Swift Property Finance Privacy Policy and Terms & Conditions
Who we are
Swift Property Finance and Swiftpropertyfinance.com are trading styles of Viking Asset Finance LTD (Company Registration Number SC476427). Registered office: Mullion House – Unit U1, Aberuthven, PH3 1EL. Viking Asset Finance LTD is an Authorised Representative of EFT Finance LTD, FRN 667290.
This privacy policy explains how we and potential funders use the personal information we ask you to provide. Please read it carefully and if you have any questions, contact our Data Protection Officer on ,a<a href=”mailto:[email protected]”>[email protected]</a>. By sending us the information we have requested, we understand that you have read and are happy with the processing detailed in this privacy policy.
Our legal basis for processing your information, under the UK’s data protection laws, is the Legitimate Interests basis. You provide us with your information so that we may seek suitable financing for your needs.
What information we will need from you
The following are examples of the information we may ask you to provide:
- Your full name and home address
- Your date of birth
- A copy of your passport
- A copy of your driving licence
- A recent utility bill detailing your home address
- Details of your personal means and liabilities
- How we will use your information
We will pass your information to potential funder(s). We will never sell your information to third parties for marketing purposes.
Potential funders:
To process your application, the potential funder(s) will perform credit and identity checks on you and your business partners. They will send the information on your application to one or more Credit Reference Agency (CRA). The potential funder will then use the information provided by the CRA’s to verify the data you have provided, assess your creditworthiness and if necessary, prevent criminal activity.
We will provide you with a link to the data protection notices of any potential funders we approach on your behalf. In their data protection notices, potential funders will inform you if they intend to use automated credit assessment and decision making or to use your personal data for marketing and related activities. You have a right to ask the funder to manually review any automated decision and you have the right to object to your information being processed for marketing or marketing related activities. Potential funders may process sensitive personal data (for example, mental and physical health details) but they would request your explicit consent to do so.
Credit Reference Agencies:
CRA’s will record the information about you, your business and its proprietors they receive from the potential funders. When the CRA receives a search from a potential funder, they place a footprint on your credit file which may be seen by other lenders. The CRA’s may supply the potential funder with both public (including electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
If you are a director, the potential funder may seek confirmation, from CRA’s, that the residential address you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House. The potential funder may search all directors as individuals as well as in their capacity as directors / guarantors.
If you are making a joint application or you tell us that you have a spouse or financial associate, you must discuss your funding requirements with them before we send the application to a funder, as the CRA’s may link your records together.
If you borrow from a funder, the details of your accounts and how you manage it/them will be passed onto CRA’s. If you borrow and do not repay in full and on time, CRA’s will record the outstanding debt and may supply this information to other organisations or Fraud Prevention Agencies (FPA’s) who may perform similar checks to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
If you provide false or inaccurate information and there is any suspicion of fraud, CRA’s will record this and may also pass this information to FPA’s and other organisations.
There are 3 CRA’s currently operating in the UK. Details about the CRA’s and their data protection policies can be obtained from these three addresses which will take you to the same Credit Reference Agency Information Notice (CRAIN) document:
- Callcredit Limited: <a href=”http://www.callcredit.co.uk/crain”>www.callcredit.co.uk/crain</a>
- Equifax Limited: <a href=”http://www.equifax.co.uk/crain”>www.equifax.co.uk/crain</a>
- Experian Limited: <a href=”http://www.experian.co.uk/crain”>www.experian.co.uk/crain</a>
The information held by the CRA’s currently operating in the UK may not be the same. Should you wish to contact any of them it is worth considering contacting them all.
- Callcredit Limited – Consumer Services Team – 0330 0247574
- Equifax Limited – 0800 014 2955 or 0333 3214043
- Experian Limited – 0344 481 0800 or 0800 013 8888, <a href=”https://ins.experian.co.uk/contact”>https://ins.experian.co.uk/contact</a>, <a href=”mailto:[email protected]”>[email protected]</a>
How long we store your information
The UK’s data protection laws require that personal information is retained only for as long as it is necessary for the purpose for which it was obtained. We store your information for 6 years from the date you supplied your information to ensure that we comply with this principle.
Your information security
We take steps to protect your personal data against loss or theft, unauthorized access/disclosure/copying/use or alteration.
Access to your information and correction
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all your personal information, please contact our Data Protection Officer:
- By email: <a href=”mailto:[email protected]”>[email protected]</a>
- By post: Data Protection Officer, Swift Property Finance, Mullion House – Unit U1, Aberuthven, PH3 1EL
You have the right to ask us to update, correct or remove information you think is inaccurate or incomplete. Where you request changes to be made to the information that we hold, we will also advise any funders who hold your information. When your finance period ends or in the event of the funding not going ahead, you may ask us to erase your personal data.
Your right to object
You have the right to object to the processing of your information. We will stop processing your application for finance, unless there are legitimate reasons to continue, for example: the exercise or defence of legal claims.
Your right to complain
Should you feel that any matter has not been given the appropriate attention, you have the right to lodge a complaint with a supervisory authority.
- Complaints about how your information has been handled – Information Commissioner’s Office (ICO) ‘phone helpline: 0303 123 1113, post: ICO, Wycliffe House, Water Lane, Wilmslow, SK9 5AF, website: www.ico.org.uk.
- Complaints relating to your finance agreement – please contact the relevant finance company.
- Complaints about Swift Property Finance’s service – write to: The Directors, EFT Finance Limited, Milnwood, Swift Property Finance, Mullion House – Unit U1, Aberuthven, PH3 1EL or email [email protected].
Terms of site use
Welcome to Swiftpropertyfinance.co.uk If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy above govern Swift Property Finance’s relationship with you in relation to this website. If you disagree with any, or part of these terms and conditions, please do not use our website. We recommend you regularly review the website polices, as they are subject to change without notice.
The term ‘Swift Property Finance’ ‘Swiftpropertyfinance.co.uk’ or ‘us’ or ‘we’ refers to the owner of the website; Viking Asset Finance LTD (Company Registration Number SC476427). Our registered office is at; Mullion House – Unit U1, Aberuthven, PH3 1EL. The term ‘you’ refers to the user or viewer of our website.
The use of this website is subject to the following terms of use:
The content of the pages of this website is for your general information and use only. It is subject to change without notice.
This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, data and information may be stored about you, this is explained further in our Privacy Policy above and on our Cookie Policy page.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trademarks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.
Changes to our privacy policy and terms and conditions
This privacy policy was last updated November 2018. We keep our privacy policy under review and will place any updates on our website <a href=”https://www.swiftpropertyfinance.co.uk”>www.swiftpropertyfinance.co.uk</a>.