We are aware how important your privacy is, based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this also in accordance with the Data Protection Act 1998.
Contained within this statement and set out below are details of the type of information that we at we may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
How we may contact you
Unless you state otherwise to us,lenders, third parties and other brokers (see further section on'How we keep you informed' ) may contact you via telephone, email, post, sms, automated messages or fax.
How you contact us
If you are required to telephone us using the specified telephone numbers on our website or advertising/marketing/correspondence material then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
How we keep you informed
We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, sms, automated messages or fax. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.
II. The information/data that we would normally collect from you is as follows:
What you do on our website; the results of this will be used to show us examples of which parts of our website are most and least used (please refer to 'Cookies' paragraph).
However if you register with us, have a question about our services or alternatively choose to send an email to us. We may also collect the above personal information/data in this instance in order for us to respond to your enquiry.
We may also receive personal information/data from 3rd parties, which enables us to offer Identified potential customers products and services who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
Ensuring your personal details and/or preferences are kept up to date
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' paragraph).
How we use your Personal Information
I. Information that is collected by us us may be used by us in the following ways and will be recorded electronically:
II. As some of our affiliates who form part of our group are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK then we have established levels of protection to ensure that your information is safeguarded.
Fraud prevention agencies & Credit referencing
I. Upon application to us we may use both fraud prevention agencies and credit referencing agencies to help us make relevant decisions. This section has been reduced down into a simple explanation of how we will use your personal information/data regarding credit referencing agencies and fraud prevention agencies.
Further information on fraud prevention agencies can be obtained from our Compliance Manager.
If you do choose to contact the CRA, please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs. A small fee will be charged when information is requested, this fee currently stands at Ј2.00
To help you with this, we have provided below contact details for the CRAs:
We will make the following checks about yourself and others:
Inaccurate information provided by you - False or inaccurate information if given by yourself will be brought to the attention of FPAs or other relevant companies who deal in fraud/crime prevention, the same applies to if we suspect fraud or false or inaccurate information has been supplied . Any reported instances may also be accessed by law enforcement agencies i.e. HMRC, regulatory bodies or the police for use to prevent any possible fraud and money laundering for the following:
Information recorded outside the UK - we may use and get access to information outside of the UK that has been recorded and reported by fraud prevention agencies.
Information/data usages for other purposes - if you have given permission for your information to be used for other purposes, in limited circumstances your information may be used for other purposes when required by law or under the terms of the Data Protection Act 1998.
Do we share your information with third parties
In addition to the above we may also on occasion share your information/data with other parties who are not within our group, if we do we will seek your approval first. If your information is shared with a third parties, we will instruct and state restrictions which will protect your information.
If we do share your information with parties outside of our group this may be for the following reasons:
Confidentiality & security
We recognise the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, introduced specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so.
Can you access the information we hold about you
Yes under certain circumstances you will be able to access the records we hold about you, if you request this information then we ask that you submit your request in writing to us along with a fee for Ј10. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request.
How long do we keep your information for
The amount of time we hold your information depends on the basis it was provided by you to us, please see the following examples:
Usage of links to other sites
Processing of sensitive information
Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:
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 this Website. 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 this 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 from www.allaboutcookies.org.
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 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.
Cookies used by this website
sessionid - Used for offering appropriate customer experience
referrer - Identify the source of the customer when they on the website for the first time and used for offering appropriate customer experience
Google Analytics - Various cookies and web beacons to provide analytical services that helps us to identify potential usability and user experience problems in the website and thereby aid in improving the quality of service offered in the website