Privacy Policy

We take your privacy seriously; please take the time to read and understand our Privacy Notice.

Who We Are:

Moffat Finance Ltd (“we”) are Commercial & Asset Finance Brokers and Lenders operating out of Advance Finance & Leasing Ltd offices at Chadwick House, Birchwood Park, Warrington Road, Warrington, Cheshire, WA3 6AT.

How to Contact Us:

For questions relating to this Privacy Policy or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact the "Data Controller" at the postal address given above or by email at enquiries@moffatfinance.com.

Information we will collect about you:

We may collect the following personal data about you (along with other non-personal data):

Verification Details eg. Name, Date of Birth, National Insurance Number, Driver’s Licence Number
Contact Details e.g. address, telephone number, email address
Service Details eg. what services you require from us
Location

The information collected about you may come from you or from external sources such as credit reference agencies and fraud prevention agencies.

How we will use the Information about you and our lawful basis for doing so:

We will use your personal data for the following purposes:

To respond to your service enquiry.
To carry out our obligations arising from any contracts entered into between you and us.
To notify you about any changes to our service.
To provide you with information about other products or services we offer that may be of interest to you.
To provide you with Information, products and services you request from us.
To approach lenders on your behalf to arrange the funding you require.
To make lender decisions.
For fraud prevention.
For audit purposes.
For statistical analysis.
For credit reference checks.
For Electronic Identity Verification.

Our lawful basis for handling your personal data in the above ways are:

(1) because it is necessary for the performance of a contract with you.

(2) because It is a legal obligation upon us; or

(3) because we have obtained your consent. Where we are relying upon your consent, you have right to withdraw such consent at any time by emailing our data protection representative.

We need your basic personal data in order to provide you with an accurate recommendation for your personal circumstances. The processing of your personal data may be necessary because you have asked us to take specific steps before entering into a contract. You do not have to provide us with personal data we request but if you do not provide us with the required personal data we may not be able to provide the required services to you.

How we share your information:

We may share your personal Information with the following:

Our employees and officers
Commercial lenders, leasing companies, finance companies and banks
Specialist funders
Solicitors
Accountants
Credit reference agencies
Fraud prevention agencies
Credit enforcement agencies
Data destruction agencies
Third party companies and organisations who offer services that may be of assistance to you where we cannot provide the service you require (in this Instance, we would only ever share your personal data with your prior permission).

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities we undertake, where you give us consent or where we are required to do so by law or regulation.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Marketing:

From time to time, we would like to contact you by post, email, telephone and text with details of Products, Information, News and Competitions.

If you have already consented and wish us to stop using your information for this purpose or any other purpose, then please contact us.

Where we store your personal data:

We have a data protection regime in place to oversee the effective and secure processing of your personal data.

Your data is stored electronically; our server is based In the UK. For the purposes of IT hosting and maintenance, your personal data may be transferred to servers within the European Union.

Paper-based records are kept in locked cabinets in secure office premises.

How long we keep your personal data:

We are required to keep your basic personal data, such as name, address, and contact details. This will be kept indefinitely by us within the European Union so that we can comply with the rules and guidance dictated by the Financial Conduct Authority and Professional Indemnity Terms and Conditions as set by our insurer.

Other personal data will be retained for no longer than necessary to protect our commercial and operational interests, which include fraud prevention, use in legal proceedings and for taxation purposes.

The information used for marketing will be kept by us until you notify us that you no longer wish to appear on our marketing database.

Once we decide that we no longer need your information, it will be securely and confidentially destroyed.

What are your rights:

As a Data Subject, you have the following rights:

The right to request a copy of all personal data we hold about you (a fee will be payable for excessive requests).

The right to request correction of personal data we hold about you If it incorrect or incomplete.

The right to deletion of personal data we hold about you where there is no compelling reason for us to continue to hold it.

The right to restrict our data processing activities.

The right to object to processing if the lawful basis is legitimate interest or performance of a task in the public interest or if the processing is direct marketing.

The right to file a complaint with the ICO (www.ico.org.uk).

If you wish to invoke any of these rights, or make a complaint about how we hold or use your data, please write to us at:

Moffat Finance Ltd

C/O Advance Finance & Leasing Ltd

Chadwick House

Birchwood Park

Warrington

WA3 6AE