Privacy Policy & Terms And Conditions

Terms of Use

Legal information & terms and conditions

These terms of use (together with the documents referred to in it) set out the terms on which you may make use of our website www.alfafinance.co.uk (“our site”), whether as a visitor or registered user.

Please read these terms of use carefully before you start to use our site as these will apply to your use of our site. By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

Other applicable terms

These terms of use refer to the following additional terms which also apply to your use of our site:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate;

Our Acceptable Use Policy, which sets out the permitted and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy; and

Our Cookie Policy, which sets out information about the cookies on our site.

Information about us

www.alfafinance.co.uk is a website operated by Alfa Finance Limited, trading as Alfa Finance (“we”; “our”; “us”). 

Changes to these terms

We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we have made as they are binding on you.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

By logging-in to our site you are also giving your explicit permission for us to correspond with your via email. You are free to Unsubscribe from any and all emails at any time.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, our site or use of or reliance on any content displayed on our site. We will not be liable for loss of profits, sales, business, or revenue, business interruption, loss of anticipated savings, loss of business opportunity, goodwill or reputation, or any indirect or consequential loss or damage.

We will not be liable for any loss or damage caused by a virus, distributed denial-of- service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. We will not be liable for any loss or damage that may arise from your use of them.

Uploading content to our site

Whenever you make use of a feature that allows you to upload content to our site, you must comply with the content standards set out in our Acceptable Use Policy.

You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty.

Any content you upload to our site will be considered non-confidential and non- proprietary. You retain all of your ownership rights in your content, but you grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you licence to us are described in the next section.

We have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our site.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.

The views expressed by other users on our site do not necessarily represent our views or values.

Rights you licence

When you upload or post content to our site, you grant us a perpetual, worldwide, non- exclusive, royalty-free licence (with the right to sub-licence) to use, copy, reproduce, distribute, prepare derivative works of (including modifying and adapting), or display that user generated content in connection with our services and the promotion of our services and in any and all media and distribution methods. Such use may be made with no compensation paid to you with respect to the content that you submit, post, transmit or otherwise make available through our site.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Third party links and resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources.

Applicable law

These terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

This acceptable use policy sets out the terms between you and us under which you may access our website www.alfafinance.co.uk (“our site”). This acceptable use policy applies to all users of, and visitors to, our site.

Your use of our site means that you accept and agree to abide by all the policies in this acceptable use policy, which supplement our terms of website use.

www.alfafinance.co.uk is operated by Alfa Finance Limited trading as Alfa Finance (“we”; “our”; “us”).

Prohibited uses

You may use our site only for lawful purposes. You may not use our site:

In any way that breaches any applicable local, national or international law or regulation.

In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards (see section below).

To transmit any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.You also agree not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use.

Interactive services

We provide interactive services on our site including, without limitation, blog functionality.

We will do our best to assess any possible risks for users from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online.

FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY

The information contained on this Website and all the resources available through this website are for educational and informational purposes only.

User’s personal responsibility

By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website.

No endorsements

From time to time, the Company will refer to other products, services, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate. The Company provides this information as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, services, and/or expert.

Earnings disclaimer

As with any business, your results may vary and will be based on your individual capacity, business experience, expertise, and commitment. There are no guarantees concerning the level of success you may experience. There is no guarantee that you will make any income at all and you accept the risk that the earnings and income statements differ by individual.

The use of our information, products and services should be based on your own due diligence and you agree that the Company is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products, and services reviewed or advertised on this Website.

Privacy Policy

This Privacy Policy explains what personal information Alfa Finance Limited T/A Alfa Finance collects from you, how we use it, what our lawful bases are for processing your information, who we share it with, how we protect it and how you can both access and control the information we hold about you.

If after reading the Policy you have any additional questions about how we use your information please write to the Data Protection Officer, Alfa Finance Limited, info@alfafinance.co.uk

Our Promise about your personal information

We promise:

• We will not sell your personal information;
• We will maintain our security systems to keep your information safe;
• We will make it easy for you to access and control your information;
• We will comply with all relevant Regulatory requirements governing the use of personal information

What Personal Information Do We Collect?

The personal information we collect depends on how you interact with us, ranging from browsing our website to formally engaging us to source an appropriate financial solution to meet your requirements.

Personal information will be collected when you use our website, when you contact us by telephone (or when we contact you by telephone), and throughout the application process, from making an initial enquiry to drawing down funds and our aftercare service. Please note calls between us are recorded and securely retained for training and compliance purposes.

Information will usually be collected directly from you or someone you have authorised to provide information to us such as a joint applicant or perhaps where you are acting as a guarantor. Information may however be collected from an Introducer or a Broker. When we are approached by an Introducer or a Broker on your behalf we undertake checks to ensure that you have been made aware of how your information will be used.

Where you request us to identify a Lender who can provide an appropriate financial solution, the information collected will be stipulated by the Lender to enable them to make an informed lending decision. The Lender will become a joint Data Controller and we recommend that you read the Privacy Policy of the Lender before submitting an Application.

The information usually collected can be categorised as:

1. Identification data – including your name, title, date of birth, national insurance number;
2. Documentary information – including Passports, Driving Licences and any other documentary evidence we request to verify your identity, residency and source of any deposit;
3. Contact information – including your address (and previous address if relevant), your telephone number and email address;
4. Employment information – including your employment status, income, employer name, length of employment, details of previous employment;
5. Financial information – including your income and expenditure, assets and liabilities, financial status, financial history, bank details, bank/credit card/mortgage statements, and debit / credit card details;
6. Transactional information – including the type of finance you have applied for (or are guaranteeing), repayments, term, exit strategy;
7. Public domain information – including information held at Companies House, in electoral rolls, and widely available on the internet;
8. Behavioural information – including details about your usage of our products and services;
9. Marketing preference information – details of any preferences you have advised us of regarding receipt of marketing literature, details of how and when you gave us “consent” (where this is required) to contact you;
10. Technical data – including IP address, web browser type and version, operating system, a list of URLs starting with a referring site, your activity on this Web Site, the site you exit to and cookie information (see “our use of cookies” below).

We do not collect information classified as Special Category data, such as racial or ethnic origin, religious beliefs or criminal convictions etc unless it is lawful to collect such information and it is relevant to the transaction.

If you are an introducer of business into Alfa Finance Limited, we will collect some identification data, contact information and employment information. We will also ask you to confirm your/your firms’ status with the Information Commissioner’s Office, and that the client you are introducing has been made aware of how you will process and share their data with us.

How Do We Use Your Personal Information?

Any personal information we collect will be retained by Alfa Finance Limited for as long as you are a client of Alfa Finance Limited.

After you cease being a client of Alfa Finance Limited we may retain your information for up to 6 years in order to respond to complaints or questions you may have, to demonstrate we have observed our Treating Customers Fairly principles and to fulfil any legal or regulatory requirements. For instance it is a regulatory requirement to retain information we gathered about you regarding your identity and residency for a period of time after you cease being a client.

We may retain your information for longer than 6 years if we are required to do so by law, or for research and statistical purposes where we can prove a “legitimate interest”. Where we do retain your information for more than 6 years we will ensure your information is used only for these stated purposes.

What Lawful Bases Do We Have For Processing Your Information?

Where you approach us for a quote for a financial product or request us to make an approach to a lender on your behalf, our lawful basis for processing your data is “contract” i.e. we are processing your data because you have asked us to do something before you enter into a contract.

For some of the data we process, we also have a “legitimate interest”, and / or a “legal obligation”. For example we have both a “legitimate interest” and a “legal obligation” to process information to prevent financial crime. There will also be occasions where we rely on your “consent” to process your data, for example we would not undertake a credit search on you without your consent.

Where you have made an enquiry with us we have a “legitimate interest” to keep you informed about relevant products and solutions that may be of interest to you. When we first collect information from you, we will give you the option to restrict this processing i.e. prevent any marketing material being received. Where you do not exercise your right to restrict this processing, all marketing literature we send to you will have an option to unsubscribe. You can also exercise your right to restrict processing for marketing purposes, or withdraw any “consent” you have previously provided to us, at any time. Please see “how can you restrict us sending you marketing material?” below.

Who Do We Share Your Information With?

Where you request we provide you with a quote for a financial product, we will share information with our panel of lenders. The information we share will be restricted to the information required to obtain a quote.

Where we approach a lender for a decision in principle, we will share information with the appropriate Lender. The information we share will be restricted to the information required to obtain a decision in principle.

Once you have made an informed choice about the product you would like to formally apply for, we will collect and share the information required by the Lender in order to enable them to process your Application. Before you instruct us to submit an Application on your behalf to a Lender, we recommend you read the Lenders Privacy Policy. We will signpost you to this Policy should you require us to.

In addition to the lenders as outlined above, we may share your personal information with:

Professionals appointed by yourself, appointed by the lender or appointed by ourselves to negotiate and execute the transaction;

• Fraud Prevention Agencies in order to verify your identity and address, and for fraud prevention purposes;
• Credit Reference Agencies. Usually the Lender will either undertake a Credit Reference search themselves or request that you supply a Credit report, but on occasion Alfa Finance Limited may undertake this search;
• Organisations that formally introduce you to us;
• Associated companies of Alfa Finance Limited where we believe they can contribute to a competitive bespoke financial solution. Any approach we make to an associated company will be with your knowledge or on a no names basis;
• Organisations you ask us to share your information with;
• Third parties specifically contracted by Alfa Finance Limited to deliver products and services to you as referred to in “our use of third parties” below.

How Do We Protect Your Information?

Information security is of great importance to Alfa Finance Limited and to protect your information we have put in place suitable physical, electronic and managerial procedures. For example access to information is restricted internally within our business so that only colleagues with a legitimate need to access the information are permitted to access it.

We also have policies in place to ensure we do not collect excessive or special category information from you and systems to securely dispose of information in line with our retention policy.

Alfa Finance Limited also employs the services of third parties to control and protect your information and regularly reviews the security controls in place.

How Can You Access And Control The Information We Hold About You?

You can access information we hold about you by writing to the Data Protection Officer at Alfa Finance Limited, A.R.T. Centre, Tan House Lane, Widnes, Cheshire, WA8 0RR. To respond to your request we may need to contact you to ensure we fully understand your request and we will also need to verify your identity to ensure we do not disclose information to a third party (unless you specifically authorise us to do so). Information will usually be provided to you free of charge, unless defined as unfounded, excessive or repetitious in accordance with current regulations.

In certain circumstances you can request us to:

rectify any inaccurate data we hold,

• complete any incomplete data,
• erase personal data (“the right to be forgotten”),
• restrict or object to the processing of your personal data.

Should you wish to request any of the above, please contact the Data Protection Officer at Alfa Finance Limited, A.R.T. Centre, Tan House Lane, Cheshire, WA8 0RR. In the event we do not believe your request meets the qualifying criteria or we are unable to comply with your request for any lawful reason, we will explain these reasons to you.

Your Right To Withhold Information

If you choose not to give us personal data which is required by ourselves or the lender as part of your application, it may delay or prevent your application from progressing.

You may access certain areas of this Web Site without providing any information at all. However, to use all Services and Systems available on the Web Site you may be required to submit personal information. You may also restrict your internet browser’s use of Cookies. For more information see “our use of cookies” below.

Our Use Of Cookies

Cookies are small text files placed on your computer to collect information such as visitor behaviour information to help us improve our Website. Alfa Finance Limited has carefully chosen these Cookies and uses them to facilitate certain functions and features of the Web Site. We also use Cookies for analytical purposes.

For information about how you can delete and control cookies, visit www.aboutcookies.org or www.allaboutcookies.org. Please note deleting cookies may mean you lose any information that enables you to access the Web Site more quickly. It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your browser if you are unsure as to how to adjust your privacy settings.

How Can You Restrict Us Sending You Marketing Material?

You will be given the option to restrict processing for marketing purposes when we first collect personal information from you. If you do not exercise this right to restrict processing, every subsequent marketing message you receive will give you the option to unsubscribe. However, you can also withdraw your consent at any time by emailing info@alfafinance.co.uk, adding “STOP” to the email heading followed by the type of marketing you are seeking to stop i.e “STOP – email”, “STOP – telephone”, or “STOP – all”.

How Do You Make A Complaint About How We Have Used Your Personal Information?

If you are unhappy with how we have used your personal information you can submit a complaint to us by writing to the Complaints Manager and info@alfafinance.co.uk. You can also complain to the Information Commissioner’s Office via their website https://www.ico.org.uk/

Our Use Of Third Parties

Alfa Finance Limited may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment handling, delivery of purchased items, search engine facilities, advertising and marketing. We also use third parties to provide IT security solutions.

The providers of such services only have access to the information required by them to perform the services that Alfa Finance Limited requests. Any use for other purposes is strictly prohibited. Furthermore, any data handled by third parties must be processed within the terms of this Privacy Policy and in accordance with current legislation.

Changes To Our Business Ownership And Control

Alfa Finance Limited may, from time to time, expand or reduce its business and this may involve the sale of certain divisions or the transfer of control of certain divisions to other parties. Information you have provided to us will, where it is relevant to any division so transferred, be transferred along with that division and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the information for the purposes for which it was supplied by you.

In the event that any information you have provided to us will be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your information deleted or withheld from the new owner or controller.

Our Review Of This Policy

Alfa Finance Limited keeps this Privacy Policy under regular review. This Policy was last reviewed on 18/10/2022. Any changes will be immediately posted on the Web Site and you are deemed to have accepted the terms of the Policy on your first use of the Web Site following the alterations.