Privacy Policy

Naylors Finance Ltd is the Data Controller responsible for your personal Data. We are a family business with over 40 years trading history.

Our head office Address is

  • Naylors Finance Ltd
  • 97 Bridge Road
  • Horbury Bridge
  • Wakefield
  • WF45NN

Our contact details are;

The Design of our Privacy Policy

To manage your personal information in accordance with General Data Protection Regulation (GDPR), we must process your information fairly and lawfully.

The policy is set out in clear, plain language to ensure you can understand as a respected data subject, our commitment to protecting your information.

This also means you are entitled to know how we intend to use your information.

You may then decide whether or not you want to give it to us so we can provide the product you applied for.

Everyone at Naylors Finance Ltd receives regular GDPR training and their obligations to you are taken seriously.

In addition, our policies and procedures are regularly audited, including this update which was refreshed on 25/05/2018.

If you do not understand any of the information in the policy do not hesitate to contact us by any of the above methods. Normal security will apply.

Previously we explained we would ensure the policy must be clear and easy to understand.

This is our chance to explain;

• What information we may collect and how we may collect it.
• How and why we may use it.
• The methods we use to keep it secure.
• Your rights in respect of your personal data

Personal Information we may use…

and where it’s come from

To operate our business and provide our products, we gather several different categories of personal data.

Some data is gathered from you while using our online website, during conversation using the office call centre, or more than often while using your local agent.

We may use this data where we have a legal obligation regarding contracts, credit reference agencies, fraud prevention, your bank, or maybe any third party you have instructed to act on your behalf who will need to contact us.

The process starts from the moment you make an application and continues throughout the terms of your loan agreement.

Transparency

Some information we use everyday as data subjects, but as Naylors Finance Ltd is a family business we feel transparency must be key to all involved, so here are categories of personal data that we may use.

• Your name, date of birth, your address and previous addresses, contact mediums i.e. mobile phone numbers, landline numbers, email addresses, relationship and family status including dependants, if you share your home. This also includes any and all contractual data while you are with us.
• Financial information, employment data that you provide or we obtain from credit reference agencies or your bank, dependant on your payment method.
• Data captured to perform analysis of you and your account.
• Technical data gathered from use of our website(s). This may but does not always include IP addresses.
• Communication and marketing preferences.

Be clear about what we do with your application

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (CRA’s). Where you take banking services from us we may also make periodic searches at CRA’s to manage your account with us.

To do this, we will supply your personal information to CRA’s and they will give us information about you.
This will include information from your credit application and about your financial situation and financial history. CRA’s will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.


We will use this information to:

• Assess your creditworthiness and whether you can afford to take the product;
• Verify the accuracy of the data you have provided to us;
• Prevent criminal activity, fraud and money laundering;
• Manage your account(s);
• Trace and recover debts; and
• Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRA’s while you have a relationship with us.

We will also inform the CRA’s about your settled accounts. If you borrow and do not repay in full and on time, CRA’s will record the outstanding debt. This information may be supplied to other organisations by CRA’s.


When CRA’s receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.


If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRA’s will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRA’s to break that link.

Credit Reference Agency Information Notice (CRAIN)

The identities of the CRA’s, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRA’s are explained in more detail in the Credit Reference Agency Information Notice (CRAIN)


CRAIN is accessible from each of the three CRA’s;

Clicking on any of these three links will also take you to the same CRAIN document:

• Callcredit https://www.callcredit.co.uk/crain
• Equifax https://www.equifax.co.uk/crain.html
• Experian http://www.experian.co.uk/crain/index.html

Your Rights

• You have several rights in regards to how we use your personal information.
• You have the right to withdraw consent at any time where we are processing your data relying on consent.
• You have the right to ask us to rectify any inaccuracies regarding your personal data.
• You have the right to ask us to grade or restrict processing of your personal data if you feel it is no longer necessary for us to process in accordance with any contracts or legal obligation or legitimate interest.
• You have the right to Opt-In to any marketing campaigns or Opt-out at a later stage.

At Naylors Finance Ltd, your rights will always remain our priority so we would like to keep the communication options simple. For your ease, you can exercise any of the above rights by contacting us using any of the options below;

• Through your local agent
• In writing to: Naylors Finance Ltd, 97 Bridge Road, Horbury Bridge, Wakefield, WF45NN
• Phone: 01924 283939
• Email: admin@jrnaylors.com

Information Retention

While you are a customer with Naylors Finance Ltd we will keep your information. When you stop being a customer we will keep all your personal data no longer than 6 years. We are obliged to hold transactional data for up to 6 years to answer any regulatory enquiries or respond to any complaints during this period.

Cookies

Naylors Finance Ltd does not use cookies to hold or store any data from use of our website. However, we do use local storage within the browser used to access our website. This is a far more secure option than using Cookies and is only used to hold the time and date you accessed our site. We also store your IP address on our server, which along with the local storage, allows to stop multiple applications from the same user/device over a certain period of time.

For more information about cookies and the cookie law, including local storage, please visit; https://www.cookielaw.org/the-cookie-law/

Naylors Finance Ltd Telephone conversations

Naylors Finance Ltd has a very strict policy regarding fairness and transparency.

For this reason, we will record any incoming or outgoing telephone conversation for training and monitoring purposes.

However, if at any point during the conversation sensitive data is being discussed, like bank card details for example, we observe the capability to pause the recording in order to ensure that those details are not stored.

Credit Reference Agencies Information

Naylors Finance Ltd currently use the company Call Credit.
you have the right to access information held by a credit reference agency.
Should you need to access your information you must contact Call Credit directly on either of the options below;
Online: https://www.callcredit.co.uk/
Telephone: 0113 388 4300

Complaints

If you are unhappy with the service we have provided as your personal data controller, please contact our Data Protection Officer via email at dpo@jrnaylors.com

Alternatively, see previous communication options.

Should you still not be satisfied, you have the right to complain to the Information Commissioners Office (ICO).

Please bear in mind that should you contact the ICO, they will first ask you if you have raised the matter with us beforehand.

You can access the ICO on any of the options below
Online: https://ico.org.uk/
Telephone: 0303 123 1113
Live Chat: https://ico.org.uk/global/contact-us/live-chat/
Email: https://ico.org.uk/global/contact-us/email/

Disclosures

You must be over 18 Yrs to use the website.

Complaints Policy

As an overriding principle we believe in "Treating Customers Fairly". Naylors Finance Limited are committed to providing you with a high quality customer service.
If you are dissatisfied with the service you have received through Naylors Finance Limited, we want to know about it. Issues that arise are taken very seriously. Our aim is to ensure complaints are dealt with thoroughly in accordance with this procedure.
Upon receiving your complaint we will:
Acknowledge your complaint within two business days;
Inform you of the person dealing with your complaint;
Attempt to resolve the complaint as soon as possible;
Keep you informed of the investigation process at all times;
Send our final response within eight weeks following the receipt of the complaint.
If the matter has not been resolved by the fourth week after receiving the initial complaint, we will update you on progress.
We will provide you with our final response and include details of how you may complain to the Financial Ombudsman Service if you remain dissatisfied, or if we have been unable to resolve your complaint within 8 weeks. The details will also include how to, if you remain dissatisfied with our response, refer your complaint to our Trade Association. Generally, your complaint must reach the FOS within six months after receipt of our final response. You may complain to the FOS at an earlier point but please note, we are allowed eight weeks after your initial complaint to resolve any issues you may raise.
Please note your right to complain to the FOS is entirely separate to and not affected by your right to complain to us or the Trade Association (of which we are a member). You can complain to all three bodies at the same time if you so choose, or in any order you wish. Generally, however, you should complain to the FOS within six months of the matter which is the subject of your complaint being brought to your attention.

Consumer Credit Trade Association, Airedale House, Aire Valley Business Park, Dowley Gap Lane, Bingley, West Yorkshire, BD16 1WA
www.ccta.co.uk

The Financial Ombudsman Service, Exchange Tower, London E14 9SR
www.financial-ombudsman.org.uk
complaint.info@financial-ombudsman.org.uk
0800 023 4567 (Calls to this number are normally free from a "fixed line" phone but charges may apply if you call from a mobile)
0300 123 9123 (Calls to this number are charged at the same rate as 01 or 02 numbers on mobile telephone tariffs.)