www.ukcoachfinance.co.uk Privacy Policy  

Introduction

This Privacy Policy outlines Uk Coach Finance (" we ", " our " or " the Company ") practices with respect to information collected from users who access our website at www.ukcoachfinance.co.uk (" Site ") or otherwise share personal information with us (collectively: " Users "). 

Grounds for data collection 

Processing of your personal information (i.e. any information which may potentially allow your identification through reasonable means; hereinafter " Personal Information ")  is necessary for the performance of our contractual obligations towards you and providing you with our services, to protect our legitimate interests and for compliance with legal and financial regulatory obligations to which we are subject.

When you use the Site, you consent to the collection, storage, use, disclosure and other uses of your Personal Information as described in this Privacy Policy.

We encourage our Users to carefully read the Privacy Policy and use it to make informed decisions. 

What information do we collect?

We collect two types of data and information from Users. 

The first type of information is un-identified and non-identifiable information pertaining to a User(s), which may be made available or gathered via your use of the Site (“ Non-personal Information ”). We are not aware of the identity of a User from which the Non-personal Information was collected. Non-personal Information which is being collected may include your aggregated usage information and technical information transmitted by your device, including certain software and hardware information (e.g. the type of browser and operating system your device uses, language preference, access time, etc.) in order to enhance the functionality of our Site. We may also collect information about your activity on the Site (e.g. pages viewed, online browsing, clicks, actions, etc.).

The second type of information Personal Information which is individually identifiable information, namely information that identifies an individual or may, with reasonable effort, identify an individual. Such information includes:
  • Device Information: We collect Personal Information from your device. Such information includes geolocation data, IP address, unique identifiers (e.g. MAC address and UUID) and other information which relates to your activity through the Site.
  • [add types of personal information collected and respective explanations, such as:]
  • Registration information: When you register with our Site you will be asked to provide us with certain details such as: full name; email or physical address, and other information.   

How do we receive information about you?

We receive your Personal Information from various sources:
  • When you voluntarily provide us with your personal details in order to register on our Site;
  • When you use or access our Site in connection with your use of our services;

What information do we collect?

We do not rent, sell or share Users’ information with third parties, except as described in this Privacy Policy.

We may use the information for the following
  • Communicating with you – sending you notices regarding our services, providing you with technical information and responding to any customer service issue you may have;
  • To communicate with you and to keep you informed about our latest updates and services;
  • To serve you advertisements when you use our Site (see more under "Advertisements"); 
  • To market our websites and products (see more under "Marketing"); 
  • For statistical and analytical purposes, intended to improve the Site.
In addition to the different uses listed above, we may transfer or disclose Personal Information to our subsidiaries, affiliated companies and subcontractors.

In addition to the purposes listed in this Privacy Policy, we may share Personal Information with our trusted third-party providers, who may be located in different jurisdictions across the world, for any of the following purposes: 
  • Hosting and operating our Site;
  • Providing you with our services, including providing a personalised display of our Site;
  • Storing and processing such information on our behalf; 
  • Serving you with advertisements and to assist us in evaluating the success of our advertising campaigns and help us retarget any of our users;
  • Providing you with marketing offers and promotional materials related to our Site and services; 
  • Performing research, technical diagnostics or analytics;
We may also disclose information if we have good reason to believe that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our policies (including our Agreement), including investigations of potential violations thereof; (iii) investigate, detect, prevent or take action regarding illegal activities or other wrongdoing, suspected fraud or security issues; (iv) to establish or exercise our rights to defend against legal claims; (v) prevent harm to the rights, property or safety of us, our users, yourself or any third party; or (vi) for the purpose of collaborating with law enforcement agencies and/or in case we find it necessary in order to enforce intellectual property or other legal rights.

User Rights

You may request to: 
  1. Receive confirmation as to whether or not personal information concerning you is being processed and access your stored personal information, together with supplementary information. 
  2. Receive a copy of personal information you directly volunteer to us in a structured, commonly used and machine-readable format. 
  3. Request rectification of your personal information that is in our control.
  4. Request erasure of your personal information. 
  5. Object to the processing of personal information by us. 
  6. Request to restrict processing of your personal information by us.
  7. Lodge a complaint with a supervisory authority.

However, please note that these rights are not absolute and may be subject to our own legitimate interests and regulatory requirements. 

If you wish to exercise any of the above rights or receive more information, please contact our Data Protection Officer (“DPO”) using the details provided below:
• By email: info@ukcoachfinance.co.uk  
• By post: Data Protection Officer, UK Coach Sales Ltd, 28 Sheppard Way, Rothley, Leicester, LE7 7WG.

Retention

We will retain your personal information for as long as necessary to provide our services, and as necessary to comply with our legal obligations, resolve disputes and enforce our policies. Retention periods will be determined taking into account the type of information that is collected and the purpose for which it is collected, bearing in mind the requirements applicable to the situation and the need to destroy outdated, unused information at the earliest reasonable opportunity. Under applicable regulations, we will keep records containing client personal data, account opening documents, communications and anything else as required by applicable laws and regulations. 

We may rectify, replenish or remove incomplete or inaccurate information, at any time and at our own discretion.

Cookies

We and our trusted partners use cookies and other technologies in our related services, including when you visit our Site or access our services. 

A "cookie" is a small piece of information that a website assigns to your device while you are viewing a website. Cookies are very helpful and can be used for various different purposes. These purposes include allowing you to navigate between pages efficiently, enabling automatic activation of certain features, remembering your preferences and making the interaction between you and our Services quicker and easier. Cookies are also used to help ensure that the advertisements you see are relevant to you and your interests and to compile statistical data on your use of our Services. 

The Site uses the following types of cookies:

a. 'session cookies' which are stored only temporarily during a browsing session in order to allow normal use of the system and are deleted from your device when the browser is closed; 

b. 'persistent cookies ' which are read only by the Site, saved on your computer for a fixed period and are not deleted when the browser is closed. Such cookies are used where we need to know who you are for repeat visits, for example to allow us to store your preferences for the next sign-in; 

c. 'third-party cookies' which are set by other online services who run content on the page you are viewing, for example by third-party analytics companies who monitor and analyse our web access.

Cookies do not contain any information that personally identifies you, but Personal Information that we store about you may be linked, by us, to the information stored in and obtained from cookies. You may remove the cookies by following the instructions of your device preferences; however, if you choose to disable cookies, some features of our Site may not operate properly and your online experience may be limited.

We also use a tool called “Google Analytics” to collect information about your use of the Site. Google Analytics collects information such as how often users access the Site, which pages they visit, when they do so, etc. We use the information we obtain from Google Analytics only to improve our Site and services. Google Analytics collects the IP address assigned to you on the date you visit sites, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to this Site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy.

Third-party collection of information

Our policy only addresses the use and disclosure of information we collect from you. To the extent you disclose your information to other parties or sites throughout the internet, different rules may apply to their use or disclosure of the information you disclose to them. Accordingly, we encourage you to read the terms and conditions and privacy policy of each third party that you choose to disclose information to. 

This Privacy Policy does not apply to the practices of companies that we do not own or control, nor to individuals whom we do not employ or manage, including any of the third parties which we may disclose information to as set out in this Privacy Policy. 

How do we safeguard your information?

We take great care in implementing and maintaining the security of the Site and your information. we employ industry standard procedures and policies to ensure the safety of the information we collect and retain, and prevent unauthorised use of any such information, and we require any third party to comply with similar security requirements, in accordance with this Privacy Policy. Although we take reasonable steps to safeguard information, we cannot be responsible for the acts of those who gain unauthorised access or abuse our Site, and we make no warranty, express, implied or otherwise, that we will prevent such access.

Transfer of data outside the EEA 

Please note that some data recipients may be located outside the EEA. In such cases we will transfer your data only to such countries as approved by the European Commission as providing adequate level of data protection, or enter into legal agreements ensuring an adequate level of data protection.

Marketing

We may use your Personal Information such as your name, email address, telephone number, etc., ourselves or by using our third-party subcontractors, for the purpose of providing you with promotional materials concerning our services which we believe may interest you.  

To respect your right to privacy, within such marketing materials we provide you with the means to opt out of receiving further marketing offers from us. If you unsubscribe, we will remove your email address or telephone number from our marketing distribution lists. 

Please note that even if you have unsubscribed from receiving marketing emails from us, we may send you other types of important email communications without offering you the opportunity to opt out of receiving them. These may include customer service announcements or administrative notices.

Corporate transaction

We may share information in the event of a corporate transaction (e.g. sale of a substantial part of our business, merger, consolidation or asset sale). In the event of the above, the transferee or acquiring company will assume the rights and obligations as described in this Privacy Policy.

Updates or amendments to this Privacy Policy

We reserve the right to periodically amend or revise the Privacy Policy; material changes will be effective immediately upon the display of the revised Privacy policy. The last revision will be reflected in the "Last modified" section. Your continued use of the Platform, following the notification of such amendments on our website, constitutes your acknowledgment and consent of such amendments to the Privacy Policy and your agreement to be bound by the terms of such amendments.
UK Coach Finance Ltd (ICO Registration: ZA653360 & FCA Registration: FRN 919032)
 Registered office:28 Sheppard Way Rothley Leicester LE7 7WG). Main trading address: 28 Sheppard Way, Rothley, Leicester, LE7 7WG.
This privacy policy explains how we and potential funders use the personal information we ask you to provide. Please read it carefully and if you have any questions, contact our Data Protection Officer on info@ukcoachfinance.co.uk. By sending us the information we have requested, we understand that you have read and are happy with the processing detailed in this privacy policy.
Our legal basis for processing your information, under the UK’s data protection laws, is the Legitimate Interests basis. You provide us with your information so that we may seek suitable financing for your needs. 
What information we will need from you
The following are examples of the information we may ask you to provide:
• Your full name and home address
• Your date of birth
• A copy of your passport
• A copy of your driving licence
• A recent utility bill detailing your home address
• Details of your personal means and liabilities
How we will use your information
We will pass your information onto potential funder(s). Please contact either our Data Protection Officer on info@ukcoachfinance.co.uk or your usual UK Coach Finance Ltd contact, if you would like to know all the potential funders approached on your behalf. We will never sell your information to third parties for marketing purposes.
Potential funders:
To process your application, the potential funder(s) will perform credit and identity checks on you and your business partners. They will send the information on your application to one or more Credit Reference Agency (CRA). The potential funder will then use the information provided by the CRA’s to verify the data you have provided, assess your creditworthiness and if necessary, prevent criminal activity.
In their data protection notices, potential funders will state if they use automated credit assessment and decision making or use personal data for marketing and related activities. You have a right to ask any funder(s) approached on your behalf to manually review any automated decision and you have the right to object to your information being processed for marketing or marketing related activities. Potential funders may process sensitive personal data (for example, mental and physical health details) but they would request your explicit consent to do so.
Credit Reference Agencies:
CRA’s will record the information about you, your business and its proprietors they receive from the potential funders. When the CRA receives a search from a potential funder, they place a footprint on your credit file which may be seen by other lenders. The CRA’s may supply the potential funder with both public (including electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
If you are a director, the potential funder may seek confirmation, from CRA’s, that the residential address you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House. The potential funder may search all directors as individuals as well as in their capacity as directors / guarantors.
If you are making a joint application or you tell us that you have a spouse or financial associate, you must discuss your funding requirements with them before we send the application to a funder, as the CRA’s may link your records together.
If you borrow from a funder, the details of your accounts and how you manage it/them will be passed onto CRA’s. If you borrow and do not repay in full and on time, CRA’s will record the outstanding debt and may supply this information to other organisations or Fraud Prevention Agencies (FPA’s) who may perform similar checks to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.  
If you provide false or inaccurate information and there is any suspicion of fraud, CRA’s will record this and may also pass this information to FPA’s and other organisations.
There are 3 CRA’s currently operating in the UK. Details about the CRA’s and their data protection policies can be obtained from these three addresses which will take you to the same Credit Reference Agency Information Notice (CRAIN) document:
• Callcredit Limited: www.callcredit.co.uk/crain
• Equifax Limited: www.equifax.co.uk/crain
• Experian Limited: www.experian.co.uk/crain
The information held by the CRA’s currently operating in the UK may not be the same. Should you wish to contact any of them it is worth considering contacting them all.
• Callcredit Limited – Consumer Services Team – 0330 0247574
• Equifax Limited – 0800 014 2955 or 0333 3214043
• Experian Limited – 0344 481 0800 or 0800 013 8888, https://ins.experian.co.uk/contact, consumer.helpservice@uk.experian.com
How long we store your information
The UK’s data protection laws require that personal information is retained only for as long as it is necessary for the purpose for which it was obtained. We store your information for 6 years from the date you supplied your information to ensure that we comply with this principle.
Your information security
We take steps to protect your personal data against loss or theft, unauthorized access/disclosure/copying/use or alteration.
Access to your information and correction
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all your personal information, please contact our Data Protection Officer:
• By email: info@ukcoachfinance.co.uk  
• By post: Data Protection Officer, UK Coach Finance Ltd, 28 Sheppard Way, Rothley, Leicester, LE7 7WG.
You have the right to ask us to update, correct or remove information you think is inaccurate or incomplete. Where you request changes to be made to the information that we hold, we will also advise any funders who hold your information. When your finance period ends or in the event of the funding not going ahead, you may ask us to erase your personal data.
Your right to object
You have the right to object to the processing of your information. We will stop processing your application for finance, unless there are legitimate reasons to continue, for example: the exercise or defence of legal claims.
Your right to complain
Should you feel that any matter has not been given the appropriate attention, you have the right to lodge a complaint with a supervisory authority.
• Complaints about how your information has been handled – Information Commissioner’s Office (ICO) ‘phone helpline: 0303 123 1113, post: ICO, Wycliffe House, Water Lane, Wilmslow, SK9 5AF, website: www.ico.org.uk.
• Complaints relating to your finance agreement – please contact the relevant finance company.
• Complaints about Paramount Commercial Credit’s service – write to: The Directors, UK Coach Finance Ltd, 28 Sheppard Way, Rothley, Leicester, LE7 7WG. or email info@ukcoachfinance.co.uk.
Changes to our privacy policy
This privacy policy was last updated December 2018. We keep our privacy policy under review and will place any updates on our website www.ukcoachfinance.co.uk