WEBSITE PRIVACY NOTICE
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. By visiting our website you are accepting and consenting to the practices described in this policy.
For the purpose of the European Data Protection Regulations (‘GDPR’) and the Data Protection Act 2018 (the Act) and, the data controller is Clear Asset Finance Ltd. Suite 6, Ripon House, Station Lane, Hornchurch, RM12 6JL.
This Privacy Statement explains how we process your information and your rights under both DPA and GDPR.
Information we may collect from you
We may collect and process the following data about you:
Current & historic identity and address details, your virtual identity, income & financial status documents, identification documents, employment details, physical & mental health records, residential status, credit search information, criminal convictions, insolvency history, CCJ’s, repossessions and sometimes other similar data as and when required by our funders.
We may also collect information through cookies on our website.
This information is either given to us directly by you, the data subject, or from other sources (such as credit reference agencies) where you have been notified and your permission has been given.
Uses made of the information
We use the information to:
Source financing options at your request.
To keep you up to date on any existing finance arrangements we have made at your request.
To advise you of similar opportunities where we feel they will be of benefit to you.
We may also use this information to keep in contact with you to maintain a good working relationship.
Disclosure of your information
We may share your personal information with 3rd parties including:
Business partners, suppliers, sub-contractors and agents for the performance of any contract that we enter into with either them or you, including without limitation any data processor we engage.
Analytics and search engine providers that assist us in the improvement and optimisation of our site.
In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
Where we store your personal data
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we have procedures and security features in place to try to prevent unauthorised access and to minimise the impact of any possible breach.
You have the right to ask us not to process your personal data for marketing purposes. We will inform you if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at email@example.com
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Your rights under Data Protection Law
We operate under the Data Protection Act 2018 (‘DPA’) and the European General Data Protection Regulation (‘GDPR’).
The DPA and GDPR apply to ‘personal data’ we process and the data protection principles set out the main responsibilities we are responsible for.
We must ensure that personal data shall be:
a) processed lawfully, fairly and in a transparent manner;
b) collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes;
c) adequate, relevant and limited to what is necessary in relation to the purposes for which they are processed;
d) accurate and where necessary kept up to date;
e) kept for no longer than is necessary for the purposes for which the personal data are processed. We operate a data retention policy that ensures we meet this obligation. We only retain personal data for the purposes for which it was collected and for a reasonable period thereafter where there is a legitimate business need or legal obligation to do so. For detail of our current retention policy contact us at firstname.lastname@example.org
f) processed in a manner that ensures appropriate security of the personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organisational measures.
We ensure lawful processing of personal data by obtaining consent; or where there is a contractual obligation to do so in providing appropriate products and services; or where processing the data is necessary for the purposes of our legitimate interests in providing appropriate products and services.
In most cases we process personal data based on your contract with the us. In other cases, we process personal data only where there are legitimate grounds for so doing.
Under the GDPR You have the following specific rights in respect of the personal data we process:
1. The right to be informed about how we use personal data.
This Privacy Statement explains who we are; the purposes for which we process personal data and our legitimate interests in so doing; the categories of data we process; third party disclosures; and details of any transfers of personal data outside the UK.
2. The right of access to the personal data we hold. In most cases this will be free of charge and must be provided within one month of receipt.
3. The right to rectification where data are inaccurate or incomplete. In such cases we shall make any amendments or additions within one month of your request.
4. The right to erasure of personal data, but only in very specific circumstances, typically where the personal data are no longer necessary in relation to the purpose for which it was originally collected or processed; or, in certain cases where we have relied on consent to process the data, when that consent is withdrawn and there is no other legitimate reason for continuing to process that data; or when the individual objects to the processing and there is no overriding legitimate interest for continuing the processing.
5. The right to restrict processing, for example while we are reviewing the accuracy or completeness of data, or deciding on whether any request for erasure is valid. In such cases we shall continue to store the data, but not further process it until we have resolved the issue.
6. The right to data portability which, subject to qualifying conditions, allows individuals to obtain and reuse their personal data for their own purposes across different services.
7. The right to object in cases where processing is based on legitimate interests, where our requirement to process the data is overridden by the rights of the individual concerned; or for the purposes of direct marketing (including profiling); or for processing for purposes of scientific / historical research and statistics, unless this is for necessary for the performance of a public interest task.
8. In order to process your application we may supply your personal information to credit reference agencies, this will be via the lenders that we use to process your application. (CRAs) in which case they will give the lender information about you, such as about your financial history. They do this to assess your creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. When CRAs receive a search from the lender they may place a search footprint on your credit file that may be seen by other lenders and used to assess applications for finance from you and members of your household. The CRA may also share your personal information with other organisations. They may also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. They can provide you with the identities of the CRAs and the ways in which they use and share personal information upon your request. More information about CRAs and how they use your personal data is
available at CRAIN.
Please contact us at email@example.com for more information about the GDPR and your rights under Data Protection law.
If you have a complaint about data protection at Clear Asset Finance Ltd, contact us at firstname.lastname@example.org. Alternatively contact our supervisory authority for data protection compliance (www.ico.org.uk):
Information Commissioner’s Office
Tel: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
Cookies are pieces of information that a website transfers to your computer’s hard disk for record-keeping purposes. Cookies can make the internet more useful by storing information about your preferences on a website, such as your personal preference pages.
We use the following cookies:
- The visitor cookie which is composed of a unique visitor ID and the unique identifier for your account. For example, the cookie name “visitor_id12345” stores the visitor value “1010101010”, and “12345” is the account identifier.
- The opt-in cookie which is set with a true or false value when the visitor opts in or out of tracking.