Who we are

Asset Finance Man Limited, 14015064, registered office and trading address is Woodland Farm, South Tawton, Okehampton, England, EX20 2RA.

Asset Finance Man Ltd is an Appointed Representative of EFT Finance Limited, an FCA authorised and regulated independent finance broker Registration No. FRN 667290 (Company Registration Number 07215828. Registered office: Solo House, The Courtyard, London Road, Horsham, West Sussex, RH12 1AT).  Main trading address: Milnwood, 13 North Parade, Horsham, West Sussex, RH12 2BT.

Privacy Policy

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 us on compliance@eftfinance.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 Interestsbasis.  You provide us with your information so that we may seek suitable financing for your needs. 

We may also ask if you have any circumstances affecting your health or finances that you would like to make us aware of.  Any information given will help us and the funder(s) support you better on your financial journey.  We would need your Consent to record this information and to pass it onto any funder approached on your behalf.  If you prefer to inform the funder directly, we will be happy to provide you with the necessary contact details.

What information we may need from you

The following are examples of the information we may ask you to provide:

How we will use your information

We will pass your information onto potential funder(s).  Please contact either our Data Protection Officer on info@EFTfinance.co.uk or colin@assetfinanceman.co.uk, if you would like to know all the potential funders approached on your behalf.  EFT Finance Limited strongly recommends that you review the Privacy Policy notices on the websites of any 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.  

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.  If your request for funding is declined, the decline may be recorded on your credit record.

Finance companies use different CRA’s and some of them are listed below. Details about these CRA’s and their data protection policies can be obtained from these addresses which will take you to the same Credit Reference Agency Information Notice (CRAIN) document. If you wish to know specifically which CRA has been contacted, please ask us here at EFT Finance and we will find out for you.

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.

How long we store your information

Your information is stored in our live systems for 6 years from the end of our contact with you or the end of your last finance agreement, whichever is longer.  We also store your information in encrypted back-ups.  The back-ups are stored in a secure off-site location and will only be accessed for business continuity purposes.  Information is deleted from the backups 10 years after the last processing of your data. It is not currently technically possible to delete individual records from the encrypted back-ups.

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 us:

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 erasure

Should you exercise your right to have your data erased, we will remove your data from our live systems within one month of receiving a valid request.  Our back-ups will only be accessed for emergency business recovery situations.  Due to the nature of encrypted back-ups, it is not possible to delete your data within our back-ups within the same timeframe as our live systems.  We are committed to the permanent deletion of individual encrypted information held in back-ups if, and when, this becomes possible.

Your right to object (legitimate basis processing only)

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 withdraw Consent

You have the right to withdraw your consent for our processing of your information regarding any additional needs you may have.  We will continue to process your application for funding without the additional information and advise any funder who has been provided with the information of your decision to withdraw your consent.

Your right to complain

EFT Finance Limited always strives to provide a great service, giving clear information about products that deliver for you. If you are unhappy with any part of your dealings with us, please let us know. Our Complaints policy can be viewed on our website: Complaints — EFT Finance.

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.

The relationship between EFT Finance Limited and the Funders we use

EFT Finance Limited is an independent finance broker with access to a panel of lenders. Lenders will pay EFT Finance Limited a commission for introducing you to them. Different lenders may pay different commissions for such introductions. The amount of commission received from lenders will vary depending on the terms of your Agreement which may have an impact on the total cost of credit. If you wish to know the amount of commission EFT Finance Limited will receive, please ask your EFT Finance Limited contact.

Changes to our privacy policy

This privacy policy was last updated 24 August 2023.  We keep our privacy policy under review and will place any updates on our website www.eftfinance.co.uk.

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Privacy Policy

What information do we collect?

We collect information from you when you register on our site or place an order. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or mailing address.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways: To personalize your experience (your information helps us to better respond to your individual needs) To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) To process transactions Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. To administer a contest, promotion, survey or other site feature To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders by contacting customer service. Google Analytics We use Google Analytics on our sites for anonymous reporting of site usage and for advertising on the site. If you would like to opt-out of Google Analytics monitoring your behaviour on our sites please use this link (https://tools.google.com/dlpage/gaoptout/)

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Registration

The minimum information we need to register you is your name, email address and a password. We will ask you more questions for different services, including sales promotions. Unless we say otherwise, you have to answer all the registration questions. We may also ask some other, voluntary questions during registration for certain services (for example, professional networks) so we can gain a clearer understanding of who you are. This also allows us to personalise services for you. To assist us in our marketing, in addition to the data that you provide to us if you register, we may also obtain data from trusted third parties to help us understand what you might be interested in. This ‘profiling’ information is produced from a variety of sources, including publicly available data (such as the electoral roll) or from sources such as surveys and polls where you have given your permission for your data to be shared. You can choose not to have such data shared with the Guardian from these sources by logging into your account and changing the settings in the privacy section. After you have registered, and with your permission, we may send you emails we think may interest you. Newsletters may be personalised based on what you have been reading on theguardian.com. At any time you can decide not to receive these emails and will be able to ‘unsubscribe’. Logging in using social networking credentials If you log-in to our sites using a Facebook log-in, you are granting permission to Facebook to share your user details with us. This will include your name, email address, date of birth and location which will then be used to form a Guardian identity. You can also use your picture from Facebook as part of your profile. This will also allow us and Facebook to share your, networks, user ID and any other information you choose to share according to your Facebook account settings. If you remove the Guardian app from your Facebook settings, we will no longer have access to this information. If you log-in to our sites using a Google log-in, you grant permission to Google to share your user details with us. This will include your name, email address, date of birth, sex and location which we will then use to form a Guardian identity. You may use your picture from Google as part of your profile. This also allows us to share your networks, user ID and any other information you choose to share according to your Google account settings. If you remove the Guardian from your Google settings, we will no longer have access to this information. If you log-in to our sites using a twitter log-in, we receive your avatar (the small picture that appears next to your tweets) and twitter username.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Updating your personal information

We offer a ‘My details’ page (also known as Dashboard), where you can update your personal information at any time, and change your marketing preferences. You can get to this page from most pages on the site – simply click on the ‘My details’ link at the top of the screen when you are signed in.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.
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