Privacy Policy

Awareness

All staff in our organisation have been made aware that the law has changed with regard to an individual’s rights to have their personal data protected. These changes are set out in the General Data Protection Regulations which came into effect on the 25th May 2018. The GDPR is similar to the existing UK Data Protection Act 1998 (DPA) but updated with additional legal requirements. The UK agency that is responsible for enforcing the GDPR is the Information Commission’s Office (ICO). Now GDPR is in effect, there are significant financial penalties that can be enforced for a data breach or a failure to follow the stipulations under GDPR or a failure to obtain formal consent.

Information we may hold

We may collect, store and use the following kinds of personal information:

information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, and website navigation details. information relating to any transactions carried out between you and us on or in relation to this website. We do not, however, sell anything directly through our website and direct purchases cannot be made via the website. information that you provide to us for the purpose of registering with us (including your email address, telephone number, address, and name information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters,  any other information that you choose to send to us.

Cookies

A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser. We may use both “session” cookies and “persistent” cookies on the website. We will use the session cookies to: keep track of you whilst you navigate the website.

We will use the persistent cookies to: enable our website to recognise you when you visit. Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.

We use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website.

Google will store this information. Google’s privacy policy is available at: http://www.google.com/privacypolicy.html. Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one. Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

Contact details, i.e. names, addresses, email, occupation and dates of birth obtained during the consultation and consent process. Photographic images, customer payment data, customer document data like passport copy, driving license copy, loan documents using your personal information, personal information submitted to us via this website will only be used for the purposes specified in this privacy policy or in relevant parts of the website. 

We may use your personal information to:

administer the website; improve your browsing experience by personalising the website; enable you use of the services available on the website; send you general (non-marketing) commercial communications; send you by post or email marketing notifications which you have specifically agreed to and have been also unambiguously and properly opted in. For example, loan calculator used on our website; send you our newsletter and other marketing communications relating to our business, where you have specifically agreed to this and they have also been unambiguously and properly opted in, by post, by email or similar technology. You can inform us at any time if you no longer require marketing communications.

Provide third parties with statistical information about our users – but this information will not be used to identify any individual user; for example as used by google analytics deals with enquiries and complaints made by or about you relating to the website; We will not provide your personal information to any third parties for the purpose of direct marketing.

Merchant cardholder receipt data is stored for the required minimum accounting period of 7 years and also to respond to providing copy receipts and chargebacks.

Our Lawful basis for processing personal data:
Asking for consent - We consider that consent is the most appropriate lawful basis for processing personal data. The request for consent is prominent and separate from our terms and conditions. We ask people to positively opt in. We don’t use pre-ticked boxes or any other type of default consent. We use clear, plain language that is easy to understand.    We specify why we want the data and what we’re going to do with it. We give individual detailed options to consent separately to different purposes and types of processing. We name our organisation and any third party controllers who will be relying on the consent. We tell individuals they can withdraw their consent. We ensure that individuals can refuse to consent without detriment. We avoid making consent a precondition of a service.

Recording consent

Legitimate business interests

We consider that legitimate interests is also another appropriate basis for processing and storing of for instance photographic images. We understand our responsibility to protect the individual’s interests. We have conducted a legitimate interest’s assessment (LIA) and kept a record of it, to ensure that we can justify our decision. We have identified the relevant legitimate interests. We have checked that the processing is necessary and there is a no less intrusive way to achieve the same result. We have done a balancing test, and are confident that the individual’s interests do not override those legitimate interests. We only use individuals’ data in ways they would reasonably expect unless we have a very good reason. We are not using people’s data in ways they would find intrusive or which could cause them harm unless we have a very good reason. We have considered safeguards to reduce the impact where possible. We have considered whether we can offer an opt-out. If our LIA identifies a significant privacy impact, we have considered whether we also need to conduct a DPIA. We keep our LIA under review and repeat it if circumstances change. We include information about our legitimate interests in our privacy notice.

Disclosures

We may disclose information about you to any of our employees insofar as reasonably necessary for the purposes as set out in this privacy policy. In addition, we may disclose your personal information: to the extent that we are required to do so by law; in connection with any legal proceedings or prospective legal proceedings; in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk); to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information. Except as provided in this privacy policy, we will not provide your information to third parties. Security of your personal information.

We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology. All information is handled in accordance with the data protection act 1998. Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

Data breaches

Any breach which leads to accidental, unlawful destruction or the loss or alteration of personal data will be notified to the ICO within 72 hours and to all affected individuals without undue delay.

Policy amendments

We may update this privacy policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes. We may also notify you of changes to our privacy policy by email. 

Your rights - complaints

You have the absolute right to object to your data being processed and profiled for direct marketing purposes. You have the right to have your information withdrawn at any time.   Your information will be provided to you within one month and no fee will be levied. You may instruct us to provide you with any personal information we hold about you. Provision of such information will be subject to the supply of appropriate evidence of your identity. For this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address. We may withhold such personal information to the extent permitted by law. You may instruct us not to process your personal information for marketing purposes by email at any time. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.

Third party websites

The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.

Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated.

Contact

If you have any questions about this privacy policy or our treatment of your personal information, please write to us using the form below.

Data controller

The data controller responsible in respect of the information collected at Redrock Commercial Finance Ltd is Mike Brown.