If you have borrowed, details of your loan and repayments; and
Fraud prevention information.

We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. Please be aware this information may be supplied to other organisations by CRAs.

Contacting the Credit Reference Agencies

You can contact the CRAs currently operating in the UK. The information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

Their contact details are:

- Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk. Their privacy notice can be accessed here: www.experian.co.uk/legal/crain/. Their Identity and Fraud privacy notice can be accessed here: www.experian.co.uk/crain/idf-information-notice.

-TransUnion LLC, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414, and you can view the TransUnion Bureau privacy notice at www.transunion.co.uk/legal/crain;

- Equifax PLC, Credit File Advice Centre, PO Box 2001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.equifax.co.uk; and you can view the Equifax Bureau privacy notice at www.equifax.co.uk/privacy-hub/crain;

Fraud Prevention Agencies (FPAs), Law Enforcement and Regulators

When you make an application with us, we check your record with Fraud Prevention Agencies (FPAs) like Cifas. During the application process and after you become a customer, we may share information about you with FPAs to help prevent fraud and money laundering when it is in our legitimate interest.

If we detect fraud, we may stop activity on your account and prevent you from using it. Other organisations may use information we share with FPAs about fraud to refuse their services, finance or employment.

For more information about the details we collect from and share with Cifas, and how they use your personal information, see Cifas’ Fair Processing Notices.

We may also share your information if we are required to do so by any applicable law. For example, if we are instructed to, we may share your personal information with any governmental body or law enforcement agency.

9. USING THIRD PARTIES AND TRANSFERRING YOUR INFORMATION INTERNATIONALLY

We may transfer your personal information or make it accessible to companies who are outside the UK or the European Economic Area (“EEA”) for operational reasons.

We may transfer your personal information or make it accessible if it is necessary for:

the performance of an agreement between you and us;
the completion of certain steps before providing the service you requested; or
the fulfilment or performance of an agreement that benefits you between us and our partners.

For example, your personal information may be transferred to or made accessible to staff of Gojoko Technologies (India) Private Limited, who are outside the EEA, namely in India, and who work for us.

Where this occurs, we will put adequate safeguards in place to ensure that your personal information remains protected in a manner that is consistent with how it would be protected under UK and EU data protection laws.

If you would like further details in relation to the countries to which your personal information is currently transferred, and the safeguards that are in place in relation to the transfer, please contact us using the details above.

We require all third parties to respect the security of your personal information and to treat it in accordance with the law. We do not allow our third party service providers who process your personal information on our behalf to use your personal information for their own purposes and only permit them to process your personal information for specified purposes and in accordance with our instructions.

10. HOW LONG WE WILL STORE YOUR PERSONAL INFORMATION

We will only retain your personal information for as long as reasonably necessary to fulfil the purposes we have collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements.

Most account records are usually retained for 6 years after your account has been closed.

We may retain your personal information for a longer period if we need to (and it is in our legitimate interest) and/or the law says we have to.

11. YOUR LEGAL RIGHTS AND MAKING A COMPLAINT

Under certain circumstances, you have rights under data protection laws in relation to your personal information, including:

the right to request access to your personal information
the right to request correction of your personal information
the right to request erasure of your personal information
the right to object to processing of your personal information
the right to request restriction of processing your personal information
the right to request transfer of your personal information
rights related to automated decision-making including profiling

You also have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

If you wish to exercise any of the rights set out above, please contact us or our DPO using the details above.

12. DIRECT MARKETING - YOUR RIGHT TO OPT OUT

When you apply for a product with or through us, we ask you if you would like to receive direct marketing from us. If you do not want to receive direct marketing from us, we offer simple options to opt-out anytime. You can update your preferences in your online portal or click the unsubscribe link on any marketing emails we send to you.

If you unsubscribe from marketing, we will still send you statements and important information, such as notices that the law says we have to provide to you, as well as tell you about changes to your existing products and services to meet our legal obligations to you.

13. HOW WE WILL KEEP YOU UPDATED

We will post any changes to our Policy on this page. If we make significant changes, we will contact you to let you know.

This Policy was last updated in April 2025.