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Privacy Policy

CREATIVE CAPITAL LIMITED

Privacy Policy

  1. Information About You

You will supply to us and we will collect from other sources personal data about individuals. The individuals will be the Client with whom we deal if you are a sole trader or if you are a company or unincorporated business they will be your major shareholders, directors, principals, partners, members, other officers or any guarantors and indemnifiers. We may also seek information about other parties involved in your business.

We are, however, fully committed to protecting the privacy of any individual and this privacy policy explains how we will obtain from the individual and others personal data about that individual, how we use that information, the procedures that we have in place to safeguard it and how to contact us about it.

It is important that each individual is made aware of this privacy policy.

For the purpose of this policy “you/your” shall mean every individual mentioned above.

  1. Information From You

You can visit our website without having to give us any information about you.

However, if you wish to apply for a selective invoice finance facility you will need to complete an application form which will be sent by email to you on request requiring amongst other things your name, home, business and email addresses, fax and telephone numbers, date of birth and certain details of your background and financial history.

Any guarantor and indemnifier will also be asked to supply an assets and liability statement.

You will also need to supply evidence of identity to comply with anti-money laundering requirements.

  1. Information From Others

We will obtain further or corroborative information about you by searching your record at one or more credit reference agencies from time to time.

We will also obtain references about you from referees nominated by you and others we choose.

We will check your details with one or more fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud, we will record this. It is important that you give us accurate information.

  1. Use of Information

Information about you will be used primarily by us to decide whether and upon what terms to enter into any agreement with you. It will also be used by us for training purposes, credit or financial assessment, market and product analysis, market research and preparing statistics.

The credit reference agencies will add to your record details of our searches and this will be seen by other businesses carrying out later searches. We and those other businesses may use those records to:

  • help make decisions about credit and credit related services, for you and members of your household;
  • help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of your household;
  • trace debtors, recover debt, prevent money laundering and fraud;
  • manage accounts.

We will add to your record with the credit reference agencies details of  your agreement with us and your performance under it.

We, the credit reference agencies and the fraud prevention agencies will also use the records for statistical analysis about credit, insurance and fraud.

We may also give information about you to third parties such as your bankers, any insurers, guarantors, professional advisors, any business providing a similar service to ours to whom you may wish to transfer, and any business to which we may wish to transfer the debts or our rights or duties.

Unless you object we may also contact you (by letter, telephone or e-mail) about services and products which we consider may be of interest to you and to carry out market research about our services and products or those of others.

  1. Safeguarding Your Information

Any information we obtain about you will be processed fairly and lawfully in accordance with the principles of, and our obligations under, current data protection legislation in the UK.

We also keep information confidential.  Our internal procedures cover the storage, access and disclosure of your information and our staff is fully trained and aware of its responsibilities.

  1. Your Consent

By submitting your information in an application you consent to the use of that information as set out in this policy.

If we change our privacy policy we will post the changes on this page and may place notices on other pages of the website, so that you may be aware of the information we collect and how we use it at all times. We will also e-mail you should we make any changes so that you may consent to our use of your information in that way.  Continued use of the facility will signify that you agree to any such changes.

  1. Contacting Us About Your Information

You may wish us to amend or delete information we hold, to have details of the credit reference and fraud prevention agencies from whom we obtain and with whom we record information about you or to stop our using it for one or more of the purposes set out.

In this case, or if you have any other enquiry relating to your information, please   telephone our Data Protection Officer on 01244 561 343 or send an e-mail to info@creativecapitaluk.com with the subject “Data Protection” stating your full name and your request.

You have a right at any time to receive a copy of the information we hold about you if you apply to us in writing.  A fee will be payable.

For training and/or security purposes phone calls to us may be monitored and/or recorded.