PRIVACY POLICY
Overview
Livingstone Finance UK Limited are authorised and regulated by the Financial Conduct Authority FRN 656034.
We are committed to protecting and respecting your privacy and this Privacy Policy sets out how Livingstone Finance UK Limited uses and protects any information that you provide us when you apply to use our services either by applying to us directly or via an introducer.
The information we ask you to provide by which you can be identified will only be used as detailed in this policy statement. For the purposes of the General Data Protection Regulation (GDPR), we are both the ‘data processor’ and the 'data controller' (i.e. the company who is responsible for controlling and the processing of your personal data).
Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it. We may change this policy periodically, so we recommend you revisit this from time to time to ensure you are fully aware of any changes and how they could affect you.
If you are applying for any of the services or products we offer, and you do not agree with any part of this Privacy Policy then you should not continue with your application.
Livingstone Finance UK Limited is a broker and not a lender.
This policy document contains the following sections;
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Information We Collect |
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How We Use the Information We Collect |
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How We Share the Information |
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Automated Credit Scoring |
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Retention of Your Personal Information |
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Your Rights Under General Data Protection Law |
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Third Party Websites |
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Information Security |
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Accessing and Changing Your Personal Information |
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Marketing |
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Lodging A Complaint with A Supervisory Authority |
Information We Collect
We will collect personal information or personal data about you in various ways, including:
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When you apply for finance via an introducer, complete an online application form or a contact form, provide your application to us via telephone. |
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The information we collect in relation to an application, product or service may include but not restricted to; name, address, telephone number, email address, date of birth, employment details (including income), details of expenditure, passport information, driving license details, bank details, credit history, insurance details, dependants, associates, transaction and credit card information. |
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Should you advise us, or we identify you as a “Vulnerable Customer” then we may need to collect personal sensitive information i.e. health information regarding a disability, illness or impairment. |
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This information, if mandatory as part of the application will have to be provided in order for us to continue with your application. |
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Should you apply online, we collect information about your computer hardware and software i.e. your IP address, browser type, domain names, access times and referring web site addresses. This information is used by us to maintain the quality of the service and to provide general statistics regarding the use of the web site. |
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Information provided to the business, from business partners, and from other organisations such as credit reference agencies and fraud prevention agencies. |
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If you require assistance from us relating to a product or service we offer, or to make or assist with a complaint. |
How We Use the Information We Collect
We use the information collected from you to provide you with the services we offer and for the lawful processing of the data based on the following;
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The data subject has given consent to the processing of his or her personal data for one or more specific purposes; |
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Processing is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering into a contract: |
Subject to applicable laws we will monitor and record calls, email, text messages, social media messages and other communications.
Main Purposes;
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Provide you with information you require or have requested |
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Assess any credit application, which will include confirming your identity and the prevention of fraud or money laundering. |
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Responding to any communication you send us. |
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To handle any enquiry or complaint you make relating to our business or websites. |
How We Share the Information We Collect
We may share your personal information with the following parties;
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Third party loan service providers and administration companies who undertake the day to day servicing of our business. Your information will be submitted to the most appropriate lender from our selected panel of funders. |
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Our legal & professional advisors such as our auditors, legal advisors in the event of the sale or restructuring of our business |
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Other third parties acting on our behalf such as our IT software and maintenance providers for analytical and storage purposes. |
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We may also use or disclose information to the extent required by law, court order, as requested by other government law enforcement authority, or to enforce legal rights |
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Law enforcement agencies and regulatory bodies if necessary such as HMRC, the Financial Conduct Authority and the Information Commissioners Office. |
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Courts, in order to comply with a legal agreement for the administration of justice. |
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Fraud Prevention Agencies. |
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Credit Reference Agencies (See below) |
Credit Reference Agencies
In processing your application, we will carry out a credit search, to determine the most suitable lender to meet your requirements, however no foot print will be left on your file. We may request a credit check with more than one finance provider, which could result in one or more further credit searches being carried out by the chosen lender/s. They will/may add their search to your records and this will be seen by other organisations that make credit searches.
Your information will also be used to verify the accuracy of the data you have provided to us, and to prevent criminal activity, fraud and money laundering.
Searches will also be made in respect of Directors and Partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.
Joint Applicants
If you provide personal information about someone else, for example a joint application you must only do so with the consent of the other person. If you enter into a product jointly with another person your data will be shared with the other person.
If you provide information about others, you confirm that the other person has given you authority to act on their behalf and has agreed that you can provide their personal data.
Automated Credit Scoring
Several companies in our lending panel operate automated credit scoring systems as part of their assessment process. However, your application is also subject to a manual assessment by our underwriting team. If your application is rejected solely based on a credit scoring system, you can request that your application is manually assessed as part of the reconsideration.
Retention of Your Personal Information
We need to keep your personal information for as long as necessary to fulfil the purposes for which it was collected as described above. This includes retaining it in order to comply with legal & regulatory requirements and in the case of claims.
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Retention in case of queries – We will retain it in case of queries from you |
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Retention in case of claims – We will retain certain parts of your personal information for the period in which you might legally bring claims against us |
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Retention in accordance with legal and regulatory requirements – We carefully consider whether we need to retain your personal information after the period described above in case of a legal or regulatory requirement. |
Your Rights Under General Data Protection Law
Your personal information is protected under data protection law and you have a number of rights which you can enforce against us as your data controller. You should be aware that these rights do not apply in all circumstances. If you seek to exercise one against us it will be at that stage be explained to you whether the right does apply to you based on the facts.
Your rights are as follows:
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The Right to Be Informed |
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The Right to Object |
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The Right to Restrict Processing |
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The Right to Have Your Personal Information Erased |
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The Right to Request Access |
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The Right to Data Portability
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Third Party Websites
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers 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 data to these websites. The links to some of these are below:
https://www.moneybarn.com/privacy-policy/
Information Security
We are committed to ensuring that your information is secure while it is held with us.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data 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.
Accessing and Changing Your Personal Information
If for any reason you are concerned that the personal information we hold about you is incorrect, or if you would like your personal information removed from our records please contact us by email and we will be happy to review, update or remove information as appropriate.
If you asked to be removed from our database, we will mark your account “Closed” but will keep your information as per the retention period requirements. However, if you close your account then your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties unless required to by law.
In accordance with the General Data Protection Regulation you may request details of personal information we hold about you. Any requests should be made to: Livingstone Finance UK Limited, 7-9 Macon Court, Crewe CW1 6EA
Marketing
Please be aware that we will not sell or otherwise disclose any personal data provided to us to any other party without your express permission.
Lodging a Complaint with The Information Commissioner’s Office
Under the General Data Protection Regulation, you have the right to report a concern with a Supervisory Authority which in the United Kingdom is The Information Commissioner’s Office. (ICO)
You can report concerns via the ICO website, but please allow us the opportunity first to understand your issue and see if we can resolve matters with you.
You can visit its website for more information: www.ico.org.uk
Contacting Livingstone Finance UK Limited
Should you wish to contact us about any aspect of this Privacy Policy then please find below our contact details;
Livingstone Finance UK Limited
7-9 Macon Court
Crewe
CW1 6EA
Phone 0845 643 5058
Or via email