About this policy
This policy provides an overview of how the BizBritain will process any personal information we collect about you and how we will comply with data protection legislation and protect the rights of the individuals we deal with.
It sets out below:
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website etc at www.bizbritain.com/terms
Who we are and who is responsible for your personal data
BizBritain (“the company”) has expanded into a group of companies, including BizBritain Finance; an FCA authorised financial brokerage and national delivery partner for the Government’s Start Up Loans Scheme. The Company is registered in England with company number 08354773, whose registered office is:
96 High Street
The Company is responsible for your personal data and will ensure that it is handled in accordance with the Data Protection Act 1998 (“DPA”). If you have any questions or comments regarding how we handle your personal information, please contact us at:
Email Address: firstname.lastname@example.org
Postal Address: BizBritain, 96 High Street, Marlow, Buckinghamshire SL7 1AQ
What information do we collect about you
We may collect and process the following data about you (“your information”):
We may also collect your information from third parties, including the Start Up Loan’s Company, the Company’s Finance Partners, Other Finance Partners, and Credit Reference Agencies to make decisions about your applications or about products and services we can offer through/with our partners. Any credit reference check carried out will leave a footprint on your file which may be seen by other lenders. Your consent will be obtained before conducting a credit reference check.
When you submit an application for a loan through the Start Up Loans scheme, we will check our own records for information on;
a) any existing Start Up Loan that you may have, the status of that loan and the information you provided at the time of that application; and<
b) if you have one, your financial associates’ Start Up Loan, its status, and the information provided by them at the time of that application.
Search at credit reference agencies for information on:
a) your personal accounts;
b) if you are making a joint application now or have ever done, we will check:
c) if you are a director or partner in a small business, we may also check on your business accounts.
These searches may reveal the following relationships:
However, we do not search individuals who are not party to the application.
We will also search at fraud prevention agencies for information held about you, any addresses at which you have lived and any information about your business (if you have one).
IF AND TO THE EXTENT THAT YOU PROVIDE INFORMATION ABOUT YOUR SPOUSE OR FINANCIAL ASSOCIATE AND/OR WE OBTAIN THEIR INFORMATION AS PART OF THIS PROCESS, YOU CONFIRM THAT YOU HAVE OBTAINED THEIR CONSENT TO PASS THEIR INFORMATION TO US AND FOR US TO PROCESS IT AS DESCRIBED IN THIS POLICY. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.
How we use your information
We use the information we receive in the following ways:
We may use your information in case studies that we produce which will then be used for advertising and marketing purposes. We will obtain your consent to do this.
We will use the information we receive from credit reference agencies to:
We may use scoring methods to assess your application and to verify your identity.
Where you borrow or may borrow from us through one of our Finance Partners, we will give details of your personal and/or business account (if you have one), including names and parties to the account and how you manage it/them to credit reference agencies.
We may make periodic searches of our own group records and at Credit Reference Agencies to manage your account, including whether to make credit available or to continue or extend existing credit. We may also check at fraud prevention agencies to prevent crime and money laundering.
What credit reference and fraud prevention agencies do with your information
When credit reference agencies receive a search from us they will:
a) credit information such as previous applications and the conduct of the accounts in your name and of your associate(s) (if there is a link between you – see 1 above) and/or your business accounts (if you have one).
b) public information such as County Court Judgments (CCJs) and bankruptcies.
c) Electoral Register information.
d) fraud prevention information.
Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.
If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.
The information which we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to:
Your information may also be used to:
How your data will not be used by credit reference agencies:
You can contact the Credit Reference Agencies currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or visit www.equifax.co.uk.
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or visit www.experian.co.uk.
How we safeguard your information and how long we keep it for
The following ‘Retention Periods’ are applicable:
We may use your information to provide you with marketing information that you request or that we feel may interest you by post, email and/or telephone (including SMS) as follows:
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential and you have indicated you wish to receive such contact. If you apply for business finance we will share your data as identified in this policy.
We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
If you do not want us to use your information for marketing purposes, please indicate your preference via the relevant boxes on any forms you submit when you are providing your contact information. You may also ask us at any time not to use your information for marketing purposes by contacting us via the following methods
Phone: 0121 3140605
Post: BizBritain, 96 High Street, Marlow, Buckinghamshire SL7 1AQ
Where do we transfer your information to?
We will not routinely transfer your information to, or store it, outside the European Economic Area (“EEA”). If we do wish to transfer your personal data outside the EEA to countries which do not have as developed data protection laws, we will ensure that it is adequately protected in accordance with Principle 8 of the DPA.
Please do not send us your information if you do not want it to be transferred to or stored outside the EEA. By providing your information to us you agree and consent to us transferring to, and storing your information at, a destination outside the EEA.
Who do we share your information with?
We will also share your information with Start Up Loans Company and Finance Partners so that they can consider your eligibility for support/as well as Government departments for research purposes. A Finance Partner is the organisation that provides successful loan recipients with the loan proceeds and appears as the lender of record on the Loan Agreement. If approved for a loan, BizBritain will confirm who the Finance Partner will be.
We may share your information with other organisations:
We may also share your information with selected third parties for the purposes of enabling them to provide data analysis, customer support, storage and other services to us. We will also share your information with our banking partners, currently BFS, for the purpose of carrying out credit reference checks (as set out above).
Please note that under the Freedom of Information Act 2000, we are only permitted to protect information that is actually confidential in law and where, if we were to disclose it, we could be sued for breach of confidence. Information you give us which you may consider to be confidential, or may mark as confidential, may in fact not be confidential in law. However in respect of any information we receive from you that is truly confidential, we will take steps to ensure it remains confidential. Unauthorised disclosure or misuse of personal information by staff will lead to disciplinary action.
We review our policies and audit our procedures regularly.
We review this code and our other data protection policies annually to make sure they are appropriate and up to date. We also carry out regular audits to monitor our security policies and procedures and revise them if necessary.
Your rights under data protection legislation
You have the right to see a copy of the information we hold about you on payment of a statutory fee which is currently £10. Before we agree to this, you must provide us with sufficient evidence of your identity and sufficient details of the information you wish to see to enable us to locate it.
You have the right to be removed from our mailing lists, and those of our partner organisations. Instructions on how to stop further mailings can be found at clause 8 above.
You have the right to correct any errors in information we hold about you, and to change or correct any details you have already given us. Please inform us about changes to your details so that we can keep our records accurate and up to date.
We will respond within 40 days upon receipt of the request.
Third Party Links
Occasionally, at our discretion, BizBritain may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, BizBritain seeks to protect the integrity of our site and welcome any feedback about these external sites.
Any changes will take effect 7 days after the date of our email or the date on which we post the modified terms on the website, whichever is the earlier.
Your continued use of our website after that period expires means that you agree to be bound by the modified policy.
How to contact us
Our website is owned by BizBritain. For details about our registered office address please see clause 2 above.