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 was established in 2009. Our company details are as follows:
Optimise Finance, 9 King Edward Street, Macclesfield, SK10 1AQ.
T: 0800 0159 295
F: 01625 569 375
E: office@optimisefinance.co.uk
Company Registration Number 0522761
Protecting your privacy and data security is very important to us. This notice explains how we collect, store and use the information you have kindly provided in line with the obligations of the General Data Protection Regulations (2018) & the Data Protection Act (2018)
We place paramount importance on customer service and always endeavour to meet your expectations. For clarity 'personal information' is that which can be used to identify you.
Our Data Protection Officer is Mr Steve Sumner, steve.sumner@optimisefinance.co.uk
Basis For Processing Your Data:
As a firm regulated by the Financial Conduct Authority (FCA),we are accountable for the products and services we provide through rules which are derived from law. Therefore we process data on the basis that 'processing is necessary for compliance with a legal obligation'. In summary to meet our regulatory obligations we are expected to maintain records of services and transactions with our customers.
Storing of Your Data:
Digital client data is stored on a secure server and access to our bespoke client data loan operating system is by way of a user ID and password. There is then a further level of security password needed to access the application so client data can be viewed and processed.
Client data is backed up securely on a regular basis via a secured cloud data storage facility. We also have the ability to back up to secured external hard disks.
For What Purpose Do We Need To Process Data:
Our business is dedicated to arrange for you (or assist you) in obtaining a loan or mortgage product from our lender panel. Processing the data provided by you is necessary to establish the most suitable product for you from our financial product providers and intermediaries.
We may contact you by telephone, text, email, post or fax to progress your enquiry. Please note that telephone calls may be recorded for training, security, regulatory and internal statistical purposes.
We will need to share your information with our lenders and/ or certain other intermediaries to facilitate our service to you.
From time to time we may employ agents or sub-contractors to process your information on our behalf. The compliance with the GDPR will also apply to our lenders, agents and sub-contractors.
When considering an application for a loan or mortgage our lenders or we may ask your permission to search your credit history (searches) at established credit reference agencies (such as Experian and Equifax). Searches will not be carried out without your permission. If you agree to any searches the agencies add to your credit file details of them and this can be seen by other organisations that make credit searches. Some of our lenders may use credit scoring - we do not use credit scoring.
Please ensure that you give us accurate information. To protect you from fraud our lenders or we may need to check your details with fraud prevention agencies. If you give false or inaccurate information and fraud is suspected this will be recorded.
Consumer rights have been extended under GDPR. If you wish to discuss any of the rights from the list below or wish to make a complaint please contact our Data Protection Officer (D.P.O.) by email on steve.sumner@optimisefinance.co.uk, by telephone on 0800 0159 295 or by writing to D.P.O., Optimise Finance, 9 King Edward Street, Macclesfield, Cheshire, SK10 1AQ.
The Right To Be Informed - We inform you of your rights through accessing our privacy notice via: our website and/ or a posted document and/ or an email and/ or a text link.
The Right Of Access - You can ask to see the data we hold on you. We will check your identity using reasonable means and then provide the information within one month, in a commonly used format. We will not normally charge a fee for this service. We may charge a 'reasonable fee' when a request is manifestly unfounded or excessive.
The Right To Rectification - If you believe or become aware that relevant data we hold is inaccurate you can ask us to correct it. We will do this for you within one month if deemed necessary. We will not normally charge a fee for this service. We may charge a 'reasonable fee' when a request is manifestly unfounded or excessive.
The Right To Erasure -This does not usually apply in our services. We have a regulatory requirement to retain customer data records. Please see 'How Long Will You Keep My Data' below.
The Right To Restrict Processing -You can ask us to stop processing your enquiry. We will stop processing without undue delay and within 1 month.
The Right To Data Portability - This does not usually apply in our services. However where the request is reasonable we will aim to provide you with a copy of the relevant data we hold in a common format within one month of you requesting it.
The Right To Object - You can object to our processing your data for marketing and potentially other purposes at any time.
Rights In Relation To Automated Decision Making And Profiling - Some of our lenders may use these to enable them to make a lending decision. They are required by some of the lenders to be able to take out a loan, mortgage or insurance contract with you. We will not provide your data to a lender or insurer to make such a decision without your permission.
You also have the right to make a complaint to the Information Commissioners Office (ICO) (which is a supervisory body),about how your data has been processed. Our ICO Number is Z1952834. In the first instance please contact us directly on 0800 0159 259 You may also contact the ICO directly, for their up to date contact details visit www.ico.org.uk.
This data relates to sensitive areas such as: racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, biometric data, genetics and sexual life and will only be processed where it is needed to provide a service you have requested. You have the right to withdraw your consent at any time with regard to processing your special category data.
In the majority of cases we will not disclose special category data. If we are required to disclose or process such data this will only be with your explicit consent.
For example if you take out a new mortgage you may wish to consider life cover to settle your mortgage in the event of your death. This may involve sharing information about your health which our insurers may need to offer you the correct policy.
If you make a claim, any information you provide to the insurers may be put onto a register of claims through which many insurers share such information to prevent fraudulent claims and crime. A list of the participants and the address of the operators is available from the insurers.
The rules and regulations that our business operate under dictate that we should keep data for a minimum period of 6 years. In addition to that we are aware that at any point in the future we may need this data to action enquiries by our customers, regulators, other legal bodies or for internal audits. We therefore have decided to retain such information for an indefinite period.
You have the right to object to receiving marketing material at any time. In the first instance please contact us and we will deal with your objection without undue delay.
There may be times when we feel that a service or product offered by us or a selected third party may benefit you. Only where we have your permission to make you aware of the service or product we may contact you by post, telephone, email or other reasonable method to give you further details so that you can make an informed choice.
Where your enquiry/ data has been introduced to us from a third party, we will pass back information about you and your agreement that may be necessary for the purpose of administration, payment or settlement. The person who introduces you to us is responsible for adhering to the GDPR and must get permission where required from you to share your data with us and process your data according to the privacy policy.
In this scenario we would only expect to receive basic information to include: Your Contact Details, Name, Date Of Birth & Product Required.
As part of our service we may need to pass your data on to another organisation in order to assist you with the right product. Any data we pass to them plus any data requested or gathered by that business will be held by that business for the purposes they have set out in their own privacy notice. Please ensure you are happy with their use of your data before accepting any agreement or service.
The GDPR may not apply to companies in themselves but it can extend to named employees, sole traders and partnerships. When an application is received from a business, information may be sought from credit reference agencies on the company and/or partners and/or directors as individuals with their permission.
We may occasionally use your details to assist us in understanding individual client needs and business trends in order to improve the products and services we offer.
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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