We observe the highest standards of practice in all our activities and we are committed to protecting all the personal information we collect whether through our website, in person, over the telephone or in any application form you submit to us.
We will treat all your personal information as private and confidential. None of the personal information you provide to us, in any form, will be disclosed to anyone other than as permitted by law or as described below.
We collect, use and are responsible for certain personal information about you. When we do so we are subject to the General Data Protection Regulation, which applies across the European Union (including in the United Kingdom) and any other applicable data protection laws in the United Kingdom. Apart from our payroll services where we act as ‘processor’, we are responsible for your personal information as ‘controller’ of that personal information for the purposes of those laws.
Your duty to inform us of changes
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your relationship with us.
Who we are
Any reference to “we” or “us” means Ultimate Finance Group Limited with company registration number 04350565 and its registered office at First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol BS32 4QL and its subsidiaries which include:
- Ultimate Finance Limited
- Ultimate Business Finance Limited
- Ultimate Asset Finance Limited
- Ashley Finance Limited
- Ashley Business Finance Limited
Personal information we collect about you
We collect and process different kinds of personal information about individuals including: the directors/members at our clients or prospective clients, clients who may be sole traders or partners of a partnership; and our clients or prospective clients employees, customers and suppliers, which we have grouped together as follows:
- Identity Data – including name, username or similar identifier, marital status, title, date of birth and gender.
- Contact Data – including telephone number (home and mobile), home address and email address.
- Financial Data – including bank account data, financial records, debt information and credit card information.
- Transaction Data – including details about payments between you and us and details of any products or services we provide to you.
- Technical Data – including IP address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
- Profile Data – including any usernames and passwords which you create for your service accounts, any preferences you express to us and any feedback you provide to us.
- Usage Data – including information about how you use our website and our products.
- Marketing and Communications Data – including your preferences in receiving marketing from us and our third parties and your communication preferences.
We do not usually collect any Special Categories of personal information, such as information about your health, political beliefs or sexual orientation. We will notify you at the point of collection if we do need any Special Categories of personal information.
We may only process information relating to criminal convictions or criminal records where the law allows us to do so. This will usually be where it is necessary in relation to legal claims, where it is necessary to protect your interests (or someone else’s interests) and you are not capable of giving your consent or where the information is publicly available. We do not conduct DBS checks, however, as part of our pre lending process we do carry out searches with agencies such as Experian to establish creditworthiness and to detect fraud. Such searches may reveal some publicly available information about criminal records or convictions.
If you do not provide the personal information we request
Where we need to collect personal information by law or under the terms of a contract we have with you and you fail to provide that personal information when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with one of our products). In this case, we may have to cancel a product you have with us but we will notify you at the time if this is the case.
How we will collect your information
We collect information about you in a number of ways including through:
- Direct Interactions – You may provide us with Identity, Contact, Financial, Marketing and Communications Data through any applications you make to us or through communications with us; whether by post, phone, email or otherwise. This includes: product applications, creating accounts, filling in contact us forms, providing feedback, telephone queries or completing surveys. It also includes ID documents including passports, driving licences and utility bills you provide to us.
- Automated Technologies or Interactions – As you interact with our website we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal information by using server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies or by interacting with us through third party platforms such as Twitter, Facebook LinkedIn and You Tube.
- Third Parties or Publicly Available Sources – We may receive personal information about you from various third parties and publicly available sources including: (i) Contact, Financial and Transaction Data form sources such as lawyers, accountants, banks and credit reference agencies based inside the EEA; (ii) Technical Data from analytics providers such as Google based outside the EEA; and (iii) Identity and Contact Data from publicly available sources such as Companies House, the Land Registry and the Electoral Register based inside the EEA.
How and why we will use your information
Under data protection laws we can only use your personal information if we have a proper legal basis for doing so. Most commonly we will use your personal information in the following circumstances:
- to comply with our legal and regulatory obligations;
- for the performance of our contract with you or to take steps at your request before entering into a contract;
- for our legitimate interests (or those of a third party); or
- where you have given consent.
Where we are relying on consent as the legal basis for processing your personal information you have the right to withdraw consent at any time by contacting us at UFG-DataProtection-Mailbox@ultimatefinance.co.uk.
A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own fundamental rights and interests.
Purposes for which we will use your personal information
We may use the personal information held about you for various purposes and which of the legal bases we rely on to do so are set out in the following table:
We strive to provide you with choices regarding certain personal information uses, particularly around marketing and advertising.
Marketing from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased products from us and, in each case, you have not opted out of receiving that marketing.
We do not share your personal information with any company outside the Ultimate Finance Group for marketing purposes but if we decide to do so in the future we will get your express opt-in consent.
If you do not want to receive marketing communications from us please submit a request to unsubscribe by (a) emailing firstname.lastname@example.org or (b) clicking on the unsubscribe link in the next marketing email you receive from us. Once you unsubscribe you will not receive any further marketing communications from us. You will continue to receive communications from us via email if it relates directly to a service or product we provide to you.
Who we may share your personal information with
We may disclose your information to the following third parties:
- Other members of Ultimate Finance Group, all of which are located in the United Kingdom.
- Credit reference or fraud prevention agencies within the EEA to:
- undertake a search in order to verify your identity (and a record of this search will be retained);
- check the details and information you have supplied to us against any database, public or otherwise;
- assist other companies with verification and identification;
- to identify and prevent fraud, money laundering and other criminal activity;
- to protect our business; and
- to comply with laws.
- Law enforcement agencies within the EEA to the extent we are required to do so by law.
- Third party service providers including IT service providers based both inside and outside the EEA.
- Our bankers in order to comply with their regulatory and legal obligations and to provide financing to the Ultimate Finance Group.
- Our professional advisors including our lawyers, accountants and consultants so that they can provide services to us and/or advise us accurately in relation to any agreement we may have with a client.
- If we are under a duty to disclose or share your personal information in order to comply with any legal obligation, to establish or defend any legal claims or to enforce any terms of any contracts entered into between you and us. This includes exchanging information with other companies and organisations, including credit reference agencies and fraud prevention agencies, for the purposes of fraud protection and credit risk reduction. If at any time you give us or procure the giving of false of inaccurate information and we suspect fraud we will record this and disclose the relevant details to fraud prevention agencies.
- In the event that we sell or buy any business or assets, in which case we may disclose your personal information to the prospective seller or buyer of such business or assets.
- Where you have confirmed to us that you are happy for us to do so.
Transfer of information
We may transfer your personal information abroad to other countries outside of the UK. If we so do we will ensure that a similar degree of protection is afforded to your information by ensuring at least one of the following safeguards is implemented:
- We will only transfer your personal information to countries that have been deemed to provide an adequate level of protection for personal information by the European Commission.
- Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal information the same protection it has in Europe.
- Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal information shared between the Europe and the US.
Your rights in relation to your personal information
Your duty to inform us of changes
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.
Your rights in connection with personal information
Under certain circumstances, by law you have the right to:
- Request access to your personal information (commonly known as a “data subject access request”). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
- Request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
- Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
- Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
- Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
- Request the transfer of your personal information to another party.
If you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal information, or request that we transfer a copy of your personal information to another party, please contact UFG-DataProtection-Mailbox@ultimatefinance.co.uk.
No fee usually required
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
Right to withdraw consent
In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact UFG-DataProtection-Mailbox@ultimatefinance.co.uk. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
We have put in place measures to protect the security of your information. Details of these measures are available upon request.
Third parties will only process your personal information on our instructions and where they have agreed to treat the information confidentially and to keep it secure.
We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.
We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Details of retention periods for different aspects of your personal information are available in our retention schedule which is available from UFG-DataProtection-Mailbox@ultimatefinance.co.uk. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorised use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.
In some circumstances we may anonymise your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you. Once you are no longer a customer we will retain and securely destroy your personal information in accordance with our data retention policy.
Need to speak to us?
You can email us at UFG-DataProtection-Mailbox@ultimatefinance.co.uk
Website Terms and Conditions
ashleyfinance.co.uk is operated by Ashley Finance Limited (company number 02797120) and/or Ashley Business Finance Limited (company number 08093131), each of which are subsidiaries of Ultimate Finance Group Limited (company number 04350565), all of which have their registered office at First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol, BS32 4QL and its subsidiaries.
Should you wish to contact us, please email email@example.com or phone 0161 233 6380.
OTHER TERMS THAT MAY APPLY
These te refer to the following additional terms, which also apply to your use of our site:
Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.
CHANGES TO OUR TERMS
We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities. We will try to give you reasonable notice of any major changes.
WE MAY SUSPEND OR WITHDRAW OUR SITE
Our site is made available free of charge.
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
HOW YOU MAY USE MATERIAL ON OUR SITE
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.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
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.
INFORMATION ON THIS SITE
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
We have no control over the contents of those sites or resources.
OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
We will not be liable to you 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.
- In particular, 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.
UPLOADING CONTENT TO OUR SITE
Whenever you make use of a feature that allows you to upload information to our site or to make contact with us, you must comply with the content standard as set out in our Acceptable Use Policy.
You warrant that any such information or communications does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
Any information you upload to our site will be considered non-confidential and non-proprietary.
WE ARE NOT RESPONSIBLE FOR VIRUSES AND YOU MUST NOT INTRODUCE THEM
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 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 that 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 co-operate 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.
RULES ABOUT LINKING TO OUR SITE
You may link to our home page or other pages of site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our site in any website that is not owned by you.
Our site must not be framed on any other site.
We reserve the right to withdraw linking permission without notice.
The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.
If you wish to link to or make any use of content on our site other than that set out above, please contact firstname.lastname@example.org
WHICH COUNTRY’S LAWS APPLY TO ANY DISPUTES?
Acceptable Use Policy
This acceptable use policy sets out the content standards that apply when you upload content to our site, make contact with other users on our site, link to our site, or interact with our site in any other way.
WHO WE ARE AND HOW TO CONTACT US
ashleyfinance.co.uk is operated by Ultimate Finance Group Limited. We are registered in England and Wales under company registration number 04350565 and our registered office address is First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol, BS32 4QL and its subsidiaries.
Should you wish to contact us, please email email@example.com or phone 0161 233 6380.
BY USING OUR SITE YOU ACCEPT THESE TERMS
By using our site, you confirm that you accept the terms of this policy and that you agree to comply with them.
If you do not agree to these terms, you must not use our site.
We recommend that you print a copy of these terms for future reference.
WE MAY MAKE CHANGES TO THE TERMS OF THIS POLICY
We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.
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.
- For the purpose of harming or attempting to harm minors in any way.
- To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
- To transmit, or procure the sending of, 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.
- Not to access without authority, interfere with, damage or disrupt:
- any part of our site;
- any equipment or network on which our site is stored;
- any software used in the provision of our site; or
- any equipment or network or software owned or used by any third party.
We may from time to time provide interactive services on our site (Interactive Services).
Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).
We will do our best to assess any possible risks for users (and in particular, for children) 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, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.
Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.
These content standards apply to any and all material which you contribute to our site (Contribution), and to any interactive services associated with it.
The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.
Ashley Finance Limited and Ashley Business Finance Limited will determine, in its discretion, whether a Contribution breaches the Content Standards.
A Contribution must:
- Be accurate (where it states facts).
- Be genuinely held (where it states opinions).
- Comply with the law applicable in England and Wales and in any country from which it is posted.
A Contribution must not:
- Be defamatory of any person.
- Be obscene, offensive, hateful or inflammatory.
- Promote sexually explicit material.
- Promote violence.
- Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
- Infringe any copyright, database right or trade mark of any other person.
- Be likely to deceive any person.
- Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
- Promote any illegal activity.
- Be in contempt of court.
- Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
- Be likely to harass, upset, embarrass, alarm or annoy any other person.
- Impersonate any person, or misrepresent your identity or affiliation with any person.
- Give the impression that the Contribution emanates from Ashley Finance Limited or Ashley Business Finance Limited, if this is not the case.
- Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.
- Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.
- Contain any advertising or promote any services or web links to other sites.
BREACH OF THIS POLICY
When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate.
Immediate, temporary or permanent withdrawal of your right to use our site.
Immediate, temporary or permanent removal of any Contribution uploaded by you to our site.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.
We exclude our liability for all action we may take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.
WHICH COUNTRY’S LAWS APPLY TO ANY DISPUTES?
What are cookies
Cookies are small data files which are placed on your computer by this website and which collect certain personal information about you.
Cookies enable us to tailor our service offering (including our website) and to provide you with a better service.
What cookies do we use:
Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website such as verifying the authenticity of submitted application forms. They do not gather information about you that could be used for marketing purposes or remembering where you’ve been on the Internet.
Analytical/performance cookies. These cookies allow us to collect information about how you use our website, such as, how you move around our website and if you experience any errors. These cookies do not collect any information that could personally identify you; all of the information collected is anonymous and is only used to help us improve the way our website works, understand what interests you and measures how effective our marketing communications are.
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. They are linked to services provided by third parties, such as “Like” and “Share” buttons. The third party provides these services in return for recognising that you have visited our website.
Some cookies may expire when you leave the website, but others may be more permanent or not expire unless you actively delete them. These cookies are used to tailor marketing to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organisations such as advertisers. Although these cookies can track your visits to other websites, they don’t usually know who you are.
Without these cookies, online advertisements you encounter will be less relevant to you and your interests.
How to turn cookies off
If you want to turn off any of the cookies that we have in use, then you will need to change your website browser settings. All browsers provide tools that allow you to control how you handle cookies: accept, reject or delete them. These settings are normally accessed via the ‘preferences’ or ‘options’ menu of the browser you are using. (If you require more information on cookies and how to manage their storage on your computer, please visit allaboutcookies.org/manage-cookies/).
Please be aware, if cookies are disabled our site will not function correctly. Generally, cookies which are strictly necessary for the operation of this website will expire when you leave the site, whereas analytical or targeting cookies will remain for longer periods unless actively deleted.
Our commitment to you
At Ashley Finance Limited and Ashley Business Finance Limited we do our utmost to provide each customer with service that is unfailingly fair, swift and courteous. However, if you feel that we have failed in this regard and you’d like to complain we’ll deal with the issues promptly, effectively and in a positive manner.
- Should you be dissatisfied with our service and wish to make a formal complaint, please email the Group Complaints Officer at firstname.lastname@example.org. Complaints must be submitted by an officer of the business (such as a director or proprietor) or a guarantor.
- Within 1 working day we will email you to confirm that we have received your complaint.
- We will investigate your complaint promptly and do our utmost to provide you with a final response within one week. If we are unable to do this for any reason we will update you on progress at the end of that week, then give you subsequent progress reports weekly after that.
- If we are unable to resolve your complaint within 12 weeks we will provide you with a final response and details of how to escalate it further with the appropriate regulatory body.
- Please note that you must refer your complaint within 6 months of the date on our final response.