DATA PROTECTION STATEMENT: How your personal information will be used by LDF Operations Limited
(a) The terms set out in this Data Protection Statement apply to any information you give LDF Operations Limited (“LDF Operations Limited”) from time to time and to any information you have already provided.
(b) We may revise or supplement our Data Protection Statement from time to time for any of the following reasons:
(c) You must not send us personal information about someone else without first getting his or her consent for it to be used and disclosed in the ways set out in our Data Protection Statement. This is because we will assume he or she has consented, although we may still ask for confirmation from them. Where you do give us information about someone else, or someone else discloses a connection with you, that information may be taken into account with your other personal information.
(d) We treat your privacy very seriously and we understand that you will wish to know how we will use the information we collect from or about you. We use your personal information in accordance with our Data Protection Statement and will fully comply with all applicable UK data protection legislation (including the Data Protection Act 1998). It is important that you take all necessary and appropriate steps to protect your data yourself (for example, by ensuring that all passwords and access codes are kept secure).
1.2 Information which we may collect about you
We may collect and process the following information about you:
(a) Information you provide (either directly or through an agent such as a solicitor, independent financial advisor or introducer) by completing an application for our products and services, whether in writing, on our website, over the telephone or by some other means. This information may include your name, address, contact details, date of birth, bank details, details about your employment and financial information.
(b) Records of any correspondence from you or anyone acting on your behalf.
(c) Details of transactions you carry out with us.
(d) Your credit history, where you have applied for credit or where we have agreed to provide credit to you.
1.3 Use of information collected
(a) We may process, transfer and disclose your information for the purposes of:
(b) We will act proportionately and responsibly when we process, transfer or disclose your information and we will act strictly in accordance with the Data Protection Act 1998.
(c) Where you have applied for credit or where we have agreed to provide credit to you, we may from time to time make searches of your record at a credit reference agency. Your record includes searches made and information given by other businesses. Details of our searches will be kept by the agency and will be seen by other organisations that make searches with the agency for the purposes of credit assessment, debt recovery, management of your accounts, prevention of money laundering and fraud, and statistical analysis.
(d) We may at any time search your record with a fraud prevention agency. If at any time you give us or procure the giving of false or inaccurate information and we suspect fraud we will record this. The fraud prevention agency will use information recorded for statistical analysis about fraud and will also share it with other organisations who will use it to prevent fraud and to help make decisions on motor, household, credit, life and other insurance proposals and claims by you, members of your household or any other businesses associated with you.
(e) We may from time to time contact you about products and services available from LDF Group which we believe may be of interest to you. We may do this by post or by phone unless you have told us in writing not to; and by e-mail, text or other electronic means if you have told us in writing that we can. You can tell us in writing at any time if you change your mind.
(f) Where you apply for credit we will tell you, where permitted by law, if we make a decision about you relating to your credit scoring or eligibility for our products or services solely using an automatic decision making process. You can then request a review by us of the decision using other means.
1.4 Disclosure of your information
(a) Your personal information may be passed to and used by companies within LDF Group and its agents and sub-contractors who administer or process the information on its behalf. Please contact the Company Secretary at Dee House, St David’s Park, Ewloe, Flintshire, CH5 3XF for an up-to-date list of the current members of LDF Group.
(b) Where you have been introduced to us by an introducer such as an independent financial advisor, we will inform the introducer about the outcome of your application and whether we have agreed to provide you with the product or service for which you have applied. We may also disclose information about you and your relationship with us (including details of any related investment) throughout the term of that relationship. If you do not wish us to disclose this information, please inform us in writing.
(c) We may also disclose your personal information to third parties in the following circumstances:
1.5 International transfer
(a) We may transfer your personal information outside the European Economic Area (EEA) to countries which may not offer the same level of data protection as the United Kingdom.
1.6 Access to your information and correction
Subject to some exceptions, you have a right to access personal data that is held about you. To obtain a copy of the personal information we hold, you should write to the Data Protection Officer at LDF Group. We will respond to you within forty days of receipt of the request and we will charge the statutory rate for this service, which at present is £10. You may also request from us details of the credit reference agencies and fraud prevention agencies with which we may have carried out searches. If there are any inaccuracies in the information we hold about you, please notify us of this in order that we may correct the information we hold about you.
1.7 Important: Marketing opt out
We may send you information about similar products and services which may be of interest to you, this product information will be sent to you by email or fax. If you do not wish to receive information this way please send an email to firstname.lastname@example.org and we will remove you from our mailing list.
1.8 How to contact Us
If you have any comments or questions about our Data Protection Statement, please contact the Data Protection Officer at LDF Group.
Changes to these Terms of Business We may update these Terms of Business from time to time and any changes will be notified to you via the e-mail address provided by you (if so authorised). The changes will apply immediately upon providing you with notice. If you do not wish to accept the new Terms and Conditions you should contact us immediately. Otherwise your continued instruction to LDF to source finance shall indicate your acceptance of the updated Terms of Business.
We may store information about you using cookies (files which are sent by us to your computer or other access device) which we can access when you visit our site in future. This enables us to improve your experience of browsing our website and track the performance of our content.
If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.
Information on deleting or controlling cookies is available at www.AboutCookies.org. Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our site.
Our cookies will have the file names detailed below.
We may store a session cookie on your machine which is necessary for site functionality in order to log into our Leaseline system.
|ASP.NET_Sessionid||This cookie contains no personally identifiable information and simply holds the session data for a login system||Deleted when you close the browser|
LDF uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of the LDF websites and compile reports for us on activity on the website.
Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. By using the LDF websites, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
|__utma||This cookie is used to determine unique visitors to our site||2 years|
|These cookies work together to calculate the average length of time users spend on our site.||
__utmb 30 minutes,
|__utmz||This cookie records information about how the page was reached (for example via a search engine result or a direct link)||6 months|
|__hstc||The main cookie for tracking visitors. It contains: the domain, utk (see below), initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session)||2 years|
|hubspotutk||This cookie is used for to keep track of a visitor's identity. This cookie is passed to HubSpot on form submission and used when deduplicating contacts.||10 years|
|__hssc||Cookie for keeping track of sessions. This is used to determine if we should increment the session number and timestamps in the __hstc cookie. It contains: the domain, viewCount (increments each pageView in a session), session start timestamp.||30 min|
|__hs_do_not_track||This cookie is set when you give users the choice to opt out of cookies and they choose to do so. It disables tracking and personalization.||2 years|
|__hs_testcookie||This cookie used to test whether the visitor has support for cookies enabled.||Session cookie|
|This cookie used to keep track of page views in a session.||Session cookie|
|hsfirstvisit||This cookie used to keep track of a user's first visit.||10 years|
Lucky Orange Web AnalyticsThis site uses the Lucky Orange analytics system to help improve usability and the customer experience. Lucky Orange may record mouse clicks, mouse movements and scrolling activity. Lucky Orange may record keystroke information that you voluntarily enter on this website. Lucky Orange does not track this activity on any site that does not use the Lucky Orange system. If you wish to opt out, you can do so here.
|The cookie stores anonymous session data and if your computer is already logged into Twitter, may contain session or other data identifying the logged in account.||2 years|
We could not have been happier. Banks as usual were a nightmare - they took over six weeks to eventually refuse for vague reasons unexplained. LDF were professional, helpful, friendly, and best of all, fast.