By inputting your details Payl8r is able to view 90 days of bank account history. This helps Payl8r make their lending decisions, assessing whether and if so what amount of credit is affordable and sustainable for you. Responsible Payl8r’s work with credit reference agencies to review your creditworthiness. As part of that process it is important for Payl8r to verify your incomings and outgoings. Ultimately, this will help Payl8r ensure that you do not fall into difficulties in making the repayments due under a loan or incurring further costs and charges. Payl8r is only permitted a read-only access to your current account, so will only ever be able to view the recent transactions on your account – nothing more. Your bank details are encrypted in transit and stored securely by Yodlee. Payl8r does not have the ability to view or change any of your banking details, set up standing orders/direct debits or to manage your account in any other way.