The Website is brought to you by Positive Finance Solution. Positive Finance Solution believes it is important to protect your Personal Data (as defined in the Data Protection Act 1998) and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy. This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data, and tells you certain things we will do and not do. You should read this policy in conjunction with the Website Terms.
When we first obtain Personal Data from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services or products (as applicable). You can normally do this by ticking a box on an application form or contract. You may change your mind at any time by emailing us at the address below.
The Data Protection Act requires companies and individuals who process and retain information about their customers to tell the customer how the information will be used and to what purposes it will be put. The Act does not restrict itself only to information kept on a computer; it is relevant to any ordered filing system. This policy describes how Positive Finance Solution will process personal data relating to customers. We will not use your personal data in any other way without first informing you.
Collection of data.
We may collect Personal Data about you from a number of sources, including the following:
From you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details.
From you when you contact us with an enquiry or in response to a communication from us, in which case, this may tell us something about how you use our services.
From documents that are available to the public, such as the electoral register.
Using Your Personal Information
Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:
To help us to identify you when you contact us.
To help us to identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the Personal Data you have provided and/or any information we hold about you and Personal Data from third party agencies (including credit reference agencies).
To help us to administer and to contact you about improved administration of any accounts, services and products we have provided before, do provide now or will or may provide in the future.
To allow us to carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information.
To help to prevent and detect fraud or loss.
To allow us to contact you in any way (including mail, email, telephone, visit, text or multimedia messages) about products and services offered by us and selected partners unless you have previously asked us not to do so.
We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance.
We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.
We may allow other people and organisations to use Personal Data we hold about you in the following circumstances:
If we, or substantially all of our assets, are acquired or are in the process of being acquired by a third party, in which case Personal Data held by us, about our customers, will be one of the transferred assets.
If we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.
In connection with any transaction which we enter into with you:
We, and other companies in our group, may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be taken into account in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments.
If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations. We, and other credit and insurance organisations, may also use technology to detect and prevent fraud.
If you need details of those credit agencies and fraud prevention agencies from which we obtain and with which we record information about you, please write to our Data Protection Manager at Positive Finance Solution.
We have strict security measures to protect Personal Data.
We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
We reveal only the last five digits of your debit card numbers when confirming an order. Of course, we transmit the entire debit card number to the appropriate debit card company during application processing.
We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.
It is important for you to protect against unauthorised access to your password and to your computer. Be sure to sign off when you finish using a shared computer.
If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. You can also always send us an email (at the address set out below) at any time if you change your mind.
Please remember that communications over the internet, such as emails and webmails (messages sent through a website), are not secure unless they have been encrypted. Your communications may go through a number of countries before they are delivered – this is the nature of the internet. We cannot accept responsibility for any unauthorised access or loss of Personal Data that is beyond our control.
The Website may include third-party advertising and links to other websites. We do not provide any personally identifiable customer Personal Data to these advertisers or third-party websites.
We exclude all liability for loss that you may incur when using these third party websites.
We will collect information which you provide to us when you enquire about or apply for finance, which includes information gained from either or both stages of the Positive Finance Solution application form. This may include certain sensitive personal data within the meaning of the Data Protection Act 1998, for example, information about your health or ethnic origin.
If your application or enquiry relates to:
a second legal charge, Positive Finance Solution will be primarily responsible for the data which we hold about you.
a personal loan, Positive Finance Solution will be primarily responsible for the data which we hold about you.
an unsecured personal loan,Positive Finance Solution will be primarily responsible for the data which we hold about you.
a car finance loan, Positive Finance Solution will be primarily responsible for the data which we hold about you.
We may also collect data about you from our searches at credit reference agencies (see below) We will use your personal data to:
process the application you have made;
make, or cause searches to be made, at a credit reference agency, or agencies.
to offer you other products which we make available.
exercise or defend our legal rights and/or to comply with any legal requirements.
We may disclose your personal information to;
a lender or lenders in accordance with your application.
another broker if we are not able to arrange finance for you.
another broker in the future with a view to them offering you products they feel may be of interest to you.(subject to obtaining your consent).
the ICO or other regulatory bodies to ensure that we are processing information correctly and complying with regulatory requirements.
other legal authorities if required by law.
We may keep your information for several years. You can ask for the information not to be used to offer you other products. We have a duty to keep the personal information which we hold about you up to date and accurate and secure from misuse or accidental loss or damage.
All lending companies have their own individual privacy policies and customers should refer to these in respect of how they will use personal data.
Credit Reference Agencies
(The agencies do not keep ‘’blacklists’’ nor do they give any opinion about whether or not credit should be granted.) We may use one or more of these agencies. Information about which credit reference agency was used will be made freely available. The main credit reference agencies are:
Callcredit Plc, Consumer Services Team, PO Box 491, Leeds, LS1 5XX
Experian Limited, Consumer Help Service, PO Box 8000, Nottingham, NG1 5GX
Equifax Plc, Credit File Advice Service, PO Box 1140, Bradford, BD1 5US
Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters roll) and records of most county court judgments and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.
NOTE – CREDIT REFERENCE SEARCHES AND FINANCIAL LINKS
Please note that searches at credit reference agencies will be shown in any other searches which are made in connection with applications made by you and/or other members of your household. The disclosure of multiple searches may adversely affect your credit profile and may make credit harder for you to obtain.
Information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records.
If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise us and any lender involved in the application to search, link and/or record information at credit reference agencies about you and /or anyone else referred to by you.
Reports from CIFAS relating to fraud and fraud avoidance are also available to most lenders – these contain information indicating that fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS, may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household.
CML Repossession Register
The Council of Mortgage Lenders, Repossession Register is available through the main credit reference agencies. If you have had a property repossessed or have given it up voluntarily this will show on the register.
A file may also show a “gone away” marker indicating that a member of the “Gone Away Information Network” has reported that they cannot trace a customer who is in arrears with payments. Alternatively, the marker may indicate a new address which the “gone away” has been traced to.
Files in this register contain detailed information on applications made and loans given. It is aimed at tracing fraudsters who use different combinations of information to obtain credit dishonestly. It checks and counter checks information given on application forms. If we use any of the above agencies they will be able to confirm their contact addresses. CIFAS information is intended to warn lenders and act as a protection for innocent customers.
Access to your data
You are able to see what information we hold about you and where it was obtained from. You can ask us for a copy at anytime by writing to us. We will reply within 40 days from receipt of your request. To obtain a copy of the personal data we hold on you, please write to the Compliance Officer, 1st Stop Personal Loans, 10 Whitehills Business Park, Blackpool, FY4 5LW, enclosing an administration payment of £10.
Please contact us at the same address if you have any reason to believe the data we hold on you is inaccurate.
If you wish to see the information contained on a credit reference agency file you can do so by writing to the relevant agency. The agency must respond within 7 working days. There is a small fee of £2 required. If your credit reference file contains information about other people with whom you have no financial connection or if it contains information which is incorrect you can ask for the entry to be corrected, removed, or have a note put on the file explaining why you think the information is wrong. The agency will not remove correct information.
The Information Commissioner website provides useful information which explains how to request changes to your credit reference file. Visit their website here for more information.
Information is also available at www.dataprotection.gov.uk
When we provide services, we want to make them easy, useful and reliable. This sometimes involves placing small amounts of information on your computer. These are called ‘cookies’.
These cookies cannot be used to identify you personally and are used to improve services for you, for example through:
letting you navigate between pages efficiently.
enabling a service to recognise your computer so you don’t have to give the same information during one task.
recognising that you have already given a username and password so you don’t need to enter it for every web page requested.
measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure they are fast.
See allaboutcookies.org or www.youronlinechoices.eu to learn more about cookies.
Visit www.google.co.uk/goodtoknow/data-on-the-web/cookies for a video about cookies.
Users typically have the opportunity to set their browser to accept all or some cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these options, of course, means that personalised services cannot be provided and the user may not be able to take full advantage of all of a website’s features. Refer to your browser’s Help section for specific guidance on how it allows you to manage cookies and how you may delete cookies you wish to remove from your computer.
Multiple cookies may be found in a single file depending on which browser you use.
The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide, as follows:
Category 1: strictly necessary cookies These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.
Category 2: performance cookies These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
Category 3: functionality cookies These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as a live chat session. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.
Category 4: targeting cookies or advertising cookies These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.
The list below shows the cookies that we use, other than those that are strictly necessary to this service. If you have any queries about these, or would like more information, please contact our Data Protection Manager at Positive Finance Solution, 10 Whitehills Business Park, Blackpool, FY4 5LW or email us at email@example.com
The following are not Strictly Necessary, but are required to provide you with the best user experience and also to tell us which pages you find most interesting (anonymously).
Functional Cookies: This website will track the pages you visits via Google Analytics
Targeting Cookies: This website will allow you to share pages with social networks such as Facebook
This website will not share any personal information with third parties outside of The Positive Finance Solution Ltd.
By using this website, you agree that we can place these types of cookies on your device.
Like many websites, when you visit this website we may issue a ‘cookie’ or unique code that allows us to identify your computer. We use the cookie to note the different areas of this website recently accessed through your computer in order that we may monitor which pages of the site are of most interest to you. We will use the information collected in this way to tell you about services or products, which might be of interest to you when you make further visits to this website. Our full cookies policy can be found here.
We aim to keep the Personal Data we hold about you accurate and up to date. If you tell us that we are holding any inaccurate Personal Data about you, we will delete it or correct it promptly. Please email us at firstname.lastname@example.org or write to us at the address above to update your Personal Data.
If you have any questions about our Data Protection Policy, Email us at : email@example.com please visit us at: Compliance Officer, Positive Finance Solution, 8, Rumford Place, Liverpool – L3 9DG North West,United Kingdom.