You have a right to know how we will use your personal information. It is important that you read these terms and conditions as they set out how we may use your information.
How we use your information
If you have consented then we may send you information about products of ours and others which may be of interest to you. You have a right at any time to stop us from contacting you for these purposes. We will store and process your information on Edinburgh Asset Finance Limited ’s computers and in any other way. By “your information” we mean personal information that you have given to us, by email or in writing.
If you have consented then we may use your information to inform you by email about other products and services offered by ourselves which we believe may be of interest to you. If you do not want to receive information about other products and services please contact Edinburgh Asset Finance Limited at 7 Hopetoun Crescent, Edinburgh, EH7 4AY. You can ask us in writing at any time from the same address for a copy of the information we keep about you. A fee will be charged for this service. If you were introduced to us by a third party, we may give them your contact details. We may give information about you and how you manage your account to the following:
- Third parties who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential. If they are located in another country we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us;
- Anyone to whom we transfer or may transfer our rights and duties under this agreement.
- We may also give out information about you if we have a duty to do so or if the law requires us to do so.
Otherwise we will keep information about you confidential. Calls between us may be recorded and/or monitored.
Credit Reference and Fraud Prevention Agencies
Although we do no not carry out any credit checks, under some circumstances when you apply for a product or service it may be necessary to confirm that all the information you have given is true and complete. When you apply for a product or service you authorise us to check the following records about you and others (see below);
- Our own;
- public (including the electoral register).
- Those at fraud prevention agencies (FPAs).
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the General Data Protection Regulation (GDPR) (EU) 2016/679.
We are registered at Companies House under number SC451837. Our main business is finance and we provide short term loan facilities to individuals which are secured by their personal assets in return for the repayment of the credit and the payment of interest. We are authorised by the Office of Fair Trading, and our Consumer Credit License Number on its register is 659915.
Your Privacy hen using www.edinburghassetfinance.co.uk
When you or someone visits our site we collect and analyse standard internet log information and details of visitor behaviour patterns. We use this information to find out things such as the number of visitors to the various parts of the site so we can continually improve the user experience . The way in which this data is collected means it is not personally identifiable. Also we do not make any attempt to find out the identities of those visiting our website. We will not associate or share any data gathered from visiting our site with any with any third party sources. If we do want to collect personally identifiable information through our website such as a contact form, this will be obvious and will require you to press a submit button.
Cookies usage on www.edinburghassetfinance.co.uk
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used on many websites in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
The below table explains the cookies we use and what they do:
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These cookies are used to collect information about how visitors use our website. We use the information to compile reports and to help us improve the site. Like many services, Google Analytics uses first-party cookies to track visitor interactions.These cookies are used to store information, such as the time that the current visit occurred, whether the visitor has been to the site before and what site referred the visitor to the web page. Browsers do not share first-party cookies across domains.
Click here for an overview of privacy at Google Analytics
Most internet web browsers allow some control or complete blocking of cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org
Your Rights under the GDPR
The GDPR provides the following rights for individuals:
- The right to be informed
- The right of access
- The right to rectification
- The right to erasure
- The right to restrict processing
- The right to data portability
- The right to object
- Rights in relation to automated decision making and profiling.
If you do not become a client of Edinburgh Asset Finance we may retain your data for up to 1 year.
If you become a client of Edinburgh Asset Finance we will retain your data for 6 years from the end of the last company financial year they relate to.
Complaints about your personal data
You have the right to lodge a complaint with the Information Commissioner if you consider that, in connection with personal data relating to you, there is an infringement of the GDPR.
If you wish to make a complaint you can contact us in a number of ways
Telephone: 0131 556 2500
In writing: Edinburgh Asset Finance, 7 Hopetoun Crescent, Edinburgh, EH7 4AY
In person: At our office, 7 Hopetoun Crescent, Edinburgh, EH7 4AY
We will do our best to resolve complaints before close of business on the next working day. However, if we are unable to do this we will:
– Acknowledge your complaint in writing within 5 working days assuring you that the we have received the complaint and it is being dealt with
– Keep you informed of the progress of the complaint
– Provide you with a final response within 14 days of receipt of the complaint
Where your complaint relates to consumer credit products, we will inform you that if you remain dissatisfied with our final response you have the right to refer the complaint to the Financial Ombudsman Service (FOS) within 6 months of our final response. We will also include a copy of the FOS explanatory leaflet.
Further information about the FOS can also be found on their website www.financial-ombudsman.org.uk