Privacy Policy

1. Who We Are

Albot.co.uk is operated by Albot, Inc., a company registered in the United States (Delaware).

Albot, Inc. is a group company of Loan.co.uk Ltd. We provide lead generation, technology, and data processing services. We do not provide financial advice and are not authorised or regulated by the Financial Conduct Authority (FCA).

Where regulated mortgage, secured loan, bridging loan, or insurance advice is required, your enquiry may be introduced to:

2. What This Policy Covers

This Privacy Policy explains:

• What personal data we collect about you
• How and why we collect it
• How we use your data, including our use of AI technology
• Who we share your data with and why
• How we store and protect your data
• Your rights regarding your personal data

3. Information We Collect

We collect different types of information depending on how you interact with us:

Personal Identification Information

• Full name and title
• Date of birth
• Email address
• Telephone number(s)
• Residential address and postcode
• Previous addresses (if relevant)
• Residential status (homeowner, tenant, etc.)
• Marital status and number of dependents
• Nationality and residency status

Financial Information

• Employment status and occupation
• Employer name and details
• Income details (salary, self-employment income, other income)
• Monthly expenditure and financial commitments
• Existing debts, loans, and credit commitments
• Bank account details (for verification purposes only)
• Credit history overview (as disclosed by you)

Property Information

• Property address and type
• Estimated property value
• Outstanding mortgage balance
• Current mortgage lender and rate
• Property ownership details
• Rental income (if applicable)

Loan/Mortgage Requirements

• Amount you wish to borrow
• Purpose of the loan or mortgage
• Preferred loan term
• Repayment preferences
• Urgency and timeline

Protection/Insurance Information

• Health information (smoker status, general health questions)
• Existing insurance policies
• Cover requirements and preferences

Technical Information

• IP address
• Browser type and version
• Device type and operating system
• Screen resolution
• Pages visited and time spent
• Referring website or source
• Click patterns and interactions
• Cookie identifiers

Communication Records

• Chat transcripts with our AI assistant
• Email correspondence
• Telephone call recordings (where applicable)
• Notes from any conversations

4. How We Collect Information

We collect information through various means:

Directly From You

• When you interact with our AI assistant (Albot)
• When you complete forms on our website
• When you contact us by email, phone, or other means
• When you subscribe to our communications

Automatically

• Through cookies and similar tracking technologies when you visit our website
• Through analytics tools that monitor website usage
• Through your device and browser settings

From Third Parties

• Marketing partners and affiliates who refer you to us
• Comparison websites or lead generation partners
• Publicly available sources (e.g., electoral roll, Companies House)
• Loan.co.uk Ltd (where you have an existing relationship)

5. Why We Use Your Information

We use your personal data for the following purposes:

Purpose	Examples
Providing Our Services	Understanding your requirements, generating indicative quotes, assessing suitability for products, introducing your enquiry to Loan.co.uk Ltd or other appropriate parties
Communication	Responding to your enquiries, providing updates on your application, sending relevant information about products and services
Verification	Confirming your identity, verifying the accuracy of information provided, detecting and preventing fraud
Improvement	Analysing how our website and services are used, improving our AI assistant, developing new features and services
Marketing	Sending promotional communications (with your consent), remarketing to users who have shown interest, personalising content and offers
Legal & Regulatory	Complying with legal obligations, responding to lawful requests from authorities, protecting our legal rights
Security	Protecting our systems and data, detecting and preventing cyber attacks, ensuring website integrity

6. Legal Basis for Processing

Under data protection law, we must have a valid legal basis for processing your personal data. We rely on the following:

Consent

Where you have given clear consent for us to process your data for specific purposes. This includes:

• Submitting your information through our website or AI assistant
• Opting in to receive marketing communications
• Agreeing to cookies and tracking

You can withdraw consent at any time by contacting us.

Legitimate Interests

Where processing is necessary for our legitimate business interests, provided these don’t override your rights. This includes:

• Providing and improving our services
• Marketing our services to existing enquirers
• Analysing website usage and performance
• Preventing fraud and ensuring security
• Administering our business

Legal Obligation

Where we need to process data to comply with a legal requirement, such as:

• Responding to lawful requests from law enforcement
• Meeting regulatory requirements
• Tax and accounting obligations

Contractual Necessity

Where processing is necessary to provide services you have requested or to take steps before entering into an arrangement.

7. AI and Automated Processing

How We Use AI

Our AI assistant (Albot) is used to:

• Conduct initial conversations: Gathering information about your requirements through natural language chat
• Assess basic eligibility: Determining whether your enquiry may be suitable for introduction to Loan.co.uk Ltd
• Provide information: Answering questions about loan, mortgage, and insurance products
• Generate indicative outcomes: Providing preliminary estimates or information based on your inputs
• Process and structure data: Organising the information you provide for efficient handling

What AI Does NOT Do

• AI does not provide regulated financial advice
• AI does not make final lending or insurance decisions
• AI does not replace human advisers for product recommendations
• AI does not access external databases or credit files without your knowledge

Automated Decision-Making

We may use automated processes to:

• Filter enquiries based on basic eligibility criteria (e.g., age, property ownership)
• Route enquiries to appropriate services
• Prioritise urgent enquiries
• Generate initial assessments of suitability

These automated decisions help us process enquiries efficiently but do not result in legally binding decisions about your access to financial products. Final decisions about lending and insurance are made by regulated firms with human oversight.

Recording and Storage

Conversations with our AI assistant are:

• Recorded and stored securely
• Used to fulfil your enquiry
• Analysed to improve our AI systems
• Retained in accordance with our data retention policy

Your Rights Regarding AI

You have the right to:

• Request human review of any automated assessment
• Express your views about automated decisions
• Contest automated decisions
• Request information about the logic involved in automated processing

To exercise these rights, please contact us using the details below.

8. Who We Share Your Data With

We may share your personal data with the following categories of recipients:

Loan.co.uk Ltd (Parent Company)

Your primary data is shared with Loan.co.uk Ltd when we introduce your enquiry for advice and processing. They will use this information to:

• Provide regulated financial advice
• Process your application with lenders and insurers
• Contact you about your enquiry
• Fulfil regulatory obligations

Lenders and Insurers

Through Loan.co.uk Ltd, your information may be shared with:

• Mortgage lenders
• Secured loan providers
• Bridging finance lenders
• Life insurance and protection providers

This sharing is necessary to process your application and obtain quotes or offers.

Credit Reference Agencies

Loan.co.uk Ltd may share your information with credit reference agencies (such as Experian, Equifax, or TransUnion) to:

• Verify your identity
• Assess creditworthiness
• Prevent fraud
• Trace debtors

Credit checks may leave a footprint on your credit file. Loan.co.uk Ltd will explain when hard or soft searches will be performed.

Fraud Prevention Services

We and our partners may share data with fraud prevention agencies and services to:

• Detect and prevent fraud
• Verify identity and address
• Assess risk

Identity Verification Services

We may use third-party services to verify:

• Your identity
• Your address
• Information you have provided

Technology and Service Providers

We work with trusted providers who help us operate our business:

• Cloud hosting and infrastructure providers
• AI and machine learning platforms
• Customer relationship management (CRM) systems
• Email and communication platforms
• Analytics and monitoring services
• Security and fraud detection services

These providers act as data processors and only process data on our instructions.

Marketing Partners

With your consent, we may share data with:

• Advertising platforms for remarketing
• Email marketing services
• Social media platforms for targeted advertising

Professional Advisers

We may share data with our professional advisers, including:

• Lawyers and legal advisers
• Accountants and auditors
• Consultants

Regulatory and Legal Authorities

We may disclose data where required by law or to:

• The Financial Conduct Authority (FCA)
• The Information Commissioner’s Office (ICO)
• Law enforcement agencies
• Courts and tribunals
• Other regulatory bodies

Business Transfers

If Albot, Inc. is involved in a merger, acquisition, or sale of assets, your data may be transferred to the new owner.

9. Where Your Data is Stored

Primary Storage

Your personal data is stored on servers located in:

• United Kingdom
• European Union (EU/EEA)

These locations are subject to UK GDPR and EU GDPR, providing strong data protection standards.

International Transfers

In some circumstances, your data may be transferred to or accessed from countries outside the UK/EU, including the United States. This may occur when:

• Using certain technology or service providers
• Providing support or services
• Communicating with our US-based parent company for administrative purposes

Safeguards for International Transfers

Where we transfer data internationally, we ensure appropriate safeguards are in place, such as:

• Standard Contractual Clauses (SCCs) approved by the UK/EU
• Adequacy decisions where applicable
• Binding corporate rules
• Other legally approved transfer mechanisms

You can request more information about these safeguards by contacting us.

10. How Long We Keep Your Data

We retain personal data only for as long as necessary for the purposes for which it was collected. Retention periods depend on:

Data Type	Retention Period
Enquiry data (not progressed)	Up to 3 years from last contact
Enquiry data (introduced to Loan.co.uk)	Up to 6 years from completion or last activity
AI chat transcripts	Up to 3 years from conversation
Marketing consent records	Duration of consent plus 2 years
Technical/analytics data	Up to 26 months
Complaints and disputes	Up to 6 years from resolution

We may retain data longer where required by law, for ongoing legal proceedings, or to establish, exercise, or defend legal claims.

Data Disposal

When data is no longer required, it is securely deleted or anonymised in accordance with our data disposal procedures.

11. How We Protect Your Data

We take the security of your personal data seriously and implement appropriate technical and organisational measures, including:

Technical Measures

• Encryption of data in transit (TLS/SSL) and at rest
• Secure server infrastructure with firewall protection
• Regular security testing and vulnerability assessments
• Intrusion detection and monitoring systems
• Secure backup and disaster recovery procedures
• Multi-factor authentication for system access

Organisational Measures

• Access controls limiting data access to authorised personnel
• Staff training on data protection and security
• Confidentiality agreements with employees and contractors
• Due diligence on third-party service providers
• Incident response procedures
• Regular review of security policies

12. Your Rights

Under UK GDPR and data protection law, you have the following rights:

Right of Access

You can request a copy of the personal data we hold about you. This is commonly called a “Subject Access Request” (SAR).

Right to Rectification

You can ask us to correct inaccurate or incomplete personal data.

Right to Erasure

You can request deletion of your personal data in certain circumstances, such as when it is no longer necessary for the purpose it was collected.

Right to Restrict Processing

You can ask us to limit how we use your data while concerns are being investigated.

Right to Data Portability

You can request your data in a structured, commonly used, machine-readable format and have it transferred to another organisation.

Right to Object

You can object to processing based on legitimate interests or for direct marketing purposes.

Rights Related to Automated Decision-Making

You have the right to request human intervention in automated decisions and to contest such decisions.

Right to Withdraw Consent

Where processing is based on consent, you can withdraw it at any time without affecting the lawfulness of prior processing.

Exercising Your Rights

To exercise any of these rights, please contact us at:

• Email: privacy@albot.co.uk
• Post: Albot, Inc., 1111B S Governors Ave STE 98729, Dover, DE 19904, USA

We will respond to your request within one month. This may be extended by two months for complex requests, in which case we will inform you.

We may need to verify your identity before processing your request.

13. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Ensure the website functions correctly
• Remember your preferences
• Analyse website traffic and usage
• Deliver relevant advertising
• Improve your experience

Types of Cookies

• Essential Cookies: Required for basic website functionality
• Performance Cookies: Help us understand how visitors use our site
• Functionality Cookies: Remember your preferences
• Marketing Cookies: Track your activity for advertising purposes

Managing Cookies

You can manage your cookie preferences through:

• Our cookie consent banner when you first visit
• Your browser settings
• Third-party opt-out tools

For full details, please see our separate Cookie Policy.

14. Marketing Communications

We may contact you about products and services that may interest you. This includes:

• Information about loan, mortgage, and insurance products
• Updates about our services
• Offers and promotions
• Newsletters and educational content

Marketing Channels

We may contact you via:

• Email
• SMS/text message
• Telephone
• Post
• Online advertising (remarketing)

Your Choices

You will only receive marketing communications where:

• You have given your consent; or
• You have an existing relationship with us and have not opted out

Opting Out

You can opt out of marketing at any time by:

• Clicking the “unsubscribe” link in any marketing email
• Replying “STOP” to any marketing SMS
• Contacting us at privacy@albot.co.uk
• Telling us during any telephone call

Please note that opting out of marketing will not affect service-related communications about your enquiry.

15. Children’s Privacy

Our services are not directed at children under 18, and we do not knowingly collect personal data from children.

To apply for loans, mortgages, or insurance, you must be at least 18 years old.

If we become aware that we have collected data from a child, we will delete it promptly. If you believe we have collected data from a child, please contact us immediately.

16. Third-Party Links

Our website may contain links to third-party websites, such as:

• Loan.co.uk Ltd
• The Financial Conduct Authority
• The Information Commissioner’s Office
• Social media platforms

We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies before providing any personal data.

17. Complaints

If you are unhappy with how we have handled your personal data, please contact us first so we can try to resolve your concerns.

If you remain unsatisfied, you have the right to lodge a complaint with a supervisory authority. In the UK, this is:

18. Changes to This Policy

We may update this Privacy Policy from time to time to reflect:

• Changes to our services or practices
• Changes in law or regulation
• Feedback from users
• Business developments

When we make changes, we will:

• Update the version number and date at the top of this policy
• Post the revised policy on our website
• Notify you of significant changes by email or website notice where appropriate

We encourage you to review this policy periodically. Continued use of our website and services after changes are posted constitutes acceptance of the revised policy.

19. Contact Us

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

For enquiries about regulated financial services or applications processed by Loan.co.uk Ltd, please contact them directly:

© 2026 Albot, Inc. All Rights Reserved.
Albot.co.uk is a trading style of Albot, Inc., a group company of Loan.co.uk Ltd.