Privacy Notice
BACKGROUND:
Finance4U Group understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of all of our customers and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.
Information About Us
Finance4U Group
Registered address : 31 Bryn Derw, Blackwood NP12 1SN
Main trading address: 31 Bryn Derw, Blackwood NP12 1SN
Data Protection Officer: Graham Daniels
ICO Registration Number: ZB638471
Email address: info@finance4ugroup.co.uk
Telephone number: 01495 981 438
Postal address: 31 Bryn Derw, Blackwood NP12 1SN
What Does This Notice Cover?
This Privacy Information explains how we use your personal data: how it is collected, how it is held, and how it is processed. It also explains your rights under the law relating to your personal data.
What Is Personal Data?
Personal data is defined by the UK GDPR and the Data Protection Act 2018 (collectively, “the Data Protection Legislation”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
The personal data that we use is set out in Part 5, below.
What Are My Rights?
Under the Data Protection Legislation, you have the following rights, which we will always work to uphold:
The right to be informed about our collection and use of your personal data. This Privacy Notice should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 11.
The right to access the personal data we hold about you. Part 10 will tell you how to do this.
The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 11 to find out more.
The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we hold. Please contact us using the details in Part 11 to find out more.
The right to restrict (i.e. prevent) the processing of your personal data.
The right to object to us using your personal data for a particular purpose or purposes.
The right to withdraw consent. This means that, if we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.
The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
Rights relating to automated decision-making and profiling. We do not use your personal data in this way. Part 6 explains more about how we use your personal data.
For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 11.
It is important that your personal data is kept accurate and up-to-date. If any of the personal data we hold about you changes, please keep us informed as long as we have that data.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office. We would welcome the opportunity to resolve your concerns ourselves however, so please contact us first, using the details in Part 11.
What Personal Data Do You Collect and How?
We may collect and hold some or all of the personal and non-personal data set out in the table below, using the methods also set out in the table. We do not collect any ‘special category’ or ‘sensitive’ personal data and/or personal data relating to children and/or data relating to criminal convictions and/or offences.
Data Collected
How We Collect the Data
Identity Information including: name, date of birth
Via our own promotions or trusted third party sources
Contact information including: address, email address and telephone number/s
Via our own promotions or trusted third party sources
Business information including: business name, type of business
Via our own promotions or trusted third party sources
Payment information including: bank details
Via our own promotions or trusted third party sources
Profile information including: references, purchase history, interests.
Via our own promotions or trusted third party sources
Data from third parties including :contact information
Via our own promotions or trusted third party sources
How Do You Use My Personal Data?
Under the Data Protection Legislation, we must always have a lawful basis for using personal data. The following table describes how we will or may use your personal data, and our lawful bases for doing so:
What We Do
What Data We Use
Our Lawful Basis
Administering our business.
Contact information – email, telephone, postal address
Legitimate Interest – contact to validate details
Supplying our products and services to you
Contact information – email, telephone, postal address
Supplying services or marketing information that may be of interest to you.
Managing payments for our products and or services
Contact information, card or bank details
Products and or services have to be paid for.
Personalising and tailoring our products and or services for you
Contact information and any other financial information held
Legitimate interest – e.g. to promote debt related opportunities
Communicating with you.
Contact information – email, telephone, postal address
Legitimate interest – to supply information requested by you.
Supplying you with information by e-mail and or post that you have opted-in-to (you may opt-out at any time by contacting us via our website or an opt out link in our e-mails.
Contact information – email, telephone, postal address
To supply requested information or to promote products and or services which we deem to be of interest.
With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email and or telephone and or text message and or post with information, news, and offers on our products and or services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the Data Protection Legislation and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.
We will always obtain your express opt-in consent before sharing your personal data with third parties for marketing purposes and you will be able to opt-out at any time.
We will only use your personal data for the purpose(s) for which it was originally collected unless we reasonably believe that another purpose is compatible with that or those original purpose(s) and need to use your personal data for that purpose. If we do use your personal data in this way and you wish us to explain how the new purpose is compatible with the original, please contact us using the details in Part 11.
If we need to use your personal data for a purpose that is unrelated to, or incompatible with, the purpose(s) for which it was originally collected, we will inform you and explain the legal basis which allows us to do so.
In some circumstances, where permitted or required by law, we may process your personal data without your knowledge or consent. This will only be done within the bounds of the Data Protection Legislation and your legal rights.
How Long Will You Keep My Personal Data?
We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept):
Type of Data
How Long We Keep It
Identity Information including name, address, e-mail address, telephone numbers, date of birth
6 Months
Contact information including name, address, e-mail address, telephone numbers, date of birth
6 Months
Business information including name, address, e-mail address, telephone numbers
6 Months
Payment information including credit or debit card or bank details
6 Months
Profile information including debt information
6 Months
How and Where Do You Store or Transfer My Personal Data?
We will only store your personal data or store some of your personal data in the UK. This means that it will be fully protected under the Data Protection Legislation.
And / or
We will only store your personal data or store some of your personal data within the European Economic Area (the “EEA”). The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein. This means that your personal data will be fully protected under the EU GDPR and/or to equivalent standards by law. Transfers of personal data to the EEA from the UK are permitted without additional safeguards.
And / or
We may store some or all of your personal data in countries outside of the UK. These are known as “third countries”. We will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation as follows:
We ensure that your personal data is protected under binding corporate rules. Binding corporate rules are a set of common rules which all our group companies are required to follow when processing personal data. For further information, please refer to the Information Commissioner’s Office.
Or
We will only store or transfer personal data in or to countries that are deemed to provide an adequate level of protection for personal data. For further information about adequacy decisions and adequacy regulations, please refer to the Information Commissioner’s Office.
Or
We will use specific approved contracts which ensure the same levels of personal data protection that apply under the Data Protection Legislation. For further information, please refer to the Information Commissioner’s Office.
Please contact us using the details below in Part 11 for further information about the particular data protection safeguard/s used by us when transferring your personal data to a third country.
The security of your personal data is essential to us and to protect your data, we take a number of important measures, including the following:
limiting access to your personal data to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality.
procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, your personal data) including notifying you and/or the Information Commissioner’s Office where we legally required to do so;
Do You Share My Personal Data?
If we sell, transfer, or merge parts of our business or assets, your personal data may be transferred to a third party. Any new owner of our business may continue to use your personal data in the same way(s) that we have used it, as specified in this Privacy Policy.
In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.
or
We may share your personal data with other companies in group for information purposes. This includes subsidiaries or holding company and its subsidiaries.
We may sometimes contract with the following third parties to supply products and or services :
Recipient
Perfect Benefits and Care Collect Debt Plans
Media Blanket
Kachadula
Granite Leads
The Debt Advice Service - Debt Plans
H & L Business Consulting Ltd - Debt Plans
Digivo Ltd Affiliate Marketing, Loans
Maxed Up Media Ltd - Affiliate Marketing
Cat Marketing - Debt plans
Community Savers - Debt Plans
Nobl Ltd - loans
Advice Debt - Debt plans
Express Finance Loans Ltd - loans
Clockwork Claims
Engage Performance Group Ltd
If any of your personal data is shared with a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 8.
[If any personal data is transferred outside of the UK, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation, as explained above in Part 8.
We sell, transfer, or merge parts of our business or assets, your personal data may be transferred to a third party. Any new owner of our business may continue to use your personal data in the same way(s) that we have used it, as specified in this Privacy Policy.
In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.
How Can I Access My Personal Data?
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.
All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 11. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.
There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.
We will respond to your subject access request within 10 days and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.
How Do I Contact You?
To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details for the attention of G Daniels
Email address: info@finance4ugroup.co.uk
Telephone number: 07836 729 154
Postal Address: 31 Bryn Derw, Blackwood NP12 1SN
Complaints
If you do have a complaint do contact us in the first instance using the details as above. We will reply within 2 working days and deal with your complaint within 10 working days and provide a final response within 30 working days. If you are unhappy with out final response, you may contact the Financial Ombudsman Service HERE
Changes to this Privacy Notice
We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.
Any changes will be made available on this website.