Legal and Privacy Policy


The products and services featured are only available to residents of the United Kingdom aged over 18 and are subject to status. By accessing and using this website you are agreeing to our Conditions of Use and Privacy statement below. Telephone calls are recorded for training and security purposes.

Central Trust is a trading style of Central Trust Limited.

If users have questions regarding our policies please contact us by e–mailing at

Central Trust Limited

Registered in England – 07020381
Registered Office – St Crispin's House, Duke Street, Norwich, NR3 1PD
VAT number – 765353512
Authorised and Regulated by the Financial Conduct Authority under number 739724

Using your personal information
We will treat all your information as private and confidential (even when you are no longer a client) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan. Where your application has been introduced to us by a third party, for example a credit broker or price comparison website, we may disclose information concerning the progress of your application to them. We will store the information about you on computer and in other records and will take appropriate measures to keep your data secure. We will only use this information for the purposes registered under the Data Protection Act 1998.
Access to your information and correction

The Data Protection Act 1998 gives you rights to request your personal information that we hold about you. We may charge a small administrative fee (currently £10) for supplying the information, and may as appropriate require proof of your identity before doing so. You can ask us to change your personal information to keep it accurate and up to date.

If you want to find out what information we hold about you, please contact us at or write to us at:

Central Trust Limited
2nd Floor
Cassiobury House
11-19 Station Road
WD17 1AP

How we will use your information

In assessing the application for your loan, we make enquiries about you, including searching any records held by credit reference agencies and checking your details with fraud prevention agencies. If you give us false or inaccurate information and we suspect fraud, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We may disclose details of your application and how you conduct your account (including any default) to credit reference and fraud prevention agencies. This information may be used by us and other organisations (i) to help us and others assess the financial risks of dealing check applications and manage credit and credit related accounts or other facilities with you and other members of your household; (ii) to help prevent or detect fraud, money laundering or other crimes, recover debts and to trace debtors; (iii) for statistical analysis about credit and fraud; (iv) checking details on proposal and claims for all types of insurance; and (v) checking details of job applications and employees.

We and other organisations may access and use information recorded by fraud prevention agencies from other countries. The credit reference and fraud prevention agencies will keep details of any searches.

We may also use credit scoring methods to assess your application and to verify your identity. In addition, whilst assessing your application, this information may also be used for debt tracing, prevention of money laundering as well as the on-going management of your account.

Information held about you by the credit reference agencies may already be linked to records relating to one or more of your financial partners. For the purpose of applications you make to us for a loan you may be treated as financially linked to such people and such applications may be assessed with reference to any "associated" records.

You can call us on 01923 280 322 if you want details of the credit reference and fraud prevention agencies that we give information about you (you have a legal right to obtain this information).

Unless you advise us to the contrary, we and other selected third parties may contact you by letter, phone or electronic mail to offer other products which we feel may be of interest to you. If you do not wish to be contacted by us offering other products which we think may be of interest to you, please write to the Data Protection Officer at the address above, or e-mail your name and address (including postcode) to
Enquiry Form
We may request information from you on our enquiry form. A user must provide contact information (such as name, email address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc). This information is used in consideration of your loan application and to contact you regarding your application. By submitting the enquiry form you are confirming that information given is accurate and that you consent to it's use as defined in 'How we will use your information'
Security Information

How We Protect Your Information
To ensure that your card details remain secure, you will only be able to make online payments if you have Internet Explorer 7.0 or above installed on your PC. Internet Explorer 7.0 supports Secure Socket Layer (SSL) technology, which is an industry standard for internet payments. This means all of your personal and card details are protected using 128 bit encryption when your details are transmitted over the Internet. This makes it virtually impossible for anyone else to discover and use your details.
Check You Are Using A Secure Site
Check your browser encryption strength by using your mouse to hover over a padlock icon in the bottom right hand corner of your browser window (it should be a closed padlock). When you do this, it should tell you that it is SSL Secured 128 bit.
On-line Payment Security

Storing Your Card Details
We do not store your credit/debit card details on the website. This information is processed by our chosen Payment Merchants.
Mastercard Securecode and Verified by Visa

What extra security do they provide?

These schemes enable you to register an additional password to you credit card. By doing this you will help prevent unauthorised transactions on your credit card which means that you can add security and peace of mind to on-line transactions.

How do I register?

When you confirm your payment, if your bank is participating, you will be asked to register for either scheme. Simply follow the online instructions.

Do I have to register every time?

No, this is a one-off registration process.

What if I don't want to join?

Some banks do offer an option to sign up later but others will insist that you sign up to the scheme immediately before completing your transaction. Like chip and pin, Verified by Visa and Mastercard Securecode will soon become compulsory.

If you have any further questions, please contact your card issuer.

Cookies and Log Files
When someone visits our website we collect standard internet log information and details of visitors behaviour. We store information that we collect through cookies and log files (see below). We do not share your profile or personally identifiable information with any third party. We do this to find out things such as the number of visitors to various parts of the site and where they came from and where they exited to improve the site.
A cookie is a piece of data stored on your computer which provides us with information about you. These cookies listed below allow us to distinguish you from other users of our site; allows us to collect information to improve our site and record your consent to their use.
Cookies in use Purpose Lifespan Ours or Third Party
__utma This cookie is typically written to the browser upon the first visit to your site from that web browser. If the cookie has been deleted by the browser operator, and the browser subsequently visits your site, a new __utma cookie is written with a different unique ID. This cookie is used to determine unique visitors to your site and it is updated with each page view. Additionally, this cookie is provided with a unique ID that Google Analytics uses to ensure both the validity and accessibility of the cookie as an extra security measure. 2 years from set/update unless deleted within your browser settings. Google Analytics
__utmb This cookie is used to establish and continue a user session with your site. When a user views a page on your site, the Google Analytics code attempts to update this cookie. If it does not find the cookie, a new one is written and a new session is established. Each time a user visits a different page on your site, this cookie is updated to expire in 30 minutes, thus continuing a single session for as long as user activity continues within 30-minute intervals. This cookie expires when a user pauses on a page on your site for longer than 30 minutes. You can modify the default length of a user session with the _setSessionCookieTimeout() method. 30 minutes from set/update. Google Analytics
__utmz This cookie stores the type of referral used by the visitor to reach your site, whether via a direct method, a referring link, a website search, or a campaign such as an ad or an email link. It is used to calculate search engine traffic, ad campaigns and page navigation within your own site. The cookie is updated with each page view to your site. 6 months from set/update. Google Analytics
sfc This cookie is created when the visitor to this site checks the box marked 'I accept cookies...' If the cookie exists when the visitor goes to another page or the next time they visit this site from that web browser, the notification about cookies at the top of each web page will not display. 60 days from set/update unless deleted within your browser settings. Central Trust Limited
schtm This cookie is created when the visitor arrives at the site. It is used to store browser name and Google search terms if search terms were used to get to the site. For as long as the browser is open. Central Trust Limited
popc This cookie is created several minutes after the visitor arrives at the site, if JavaScript is enabled on the client. The callback-popup displays unless the cookie value is set to 'showfalse'. The value is set to 'showfalse' if the visitor clicks the Close button on the popup or if the visitor sends a callback request from the popup. For as long as the browser is open. Central Trust Limited

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit

To opt out of being tracked by Google Analytics across all websites (not just Central Trust) visit

Log Files
Like most standard web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track users movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc are not linked to personally identifiable information.
Sharing Aggregate Information
We do not share aggregated information with our partners and advertisers.
Third Party Advertisers
We share web site usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements across the internet. The information we may share with them is not personally identifiable in any way to any of our users.
This web site may contain links to other sites from time to time. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.
Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected. If however, we are going to use users personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a notice on our web site notifying users of the change.

You should find your dealings with us to be prompt, efficient and friendly. Our aim is to provide you with a world class, professional and confidential service. If you have a complaint about any aspect of the service you have received our staff will be happy to help resolve your concerns. Please bring your concerns to our attention as soon as possible - the sooner we know about it the sooner that we can resolve it. We have a formal complaints procedure to ensure that your complaint is handled quickly, fairly and efficiently; Please click here for further details.

If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service, free of charge. For further information you can write to:
Financial Ombudsman Service (FOS)
Exchange Tower
London E14 9SR

Phone: 0800 023 4567

For further information or to make a complaint, please contact our Compliance Team:

Compliance Team – Central Trust Limited
Cassiobury House
11-19 Station Road
WD17 1AP
Tel: 01923 280 434