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Privacy Policy

Privacy Policy

At Consumer Credit Solutions Ltd we are committed to safeguarding and preserving your privacy. This Privacy Policy explains what happens to any personal data you provide to us, or we collect from you.

We do update this Policy from time to time so please review regularly.

Information We Collect

We may collect and process the following data about you:

i) Information about your use of our website including details of your visits such as pages viewed and the resources that you access. Such information includes traffic data, location data and other communication data. See Use of Cookies below.

ii) Information provided voluntarily by you, for example, when you complete a contact form or download documents.  We process your data in order to respond to your requests for information (and on the grounds of legitimate interest).

iii) Information that you provide when you communicate with us by any other means, i.e. telephone or direct email.  We process your data in order to respond to your requests for information (and on the grounds of legitimate interest).

Use of Cookies

Cookies provide information regarding the computer used by a visitor. We may use cookies where appropriate to gather information about your computer in order to assist us in improving our website.

We may gather information about your general internet use by using the cookie. Where used, these cookies are downloaded to your computer and stored on the computer’s hard drive. Such information will not identify you personally. It is statistical data. This statistical data does not identify any personal details whatsoever.

You can adjust the settings on your computer to decline any cookies if you wish.  This can be done by activating the reject cookies setting on your computer. You can also delete any existing cookies from your computer at any time.

Use of Your Information

We use the information that we collect from you to provide our services to you.  In addition to this we may use the information for one or more of the following purposes:

i) To provide information to you that you request from us relating to our products or services. This can including providing information from our lenders pertaining to their credit facilities and services.

ii) To provide information to you relating to other products that may be of interest to you. Such additional information will only be provided where you have consented to receive such information.

iii) To inform you of any changes to our website, services or products.

We may share your data with our lending partners in order to determine whether our products or services can be offered to your business.  We may share your data with credit checking organisations in order to carry out a credit check on your business to determine whether we can offer our products or services to your business. Credit checks are conducted by Experian and/or Dun and Bradstreet [D&B].  Please note: we are contractually obliged, by our lenders, to hold data pertaining to our clients.

We will not share your data with any other third parties except where your consent has been provided in advance.  Where such consent has been provided it can be withdrawn by you at any time.

We do not share data with third parties for marketing purposes.

We do not sell or rent personal data to third parties.

Storing Your Personal Data
By providing your personal data to us, you agree to its transfer, storage or processing. We do our utmost to ensure that all reasonable steps are taken to make sure that your data is stored securely. We cannot guarantee the security of data that you choose to send us electronically, and sending such information is entirely at your own risk.

Personal data is stored within the cloud-based CRM Dynamics system owned and managed by Microsoft. Microsoft has signed up to the Privacy Shield, which the EU has deemed acceptable and compliant with GDPR.

Other personal data is backed up by our UK-based IT Support Provider, then encrypted, transferred and stored on a server in the USA.  The hosting company does not have the encryption key.

We review the retention of personal data records on a regular basis. We will hold your information for as long as is necessary for the relevant activity, or for as long as we are contractually required.

i) CLIENT PERSONAL DATA – We are required to process and store some types of personal data in order to fulfil contractual obligations to our lenders.

ii) OTHER PERSONAL DATA – Other personal data provided to us, such as in the course of making an enquiry about our products and services, will be stored within our CRM database.

You have the right to request any personal information held on our systems is amended and/or deleted.

Disclosing Your Information

We will not disclose your personal information to any other party other than in accordance with this Privacy Policy and in the circumstances detailed below:

i) In the event that we sell any or all of our business, information will be passed to the buyer.

ii) Where we are legally required by law to disclose your personal information.

iii) To further fraud protection and reduce the risk of fraud.

Third Party Links

On occasion, we include links to third parties on this website. Where we provide a link it does not mean that we endorse or approve that site’s policy towards visitor privacy. You should review their privacy policy before sending them any personal data.

Access to Information [Data Subject Access Requests]

In accordance with the Data Protection Act 2018 (also known as the General Data Protection Regulation) you have the right to access any information that we hold relating to you.  Any requests must be made in writing and sent to the address below.

We reserve the right to request photo ID to confirm your identity prior to any data being released. You will receive copies of any data we hold, pertaining to yourself, within 30 days of receiving confirmation of your identity.

Contacting Us

Please do not hesitate to contact us regarding any matter relating to this Privacy Policy via email or in writing at 22 Eaton Avenue, Matrix Office Park, Euxton, Lancashire, PR7 7NA.  Please mark for the attention of Lisa Nelson, Business Support Manager.

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