Any reference to “we” or “us” means 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.
We observe the highest standards of practice in all our activities and treat all the personal information we collect in strict compliance with the Data Protection Act 1998.
We will treat all your personal information as private and confidential. None of the personal information you disclose to us will be disclosed to anyone other than in exceptional circumstances, as permitted by law or as described below.
This policy sets out how we will process any personal data we collect from you, or that you provide to us. Please read the following carefully to understand our practices regarding your personal data and how we will treat it.
For the purpose of the Data Protection Act 1998, both of Ashley Finance Limited and Ashley Business Finance Limited are data controllers.
HOW WE WILL COLLECT YOUR INFORMATION
We collect information about you in a number of ways:
- information you provide to us through our website (ashleyfinance.co.uk) and applications (please find further information on this set out under the section entitled “Online applications” below);
- information you provide through communications with us; and
- from outside sources such as banks and credit reference agencies.
In addition to the personal and financial information you submit (or we collect), we may collect information about your computer. For details on the information collected in this way please see our Cookies Policy.
In accordance with the Data Protection Act 1998, personal information will not be kept longer than is reasonably necessary.
HOW WE WILL USE YOUR INFORMATION
We may use information held about you in the following ways:
- to provide you with information, products or services that you request from us or which we feel may interest you and where you have agreed to be contacted for such purposes;
- prevent money laundering and fraud;
- to notify you about changes to our products and service and to carry out our obligations arising from any contracts entered into between you and us;
- we may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you by post or telephone; and
- to process any payments we may need to make to you.
If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes please contact the Marketing Department at 8th Floor, 80 Mosley Street, St Peter’s Square, Manchester M2 3FX.
WE MAY DISCLOSE YOUR INFORMATION TO THIRD PARTIES
Whilst working with you, we may need to disclose your personal information to third parties. If you are not happy for us to do this, please contact us. Times when we may disclose your personal information to a third party include:
- for fraud or money laundering prevention purposes;
- where you have confirmed to us that you are happy for us to do so to other subsidiaries of Ultimate Finance Group Limited;
- if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Website Terms and Conditions. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction (please find further information on this set out under the section entitled “Fraud and Money Laundering” below);
- when we engage third party suppliers to host and manage our site and as such they will require access to your personal data;
- when we engage payment management companies to assist us with processing any payments due from us to you and they will require some of your personal data in order to do so; and
- in the event that we sell or buy any of our business or assets, in which case we may disclose your personal data to the prospective seller or buyer.
We may give information about you, any proposed facility, live facility and your performance under any agreements with us to:
- any proposed guarantor or indemnifier of your obligations to us – so they can decide whether to proceed; and
- any banker, adviser or payment management company acting on our or your behalf so they can carry out their services to us or you.
Below are details of those credit reference agency, fraud prevention agencies and other third parties referred to above from whom we obtain information about you:
The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ
0115 941 0888
6th Floor, Lynton House 7-12 Tavistock Square, London, WC1H 9LT
GB GROUP PLC
The Foundation Herons Way Chester Business Park Chester CH4 9GB
City Tower, Piccadilly Plaza, Manchester M1 4BT
0203 733 4697
Fraud and Money Laundering
If false or inaccurate information is provided or another form of fraud is identified, details including the names of the Company Directors at the time of the fraud, will be passed to fraud prevention agencies.
Law enforcement agencies may also access and use this information.
We and other organisations may also access and use your information to prevent fraud and money laundering, for example, when:
•checking details on applications for credit and credit related accounts or other facilities;
•managing credit and credit related accounts or facilities;
•checking details on proposals and claims for all types of insurance; or
•checking details of job applicants and employees.
We and other organisations may also access and use information from other countries recorded by fraud prevention agencies.
By submitting an online application, you are:
- applying for finance from Ashley Finance Limited or Ashley Business Finance Limited, both of which are Ultimate Finance Group companies;
- confirming to us that any details you have supplied are true and correct;
- authorising us to make credit reference, fraud prevention and other enquiries in connection with this application as detailed below;
- acknowledging your full understanding where we have explained the consequences of such enquiries and the use we will make of the information we obtain about you and its disclosure;
- authorising us to disclose information to payment management companies acting on our behalf so that they can process payments due from us to you; and
- authorising us to disclose information to licensed credit reference agencies and fraud prevention agencies and others as set out below.
By making this application you confirm that you have obtained the agreement of all persons to the submission of data or that you are authorised to provide it to us. Please ensure that you bring this notice to the attention of all directors, shareholders, signatories and or guarantors of the company in which we may be required to perform identification and verification checks on at any time throughout the lifecycle of this arrangement so that they are aware of it and its effects. Where any shareholder, signatory or guarantor changes, please also bring it to their attention so that they are also aware.
How Information About You Will Be Used
When considering your application we will use the information we obtain from you or others in deciding whether to enter into any agreement with you or continue with it.
We will decide whether and upon what terms to enter into an agreement with you.
We will also use your information for training purposes, credit or financial assessment, market and product analysis and preparing statistics.
It will also be necessary for us to use some of the information you provide us with to process payments due to you.
What Searches We Will Conduct
Information may be requested from a credit reference agency search and fraud prevention agency search. Our searches will be added to your record and will be seen by other organisations that make searches with those agencies.
We will also check your identity with our credit reference agency, unless you furnish us with other satisfactory proof of identity.
We and other organisations may use and search your record at our credit reference agency and fraud prevention agency to check details about:
- credit and credit related services or other facilities;
- you and members of your household;
- trace debtors;
- recover debt;
- prevent money laundering and fraud;
- manage your accounts or insurance policies; and
- check details of job applicants and employees.
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 the country to which your information is transferred, ensures an adequate level of protection which is at least as good as those in the UK.
ACCESS TO YOUR INFORMATION – SUBJECT ACCESS REQUESTS
Under the Data Protection Act 1998, you have a right to access certain personal records we hold about you. This is called a Data Subject Access Requests. You can make a request by writing to the Group Compliance Manager, Ashley Finance Limited/Ashley Business Finance Limited, 8th Floor, Mosley Street, Manchester M2 3FX. A fee of £10 is payable.
We want to make sure that your information is accurate and up to date. You may ask us to correct or remove any information that you think is inaccurate.
You also have a right to request credit reference agencies to provide you with information that they hold about you. You must contact them directly to do this. A fee may be payable.
From time to time we may contact you by letter, phone, fax or e-mail to keep you informed about services and products which we consider may be of interest to you or to carry out market research about our products and services or those of third parties.
If you do not wish to receive such information then please let us know by writing to the Marketing Department at 8th Floor, 80 Mosley Street, St Peter’s Square, Manchester M2 3FX.
We never pass your information to external third parties for direct marketing purposes.
We will take all reasonable steps to safeguard the security and confidentiality of any information you provide to us. We cannot however guarantee the security of any information you disclose on-line. You accept the inherent security implications of providing information over the internet and will not hold us responsible for any breach of security or disclosure of information unless we have been proved to be negligent.
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.