You can trust Mandarin Loans

We’re fair

• We’re open, honest, and completely transparent with charges so our customers always know the full cost of their loan upfront
• We’re flexible and we understand that sometimes our customers might need to take a little longer to repay than they originally thought
• We provide our customers with details of where they can find free debt advice

We’re responsible

• We know our customers don’t always want to borrow €1000’s, which is why we only issue small loans – up to €400† for new customers, which can then increased for returning customers
• We don’t roll our loans over, which means there are never any roll over fees
• We talk to our customers to check they can afford loan repayments before we transfer funds and we always ask customers to confirm that loan repayments are manageable for them
• We never charge if our customers have difficulty with repayments
• We will only attempt to collect repayments once a week on the day agreed with the customer.

†Subject to an affordability assessment.

Introduction

We are committed to protecting the privacy of visitors to the website in accordance with the Data Protection Act 1998 (the “Act”). Please read the following information which will help you understand how your personal data may be used.

Information we collect about you

We will only collect information from you which will assist us in providing a service to you, as requested by you. We will not keep your personal data for longer than necessary to provide the service, or as required by law.We will use the information you provide to determine the availability of our services to you. Your application for a Mandarin Loan will be registered on your credit report under the name Mandarin Loans.

Disclosure to 3rd parties

We may disclose your information to our group companies or third party research organisations. We will not disclose your information to any other parties except where we are required to do so by law or under the protection of a contract which will protect your rights and to carefully selected third party companies for marketing purposes (please see the direct marketing declaration below for more information).We may also compile and disclose statistics about our users and their preferences. However, these statistics are anonymous and do not identify individual users

Other disclosures

When you visit our site a small piece of code called a cookie will be downloaded to your computer. We do this so we can tailor your visit and make the experience faster and easier. Many websites use cookies.

Children

You must be over the age of 18 to use this Website. Children are not permitted to use this Website.

Direct marketing

By continuing with this application you agree that:

1. We may contact you by post, telephone and/or email (or such other channel we may adopt from time to time) about services and/or products offered by us, or by other group companies which we consider to be of interest to you.
2. We may provide your information to other Mandarin Loans Companies and other carefully selected companies who may contact you with information which may be of interest to you.

You have the right at any time to stop us from contacting you or giving your details to others for marketing purposes. If you wish us to stop, please write to the Customer Support Officer, Mandarin Loans, Westgated, Drogheda, Co. Louth, Ireland,  or call 041 9837585 or email us at loans@mandarinloans.ie.

Data Protection Compliance Officer

If you want to know what data we hold about you, or to have access to that data, or amend it on accordance with the “Act”, please contact the DPA Officer at the above address.

CIFAS Fair processing Notes

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention Agencies. Law enforcement agencies may access and use this Information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance
• Checking details of job applicants and employees

Please Contact us if you want to receive details of the relevant fraud prevention agencies . We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Free money advice and support

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If you need any support with debt or money worries the following Irish services could help. They offer free and impartial money advice that could help you with your finances.

Company	What they offer	Contact
Citizen Information	Free, impartial guidance and practical solutions for debt and insolvency.	T: 0761 07 4000 Mon to Fri 9am to 8pm
MABS	Free advice service that helps people to manage and make the most of their money.	T: 0761 07 2000 Mon to Fri 9am to 8pm

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Managing Your Borrowing

It is important to choose the right type of loan and the right type of provider.
Key questions to ask are:
How much do I need?
When considering how much you want to borrow bear in mind your other costs and your income. Don’t borrow any more than you need. Don’t borrow more than you can afford to repay.
How much do I have to pay back?
This is the total amount you are given plus the total cost of the credit and must be shown on your credit agreement. Just looking at the headline Annual Precentage Rate (APR) is not necessarily a good guid to the total amount you will actually pay back. Look at the cost per €100 borrowed.

ASK ABOUT ANYTHING YOU DON’T UNDERSTAND BEFORE YOU SIGN THE AGREEMENT

• Never use unlicensed moneylenders! Ask to see your lender’s authorised ID, which should include the licence number.
• Never hand over social welfare or children’s allowance books to anyone.

Many people face debt problems at some time in their lives.
These are most often caused by a temporary difficulty or a serious long term change in personal corcumstances, leading to a fall in income.
If I get into financial difficulties, I should:
Contact my local Mandarin Loans. office
or
Contact MABS on Lo-call 1890 283 438Do’s and Dont’sDo’s

• Shop around
• Ask if you do not understand anything
• Contact your lender if you have problems with your repayments and explain the problem – for home credit customers this can easily be done when your agent comes to collect your next repayment.
• Be totally open about your difficulties and be prepared to discuss the options – your lender may agree to reduce your repayments or allow you to extend the repayment period.

Dont’s

• Use unlicensed moneylenders
• Borrow to pay off existing debts
• Ignore the problem
• Take on too much – make sure you can afford the loan
• Sign any documents unless you fully understand what you’re signing.

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Mandarin Loans Loans repayment supportIf you’re experiencing financial difficulties that are affecting the repayments of your Mandarin Loan, we want to help you.The first thing to remember is don’t panic. We understand your circumstances may change from time to time, which might make it difficult for you to make your repayments.As responsible lenders, when you take out a loan with Mandarin Loans we ensure your repayments are affordable, based on your income and outgoings. So if they’ve changed and you’re struggling to pay on time let us know. Our Customer Care Team will be glad you called. They will listen and work with you to give you the right support to get you back on track.We also appreciate that the last thing you need when struggling to pay on time is additional charges or fees. So you’ll never be charged if you miss or make a late repayment.

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Please get in touch – we’re here to helpOur friendly Irish based Customer Care Team is on hand if you have any questions, queries or concerns.– simply call 041 – 9837585 (Drogheda Office) or 061 – 315066 (Limerick Office).