When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
If you complete a contact form that data will be transferred to our file system. We use only recognised storage solutions for our data but this may be outside the EU.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
Who we share your data with
Lenders, funding providers and other product or service providers only in connection with your application . Statutory bodies as required by legistlation.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
Data relating to a finance application, regardless of success, will be retained for seven years from the final date the file has been worked upon (or funding repaid)
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Information which you provide may be transferred to countries (including the United States, Japan and other countries) which may not have data protection laws equivalent to those in force in the European Economic Area. However, we will take steps to ensure adequate protections are in place to ensure the security of your information.
In addition, personal information submitted for publication on the website may be published on the internet and available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
You expressly agree to such transfers of personal information.
Your contact information
How we protect your data
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.
You are responsible for keeping your password and user details confidential. We will not ask you for your password (except when you log in to the website).
Data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet. Whilst we will use reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.
What data breach procedures we have in place
In the event of a data breach, those affected will be informed of the nature of the breach and what steps are needed to secure their data.
What third parties we receive data from
Information which is in the public domain only.
Industry regulatory disclosure requirements
Anti-Money-Laundering and Treating Customers Fairly requirements mean data will be retained to;
a. help us identify you;
b. arrange finance and other related products for you;
c. administer our website and improve your browsing experience by personalising the website to enable your use of the services available on the website;
d. analyse client engagement, activity and preferences;
e. notify you of any changes to our services which may affect you;
f. send you general (non-marketing) commercial communications;
g. send you email notifications which you have specifically requested;
h. send to you our newsletter and/or other marketing communications relating to our business which we think may be of interest to you by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer wish to receive marketing communications);
j. provide third parties with anonymised statistical information about clients – but this information will not be used to identify any individual;
k. deal with enquiries and complaints.