NZB Property Specialists Limited T/A UK Ethical Loans are committed to protecting and respecting your privacy
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed. In this policy we will also outline the lawful basis for processing your data, why we wish to collect the data, and what your rights are in regards to the data.
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the General Data Protection Regulations the data controller is NZB Property Specialists Limited T/A UK Ethical Loans.
We understand the importance of data security, how we collect personal data from you and how it is managed thereafter. All information that you provide to us, or that is collected about you, is stored on our secured servers. We use safeguards such as firewalls and physical access barriers to ensure that your personal data is protected.
Our systems use role based authorisation and authentication where any action made is logged (e.g. to view, edit or delete data of any kind) as an enhanced security measure. Any repayment transactions that take place will be encrypted using secure socket layer (SSL) technology, and all debit card details are encrypted on our system to comply with PCI DSS (Payment Card Industry Data Security Standard) requirements.
We will collect and process the following data about you from our application form:
Upon completion of the application form we may also request the following data from you:
If you contact us via email, SMS, post of telephonically we may keep a record of the correspondence or conversation. We may also collect data from third party sources, such as social media, credit reference agencies, third party tracing services and debt collections agencies. This data will only be collected and stored if deemed necessary and will not affect your rights.
The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by accessing the full notice available under the heading “Fair Processing Notice (Fraud Prevention), below.
The aforementioned data will be processed for the following purposes:
We may process your information to assist with automated decision making often associated with finance companies and their ability to assess affordability. Any information provided to build such decisions within our internal scorecard will be anonymous and will not impact your rights. If you are unhappy with the manner that we have made a decision you will be able to request further information from our Underwriting team, with the possibility of having the decision reviewed. Further information is given in our application correspondence issued if you wish to continue with your application.
Legal grounds for processing your information and data retention. The data protection laws allow use of personal data for the purpose of legitimate interests which does not outweigh the interests, rights or freedoms of customers.
Any data collected from you will be processed lawfully, fairly and in a transparent manner. The lawful basis for processing the following data is legitimate interests:
Any personal data held about you may be disclosed for the following purposes:
Members of staff at Nzb Property Specialists Limited T/A UK Ethical Loans. or appointed representatives (such as a debt collection agency) may be passed your data in order to service your account for the above purposes. Data will only be shared with these recipients on the basis that we have a legitimate interest in which to do so.
Personal data may be accessed by members of staff at Evergreen Finance London Ltd. or appointed representatives who operate outside of the EU. Any data processed in this manner will be accessed and used via our secure servers to ensure there is no risk to the confidentiality of your personal data, and any activity is logged to ensure security and accountability.
We will not pass on any of your details for marketing purposes, whether internal marketing or externally, unless you actively consent to marketing.
Credit reference agencies (CRA's) and fraud prevention
When assessing your application, like most companies in consumer credit, we will run a credit check to verify your identity and assess your creditworthiness.
Credit reference agencies (CRA’s) have compiled their own privacy notice which we recommend reviewing, titled Credit Reference Agency Information Notice (CRAIN). CRAIN will give you further information about how your data is handled by CRA’s. You can find out more information by visiting https://www.transunion.co.uk/crain
If you have any further queries in regards to the above, you are able to contact the three main CRA’s in the UK using the following details:
If you believe that we are reporting inaccurate information regarding your credit activity to any of the above agencies I would urge you to contact us to discuss the inaccuracy. You can send us an email using the address info@ukel.co.uk or contact our office on 01157835648. More information is available by visiting the section entitled “YOUR RIGHTS”.
GENERAL
AUTOMATED DECISIONS
CONSEQUENCES OF PROCESSING
DATA TRANSFERS
YOUR RIGHTS
Under the General Data Protection Regulations you have the right to request access to the personal data held about you at any time. This is often referred to as a “Subject Access Request”. You will not be charged for the information provided unless it is deemed excessive, unfounded or repetitive. If we deem this to be the case we may charge you a reasonable administration fee. Your personal data will be supplied to you within one month of receipt of the request. If we require more time to process your request you will be informed.
If we refuse your request you will be informed of the reason why, and you will be able to raise a complaint to the supervisory authority or to a judicial remedy. More information is available by visiting the section entitled “COMPLAINTS REGARDING THE USE OF PERSONAL DATA”. You can request access to your data by emailing info@ukel.co.uk Please include the specific information that you are requesting, alongside details that allow us to locate your data (such as full name, reference number etc.) Alternatively you can request access to your data by contacting us on 01157835648 or writing to us 7 Victoria Road Nottingham NG42LA
Under the General Data Protection Regulations you have the following rights regarding the processing of your data:
Right to be informed: We aim to be completely transparent in the manner that we process your data. This privacy policy and our pre-contract information are written to provide a full overview of how we use your data. If you wish to query any aspect of this notice, or you have any questions not addressed in this notice, please email our dedicated mailbox info@ukel.co.uk
Right to restrict processing: If you believe that any of the personal data that we hold on you, have processed about you, or will process about you is unlawful you can request that we restrict processing while we look at the points you have raised.
You can request for the data to be restricted by emailing info@ukel.co.uk. Please include the personal data that you want to be restricted, why you want this data restricted and details that allow us to locate your data (such as full name, reference number etc.) Alternatively you can request to restrict use of your data by contacting us on 01157835648 or writing to us 7 Victoria Road Nottingham NG42LA
If we refuse your request you will be informed of the reason why, and you will be able to raise a complaint to the supervisory authority or to a judicial remedy. More information is available by visiting the section entitled “COMPLAINTS REGARDING THE USE OF PERSONAL DATA”.
Right to rectification: If you believe that any of the personal data that we hold on you, or have processed about you (such as credit reference agency data) is inaccurate you have the right to request that we correct the information.
You can request for the data to be rectified by emailing info@ukel.co.uk Please include the specific information that you are disputing, alongside details that allow us to locate your data (such as full name, reference number etc.) Alternatively you can request data rectification by contacting us on 01157835648 or writing to us 7 Victoria Road Nottingham NG42LA
If we refuse your request you will be informed of the reason why, and you will be able to raise a complaint to the supervisory authority or to a judicial remedy. More information is available by visiting the section entitled “COMPLAINTS REGARDING THE USE OF PERSONAL DATA”.
Right to object: You have the right to object to the manner that we are processing your data if you do not believe we have legitimate grounds to engage in the processing activity.
You can object to the data being processed by emailing info@ukel.co.uk. Please include the specific reason you are objecting to us processing your data, alongside details that allow us to locate your data (such as full name, reference number etc.) Alternatively you can object to use of your data by contacting us on +44 1157835648 or writing to us 7 Victoria Road Nottingham NG42LA
If we refuse your request you will be informed of the reason why, and you will be able to raise a complaint to the supervisory authority or to a judicial remedy. More information is available by visiting the section entitled “COMPLAINTS REGARDING THE USE OF PERSONAL DATA”.
Right to access: Please refer back to the section entitled “ACCESS TO YOUR INFORMATION” which explains your rights to obtain personal data.
The following rights will not be applicable if you opt to proceed with your application:
Right to erasure: In certain circumstances where personal data is processed you will be able to request that your information is erased.
Due to the legitimate interests involved in our processing of your personal data (such as fraud prevention and possible debt recovery) we will be unable to erase any data permanently unless there is an exceptional circumstance in which to do so that overrides the legitimate interests for processing.
You can contact us by emailing info@ukel.co.uk if you wish to obtain more information regarding the right to erasure. If you are unsatisfied with our explanation you will be able to raise a complaint to the supervisory authority or to a judicial remedy. More information is available by visiting the section entitled “COMPLAINTS REGARDING THE USE OF PERSONAL DATA”.
Right to data portability: Due to the legitimate interests involved in our processing of your personal data we will be unable to transfer your data as outlined by the General Data Protection Regulation. You can contact us by emailing info@ukel.co.uk if you wish to obtain more information regarding the right to data portability, and why it does not apply in this instance. If you are unsatisfied with our explanation you will be able to raise a complaint to the supervisory authority or to a judicial remedy. More information is available by visiting the section entitled “COMPLAINTS REGARDING THE USE OF PERSONAL DATA”.
If you are unhappy with the manner that we handle your personal data you can make a complaint directly to us. A copy of our full complaints procedure can be located here, although you can find the contact details to raise a complaint outlined below:
Phone: +44 1157835648
Email: info@ukel.co.uk
Post: 7 Victoria Road Nottingham NG42LA
If you remains dissatisfied with the manner that we have handled the complaint you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). More information can be located by reviewing our complaints procedure.
You can also refer your concerns regarding the handling of personal data to the Information Commissioner’s Office (ICO). You can contact them using the following methods:
Phone: +44 300 123 9123
Post: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF
Website: https://www.ico.org.uk/
Our site may contain links to and from third party websites. If you follow a link to any of these websites, please note that these websites have their own terms of use and privacy policies, and we do not accept any responsibility or liability for these policies.
Please check these policies before you submit any personal data to these websites and please note that we are not responsible for the services or representations of third parties.
For any additional queries regarding this notice or how we intend to use your data please contact us using the details below:
Phone: +44 1157835648
Email: info@ukel.co.uk
Post: 7 Victoria Road Nottingham NG42LA