Our Privacy Notice & Privacy Policy

www.lendalinebusinessfinance.co.uk is owned and operated by Lendaline Business Finance Ltd.
PRIVACY NOTICE
1. Who are we?
‍Lendaline Business Finance Ltd are commercial finance brokers based in Milton Keynes, however we have representation throughout the UK.  We act as a broker for our clients. Lendaline Business Finance Ltd are Authorised and Regulated by the Financial Conduct Authority. FRN: 975936.

2. How will we use the information about you?
‍Here at Lendaline Business Finance Ltd, we take your privacy seriously and we will use your personal information in a number of ways which will help us;
1. Enable lenders to make decisions,
2. For fraud prevention,
3. For audit purposes,
4. For statistical analysis,
5. Credit reference checks.

We may share your information with, and obtain information about you from credit reference agencies or fraud prevention agencies.  Information you provide may be put onto a register and shared with other lenders to prevent fraudulent claims. You can use this link to find out more at https://www.experian.co.uk/legal/crain/

We will not disclose your information to any company outside of our approved panel of lenders except to help prevent fraud or if required bylaw to do so.

For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold on you, please contact enquiries@lendaline.co.uk

3. Additional marketing
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We value our relationship with you and would like to maintain contact to ensure the information we hold about you remains accurate and that the facilities we offer are relevant to your future needs.  By ticking the box on your application you confirm you would like us to contact you for marketing purposes using the following methods – by Post,Text, Email and Phone.

4. Your Personal Data: What do we need?
‍Lendaline Business Finance Ltd will be what’s known as the“controller” and the “processer” of your personal data you provide to us. We collect personal data about you which includes your name, address history,contact details (telephone and email) and may also include any special types of information or location-based information.

Information may be collected in writing or by recording of telephone or face to face conversations.We also gather (where relevant to our finance application on your behalf) evidence of:
•             Financial status
•             Regular financial commitments
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5. Why do we need it?
‍We need to know your personal data in order to provide you with an accurate recommendation for your personal circumstances.  We will not collect any personal data from you we do not need in order to provide and oversee this service to you. For processing of data to be lawful under GDPR.

Lendaline Business Finance Ltd use;
a)            Consent: the individual has given clear consent for Lendaline Business Finance Ltd to process their personal data for a specific purpose.
b)            Contract: the processing is necessary for a contract Lendaline Business Finance Ltd have with an individual, or because they have asked you to take specific steps before entering into a contract.
c)            Legal obligation: the processing is necessary for Lendaline Business Finance Ltd to comply with the law (not including contractual obligations).
d)            Legitimate interests: the processing is necessary for Lendaline Business Finance Ltd’s legitimate interests of a third party unless there is a good reason to protect the individual’s personal data which overrides those legitimate interests.Please note it may adversely affect a lender’s decision should you not provide your permission to search.
6. What do we do with it?
‍Automated Decision Making: Lendaline Business Finance Ltd will pass your data captured to one or more of our approved panel of lenders; some of them may use automated decision-making in respect of your application for finance. We will only collect the minimum amount of data needed and have a clear retention policy for the profiles we create.

You have the right to not be the subject of a decision based solely on automated processing, including profiling, which produces legal effects concerning you or any significant effects.  You can request human intervention and challenge the decision made this way by contacting enquiries@lendaline.co.uk.

All the personal data we use is controlled by Lendaline Business Finance Ltd in the UK, however, for the purposes of IT hosting and maintenance, this information is located on servers within the European Union.  No third parties have access to your personal data unless the law allows them to do so. We have a Data Protection regime in place to oversee the effective and secure processing of your personal data.

More information on this framework can be found on our website: https://www.lendalinebusinessfinance.co.uk/data-protection-act-lendaline

We may pass your data to selected members of our approved panel of lenders in order to provide you with offers of products suitable to meet your requirements.If you wish to see the individual funder privacy policies please email enquiries@lendaline.co.uk or call 01908 419621. Your data is stored electronically on our encrypted server in the cloud.  Our servers are based in the UK.
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7. How long do we keep it?
‍We are required under regulation to keep all your personal data, including name, address history, contact details (telephone and email)for a minimum of 6 years after the conclusion of our business relationship, at which time it will be destroyed.  The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.
8. What are your rights?
‍If at any point you believe retained information is incorrect you can request to see this information and have it corrected and possibly deleted.

Providing you this information is free of charge, but charges may apply for excessive requests. If you wish to raise a complaint on how we have handled your personal data, you can contact one of our Directors who will investigate the matter. Where relevant, you have the right to withdraw consent and object at any time and this means that we cannot process your data provided without your consent.

More information about your rights can be found on the Information Commissioner’s website. https://ico.org.ukIf you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office (ICO).

Our ICO registration number is: ZB336658.

Please go to https://ico.org.uk/make-a-complaint/

In the case of a complaint please contact: complaints@lendaline.co.uk
9. Your consent
‍We will share your details with carefully selected members of our approved panel of lenders so that they process your information,allowing Lendaline Business Finance Ltd to offer suitable and sustainable products that they provide.  By ticking the box on your application, you confirm you provide us with consent to us passing your details to our lenders.

PRIVACY POLICY
We take your privacy seriously. This policy describes what personal information we collect and how we use it.

1. Introduction
‍1.1) We are committed to safeguarding the privacy of our website visitors and service users.
1.2) This policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users; in other words, where we determine the purposes and means of the processing of that personal data.
1.3) We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit our website.
1.4) Our website incorporates privacy controls which affect how we will process your personal data. By using the privacy controls, you can specify whether you would like to receive direct marketing communications and limit the publication of your information. You can access the privacy controls via https://www.lendalinebusinessfinance.co.uk/privacy-policy
1.5) In this policy, “we”, “us” and “our” refer to Lendaline Business Finance Ltd. For more information about us, see Section 19.
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2. How we use your personal data
‍2.1) In this Section 2 we have set out:
(a) the general categories of personal data that we may process;
(b) in the case of personal data that we did not obtain directly from you, the source and specific categories of that data;
(c) the purposes for which we may process personal data; and
(d) the legal bases of the processing.
2.2) We may process data about your use of our website and services (“usage data”). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services. The legal basis for this processing is consent.
2.3) We may process your personal data that are provided in the course of the use of our services (“service data”). The service data may include your name phone number and email address. The source of the service data is you. The service data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you. The legal basis for this processing is consent
2.4) We may process information contained in any enquiry you submit to us regarding goods and/or services (“enquiry data”). The enquiry data may be processed for the purposes of offering, marketing and selling relevant goods and/or services to you. The legal basis for this processing is consent
2.5) We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (“notification data”). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters. The legal basis for this processing is consent
2.6) We may process information contained in or relating to any communication that you send to us (“correspondence data”). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.
2.7) We may process any of your personal data identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.
2.8) In addition to the specific purposes for which we may process your personal data set out in this Section 2, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
2.9) Please do not supply any other person’s personal data to us, unless we prompt you to do so.

3. Automated decision-making
‍3.1) We will use your personal data for the purposes of automated decision-making in relation to marketing using google analytics and google remarketing.
3.2) This automated decision-making will involve the use of cookies in presenting certain forms of advertising. Please see our Cookie policy.

4. Providing your personal data to others
‍4.1) We may disclose your personal data to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.
4.2) We may disclose your personal data to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
4.3) We may disclose your name phone number and email address to our suppliers or subcontractors insofar as reasonably necessary for the purposes of operating our website, providing our services and or ensuring the security of our website and services
4.4) In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

5. International transfers of your personal data
‍5.1) In this Section 5, we provide information about the circumstances in which your personal data may be transferred to countries outside the European Economic Area (EEA).
5.2) The hosting facilities for our website are situated in United Kingdom.
5.3) We do not share your data internationally.
5.4) You acknowledge that personal data that you submit for publication through our website or services may be available, via the internet, around the world. We cannot prevent the use (or misuse) of such personal data by others.

6. Retaining and deleting personal data
‍6.1) This Section 6 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.
6.2) Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
6.3) We will retain your personal data as follows:
(a) Your name, company name, company address, phone mobile and email address will be retained for a minimum period of 6 months following 25th May 2018 or the date you enter your details onto our website, and for a maximum period of one year following 25th May 2018 or or the date you entered your details onto our system whatever is the later.
6.4) In some cases it is not possible for us to specify in advance the periods for which your personal data will be retained. In such cases, we will determine the period of retention based on the following criteria:
(a) the period of retention of personal data category will be determined based on he company policy of deleting all emails after 2 years criteria.
6.5) Notwithstanding the other provisions of this Section 6, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

7. Security of personal data
‍7.1) We will take appropriate technical and organisational precautions to secure your personal data and to prevent the loss, misuse or alteration of your personal data.
7.2) We will store all your personal data on secure servers, personal computers and mobile devices, and in secure manual record-keeping systems.
7.3) The following personal data will be stored by us in encrypted form: your name, contact information, password(s) and cardholder data.
7.4) Data relating to your enquiries and financial transactions that is sent from your web browser to our web server, or from our web server to your web browser, will be protected using encryption technology.
7.5) You acknowledge that the transmission of unencrypted or inadequately encrypted data over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
7.6) You should ensure that your password is not susceptible to being guessed, whether by a person or a computer program. You are responsible for keeping the password you use for accessing our website confidential and we will not ask you for your password except when you log in to our website.

8. Amendments
‍8.1) We may update this policy from time to time by publishing a new version on our website.
8.2) You should check this page occasionally to ensure you are happy with any changes to this policy.
8.3) We may notify you of changes to this policy by email.

9. Your rights
‍9.1) You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:
(a) the payment of a fee (currently fixed at GBP 10); and
(b) 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
9.2) We may withhold personal information that you request to the extent permitted by law.
9.3) You may instruct us at any time not to process your personal information for marketing purposes.
9.4) 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.
9.5) To the extent that the legal basis for our processing of your personal data is:(a) consent; or(b) that the processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract,and such processing is carried out by automated means, you have the right to receive your personal data from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.
9.6) If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.
9.7) To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.
9.8) You may exercise any of your rights in relation to your personal data by written notice to us.

10. Third party websites
‍10.1) Our website includes hyperlinks to, and details of, third party websites.
10.2) We have no control over, and are not responsible for, the privacy policies and practices of third parties.

11. Personal data of children
‍11.1) Our website and services are targeted at persons over the age of 16
11.2) If we have reason to believe that we hold personal data of a person under that age in our databases, we will delete that personal data.

12. Updating information
‍12.1) Please let us know if the personal information that we hold about you needs to be corrected or updated.

13. Acting as a data processor
‍13.1) In respect of Websites we host for clients we do not act as a data controller; instead, we act as a data processor.
13.2) Insofar as we act as a data processor rather than a data controller, this policy shall not apply. Our legal obligations as a data processor are instead set out in the contract between us and the relevant data controller.