Privacy

Privacy Policy

This website is operated by Ealing Trading Company (Finance) Ltd who recognises the importance of protecting your privacy. Our policy is designed to follow the requirements of the General Data Protection Regulation (GDPR) in force from 25th May 2018. This policy explains why we collect personal information from customers who visit our website or customers who supply information to our agents, how we use it, the conditions under which we may disclose it to others and how we will keep it secure.

This policy will be continuously assessed against changes in regulation, business practices and our customers’ needs. By using our website, you’re agreeing to be bound by this policy. Any questions regarding this policy and our privacy practices should be sent by email to Contact@ealingtrading.co.uk by writing to Ealing Trading, South Suite, 2nd Floor, Hille House, 132 St Albans Road, Watford, Hertfordshire, WD24 4AE, Alternatively, you can telephone Freephone 0800 804 8690

Who are we?

Ealing Trading Company (Finance) Ltd is a Home Credit loan provider which is authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference number 702749. The registered address is as stated above.

How do we collect information from you?

We obtain information about you when you contact us about loan products and services via our office or our agent on a home visit to discuss a loan application with you, or you make a loan application via our website.

What type of information is collected from you?

The personal information we collect will include basic and special category information about you (sensitive personal data). This may include such information as Name, Address, Date of Birth, Telephone no, Email, NI No, Marital, Employment and Residency status, Financial background information, Bank/Building society details, Mortgage, Tenancy, Benefit, HMRC, Driving Licence and Passport information. If an online application is made, what pages are accessed and when or if you make an online loan application or accept an offer from us, as explained below is collected.

Information supplied to Agent

Personal information will be supplied to our agent either verbally or by sight of documents required for verification purposes. This information will be documented on our application/loan form (s) and is only used for the purpose of suppling loan products requested by you. You are required to confirm this information is accurately recorded at each time of application.

Data retention

Data supplied will be retained for a minimum of 6 years which after this time it will be destroyed if it is no longer required for the lawful purpose(s) for which it was obtained.

Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by other channels and will be destroyed if it is no longer required for the purpose(s) for which it was obtained.

Web Site Use Information

Similar to other commercial Web sites, our Web site utilises a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site.

How is your information used?

To process the application or enquiry you have made we may conduct a search via at a Credit Reference Agency (CRA) on you and any other named Person (s) on the application or enquiry. In most cases when credit reference agencies receive a search they will place a search “footprint” on your credit file whether or not the application proceeds. We will search at credit reference and fraud prevention agencies for information on all named Person (s) on the application or enquiry and their financial associates’; We use the information provided to us by credit reference and fraud prevention agencies to help make credit or credit related decisions, to verify identity, for the prevention and detection of fraud and/or money laundering, and to manage accounts.

The information which we and other organisations provide to the credit reference and fraud prevention agencies may be supplied by credit reference agencies to other organisations and used by them to perform similar checks.  We may also be required under statutory regulation to share data with associated regulators such as the Financial Conduct Authority, the Financial Ombudsman Service or the Information Commissioners Office. We may also disclose personal information about you to the extent required by Law, Court Order, by Government order or decree. Except as described above, we will not disclose your personal information to Third Parties, without your consent.

Steps will be taken to ensure that the information is accurate and kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to data. You may be assured that the company will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose.

We review our retention periods for personal information on a regular basis. We will hold your personal information on our systems for as long as is necessary for the relevant activity, or as long as is set out in any relevant transaction you hold with us. We generally keep your personal data for a minimum of 6 years which after this time it will be destroyed if it is no longer required for the lawful purpose(s) for which it was obtained. If you consent to marketing, any information we use for this purpose will be kept with us until you notify us that you wish to unsubscribe from receiving this information. More information on our retention schedule can be found on our website.

All personal data collected will only be used and processed in the United Kingdom for the sole use of financial products supplied directly by Ealing Trading Company (Finance) Ltd.

Conditions for Processing

We will ensure any use of personal data is justified for processing and this will be specifically documented. All staff that are responsible for processing personal data will be aware of the conditions for processing.

The conditions for processing will be available to data subjects in the form of a privacy notice.

For processing to be lawful under the GDPR, the company will need to identify a lawful basis before it can process personal data. These are often referred to as the “conditions for processing”.

  • Who has access to your information?
  • Data is only retained and used by staff of Ealing Trading Company (Finance) Ltd
  • If the Data sold or provided to third parties?
  • Data is not sold or provided to third parties by Ealing Trading Company (Finance) Ltd (Except statutory CRA and regulatory obligations)
  • We will not share your information with third parties for any purpose?
  • Data is not shared with any third parties by Ealing Trading Company (Finance) Ltd

(Except statutory CRA and regulatory obligations)

Your choices

You have a choice about whether or not you wish to receive information from us.

We will only accept that consent has been given by a clear affirmative act such as by a written statement, including by electronic means. Agents obtain this written consent on the initial home visit when conducting a loan application. This may also include ticking a box when visiting our website, which clearly indicates in this context your preferences for the proposed processing of your personal data for marketing purposes.

We will not contact you for marketing purposes by post, email, phone or text message unless you have given your prior consent. You can change your marketing preferences at any time by contacting us by email: Contact@ealingtrading.co.uk by writing to South Suite, 2nd Floor, Hille House, 132 St Albans Road, Watford, Hertfordshire, WD24 4AE, Alternatively, you can telephone Freephone 0800 804 8690.

How you can access and update your information

The accuracy of your information is important to us. It is important that the information we hold about you is correct and up to date. If you change email address, or any of the other information we hold is inaccurate or out of date, please us via email at: Contact@ealingtrading.co.uk or by writing to South Suite, 2nd Floor, Hille House, 132 St Albans Road, Watford, Hertfordshire, WD24 4AE, Alternatively, you can telephone Freephone 0800 804 8690.

Subject Access Request

You have the right to ask for a copy of the information that Ealing Trading Company (Finance) Ltd  hold about you free of charge. However, we are entitled to charge a ‘reasonable fee’ if a request is manifestly unfounded or excessive, particularly if it is repetitive. Any fee will be based on the administrative cost of providing the information. Information requested will be provided without delay and at the latest within one month of receipt. Ealing Trading Company (Finance) Ltd is required to verify the identity of the person making the request, using “reasonable means”.

Data Portability

Article 20 of GDPR allows for Data Subjects to receive their personal data, which they have provided to a Data Controller, in a structured, commonly used and machine-readable format, and to transmit it to another Data Controller. The aim of this right is to support user choice, user control and consumer empowerment. The right to data portability allows our consumers to obtain and reuse their personal data for their own purposes across different services. It allows you to move copy or transfer personal data easily from one IT environment to another in a safe and secure way, without hindrance to usability.

When does the right to data portability apply?

The right to data portability only applies:

  • To personal data you have provided to an Ealing Trading Company (Finance) Ltd;
  • Where the processing is based on your consent or for the performance of a contract; and
  • When processing is carried out by automated means.

How will we comply?

We will provide the personal data in a structured, commonly used and machine-readable form if available. Machine readable means that the information is structured so that software can extract specific elements of the data from our IT systems. This enables other organisations to use the data. The information will be provided free of charge.

How long do we have to comply?

We will respond without undue delay, and within one month. This can be extended by two months where the request is complex or we receive a number of requests. We will inform you within one month of the receipt of your request and explain why the extension is necessary.

Where we are not taking action in response to a request, we will explain, informing you of their right to complain to the supervisory authority and to a judicial remedy without undue delay and at the latest within one month. Note that the right to data portability does not override your right of access to all information we hold about you which includes paper files and automated data. For the Subject Access data procedure, refer to the “Access your data” Section above.

You can request a Subject Request by either contacting us via email to Contact@ealingtrading.co.uk by writing to South Suite, 2nd Floor, Hille House, 132 St Albans Road, Watford, Hertfordshire, WD24 4AE.

Security precautions in place to protect the loss, misuse or alteration of your information

When you give us personal information, we take steps to ensure that it’s treated securely. When we receive data electronically for use it is authenticated with an SSL certificate that sits on our server. Non-sensitive details (your email address etc.) are transmitted normally over the Internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk.

Profiling

We may analyse your personal information to create a profile of your preferences so that we can contact you with information relevant to you.

Use of ‘cookies’

Like many other websites, the company website uses cookies. ‘Cookies’ are small pieces of information sent by an organisation to your computer and stored on your hard drive to allow that website to recognise you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual. For example, we use cookies to store your preferences, and to record session information, such as length of visit. This helps us to improve our website and deliver a better more personalised service. For further information about cookies visit www.aboutcookies.org.

Links to other websites

Our website may contain links to other websites run by other organisations such as trade organisations. This privacy policy applies only to our website‚ so we encourage you to read the privacy statements on the other websites you visit. We cannot be responsible for the privacy policies and practices of other sites even if you access those using links from our website.

In addition, if you linked to our website from a third-party site, we cannot be responsible for the privacy policies and practices of the owners and operators of that third-party site and recommend that you check the policy of that third-party site.

Review of this Policy

We keep this Policy under regular review. This Policy was last updated in March 2018.