This Privacy Policy has been prepared by Positive Cashflow Finance Ltd to meet the requirements of the UK’s Data Protection Act 1998 and the General Data Protection Regulation (GDPR). It applies solely to the collection, protection, disclosure, and use of personal data belonging to living individuals.
The Policy is applicable to all websites owned and operated by the Company, including [website URL], and does not extend to data originating from companies or other entities. However, the general principles regarding our collection and use of data remain consistent regardless of whether the user is an individual or an organisation.
This Policy (together with our Website Terms and Conditions of Use and any other documents referenced within it) outlines the basis on which any personal data we collect from you, or that you provide to us, will be processed by the Company. We encourage you to read the following carefully to understand our views and practices regarding your personal data.
1. Information We May Collect from You
1.1. We may collect and process the following personal information:
General personal details, including:
Your name
Your contact details (e.g., email address, phone number)
Communications, such as queries, concerns, or feedback sent via email, phone, or other means.
Survey responses for research purposes, though participation is optional.
Information We Collect Automatically:
1.2. When you visit our website, we may collect:
Technical information, including your IP address, browser type and version, time zone, and operating system.
Details about your visit, such as URLs clicked, products viewed, page response times, and browsing patterns.
1.3. Data from other websites or services we operate may also be collected.
1.4. Note that non-personal data may also be collected for statistical purposes.
2. What We Do with Your Data
2.1. Providing Our Services We process personal data to:
Submit your application to lenders or third-party partners.
Contact you regarding your application or inquiries.
Match you with suitable financial products.
Detect and prevent fraudulent activities.
Notify you of changes to our services.
2.2. Contacting You
We may use your contact information to share service updates or offers. You can opt out anytime via email or website links.
2.3. Improving Our Services
Your data may be used for analytical purposes to enhance our offerings.
2.4. Customer Support
We may use your information to assist with account inquiries or concerns.
2.5. Related Products and Services
We may inform you about related products and services with your consent.
3. Sharing Your Information
3.1. Data may be shared with:
Business loans providers.
Data processing entities, such as: Debt collection agencies.
Credit reference agencies (e.g., Experian, Equifax).
Government agencies.
3.2. Information may also be shared with advertising networks (e.g., Facebook, Google) for targeted marketing.
3.3. Links to third-party websites are subject to their privacy policies.
4. Legal Basis for Processing Data
4.1. Data processing is conducted under:
Performance of a contract (e.g., providing services you requested).
Legitimate interests (e.g., improving services or fraud prevention).
Consent (explicit opt-in required for specific purposes).
Legal obligations (e.g., compliance with law enforcement).
5. Data Storage and Transfers
5.1. Personal data is stored securely, with encryption for sensitive information.
5.2. Cross-border transfers are secured through data-transfer agreements.
6. Cookies and Tracking
6.1. Cookies help improve your browsing experience. Details are available in our Cookie Policy.
6.2. You can adjust your browser settings to refuse cookies, though some website features may be restricted.
7. Your Rights
Under GDPR, you have the following rights:
Access to personal data.
Rectification of inaccuracies.
Erasure of data where applicable.
Restriction of processing under certain conditions.
Data portability in machine-readable formats.
Objection to data processing for direct marketing.
8. Credit Reference and Fraud Prevention
8.1. Credit checks may be conducted through authorised agencies.
8.2. False information or fraud detection may lead to information sharing with law enforcement.
9. Data Retention
9.1. Personal data is retained only for as long as necessary to fulfill the purposes outlined in this policy.
10. Complaints
10.1. Concerns about our data handling can be directed to us or the Information Commissioner’s Office (ICO).