0115 942 3772

Privacy Policy

We respect your trust in us to use, store and share your information. In this notice, we explain how we collect personal information about you, how we use it and how you can interact with us about it.

We try to keep this notice as simple as possible but if you are unfamiliar with our terms, or want more detail on any of the information here, please contact us at reception@first-enterprise.co.uk or write to us at 6 Sherwood Rise, Nottingham, England, NG7 6JF

1. Who we are

In this notice, ‘we’, ‘us’ and ‘our’ refers to Enterprise Loans East Midlands, company number 06705550 and First Enterprise Business Agency, company number 02817451.  Our registered office is at 6 Sherwood Rise, Nottingham, England, NG7 6JF

We share your information between the companies to help us provide our services, comply with regulatory and legal requirements, and improve our products.

2. How we collect information about you

We collect personal information from you, for example when you apply for products and services or look for advice. We also collect information through our website, apps, social media, discussion forums, market research and CCTV footage.

Our websites use ‘cookie’ technology. A cookie is a little piece of text that our server places on your device when you visit any of our websites or apps. They help us make the sites work better for you.

When you apply to us for products and services, and during the time you use these, we carry out information searches and verify your identity. We do this by sending and receiving information about you to and from third parties including credit reference agencies and fraud prevention agencies. We and these agencies may keep records of our searches whether or not the product or service goes ahead.

3. How we keep your information safe

We protect your information with security measures under the laws that apply. We keep our computers, files and buildings secure.

When you contact us to ask about your information, we may ask you to identify yourself. This is to help protect your information.

4. How long we keep your information

To meet our legal and regulatory obligations, we hold your information while you are a customer and for a period of time after that. We do not hold it for longer than necessary.

5. Meeting our legal and regulatory obligations

To use your information lawfully, we rely on one or more of the following legal bases:

·         performance of a contract;

·         legal obligation;

·         protecting the vital interests of you or others;

·         public interest;

·         our legitimate interests; and

·         your consent.

 To meet our regulatory and legal obligations, we collect some of your personal information, verify it, keep it up to date through regular checks, and delete it once we no longer have to keep it. We may also gather information about you from third parties to help us meet our obligations. If you do not provide the information we need, or help us keep it up to date, we may not be able to provide you with our products and services.

 To meet our regulatory and legal obligations, we collect some of your personal information, verify it, keep it up to date through regular checks, and delete it once we no longer have to keep it. We may also gather information about you from third parties to help us meet our obligations. If you do not provide the information we need, or help us keep it up to date, we may not be able to provide you with our products and services.

6. Consent

Sometimes we need your consent to use your personal information. With direct marketing for example, we need your consent to make you aware of products and services which may be of interest to you. We may do this by phone, post, email, text or through other digital media.

You can decide how much direct marketing you want to accept when you apply for new products and services. If we ever contact you to get your feedback on ways to improve our products and services, you have the choice to opt out.

When we use sensitive personal information about you, such as medical or biometric data, we ask for your consent. Before you give your consent, we tell you what information we collect and what we use it for. You can remove your consent at any time by contacting us at reception@first-enterprise.co.uk or writing to us at 6 Sherwood Rise, Nottingham, England NG7 6JF.

7. How we use your information

We use information about you to:

·         provide relevant products and services;

·         identify ways we can improve our products and services;

·         maintain and monitor your products and services;

·         protect both our interests;

·         meet our legal and regulatory obligations; and

·         decide and recommend how our products and services might be suitable for you.

To provide our products and services under the terms and conditions we agree between us, we need to collect and use personal information about you. If you do not provide this personal information, we may not be able to provide you with our products and services.

We analyse the information that we collect on you through your use of our products and services and on our social media, apps and websites. This helps us understand your financial behaviour, how we interact with you and our position in a market place. Examples of how we use this information includes helping protect you and others from financial crime, offering you products and services and personalising your experience.

 

 

8. Your information and third parties

Sometimes we share your information with third parties.

For example to:

·         provide products, services and information;

·         analyse information;

·         research your experiences dealing with us;

·         collect debts;

·         prevent financial crime;

·         trace information; and

·         protect both our interests.

In order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money- laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

Further details of the CRA’s and fraud prevention agencies, and how they process your information can be found at our websites.

We expect these third parties to have the same levels of information protection that we have.

We also have to share information with third parties to meet any applicable law, regulation or lawful request. When we believe we have been given false or misleading information, or we suspect criminal activity we must record this and tell law enforcement agencies, which may be either in or outside the UK.

  • 9. International transfers of data

    We may transfer your personal information outside of the European Economic Area (EEA) to help us provide your products and services. We expect the same standard of data protection is applied outside of the EEA to these transfers and the use of the information, to ensure your rights are protected.

    10. Your personal information rights

    You will find information about your rights, when they apply and our responsibility to you at www.knowyourprivacyrights.org

    You can exercise your rights by emailing us at reception@first-enterprise.co.uk or writing to us at 6 sherwood Rose, Nottingham, England, NG7 6JF.

    We can help you with:

    Accessing your personal information: You can ask us for a copy of the personal information we hold. You can ask us about how we collect, share and use your personal information.

    Updating and correcting your personal details.

    Removing consent: You can change your mind wherever you give us your consent, such as for direct marketing.

    Restricting and objecting: You may have the right to restrict or object to us using your personal information.

    Deleting your information (your right to be forgotten). You may ask us to delete your personal information.

    When you contact us to ask about your information, we may ask you to identify yourself. This is to help protect your information.

    We generally do not charge you when you contact us to ask about your information.

    11. Making a complaint

    If you have a complaint about the use of your personal information, please let a member of staff know, giving them the opportunity to put things right as quickly as possible. If you wish to make a complaint you may do so in person, by telephone, in writing and by email. Please be assured that all complaints received will be fully investigated.  We ask that you supply as much information as possible to help our staff resolve your complaint quickly.

    You can also contact the Information Commissioner’s Office at www.ico.org.uk

    12. Updates to this notice

    We will make changes to this notice from time to time, particularly when we change how we use your information, and change our technology and products.

    You can always find an up-to-date version of this notice on our website at http://www.first-enterprise.co.uk/privacy-policy/

Cookies

What is a Cookie?

Cookies are text files containing small amounts of information which are downloaded to your personal computer, mobile or other device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.

Persistent cookies – these cookies remain on a user’s device for the period of time specified in the cookie. They are activated each time that the user visits the website that created that particular cookie.

Session cookies – these cookies allow website operators to link the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close the browser window. Session cookies are created temporarily. Once you close the browser, all session cookies are deleted.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

You can find more information about cookies at www.allaboutcookies.org and http://www.youronlinechoices.eu.

Cookies used on the Website

A list of all the cookies used on the Website by category is set out below.

Strictly necessary cookies

These cookies enable services you have specifically asked for. For those types of cookies that are strictly necessary, no consent is required.

These cookies are essential in order to enable you to move around the Website and use its features, such as accessing secure areas of the Website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.

Performance cookies

These cookies collect anonymous information on the pages visited. By using the Website, you agree that we can place these types of cookies on your device.

These cookies collect information about how visitors use the Website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how the Website works.

Functionality cookies

These cookies remember choices you make to improve your experience. By using the Website, you agree that we can place these types of cookies on your device.

These cookies allow the Website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

Using browser settings to manage cookies

The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. You can also disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on’s settings or visiting the website of its manufacturer.

However, because cookies allow you to take advantage of some of the Website’s essential features, we recommend you leave them turned on. For example, if you block or otherwise reject cookies you will not be able to add items to your Shopping Basket, proceed to Checkout, or use any of our products and services that require you to Sign in. If you leave cookies turned on, remember to sign off when you finish using a shared computer.

List of the different types of cookies used by first-enterprise.co.uk

Cookie Name

Cookie Category

Description

Duration

__utma

2

This cookie keeps track of the number of times a visitor has been to the site pertaining to the cookie, when their first visit was, and when their last visit occurred. Google Analytics uses the information from this cookie to calculate things like Days and Visits to purchase.

permanent

__utmz

2

Keeps track of where the visitor came from, what search engine you used, what link you clicked on, what keyword you used, and where they were in the world when you accessed a website. This cookie is how Google Analytics knows to whom and to what source / medium / keyword to assign the credit for a Goal Conversion or an Ecommerce Transaction.

6 months

__utmb

2

__utmb is a Google Analytics cookie. It takes a timestamp of the exact moment in time when a visitor enters a site.

 

__utmc

2

__utmc takes a timestamp of the exact moment in time when a visitor leaves a site.

30 mins

Cookie Categories 

  1. Strictly necessary cookies – these cookies enable services you have specifically asked for
  2. Performance cookies – these cookies collect anonymous information on the pages visited
  3. Functionality cookies – these cookies remember choices you make to remember your experience

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:
• whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
• if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at info@first-enterprise.co.uk

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to First Enterprise Business Agency, 90 Radford Road, Hyson Green, Nottingham. NG7 5FU.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.

Contact Us

0115 942 3772

First Enterprise Business Agency
6 Sherwood Rise
Nottingham
NG7 6JF

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