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Privacy Policy

Last updated: 01.04.2014
InterFinancial Limited (“InterFinancial” and “we/us/our“) is committed to ensuring that your information is used properly and is kept securely. This Privacy Policy explains how we will collect and use your information.
By submitting your information to the InterFinancial Site (“Our Site”) you are consenting to the processing of your information by us and our agents in accordance with this Privacy policy.

1: Data Controller

Any information that you provide on this website is controlled by InterFinancial Limited which is registered as a data controller with the Information Commissioner’s Office in the United Kingdom under reference: Z2730774.
InterFinancial is a company registered in the UK with company number 05448143 and registered office at 149-151, Mortimer Street, Herne Bay, Kent CT6 5HA.
InterFinancial is an online loans broker and is licensed by the Office of Fair Trading in the United Kingdom under the Consumer Credit Act 1974 with licence number 0640077.
If you have any queries about the information we hold about you, please contact us at [[email protected] or call us on 01227 647030.]

Information we may collect


We may collect and process the following information about you (“Your Information“).

  1. Information that you provide when you visit our site, register for and use our online services, become a subscriber, request a quote, complete a loan application form or apply for any other product or service.
  2. Information that you provide to our partners, brokers and affiliates where you have consented to that information being passed to us.
  3. Information you provide to us when you contact us by email, SMS, telephone or letter.
  4. Information that we collect about you from documents that are available to the public, such as the electoral register, or from third parties such as credit reference agencies and fraud prevention agencies.
  5. Information you provide if you report a problem with our site or if you contact us and request assistance when using our site.
  6. Details of your visits to our site including but not limited to traffic data, location data, web logs and other communication data, whether this is required for our own purposes or otherwise and the resources that you access.

2: How we use your information

We use your information in the following ways:

  1. to contact you and any person referred to by you in connection with your application or enquiry;
  2. to process and respond to requests, enquiries and complaints received from you;
  3. to identify a lender or other product provider and arrange for the provision of the loan or other products and services requested by you;
  4. to communicate with you about products and services provided to or requested by you;
  5. to update our records;
  6. to analyse trends and profiles and carry out assessment and analysis (including credit and/or behaviour scoring, market and product analysis);
  7. for audit purposes;
  8. to carry out customer satisfaction research;
  9. to prevent or detect fraud;
  10. to provide you or to permit selected third parties to provide you with products or offer you services that we or they believe will be of interest to you where you have consented to be contracted for such purposes; [by email telephone or sms]
  11. to meet our regulatory compliance and reporting obligations
  12. to ensure that content from our site is presented in the most effective manner for you and your computer
  13. to develop and improve our services to you and notify you about changes to our services
  14. to enable third parties to carry out any of the above purposes on our behalf.

3: Sharing of Your Information

We may share Your Information with third parties in the following ways:

  1. We sometimes use agents and service providers to process your information on our behalf. For example, we may use third parties to maintain our IT systems. Where we use agents and service providers to process your information, we will ensure that they have adequate security measures in place to safeguard your information.
  2. We will release your personal information when we are required to do so for legal or regulatory purposes or as part of legal proceedings.
  3. We may give information we hold about you to third parties as part of the process of selling one or more of our businesses.
  4. Where you have given your permission, by ticking our opt in box on our application form, we will pass your information to carefully selected third parties so that they can contact you (by SMS, telephone or email) about products or services that they think may interest you. You can opt out from receiving marketing at any time by sending an email to [email protected]
  5. Your information may be passed to credit reference, fraud prevention, law enforcement agencies and identity and address verification agencies who may record and use your information and disclose it to other organisations for credit reference, debt tracing, fraud and money laundering prevention purposes.
  6. We may transfer your information to our partners, brokers and/or to potential lenders or third parties (e.g. debt counsellors and insurers) for the purposes of seeking or arranging finance for you, assessing your application and processing, administering and enforcing any subsequent loan which may be granted.
  7. We may also share your information with associated companies within our group.

You confirm you have the consent of any other person whose details are provided by you in connection with your application or enquiry to provide that person’s information to us and for us to use that person’s Information in accordance with this Privacy Policy.

If false or inaccurate information is provided, including in relation to a person’s identity and fraud is suspected or identified, details about this information, including customer Personal Data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent and detect crime, fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.

4: Where We store Your Information

In some circumstances your information may be transferred to, stored and processed by us or a service provider or third party with whom we share your information in another country including countries outside the European Economic Area such as the US, where data protection safeguards may not be as high as they are in the UK. If this occurs we will ensure that adequate procedures are put into place to protect your Information.
All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a user name, passcode and memorable word which enables you to access certain parts of our site, you are responsible for keeping this user name, passcode and memorable word confidential. You must not to share these with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your information, we cannot guarantee the security of your information transmitted to our Site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access. 

5: How We use cookies

A “cookie” is a small piece of information that is stored on the browser on your computer’s hard drive.  Most websites use cookies to improve the way the website works and to provide information to website operators about use of the website. We use cookies to allow you to use and navigate our site, to store information about your preferences, to collect information about how visitors use our site and to enable us to improve our site. Most web browsers allow you to manage and block the use of cookies by changing your browser settings. If you choose not to accept cookies on our site this may affect the quality of your visit to our site.  
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie

Name

Purpose

More Information

Source Website

searchString

Used to identify source search engine

This Cookie will identify the search engine you used to find our website

Keyword

keywordString

Used to identify the keyword you used

This cookie will identify the keyword you used to find our website

For more information on cookies (including how to switch them off) please visit www.allaboutcookies.org

How To Disable Cookies

To clear your browsers cookies cache you must first of all identify your browser below and then follow the step by step instructions:

Internet Explorer 9:

Click the gear icon in the browser’s upper right corner and click Internet Options.
On the General tab, click Delete in the Browsing History section.
Clear all of the check boxes except Temporary Internet Files and Cookies.
Click Delete and then click OK.

Internet Explorer 8:

In the Tools menu, click Internet Options.
On the General tab, click Delete in the Browsing History section.
Clear all of the check boxes except Temporary Internet Files and Cookies.
Click Delete and then click OK.

Internet Explorer 7:

In the Tools menu, click Delete Browsing History.
Click Delete Files and then click Yes.
Click Delete Cookies and then click Yes.
Click OK.

Internet Explorer 6 and earlier:

In the Tools menu, click Internet Options.
On the General tab, in the Temporary Internet files section, click Delete Files and then click OK.
Click Delete Cookies and click OK.
Click OK to close the window.

Mozilla Firefox 3.5 and later:

In the Tools menu, click Clear Recent History.
In the Time range to clear dropdown menu, select Everything.
Click the arrow next to Details.
Check the boxes for Cookies and Cache.
Click Clear Now.

Mozilla Firefox 3.0 and earlier:

In the Tools menu, click Clear Private Data Options.
Check the boxes for Cache and Cookies.
Click Clear Private Data Now.

Safari:

In the Safari menu, click Empty Cache.
Click Empty.
In the Safari menu, click Preferences.
Click the Security icon.
Click the Show Cookies button.
Click Remove All.
Click Done.

Chrome:

Click the wrench icon on the browser toolbar.
Select Tools.
Select Clear browsing data.
Clear all of the check boxes except for Empty the cache and Delete cookies and other site data.
Use the “Clear data from this period” menu to select Everything.
Click Clear browsing data.

6: Your Rights

Where you have agreed that we may do so, we may contact you by phone, post, email or SMS to tell you about our services, products, offers, events and promotions. We may also share your information with third parties to enable them to contact you with marketing messages detailing their products and services.
You have the right to ask us not to contact you or share your information for marketing purposes by contacting Us [by post at InterFinancial Limited, 149-151, Mortimer Street, Herne Bay, Kent CT6 5HA] or by email to: [[email protected]] or by calling us on [01227 647030]. 

(Please note that if you ask us to stop contacting you for marketing purposes you will need to contact other organisations separately to ask them to do so as this will not happen automatically.)

You also have the right to access your Information and request details of the third parties with whom we have shared your Information by contacting us [in writing at InterFinancial Limited, 149-151, Mortimer Street, Herne Bay, Kent CT6 5HA] or by email to [[email protected]] and paying a small fee of no more than £10 to cover our costs.
 
You may correct errors in or update your information or request that we remove information about you from our records by sending us a request to the postal address or email address above. In most cases we will comply promptly with your request and let you know when we have done so.  However, sometimes we will not be obliged to comply with your request. If this is the case we will inform you of our decision and the reasons for that decision.

To protect your privacy and the security of your information, we may take reasonable steps to verify your identity before we act on any request which you may make in respect of your information.

Our Site may, from time to time, contain links to and from the websites of our partner networks and affiliates.  If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  Please check these policies before you submit any personal information to these websites.

7: Updates

We may update this Privacy Policy from time to time. Please ensure that you check Our Privacy Policy regularly for updates. Last updated 01-04-2014.