Fair Processing Notice
This Fair Processing Notice is published on behalf of Eze Talk. As such, any reference to Eze Talk, “we”, “us” or “our” in this Fair Processing Notice are references to the relevant company in Eze Talk (as named on your business agreement), which is responsible for the processing of your data. Concept Data Solutions is a trading style of Eze Talk, with company number 04122939 and address, Dane Mill Business Centre, Broadhurst Lane, Congleton, CW12 1LA.
We are responsible for, and control the processing of, your personal information in accordance with data privacy laws. Our data protection team can be contacted on 0333 009 0836, or email firstname.lastname@example.org
How we collect, use and share your data
We will use personal data for our legitimate interest (some of which is obtained from you as part of your application) and some of which is obtained from publicly accessible sources, such as credit reference agencies (‘CRAs’) in connection with any pre-application or quotation, application or any Agreement you enter with us.
The application process may mean that we supply your personal information to credit reference agencies and they may give us information about you. This may include information from your credit application and about your ﬁnancial situation and ﬁnancial history. CRAs will supply to us both public (including the electoral register) and shared credit, ﬁnancial situation and ﬁnancial history and fraud prevention information.
We will use your personal data in order to assess your application for ﬁnance and, if your application is successful, to provide the requested ﬁnancial services to you and for the ongoing administration.
The three main CRAs in the UK (Callcredit, Equifax and Experian) have produced a Credit Reference Agency Information Notice which explains how these agencies use and share personal data which they receive about you. The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at; https://www.experian.co.uk/legal/crain/
Any Commercial Credit Searches made with credit reference agencies will leave a ‘search marker’ on your file. This will appear in the “number of searches” area of your Commercial Credit Report without naming us as a lender and will not provide any details as to the nature of the search unless you proceed with a Finance Agreement with Propel. A search marker is different from a footprint on a consumer search in that it does not impact your score with the credit reference agency in the same way as a consumer footprint. We would not undertake any consumer or personal searches without your consent to do so.
We will also provide CRAs with information relating to your performance under our account or facility. These searches (and performance details of any Finance Agreements) may be accessed by other financial companies in connection with any applications for credit that you may make to them and may affect your ability to obtain credit with them.
It may also be necessary to process the personal data of any person linked to your application for finance, including joint applications, any person with whom your finances are linked, any person with at least a 25% share in your business, any guarantor or any director or partner in order to assess your application for finance. You are responsible for sharing this Fair Processing Notice with them so they are aware how their personal data may be processed. We will rely on legitimate interest as the lawful basis for processing your personal data (and the personal data of any linked person) in these ways.
It might also be necessary to share information with third parties such as our funders to whole we may assign our agreements. Details of these third parties and how they may process your data can be found below:
If your application is successful and you enter into an Agreement with us, we use your data to provide finance to you, for the ongoing administration of your Agreement and to help understand customer needs and business trends to improve our products and services. We rely on legitimate interest to process your personal data (and that of any linked person) in these ways.
- who to contact about how your information is used and who your information may be sent to;
- why and for what purposes we are using your information, including for marketing purposes;
- whether any information must be provided as part of a statutory or contractual requirement and what happens if that information is not provided;
- how long your information will be kept for;
- what your rights are in relation to your information;
- how to request that your information be handled differently; and
- how to complain