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The representative example is a specific way we inform you about the terms of our typical loan and in particular cost of credit in accordance with The Consumer Credit (Advertisements) Regulations 2010.
| Representative Example | Amount of each repayment |
| Annual Interest Rate: 427.9%(Fixed) | 1st repayment: £68 |
| Total amount of credit: £200 | 2nd repayment: £108 |
| Representative APR: 89.7% | 3rd repayment: £94 |
| Duration of agreement: 6 months | 4th repayment: £81 |
| Total amount payable: £472 | 5th repayment: £67 |
| Total charge of credit: £272 | 6th repayment: £54 |
automatic-withdrawor
continuous payment authorityand how is it relevant to me?
In entering into your loan agreement, you give us the right to automatically withdraw amounts you owe under the loan agreement from your debit card that is nominated by you at the time of entering in to the agreement. The process of us automatically initiating these withdraw attempts is referred to as “auto-withdraw” or “continuous payment authority”. The repayment amounts, the repayment dates, and the number of attempts at collection we may make through auto-withdraw or continuous payment authority are described in detail in the loan explanation and in the loan agreement. By entering into the loan agreement you agree that we may make collection attempts as described therein. Please make sure that the repayment amounts are available in your account on the repayment dates to avoid default fees and charges. You may also incur bank charges and other default fees if your account goes overdrawn or you miss other payments. You have the right to cancel the use of continuous payment authority by calling us or writing or emailing to us or by contacting your bank, however this does not relieve you from the obligation to pay us the amounts owed and you will have to specify an alternative payment method when exercising your right to cancel continuous payment authority.
cyclein reference to the agreement?
All of our loans are approximately six months in duration, with variations being a function of your paydates relative to when your loan is taken out.
We design cycles, or periods between payment dates, in an attempt to match your loan repayment dates to your paydates such that the loan payments are due on your paydays.
If you are paid on a monthly basis, your loan will have six cycles and six payment dates. Each cycle is approximately a month in duration; however, your first payment cycle may be more or less than a month depending on the date of your next payday. In all cases the first cycle will be a minimum of 8 days and maximum of 42 days. The cycles and repayment dates are clearly laid out in your loan agreement, information sheet and SECCI. Cycles are the basis on which interest charges are accrued. The interest rate on a monthly loan is 34% per cycle. However, we conduct promotional pricing campaigns from time to time and the interest rate per cycle on your loan may be lower than 34% per cycle. The exact interest rate per cycle will be specified in the explanation sheet, SECCI and loan agreement. Interest is accrued to your loan on the origination date for the first cycle and on the second day of the subsequent cycles.
If you are paid on a bi-weekly or weekly basis, your loan will have twenty four cycles and twenty four payment dates. Each cycle is approximately one week in duration; provided that your first payment cycle may be more or less than one week, depending on the date of your next payday. In all cases the first cycle will be a minimum of 4 and maximum of 10 days. The cycles and repayment dates are clearly laid out in your loan agreement, adequate explanation and SECCI. Cycles are the basis on which interest charges are accrued. The interest rate on a weekly loan is 8.9% per cycle. However, we conduct promotional pricing campaigns from time to time and the interest rate per cycle on your loan may be lower than 8.9% per cycle. The exact interest rate per cycle will be specified in the explanation sheet, SECCI and loan agreement. Interest is charged to your loan on the origination date for the first cycle and on the second day of the subsequent cycles.
If you prepay your loan during the first payment cycle, or anytime on or after the second day of a subsequent payment cycle other than the final payment cycle, you will incur interest for the entirety of the cycle during which you prepay, but you will not be charged interest for what would have been the remainder of the loan term. Thus, prepaying your loan in full prior to the start of the final cycle will result in savings on interest that otherwise would have been owed for future cycles. Additionally, the amount required to prepay your loan will be reduced by any rebate for your early repayment calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
With Drafty, the fee structure is very transparent. We do not charge any additional fees apart from those which have been notified to you during the loan application process. You will not incur any fees if you stick on to the repayment schedule as mentioned in your agreement. The following charges apply;
| Type of Fees | Monthly Instalments | Weekly Instalments |
| Arrears Fee (applicable when payment is not made on the due date) | £12 | £8 |
| Default Fee (when the account remains in default 34 days after the relevant due date) | £10 | £10 |
| Termination Fee (if your account is in default and Drafty and you do not reasonably agree to a repayment plan or you do not honour a repayment plan agreed to and we refer your account to a debt collection agency) | £40 | £40 |
You should be aware that lending of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. The operation of “automatic-withdraw” or “continuous payment authority” and a list of the fees you will incur if you are delinquent are both explained below as well as in even greater detail in the explanation sheet, SECCI and loan agreement. You will also have to pay additional charges we incur if we have to trace you or to enforce our debt and interest for the period you are in default at the contractual rate. Missing payments will require you to pay more than the amounts set out in the agreement and can make it more difficult/expensive for you to obtain credit in future as your default is reported to Credit Reference Agencies. It may also result in legal proceedings.
If you are facing difficulties in making payments on time, it is important that you immediately get in touch with us. We are a responsible lender and will be able to discuss payment alternatives with you. If you do not contact us our automated system will attempt to collect repayment and if there are insufficient funds this will send your account into arrears and you will be charged a late fee. So please get in touch with us at 0203 365 0135# so that we can discuss payment options with you.
We will run a credit check from Credit Reference Agencies to determine your eligibility for a loan from us. Please see our privacy policy for a complete description of the data that we search in evaluating your loan application. This will leave a trace on your record. The number of inquiries on your credit report can impact your credit score. For more information on credit scoring and how this is evaluated please click here.
Should you encounter any problems or have any questions regarding your loan, you may use the following sources to resolve your problem:
Each of our customers is important to us, and we believe you have the right to a fair, swift and courteous service at all times. If you feel you haven’t been fairly dealt with, and would like to register a complaint, you can do so by following complaints handling procedure from the following link: complaint handling procedure
There are many organisations offering advice but be aware that some may charge for their services. The ones listed below all offer free advice:
Responsible Lending: Carefully consider whether a credit line is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty.
*Subject to credit line approval, you will receive cash through our Express Cash Transfer option for free if supported by your bank. We can initiate the transfer process of funds into your account within 15 minutes after final approval of your credit line subject to an assessment of affordability and credit worthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.
#Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.
Responsible Lending: Carefully consider whether a credit line is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All credit line applications are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.
Drafty is a trading name of GAIN Credit LLC
Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX, E-mail: info@drafty.co.uk | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA.| Registered in the State of Delaware,USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378
*Subject to credit line approval, you will receive cash through our Express Cash Transfer option for free if supported by your bank. We can initiate the transfer process of funds into your account within 15 minutes after final approval of your credit line subject to an assessment of affordability and credit worthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.
#Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.
Responsible Lending: Carefully consider whether a credit line is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All credit line applications are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.
Drafty is a trading name of GAIN Credit LLC
Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX, E-mail: info@drafty.co.uk | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA.| Registered in the State of Delaware,USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378
To register with us you must be 18 years of age or older.
For the purposes of the policy "you" or "your" means you as a user of the App Site or as a participant in the Services and/or a user of the Services Sites (as defined below). "We", "our" or "us" means GAIN Credit LLC of Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX, and its affiliates.
This policy, your credit agreement and any additional terms of use incorporated by reference into this policy, together (our Terms) applies to your use of:
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. We give you choices about the ways we use and share your personal information, and we'll respect the choices you make.
For the purpose of the Data Protection Act 1998, the data controller is Lending Stream. Lending Stream is a registered Data Controller under the terms of the Data Protection Act 1998, details of our notification to the regulator for data protection, may be found in the Information Commissioner's Office Public Register of Data Controllers at www.ico.org.uk under registration number Z2752028.
We may collect and process the following data about you:
We may use your personal information for a number of purposes including:
We may act as brokers as well as direct lenders, and our products and services may sometimes be provided in conjunction with our business partners. Thus, it may be necessary to disclose your information to those partners to provide you with the products or services you request. However, we will only disclose your information to such third parties where we have your express consent to do so via an 'opt in' mechanism on our website.
We may also share the personal information you submit with our associated group companies (which includes any company linked to us in some way by common ownership or management) for the purposes of: (a) the provision of products and service you request; (b) consumer profiling and market research; and (c) to contact you by post, phone or electronically about related products and services, offers and events, unless you opt out as described below (see the Marketing and Opt Out Rights section). A list of associated companies is available on request by contacting Lending Stream directly via the contact details provided below.
If you consent via the opt in process, we may also share your personal information with selected third parties who may use it to contact you by post, telephone, email, SMS or other reasonable methods in relation to offers they feel might interest you, to seek your feedback, suggestions or opinions on current products, or for editorial, survey, research and product development purposes.
We may also share your personal information with third parties under the following circumstances:
Please note that for full details at to how we may make use of your information to determine and/or provide provision of loan facilities you should read the Use of Information Statement contained in your pre-contractual loan documentation.
We may also request that you provide details of individuals who are able to act as referees on your behalf by verifying some of the personal information you provide about yourself. The information we will request about these third parties will include their name, address and phone number.
We use cookies to distinguish you from other users of the App, Our Sites and App Site. This helps us to provide you with a good experience when you use the App or browse the App Site and also allows us to improve the App, Our Sites and the App Site. For detailed information on the cookies we use and the purposes for which we use them, see our cookie policy.
Lending Stream participates in and is certified under the "Privacy Shield" regime for the purposes of transferring personal data outside the European Economic Area. Please refer to our Privacy Shield Policy for further information.
By visiting our App, Our Sites and/or the App Site, you understand and agree that we may contact you via the phone number or e-mail address you enter on your loan application to assist you with your loan or to discuss other products and services that Lending Stream may provide for you. You may opt-out of receiving these marketing communications from us or from our associated companies by responding to any of our e-mail communications with "remove" in the subject line or by sending us an e-mail to customercare@drafty.co.uk.
If you opt-out of our use of your personal information for marketing purposes, we will make reasonable efforts to honour such choice within 10 business days. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other inquiry.
As noted above, if you consent to allow us to share your information with selected third parties, you may receive follow-up contact and offers from third party companies and, while we only work with selected partners, we are not responsible for the services or representations of these third parties. To opt-out of receiving further marketing emails, calls, or SMS messages from such third party, please contact the third party directly.
We are aware of the importance of the data we collect from you and therefore we use advanced technology to protect your information. We take reasonable precautions to protect personal information from loss, misuse and unauthorised access, disclosure, alteration and destruction.
For example, we store data in encrypted form on computers and control access via secure web pages. We also employ firewalls and other security technologies to protect our servers from external attack. In addition, we train our employees in the proper handling of personal information and when we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
When you enter certain more-sensitive information (such as your bank sort code or account number) on the application form, we encrypt that information using secure socket layer technology.
We only keep your personal information for as long as necessary, for the purposes for which it was collected, to provide you with services and to conduct our legitimate business interests or where otherwise required by law. In addition, we take reasonable steps to ensure that the data we collect is relevant for its intended purposes, and is accurate, and up to date.
You may request a copy of the information we hold on you by contacting us as described at the end of this Privacy Policy and requesting further details. There is a charge for this service (usually £10) to help us cover the administrative costs of responding to your request. You will also need to provide identification so that we may verify that you authorised to access the personal information you have requested.
If your personal information changes, or if you no longer desire our service, you may correct, update or remove it by making the change within the edit your profile section of the site or by emailing us at customercare@drafty.co.uk.
If you submit or create a blog on our App Site or Our Sites, you should be aware that any personal information you submit can be read, collected, or used by other users of these blogs, and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums.
We post customer testimonials, which may contain personally identifiable information, on the App Site, banners and/or Our Sites as well as some other websites with Lending Stream presence.
Our App, Our Sites and/or App Site may contain links to third party websites. If you follow a link to any of these third-party websites, please note that such websites have their own terms and privacy policies, and that we are not responsible or liable for any of the practices of these third-party sites.
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App, Our Site, the App Site or the Services.
If you have any questions or concerns about the use of your personal information as described above, please contact us at Drafty, a trading name of GAIN Credit LLC, Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA|Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378 | You can contact us at 0203 365 0135 (Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary) or email us at info@drafty.co.uk. | Copyright © Lending Stream
Lending Stream is certified under and participates in the "Privacy Shield" regime for the purposes of transferring personal data outside the European Economic Area ("EEA").
Lending Stream complies with the EU-US Privacy Shield Framework as set forth by DOC regarding the collection, use, and retention of personal information from European Union member countries. If there is any conflict between this policy and the Privacy Shield Principles, the Privacy Shield Principles will apply. Please note that our affiliates Global Analytics India Private Limited (GAI) and Global Analytics Holdings, Inc (GAH) also adhere to the Privacy Shield Principles.
Lending Stream is committed to applying the Privacy Shield Privacy Principles of Notice; Choice; Accountability for onward transfer; Security; Data Integrity and Purpose Limitation; Access; Recourse; Enforcement and Liability to all EU personal data. All employees of Lending Stream have to comply with the Privacy Shield and Lending Stream is potentially liable for onward transfers of personal data to third parties.
To view our certification and for further information on the Privacy Shield please visit https://www.privacyshield.gov. The US Department of Commerce (DOC) has jurisdiction over our compliance with the Privacy Shield. Lending Stream is subject to the investigatory and investigation powers of the DOC. Lending Stream will renew its certification annually.
The Privacy Shield applies to the information we collect about you that is transferred outside the EEA. Each time you apply for a loan, we may transfer your personal information outside the EEA (including to our associated companies in India and the USA) – please refer to the section of our Privacy Policy titled "Information we collect about you" for an explanation of why we collect your information (this being covered by the Privacy Shield if your data is transferred outside of the EEA).
Please refer to the section of our Privacy Policy titled "Sharing your information" for a description of the circumstances in which we may disclose your personal information to third parties. In some cases we may be required to disclose personal information in response to a lawful request made by public authorities, including national security or law enforcement. Please note that regarding our affiliates, GAI has access to customer information in order to perform back office duties and GAH has limited access to information in order to perform managerial functions as part of its function as a parent company in our group. Both GAI and GAH are committed to the Privacy Shield Principles.
Under the Privacy Shield you have a right to access, correct or delete your personal information. If your data is inaccurate or you would like it updated, deleted or corrected, please contact us at customercare@lendingstream.co.uk.
In compliance with the EU-US Privacy Shield Principles, Lending Stream commits to resolving complaints about your privacy and our collection or use of your personal information – please contact us at customercare@lendingstream.co.uk.
For privacy complaints that we do not adequately resolve, Lending Stream has chosen to cooperate with EU data protection authorities (DPAs) and comply with the information and advice provided to it by an informal panel of DPAs in relation to such unresolved complaints (as further described in the Privacy Shield Principles). Please contact us to be directed to the relevant DPA contacts.
In the event of a dispute, there is the possibility, under certain conditions, for you, the individual to invoke binding arbitration. You can do this by seeking redress from the Privacy Shield Panel.
We may amend this policy from time to time and may update it in line with any amendments made to the Privacy Shield Principles.
This policy was last updated on 30.09.16
GAIN Credit LLC(trading as Drafty) ("Drafty" "we", "us" "our") provides access to its website at www.drafty.co.uk ("Website") to users ("you", "your") for their personal use. Please read the following terms of use ("Terms of Use") carefully before using this Website.
All users of this Website (whether or not you choose to apply for, or use our services) agree that access to and use of this Website, and all communication between us and you, are subject to these Terms of Use.
YOUR ACCESS TO OR USE OF THE WEBSITE OR OF ANY INTERNAL OR EXTERNAL LINKS TO OR FROM OUR WEBSITE, CONSTITUTES ACCEPTANCE OF THE TERMS ON THIS PAGE. IF YOU DO NOT AGREE TO THESE TERMS OF USE OR OUR PRIVACY POLICY, PLEASE DO NOT USE THIS WEBSITE.
We will endeavour to ensure that the Website is available at all times. However, we reserve the right to withdraw or amend the service we provide without notice for any reason, for example, it may be necessary to suspend the service to carry out maintenance. Furthermore access to the Website may be interrupted by circumstances beyond our control. We will not be liable if for any reason our Website is unavailable at any time for any period.
You are prohibited from using this Website to post or transmit any material that is inaccurate (where such material states a fact), unlawful, threatening, libellous, defamatory, obscene, scandalous, offensive, inflammatory, pornographic, discriminatory, profane or liable to incite racial hatred, any material that infringes the rights of any third party (including but not limited to any copyright, trademark or other proprietary right) or any material that could constitute or encourage unlawful conduct or for which you have not obtained all necessary licences and/or approvals. While we are under no obligation to oversee, monitor or moderate any interactive service we provide on our Website, we may, from time to time, review material transmitted or posted using this Website and reserve the right to delete any material that does not comply with these Terms of Use or which we deem inappropriate for any reason, at our sole discretion.
When you access or use our Website, you must not upload or send material that is technically harmful (including without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data) and you agree not to misuse the Website (including, without limitation, by hacking).
The services and products that we provide on the Website are intended for UK residents over the age of 18 only, and information contained on the Website does not amount to an invitation to customers who are under 18 or who are outside of the UK to buy any services or products.
All comments submitted by you to be posted on Drafty's blog are subject to our prior approval. You acknowledge and agree that all comments or other material posted on Drafty’s blog will be considered non-confidential and non-proprietary and will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated.
You agree that Drafty and its designees will be free to copy, disclose, distribute, incorporate and otherwise use or delete such material and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our Website constitutes a breach of their intellectual property rights, or of their rights to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of the Website.
We have no control over or endorse any of the websites linked to this Website and are not responsible for the content, accuracy, security or reliability of any websites or pages linked to this Website. Your linking to any websites from this Website is at your own risk and we shall not be responsible or liable for any damages resulting from or in connection with such links or websites.
You are not entitled (nor will you assist others) to set up links from other websites to this Website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant, withhold and withdraw at our absolute discretion.
Unless otherwise stated the copyright and other intellectual property rights in the material published on the Website are owned by us or our licensors. All rights not expressly granted by these Terms of Use are reserved.
You may not copy material from this Website for commercial use but you may copy material in limited quantities for your personal non-commercial use. We reserve the right to terminate, at any time, your permission to make personal copies of material from this Website.
Nothing on this Website should be construed as a licence to use any trademarks displayed on this Website. Your use of such trademarks is strictly prohibited.
Your use of this Website and material from this Website is at your own risk.
We will try to ensure that the information on the Website is correct and up-to-date but we make no warranties or representations about the accuracy and completeness of the content on the Website. In particular, commentary and other materials posted on our Website are not intended as advice and should not be relied on. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by you or anyone that may be informed of its contents.
This Website and the material provided on it are provided "as is" without any conditions, warranties or other terms of any kind. To the extent permitted by law, we, other members of our group of companies and third parties connected to us provide you with access to this Website on the basis that we exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
We, other members of our group of companies and third parties connected to us exclude all liability and responsibility for any direct, incidental, consequential, indirect loss or damage incurred by you or any other user arising out of access to, use of, or inability to use this Website, any material from this Website or any websites linked to it or arising out of any communications sent to us over the internet, including without limitation, any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of good will; wasted management or office time; loss or damage due to viruses that may affect your computer equipment; software or data; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence (as such term is defined under the Unfair Contract Terms Act 1977), nor our liability for the tort of deceit or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
We reserve the right to revise these Terms of Use at any time by amending this page. You are bound by any changes, deletions or additions we have made and you should check this page from time to time to take notice of any such amendments. Your continued use of the Website, following any changes to these Terms of Use, will mean you accept these changes.
If any provision of these Terms of Use is found to be unlawful, void or unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.
These Terms of Use are governed by English law and the English Courts will have exclusive jurisdiction in respect of all disputes arising out of or in connection with these Terms.
This policy sets out our use of Cookies when you use our App, Our Sites and/or App Site. (as defined in our Privacy Policy) Please read it carefully as it explains how we and third parties may make use of your data collected by such Cookies. If you wish to understand how we make use of your data more generally please read our Privacy Policy for our App Site, Our Site and/or App.
If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of the App Site and/or Our Site. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit Our Site or the App Site again, Cookies can enable us to customize our content according to your preferences. These cookies do not track user information in a way that identifies your name, and all our cookie data is encrypted and cannot be read by other websites. To find out more about accepting or refusing cookies please visit www.allaboutcookies.org.
Third-party tracking utility companies also assist us in tracking Our Site and/or the App Site activity and collecting Our Site and/or the App Site analytics data. We do not share any personal information with these third parties, but our tracking utility company uses session ID, persistent cookies to make it easier for you to navigate Our Site and/or the App Site. The use of cookies by our third-party tracking utility companies is not covered by our Privacy Policy. We do not have access or control over these cookies.
We also use Google Analytics to collect non-personally identifiable information, in aggregate form, to understand website/page visit volumes in terms of source, geography, browser, etc.
Google Analytics employs a software technology called web beacons, that help us better manage content on Our Site and/or the App Site by informing us what content is effective. Web beacons are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users or responses to emails. In contrast to cookies, which are stored on a user's computer hard drive, web beacons are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. Web beacons cannot be disabled in same manner as cookies may. We do not tie the information gathered by web beacons to our customers' personally identifiable information.
| Cookie | Description |
| sessionid | Identify customers when they login |
| csrftoken | Offers protection against Cross-Site Request Forgery |
| flavour, mob_num, m_override | Identify customers from mobile devices and render contents customized for mobile phone displays |
| lsrc, lsrc_detail, skey | Identify the source of the customer when he lands on the website for the first time and used for offering appropriate customer experience |
| landDispRand, esignDispRand, thankuDispRand, applydisprand, mmrand, sid, homedisprand, valueid, uniqid, m-override, _C_mob_num, _C_flavor, appl_keyVal, dssrand, OptimizelySegments, optimizelyBuckets, optimizelyPendingLogEvents, unique_id | Displaying certain pages based on the variant chosen for the customer |
| token_direct , payment_direct | Dropped by the secure debit card gateway to prevent fraud |
| Cookie | Purpose |
| sessionid | Used to maintain login session. |
| homeid | Unique id to identify arrival to website homepage |
| Csrftoken, tmsid | -To prevent forgery and fraud |
| trackingid | Combination of uniqid (permanent cookie) and valueid (session cookie)s |
| Lsrc, lsrc_detail, lsrc_history | To know the source of website visitor |
| __utma, __utmb, __utmc, __utmz | Google Analytics |
| NRAGENT | New Relic |
| _vis_opt_exp_<EXPERIMENT_ID>_goal_<GOAL_ID>
_vis_opt_test_cookie
_vis_opt_exp_<EXPERIMENT_ID>_combi
_vis_opt_exp_<EXPERIMENT_ID>_exclude
_vis_opt_exp_<EXPERIMENT_ID>_split _vis_opt_s _vis_opt_out _vwo_uuid |
Website tracking and testing tool |
Any information that we acquire about you using cookies or other web tools is subject to the same restrictions and conditions as any other information we collect about you.
| Cookie Name | Expiration Time | Description |
|---|---|---|
| sessionid | 30 mins | Used to maintain login session |
| Cookie Name | Expiration Time | Description |
|---|---|---|
| _ga | 2 years | Used to distinguish users. |
| _gat | 10 minutes | Used to throttle request rate. |
| __utma | 2 years from set/update | Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics. |
| __utmt | 10 minutes | Used to throttle request rate. |
| __utmb | 30 mins from set/update | Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics. |
| __utmc | End of browser session | Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit. |
| __utmz | 6 months from set/update | Stores the traffic source or campaign that explains how the user reached our App Site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics. |
| __utmv | 2 years from set/update | Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics. |
| Cookie Name | Expiration Time | Description |
|---|---|---|
| _pk_ref | 2 years from set/update | Used to distinguish users. |
| _pk_cvar | 30 minutes | Used for custom variables. |
| _pk_id | 2 years from set/update | Used to distinguish device. |
| _pk_ses | 30 minutes | Used to distinguish session. |
If you have any questions or concerns about the use of your personal information as described above, please contact us at Drafty, a trading name of GAIN Credit LLC, Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA|Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378 | You can contact us at 0203 365 0135 (Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary) or email us at info@drafty.co.uk. | Copyright © GAIN Credit LLC
GAIN Credit LLC wishes to draw the attention of our customers and members of the general public to the prevalence of fraudulent activity being perpetuated by fraudsters who aim to deceive and defraud our customers and the general public. It has come to our attention that the name of GAIN Credit LLC and our trading name Drafty, its logos and address are being used in attempts to defraud the public through false correspondence and other scams. This type of fraud may be via email, letters, text messages, facsimile or by using a website purporting to be that of GAIN Credit LLC or Drafty.
It has also come to our knowledge that our customers are being supplied with false, unscrupulous and misleading information by the perpetrators/competitors/scammers about our business, business deals or our non-existent products, false products and product lines, through anonymous letters. In order to provide legitimacy to their mails, the perpetrators/competitors/scammers send their letters on imitation GAIN Credit LLC or Drafty letterheads or through anonymous letters. GAIN Credit LLC strongly cautions the public against providing personal information, sending money or disclosing bank details to any person claiming to represent GAIN Credit LLC or Drafty or to have a relationship with GAIN Credit LLC or Drafty.
Our customers are strongly advised to seek information/clarifications by contacting our business office directly and/or online through info@drafty.co.uk or call us directly to our customer service at 0203 365 0135#.
Our Principal Address for Correspondence is:
GAIN Credit LLC,
Wisteria Grange Barn,
Pikes End,
Pinner, London,
United Kingdom, HA5 2EX
Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA
Registered in the State of Delaware, USA
Registration Number: 4124111
Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378.
Members of the public are hereby advised not to send/receive money to/from such scammers, as GAIN Credit LLC will have NO LIABILITY whatsoever for any and all losses/damages suffered by anyone who falls victim to such scams/letters from fraudsters. GAIN Credit LLC hereby disclaims all such correspondence and messages and warns its customers and the general public to disregard such and to exercise extreme caution at all times.
It is our constant endeavor to provide the best and unparalleled support to our customers.
