This section of our website contains Data Protection, Legal and Privacy Policy information to help you understand how Optimise Finance ensures your privacy and confidentiality are respected and how we process your enquiry.
Optimise Finance, 6 Bailey Court, Green Street, Macclesfield, SK10 1JQ.
T: 0800 0159 295
F: 01625 569 375
E: office@optimisefinance.co.uk
Optimise Finance
Company Registration Number 05227617.
Optimise Finance is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 724841. Licenced by the Information Commissioners Office, registration number Z1952834
Our Data Protection Officer is Mr Steve Sumner, steve.sumner@optimisefinance.co.uk
As with any Finance Broker following good practice, any loans are subject to status and the ability to repay it. Written quotations are available on request and all quotations are provided for free.
Optimise Finance strongly recommends you seek independent advice prior to entering into any financial agreement.
General Data Protection Regulation (GDPR) requires that companies such as Optimise Finance who process and retain information about their customers inform them as to how their information will be used and for what purpose. At Optimise Finance, we will only collect the data we need to assess if we can assist you obtaining finance and take all reasonable steps to maintain the security of your data. However, it is important to point out if you do not provide the information we request, we will be unable to assist you in obtaining finance. Optimise Finance is regulated by the Financial Conduct Authority (FCA www.fca.org.uk),which means we are accountable for the products and services we provide, therefore required to keep records of transactions with customers for a minimum of 6yrs .We process your data on the basis of ``processing is necessary for compliance with a legal obligation`` as set out by the Information Commissioner`s Office (ICO www.ico.org.uk).
Optimise Finance makes a pledge to all our customers to uphold the strictest levels of privacy. We will collect personal and financial information from you in order to locate the best lender for your unique personal situation. With your permission we also access data held at Credit Reference Agencies the main credit agencies are:
Equifax Limited Customer Support centre PO Box8000 Nottingham NG80 7WF
Callcredit Plc Customer Service Centre Po Box 491 Leeds LS1 5XX
Experian Limited Customer Support Centre PO Box 10036 Leicester LE3 4FS
All lending companies use one or more of these agencies. Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.
General Data Protection Regulation (GDPR) also gives customers significant rights as to how their data is used in summary:
The right to be informed about what data we have collected
The right to access data we hold
The right to erasure, this means to have data that we have collected deleted (we have a legal requirement to keep records)
The right to restrict processing personal data, if you exercise this right we will be unable to complete your application
The right to data portability (to be able to move data)
The right to object to their data being collected or used
Rights in relation to automated decision making and profiling you have the right to be informed if used
The right to remedy, if you think the data held about you is incorrect you can ask us to correct it
The right to make a complaint regarding how your data has been used
Optimise Finance with your permission may pass your data to other organisations, please be aware that we are not responsible for the privacy policies of other company`s or their websites. We advise that before entering into any agreement with these companies you should read their privacy statements or fair processing notice. Our privacy statement applies solely to information collected by this website.
You will not have a credit search carried out by enquiring to us until you have spoken to us and have given your consent to do so. At that point only Optimise Finance and or their selected lenders may make searches about you at recognised credit reference agencies who supply credit account information; we may also obtain information from the Electoral Register and Land Registry. The credit agencies will record details of the search whether or not your application proceeds. Lenders may use credit scoring to assess your application and confirm your identity. The information provided to us by credit reference agencies about you and those with whom you are linked financially, may be used by us and other companies to assess your application. To prevent or detect fraud, and to assist in proving your identity, our lenders may make searches at fraud prevention agencies who will supply them with information. They may pass this information to other organisations involved in fraud prevention to protect them, ourselves and our customers from theft and fraud. If you give us misleading or inaccurate information and we suspect fraud, we will record this. By stating a financial association with another party, you are also declaring that you are entitled to disclose information about your joint applicant and anyone else referred to by you and therefore authorise us to search, and record information at credit reference agencies about you and anyone else referred to by you.
When you apply for a loan with Optimise Finance, we need to obtain information relating to your name, address, telephone, employment and mortgage details. Where the application is a joint one we require the same information for this person. This information allows us to establish the best type of loan for your circumstances from our panel of lenders. Certain approved suppliers who support our business may see your data in the course of carrying out their duties to us. They will only use this for basic analytical or technical testing purposes. We never disclose information about a customer to any other person or organisation without your consent unless we are legally required to do so. Optimise Finance may provide aggregate statistics about our customers, applications, traffic patterns and related site information to reputable third-party vendors, but these statistics will contain no personally identifying information.
In using this website, you consent to the collection and use of this information by Optimise Finance in the ways described above. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it and in what circumstances we disclose it.
At Optimise Finance we are committed to providing you with prompt, efficient and friendly service. We aim to provide you with a service that is second to none. However, we are aware that from time to time you may want complain about the service you have received, as a result our staff will be happy to help resolve your concerns. We have formal complaints procedures in place that will make sure your complaint is handled quickly, fairly and efficiently. We would ask you to contact us on 01625 569625, email us office@optimisefinance.co.uk or write to us at:
Optimise Finance
6 Bailey Court
Green Street
Macclesfield
Cheshire
SK10 1JQ
Secured loans are secured on property. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Optimise Finance may receive a commission from the lenders your business is placed with. A fee of up to 12.5% may be charged for sourcing, processing, arranging and advising on secured loans.
General
This web site is owned by Optimise Finance and any access to this Site is governed by these terms and conditions. If these terms and conditions are not accepted in full, you do not have permission to access this Site and therefore should stop using the Site immediately. Intellectual Property
All copyright, database rights and other intellectual property rights in the material on this Site (the Content) belong to Optimise Finance or its licensors. Individuals who access and/or use this Site will not obtain intellectual or other proprietary rights in the Content. You may print or download to a local hard disk Content from this Site for your personal use only. You may not otherwise copy, distribute, sell or publish any of the Content of the Site without prior written permission.
Liability
Optimise Finance uses reasonable endeavours to ensure the accuracy and completeness of all the information on the Site. However, you should always check any information on the Site before making any decisions based on that information. Except in the event of death or personal injury caused by our negligent acts or omissions, we shall not be liable in any way for any damages arising in contract, tort (including negligence) or otherwise in respect of loss or damage arising out of or in connection with your use of the Site. In no event will Optimise Finance be liable for any direct, indirect or consequential damages in contract or tort (including negligence),including loss of profit, loss or damage to property or relating to claims made by third parties. This Site may contain links to third party web sites which are not under the control of Optimise Finance. Optimise Finance is not responsible for the material on such third party sites, links to which are provided solely as a convenience to you.
Jurisdiction
These terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising here from shall be exclusively subject to the jurisdiction of the courts of England and Wales.
How to give feedback or make a complaint
Your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do! Please e-mail us any feedback you may have to office@optimisefinance.co.uk
We all make mistakes and if we do get something wrong we want to know about it so we can put it right. We treat all complaints very seriously and promise to deal with them fairly and promptly, and in many cases we will resolve them straight away. If you have a complaint please contact us by writing to the Compliance Dept. at the above address, via e-mail or telephone us on 01625 569625.
Optimise Finance will try to resolve any complaint with you. However if you are unhappy with our final response or we are unable to issue our final response within 8 weeks of receiving your complaint you can refer your complaint to the Financial Ombudsman Service. You can get more information about them at the following link; https://financial-ombudsman.org.uk/consumer/complaints.htm Address details: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
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