We collect and use personal data about you, in accordance with the General Data Protection Regulation (GDPR), the UK Data Protection Act 2018 and any other national implementing laws and regulations.

We may collect and process the following information as part of your loan application and for the purposes of managing your loan agreement from you, from public records and from third parties with your consent.

This includes your name, address, date of birth, contact details, employment information, credit record and your agreement history.

The data we collect will be:

• Information about your credit history you provide to us
• Information about individuals you are financially linked with (e.g husband or wife)
• Your previous history in dealing with us
• Information we may receive directly from third parties (e.g a broker)
• Information we receive from checking with credit reference agencies, fraud prevention agencies and watchlists

For these purposes we will share information with the various agencies, and in doing so, the following may be true:

• The credit reference or fraud prevention agency, whether your application proceeds or not, may add details of our search and the credit application to the details the hold on you
• We may report details of the facility we give you or your company and how that facility is being operated including arrears, defaults or other failures to operate in line with the facility agreement to the credit reference or fraud prevention agency
• The credit reference or fraud prevention agency may pass any of the data captured to other companies that may use it for credit checking and any fraud purposes
• The credit reference or fraud prevention agency may use the information in producing statistical analysis about credit and fraud on an anonymous basis
• The credit reference or fraud prevention agency or us may link financial details with any financially linked person. This may mean that each other’s details may be taken into account on future credit decisions relating to you or the linked person. To remove this at a credit reference agency please contact them.

Further details of the credit reference agencies and how they use your data can be found at:

Experian

Equifax

Transunion

The Bluecroft Finance’s website openly uses cookies which collates information such as your IP address, browser type, operating system, referring URLs and information on actions taken or interaction with our digital assets.

Once you agree, the file is added, and the cookie helps analyse web traffic or lets you know when you visit a site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic to tailor the website to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

– All information you provide to us is stored on our secure servers.

– With all information we receive from you, we use strict procedures and security features to prevent unauthorised access. While we do our utmost to protect your personal information, we cannot guarantee the security of transfer of the data you send to our site; Each transfer to our site is at your own risk.

• To communicate with you by telephone, email, SMS, or post using the contact details you have provided
• Manage your account
• Prevent fraud and money laundering

We will share your personal data with third parties where we are required by law, where it is necessary to administer the relationship between us, or where we have another legitimate interest in doing so.

The following activities are carried out by third-party service providers.

IT services, marketing services and banking services.

All our third-party service providers are required to take commercially reasonable and appropriate security measures to protect your personal data.

For as long as it is needed to manage your account and for a maximum of six years unless a longer period is required by law.

You have the following rights in relation to your Data:

Right to access – the right to request copies of the information we hold about you at any time, or that we modify, update, or delete such information. If we provide you with access to the information, we hold about you, we will not charge you for this, unless your request is “manifestly unfounded or excessive”. Where we are legally permitted to do so, we may refuse your request for which you will be notified of the reasons why.

Right to correct – the right to have your Data rectified if it is inaccurate or incomplete.

Right to erase – the right to request that we delete or remove your Data from our systems.

Right to object – the right to object to our use of your Data including where we use it for legitimate interests.

To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data (where consent is our legal basis for processing your Data), please contact [email protected]

If you are not satisfied with the way a complaint you make in relation to your Data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commissioner’s Office (ICO). The ICO’s contact details can be found on their website https://ico.org.uk/.