CHRISTMAS SHUTDOWN 2021
8 December 2021
Please note our closure dates for the Christmas period this year...
This policy explains how we collect information, what we use the information about you for, the basis on which we collect it and your rights.
The information we hold is collected and managed by the following companies -
The company’s registered office Sterling House 2-4 Mill Lane, Whittle Le Woods, Chorley, Lancashire, PR6 7LX. The Data Protection Officer for the company can be contacted on 01257 232224 or by e-mail: email@example.com
Kingsley Asset Finance Limited oversees all of the data management to ensure that compliance with this policy and the data protection rules.
We collect the following information from you or your representative:
We and third parties may use your personal data for the following the purposes:
We will use your data in considering applications for and providing any credit. We may share this information with third parties where necessary to provide the service. This information is all used so we can carry out or obligations or rights under these contracts with you. We use your personal information when providing services to:
Where we process your data, it is subject to our strict internal policy requirements as well as the Data Protection regulations.
In order to process an application we will perform credit and identity checks on you with one or more credit reference agencies ("CRAs"). We may also make periodic searches at CRAs to manage your account with us.
To do this we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention.
We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record this outstanding debt. This information may be supplied to other organisations by CRAs.
When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.
If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should discuss this with them, and share this information with them, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.experian.co.uk or www.creditsafe.co.uk
We will hold the personal information we use to meet the requirements of our agreements with you for the period of those agreements and any further period afterwards that we need for regulatory or other legal reasons (such as to defend any claims). This will usually mean that we will hold information for seven years after an agreement ends. We will remove any personal information we do not need when we no longer need it.
Where we have personal information which you have consented for us to use we will hold it for the period the consent remains in force and any other period we need for regulatory or other legal reasons. You may remove your consent at any time.
We will delete any information about you we no longer need. Please see below in relation to your rights to have data erased, rectified or for you to access it and for you to object to any processing or to transfer it.
You have a number of rights in relation to your personal information. These are –
You are also able to withdraw any consent you have provided for us to use your data at any time. This is opting out and the process is set out below.
You can opt out by unsubscribing from the benefits communication you receive.
Your privacy and data protection is very important to us and we comply with all aspects of the Data Protection legislation and ensure that any third parties we engage do so. You can find out more about your rights to data from the Information Commissioners Office.
Some data processing may occur in other parts of the European Union ("EU") or outside of the EU. Wherever data is processed your rights under the Data Protection Regulations will be met and we will ensure that any agreement to process your data ensures this and give you rights in the unlikely event of any security breach.
If you have any enquiry relating to your personal information, you can e-mail us at firstname.lastname@example.org
Please note that because of the insecure nature of emails we cannot accept any responsibility for data lost or intercepted in transit.
Or write to us at:
The Data Protection Officer
Kingsley Asset Finance Ltd
2-4 Mill Lane
Telephone: 01257 232224
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