Oxcroft Financial Services

Oxcroft Commercial Finance
Station Business Centre, 2 Station Road, Clowne, Chesterfield S43 4RW

Commercial | Privacy Policy

BACKGROUND:

Oxcroft Commercial Finance Limited understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.oxcroftfs.co.uk (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site and you will be required to read and accept this Privacy Policy when signing up for an Account. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

 

  • Definitions and Interpretation 

In this Policy the following terms shall have the following meanings:  

“Account”

means an account required to access and/or use certain areas and features of Our Site;

“Cookie”

means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;

“Cookie Law”

means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;

“personal data”

means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998 OR EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and

“We/Us/Our”

means Oxcroft Commercial Finance Limited a limited company registered in England under company number 13512701 whose registered address is 158 Hemper Lane, Sheffield S8 7FE, and whose main trading address is Station Business Centre, 2 Station Road, Clowne, Chesterfield S43 4RW.

 

 

  • Information About Us
      1. Our Site is owned and operated by Oxcroft Commercial Finance Limited, a limited company registered in England under company number 13512701, whose registered address is 158 Hemper Lane, Sheffield S8 7FE, and whose main trading address is Station Business Centre, 2 Station Road, Clowne, Chesterfield S43 4RW.
      2. We are not VAT registered.
      3. Our Data Protection Officer is David Daniels, and can be contacted by email at david.daniels@elmohouse.com, by telephone on 07399 872870, or by post at Station Business Centre, 2 Station Road, Clowne, Chesterfield S43 4RW.
      4. We are regulated by The Financial Conduct Authority (FCA Number: 958722) as an Appointed Representative of Optimum Elite.
  • What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

 

  • Your Rights
    1. As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
      1. The right to be informed about Our collection and use of personal data;
      2. The right of access to the personal data We hold about you (see section 12);
      3. The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
      4. The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
      5. The right to restrict (i.e. prevent) the processing of your personal data;
      6. The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
      7. The right to object to Us using your personal data for particular purposes; and
      8. Rights with respect to automated decision making and profiling.
    2. If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
    3. For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.

 

  • What Data Do We Collect?

Depending upon your use of Our Site, We may collect some or all of the following personal (and non-personal) data (please also see section 13 on Our use of Cookies and similar technologies and Our Cookie Policy https://www.oxcroftfs.co.uk/cookies-policy

  1. name;
  2. date of birth;
  3. gender;
  4. business/company name
  5. job title;
  6. profession;
  7. contact information such as email addresses and telephone numbers;
  8. demographic information such as post code, preferences and interests;
  9. financial information such as credit / debit card numbers;
  10. IP address; (refer to cookies policy)
  11. web browser type and version; (refer to cookies policy)
  12. operating system; (refer to cookies policy)
  13. a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to; (refer to cookies policy)

 

  • How Do We Use Your Data?
      1. All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
      2. Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:
        1. [Providing and managing your Account;]
        2. [Providing and managing your access to Our Site;]
        3. [Personalising and tailoring your experience on Our Site;]
        4. [Supplying Our [products] AND/OR [services] to you (please note that We require your personal data in order to enter into a contract with you);]
        5. [Personalising and tailoring Our [products] AND/OR [services] for you;]
        6. [Replying to emails from you;]
  • [Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by N/A at this time as we do not offer a subscription email service)]
      1. [Market research;]
      2. [Analysing your use of Our Site [and gathering feedback] to enable Us to continually improve Our Site and your user experience;]
  1. With your permission or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and/or telephone and/or text message and/or post with information, news and offers on Our products and services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.]
  2. You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.
  3. We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
    1. We will retain your personal data for a minimum of six years, in line with FCA guidance, or for as long as we continue to advise you professionally. We will not retain any financial information relating to your accounts or credit/debit cards. 

 

  • How and Where Do We Store Your Data?
    1. We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
    2. Your data will only be stored in the UK.

       

    3. Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
    4. Steps We take to secure and protect your data include: 
      1. Password encryption for Microsoft SharePoint.
      2. Hardcopies of documents are scanned and uploaded onto SharePoint and will then be returned to their owner or destroyed using a crosscut shredder.
      3. Data is only shared with authorised financial institutions.
      4. We will not share your date with any other third parties without your specific prior consent.

 

  • Do We Share Your Data?
  1. We may share your data with other companies in Our group and its subsidiaries due to shared IT infrastructure.
  2. We may sometimes contract with third parties to supply products and services to you on Our behalf. These may include payment processing, delivery of goods, search engine facilities, advertising, and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
  3. We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
  4. The third party data processors used by Us and listed below are located within the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Where We transfer any personal data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the [Data Protection Act 1998] OR [GDPR] including:
    1. Not applicable at this time, paragraph retained for future amendment.
  5. In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.

 

  • What Happens If Our Business Changes Hands?
    1. We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
    2. In the event that any of your data is to 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 data deleted or withheld from the new owner or controller.

 

  • How Can You Control Your Data?
    1. In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details and by managing your Account.
    2. You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

 

  • Your Right to Withhold Information
  • You may access Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
    1. You may restrict Our use of Cookies. For more information, see section 13 and Our Cookie Policy https://www.oxcroftfs.co.uk/cookies-policy

 

  • How Can You Access Your Data?

You have the right to ask for a copy of any of your personal data held by Us. Where such data is held Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at info@oxcroftfs.co.uk, or using the contact details below in section 14.

 

  • Our Use of Cookies
    1. Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our products and services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
    2. All Cookies used by and on Our Site are used in accordance with current Cookie Law.
  1. Before Cookies are placed on your computer or device, you will be shown a pop-up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
  2. Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
  3. The following first party Cookies may be placed on your computer or device:

Name of Cookie

Purpose

Strictly Necessary

Advertising Cookies

These cookies allow advertisers and ad servers to gather information about your visits to the site and other websites. These cookies are linked to a computer and do not gather any personal information about you.

No

Analytic Cookies

These cookies monitor how users reached the site and how they interact with and move around once on the site.

No

Our Cookies

Our cookies are ‘first party’ cookies and can be either permanent or temporary. Without these cookies the site would not work properly or be able to provide certain features and functionalities.

Yes

Personalisation Cookies

These cookies are used to recognise repeat visitors to the site, they are used to record browsing history, the pages you have visited and your settings and preferences each time you use the site.

No

Security Cookies

These cookies help and identify and prevent security risks. We use these cookies to authenticate users and protect user data from unauthorised parties.

Yes

Site Management Cookies

These cookies are used to maintain your identity or session on the site so that you are not logged off unexpectedly and any information you enter is retained from page to page.

No

Third Party Cookies

These may be in place on your computer when you visit the site by companies that run certain services we offer. They allow third parties to gather and track certain information about you.

No

13.6 Our Site uses analytics services provided by WordPress. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you. Please refer to Our Cookie Policy https://www.elmohouse.com/cookies-policy.

  1. The analytics service(s) used by Our Site use(s) Cookies to gather the required information.
  2. The analytics service(s) used by Our Site use(s) the following Cookies:

Name of Cookie

First / Third Party

Provider

Purpose

Crumb

First

WordPress

Prevent cross-site request forgery (CSRF)

    1. In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
    2. You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
  • It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.


  • Contacting Us

If you have any questions about Our Site or this Privacy Policy, please contact Us by email at info@oxcroftfs.co.uk, by telephone on 07399 872870, or by post at Station Business Centre, 2 Station Road, Clowne, Chesterfield S43 4RW . Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).

 

  • Changes to Our Privacy Policy

We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.