Privacy Policy
Whilst working with us, we will ask you to provide us with personal information relating to your circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data).
For more information, please do not hesitate to get in touch.
Our Commitment to Data Protection and Privacy
978 Finance Ltd. is committed to the privacy of all its clients. In particular, we want to assure you that 978 Finance is not in the business of selling, renting or trading personal data with other companies and businesses for marketing purposes.
In this Privacy Policy, we’ve provided details on when and why we collect your personal information, how we use it, the limited conditions under which we disclose it to others and how we keep it secure.
Who we are
This privacy policy [the “Privacy Policy”] applies to all personal information processing activities carried out by 978 Finance Ltd [978 Finance].
978 Finance is a data controller in respect of personal information that we process in connection with our business. In this policy, references to “we”, “us” or “our” are references to 978 Finance.
978 Finance Ltd. is a registered company in England & Wales, our registration number is 11378484.
Our registered office is 978 Finance, 5-2-2 The Gatehouse, White Cross Business Park, Lancaster LA1 4XQ
We are registered with the Information Commissioner’s Office and our registration number is ZA436213.
We are a member of FIBA (Financial Intermediary & Broker Association), Member Number: FIB39495.
We are Directly Authorised by the FCA (Financial Conduct Authority), Firm Reference Number: 941016.
Our website address is: 978finance.com
We respect individuals’ rights to privacy and to the protection of personal information. The purpose of this Privacy Policy is to explain how we collect and use personal information in connection with our business. “Personal information” means information about a living individual who can be identified from that information (either by itself or when combined with other information). We may update our Privacy Policy from time to time. When we do, we will communicate any changes to you, if appropriate.
What do we mean by “Your Personal Data”?
Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date or birth or National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.
What personal data we collect and why we collect it
Your Personal Data may include
Title, names, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity. Employment and remuneration information including salary, bonus schemes, overtime, sick pay and other benefits as well as your employment history. Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents.
The basis upon which our Company will manage Your Personal Data
When we speak with you about your requirements we do so on the basis that both parties are entering a contract for the supply of services. In the course of initial discussions with you or when the contract between us has come to an end, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from lenders and our Compliance Service Provider relating to the discussions we have with you, or to contact you to seek feedback on the service you received. We will use Your Personal data for contractual responsibilities and for wider compliance with any legal or regulatory obligation to which we might be subject.
How do we collect Your Personal Data?
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will provide information during our initial meetings or conversations with you to establish your circumstances and needs. You will provide information to us verbally and in writing, including email and perhaps text messaging through various apps. We may obtain some information from third parties such as credit checks, information from your employer, and searches of information in the public domain for example the electoral roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status, we will only do so if we have your consent. With regards to electronic ID checks we would not require your consent but will inform of its use.
Contact forms
Our Contact form collects your name, email address, phone number, and any other information you include in your message. Usage of the contact form is considered consent for us to use the information provided to respond to you regarding your communication. We do not share this data with third parties. If your communication with us does not result in a contract with us, then we retain the information you send to contact you about future offers and promotions, until you opt out of marketing. If your communication with us does result in a contract with us, then we retain the information you send for the duration of the contract and the remainder of your relationship with us as a client as part of our contractual obligations. Some of your details such as email address and IP address may also be shared with third party anti-spam filters.
Cookies
If you:
- Visit our Website: a cookie may be generated for analytics purposes, see below.
- Send a message via our Contact form: a cookie will be generated by Google.com’s reCAPTCHA service for the purpose of anti-spam checking.
- Visit our Website: a cookie may be generated for maintaining your session.
- Opt out of some of the above cookies via our Cookie Advisory Notice: a cookie may be generated to store your preferences.
Cookies we use
| Cookie | Source | Level | Description |
| cookie_notice_accepted | Local | Functional | Stores a user’s cookie consent preferences. |
| 1P_JAR | google.com | Required | Stores an anonymous ID used for spam filtering. |
| AEC | google.com | Security | Security cookie used for spam filtering. |
| APISID | google.com | Required | Used for spam filtering. |
| CONSENT | google.com | Functional | Store users consent, used for spam filtering. |
| HSID | google.com | Security | Security cookie used for spam filtering. |
| NID | google.com | Functional | Stores user preferences, used for spam filtering. |
| SAPISID | google.com | Required | Used for spam filtering. |
| SEARCH_SAMESITE | google.com | Required | Used for spam filtering. |
| SID | google.com | Security | Security cookie used for spam filtering. |
| SIDCC | google.com | Functional | Used for spam filtering. |
| SSID | google.com | Required | Used for spam filtering. |
| __Secure-1PAPISID | google.com | Required | Used for spam filtering. |
| __Secure-1PSID | google.com | Required | Used for spam filtering. |
| __Secure-1PSIDCC | google.com | Required | Used for spam filtering. |
| __Secure-1PSIDTS | google.com | Required | Used for spam filtering. |
| __Secure-3PAPISID | google.com | Required | Used for spam filtering. |
| __Secure-3PSID | google.com | Required | Used for spam filtering. |
| __Secure-3PSIDCC | google.com | Required | Used for spam filtering. |
| __Secure-3PSIDTS | google.com | Required | Used for spam filtering. |
| __Secure-ENID | google.com | Required | Used for spam filtering. |
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Analytics
Your anonymised information may be shared with third-party analytics tools, such as Google Analytics and Facebook.
Who we share your data with
We only share data with third parties for:
- The general running of this site,
- Anti-spam filters when using our contact form,
- Anonymised information with analytics tools, such as Google Analytics for monitoring site health and activity.
- Your Personal Data will be shared with third parties who we believe will be able to assist us with your enquiry or support your needs. These third parties will include our Compliance Advisers, Product specialists, agents, providers of legal services such as estate planners, conveyancers, surveyors and valuers, in each case where we believe this to be required due to your circumstances.
Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice. We do not share any information for marketing purposes, or in the pursuit of profitable gain.
How long we retain your data
In the course of handling Your Personal Data, we will: Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our Firm and only when it is necessary to provide a service to you and to perform any administration tasks associated with that service. Submit Your Personal Data to Product Providers both in paper form and on-line. This is essential in allowing us to progress any enquiry or application and to deal with any additional questions or administrative issues that may arise. Use Your Personal Data for the purposes of responding to any queries you may have, or to inform you of any developments of which we become aware.
Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party. We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us. Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.
What rights you have over your data
You are entitled to view, or amend the personal information that we hold (a Data Subject Access Request). You have the following rights over the data we hold about you:
- You can request to receive an exported file of the personal data we hold about you, including any data you have provided to us.
- You can request that we correct any incorrect information that we hold about you.
- You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative purposes (legitimate interests), contractual obligations, or legal obligations.
Either email your request to us at info@978finance.com or post it to 978 Finance, 5-2-2 The Gatehouse, White Cross Business Park, Lancaster LA1 4XQ.
Data Subject Access Requests are free to make, however, we are entitled to charge a reasonable fee, taking into account the administrative costs of providing the information where a request is manifestly unfounded or excessive. We will advise you if we believe that such a fee is required. If a requested fee is not paid, we are not required to supply the requested information.
All requests must be accompanied with two types of proof of identity: one type of proof must be a proof of address, such as a utility bill, council tax bill, or bank statement from the last 12 months; the other type of proof must be a form of photo ID, such as a passport, or driving licence.
If you wish to make a Data Subject Access Request, please remember that:
- Your Request cannot be processed unless we have received proof of your identity.
- You should describe the information you need as clearly as possible – if your request is too broad or unclear, we may need to ask you to be more specific.
- You should include your name and an address for a response.
- The Data Protection Act does not give a right of access to information that is not personal to yourself – that is covered under Freedom of Information and could be subject to exemption from disclosure.
- We will aim to respond to your request within one calendar month.
Where we send your data
Visitor communications with us via our Contact Form may be checked through an automated spam detection service before being directly transmitted to us via email.
Client data is stored in a managed data centre, with access restricted to our staff and technical support members working on our behalf under the terms of our Privacy Policy.
Any data that we collect from you may be stored at, and transferred to, a destination outside the European Economic Area (EEA). This data may also be processed by staff that operate outside the EEA working for us or one of our suppliers. In submitting your personal data, you agree to such a transfer and the storing and processing of this data. To ensure that your data is treated securely and in accordance with this privacy policy we will endeavour to take all reasonable necessary steps in protecting your privacy. We will do our best to protect your personal data, unfortunately, the transmission of information over the internet is not entirely secure and we cannot guarantee the security of data transmitted to our site. Any transmission of data is at your own risk.
Additional information
How we protect your data
Email correspondence and contact details are stored on digitally locked devices.
Client data is stored in a managed data centre with user credential and password protected access. All data is transmitted over secure protocols.
What data breach procedures we have in place
In the event of us identifying a breach, we will immediately inform all affected clients.
Changes to our Privacy Policy
We will, where appropriate, notify you by email of any changes made to our privacy policy and these changes will also be posted on this page.
How to contact our Firm in relation to the use of Your Personal Data
If you have any questions or comments about this document, or wish to make contact to exercise any of your rights set out within it please contact: Simon Das Director of 978 Finance. If we feel we have a legal right not to deal with your request, or to action it in different way to how you have requested, we will inform you of this at the time. You should also contact us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we can investigate and fulfil our own regulatory obligations. If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
