Privacy Policy

We collect personal information about you when you use our website, or communicate with us by phone, email and social media. We collect Personal Data directly from you via communications between us when you use or apply to use our services.

Personal information we collect includes:

• Personal details such as your name, address, date of birth, email address, phone number and other contact information.
• Transaction information, such as the product you purchased, its price, your method of payment and your payment details.
• Information about your employment details, financial position and identification documents such as passport or driving licence.
• Your account information, such as dates of payments owed and received.
• Other Personal Data you voluntarily provide, which may include special category Personal Data relating to your health.

When using our Online Services, we may also collect:

• Account information and details you use to apply for our products and services.
• Details of your visits to our websites including web pages clicked, device information and location.
• IP address, type of device you are browsing from and cookie information.
• If you interacted with our Online Services from an email we sent you, we will have a record of that.

Data protection law sets out a number of different lawful reasons for which a company may collect and process your personal information.

Contract

• We use your personal information to process your finance application and payments or to give you a refund.
• We enter into a contract with you to facilitate an agreement when you make a credit application.
• To meet our legal, regulatory and contractual obligations arising from any loan agreement you enter into with us.
• To manage your account, make collections, trace you and recover debts owed by you.

Consent

• We use email and text messages to communicate with you about our products and services, including to obtain feedback and notify you of competitions, offers and promotions.
• To personalise your experience on our Online Services.
• To record if you have additional needs due to vulnerable circumstances or need extra support when communicating with us.
• Prevent Money Laundering and Terrorist Financing risk.

Legitimate Interest

• To provide customer support and to respond to and communicate with you about your requests.
• To contact you if we need to obtain or provide additional information in relation to your account or query.
• For marketing activities and personalising marketing messages through social media and other third party platforms.
• To protect against, identify and prevent fraud and other criminal activity such as money laundering.
• For network and information security in order for us to take steps to protect your information.

Legal Obligation

• To identify you when you contact us.
• To verify the accuracy of information that we hold about you.
• To assist regulators including HMRC, the Police or others in relation to an investigation by a public authority.
• To comply with our Financial Conduct Authority (FCA) obligations.

Vital Interest

• We may need to contact you if there are any urgent safety concerns relating to you or if we reasonably believe that the processing of your personal information will prevent or reduce any potential harm to you.

Under data protection law, some personal information is considered more sensitive, including information relating to race, health and financial information.

We only handle sensitive information if it is relevant to our dealings with you or you volunteer the information. Examples include where you have a vulnerability or health condition relevant to our dealings with you, or when assessing your ability to afford a loan.

When we handle sensitive information, we do so as allowed by data protection law — for example, where we have your consent, to protect someone’s vital interests or to prevent or detect crime — or as required by law.

We may engage in advertising activity across all digital platforms with both targeted and non-targeted advertising. For targeted advertising, we may use information obtained through the use of cookies or similar technologies in your web browser to display ads to you, which you may see on other websites or digital platforms.

We will seek your consent to deploy these kinds of cookies and similar technologies through our website cookies consent mechanism. More information is available in our Cookie Policy below.

We share personal information within the Seeder Bridging group of companies. Members of the group are not authorised to use or disclose the information except as provided in this Privacy Policy.

We may share your Personal Data with certain third parties where we have a legal basis to do so. These third parties include:

• The broker who puts you into contact with us to provide the credit that you require.
• To the purchaser or seller of the asset which you are purchasing.
• Regulatory or legal bodies in connection with any legal proceedings or for establishing, exercising or defending legal rights.
• Law enforcement agencies or regulatory bodies where we are required to do so by law.
• CRAs and Fraud Prevention Agencies (FPAs).
• Financial institutions to improve levels of service, reduce risk and provide duty of care to you and other customers.
• Providers that we work with to deliver our marketing campaigns.
• Police or other crime prevention organisations, such as the National Crime Agency.
• Emergency services (if we believe you may be at risk).

In order to process your application, we will share your personal information with credit reference agencies (“CRAs”) and they will give us information about you, including information from your credit application and about your financial situation and history.

We will use this information to:

• Assess your creditworthiness and whether you can afford to take the product.
• Verify the accuracy of the information you have provided to us.
• Prevent criminal activity, fraud and money laundering.
• Manage your account(s) and trace and recover debts.
• Make sure any offers provided to you are appropriate to your circumstances.

All our operations are located within the UK and we do not anticipate that we will transfer your Personal Data outside the UK. However, in the event that we do need to transfer your Personal Data outside the UK, we will take all steps reasonably necessary to ensure that any such transfer is made securely and that there is adequate protection in place, as required by the Act.

Please contact us if you wish to obtain a copy of the relevant safeguards.

We will keep your personal information for as long as you’re a customer. After you stop being a customer, in most cases, we will keep your information for up to 6 years after the last time you interacted with us.

We may keep your information for longer than 6 years if we cannot delete it for legal, regulatory or technical reasons. We do not retain personal information in an identifiable format for longer than is necessary.

The Data Protection Act 2018 gives individuals rights over their personal data, including:

• Right to be informed: Individuals have the right to know how and why their data is being used.
• Right of access: Individuals can request copies of their personal information.
• Right to rectification: Individuals can request that incorrect or incomplete data be corrected.
• Right to erasure or restriction: Individuals can request that their data be erased or processing restricted.
• Right to object: Individuals can object to how their data is processed in certain circumstances.
• Data portability: Individuals can get and reuse their data for different services.
• Right not to be subject to automated decision-making.

Please contact us in writing, by email or telephone using the details shown under ‘Contact Us’ below if you wish to exercise any of these rights. Please note these rights do not apply in all circumstances.

If you opt into marketing, we may contact you via email, SMS/text message or other electronic mail to inform you about products or services similar to those you have already agreed to, requested or enquired about.

You have the right at any time to ask us not to use your Personal Data for marketing purposes by notifying us using the contact details in the “Contact us” section below, or alternatively using the opt out link on any electronic communications you receive from us.

We will take reasonable measures to protect Personal Data in our possession from loss, misuse and unauthorised access. Personal Data is secured in the following ways:

• Personal Data is stored in a restricted access format.
• Personal Data will be transmitted in an encrypted format using Secure Sockets Layer (SSL) software.
• Following the Payment Card Industry Data Security Standard (PCI DSS) when handling card information.
• Adhering to General Data Protection Regulation (GDPR) guidelines when collecting, processing and storing information.
• Relevant networks are secured with certified firewalls in a multi-layered manner with redundancy.
• Network related equipment is secured with a password, accessible only to authorised engineers.

Our websites contain links to other websites run by other organisations which we do not control. These include websites which offer support in times of crisis and social media platforms. This Policy does not apply to those other websites and apps — we encourage you to also read their privacy statements.

If you have any questions about how we treat your personal data, wish to exercise any of your rights, or wish to make a complaint, please contact the Data Protection Officer:

• Post: Seeder Bridging Ltd, 93 Commercial Street, Tredegar, Gwent NP22 3DN
• Email: enquiries@testwebsitefv.uk
• Telephone: 01495 781841

You can also contact the Information Commissioner’s Office (ICO) if you have any concerns: ICO Contact

Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide a better user experience, and understand how the website performs.

They are used to ‘remember’ when your computer or device accesses our websites. Cookies are essential for the effective operation of our websites and are also used to tailor the products and services offered and advertised to you, both on our websites and elsewhere.

Cookies are either First Party (placed directly by Seeder Bridging) or Third Party cookies (placed by third-party organisations). Cookies are also either session or persistent:

• Session: Temporary cookie files which delete automatically when you close your browser.
• Persistent: Cookie files that remain in place even after you have finished your session — they delete automatically at the end of their duration period, or can be manually removed by you.

Types of cookies by purpose:

• Essential cookies — required for the operation of the website and cannot be disabled. They enable users to log into secure areas and display website content.
• First Party Performance Cookies — allow us to recognise and count the number of visitors and see how they move around the website.
• Third Party Performance Cookies — set by others when you visit our site to help us count visitors and see how they use it.
• Functionality cookies — used to recognise returning users and personalise content and preferences.
• Marketing cookies — record a user’s visit to a website and the pages visited, used to serve targeted advertising.

Some cookies collect information about browsing and purchasing behaviour when you access this website with the same computer or device. This includes information about pages viewed on our website.

We don’t use cookies to collect or record information on your name, address or other contact details. However, some Performance and Functional cookies will collect ‘hashed’ email addresses and the first part of a postcode. All data collected is encrypted and not attributed to your customer record.

• Ensure our website works properly and you see all the content.
• Keep our website safe from security risks.
• Identify any bugs or issues and work on performance improvements.
• To present digital advertising to you and measure the effectiveness of adverts.
• Remember information about you so you do not have to give it to us again.
• Keep you signed in, even on different devices.
• Help us understand how people are using our services so we can make them better.
• Help us personalise our website and emails by remembering your preferences and settings.

When you first visit our website you will be presented with a cookie banner where you can Accept All Cookies, open the Cookies Preference Centre, or Reject All but Necessary Cookies.

You can also manage cookies through your browser settings. Listed below are links to support documents for major browsers:

• Google Chrome
• Safari
• Mozilla Firefox
• Internet Explorer

If you remove consent to a specific class of cookies, it would not delete the cookies from your device and only disables them.

If you have any questions regarding this Cookie Policy you can contact us:

• Post: Seeder Bridging Ltd, 93 Commercial Street, Tredegar, Gwent NP22 3DN
• Email: enquiries@sbluk.ltd
• Telephone: 01495 781841

You can also contact the Information Commissioner’s Office (ICO): ICO Contact