1. Our Privacy Policy

1.1.    We are fully committed to ensuring that we manage your personal data professionally and in compliance with all applicable data protection laws. Part of this commitment is to ensure that there is transparency about how we process personal data. This policy includes an explanation of:

1.1.1.  your rights.

1.1.2.  what data we are processing;

1.1.3.  why we are processing it and what we do with it;

1.1.4.  whether we will transfer it outside of the United Kingdom;

1.1.5.  how we keep your data safe; and

1.1.6.  whether we will share it with anyone else;

1.2.    We hope that you find this Privacy Policy helpful. If you have any questions, please do not hesitate to contact us.

2.     Your personal data

2.1.    We process your personal data if we understand that you may be interested in purchasing our products or services. In this section we provide more detailed information about how we will manage your personal data.

2.2.    What data do we hold about you and how have we obtained this?

3.2.1.  We will obtain information about you when you enquire about our products or services. Typically, the information that we obtain will be Name, Address, date of Birth and other contact details.

2.2.2.  If you have visited our website we may automatically collect some personal information including: details of your browser and operating system, the website from which you visit our website, the pages that you visit on our website, the date of your visit, and the Internet protocol (IP) address assigned to you by your internet service. We collect some of this information using cookies – please see Cookies in section 3 for further information. We may also collect any personal information which you allow to be shared that is part of your public profile on a third party social network.

2.3.    How do we use your personal data and what is the applicable lawful basis?

2.3.1.  Where you are a sole trader or in a limited company and have consented, we:

2.3.1.1. may provide you with marketing information about our products and services or the products and services of our selected partners;

2.3.1.2. we will use your interaction with our website and with our chat function to identify which products will be the most relevant to you and deliver targeted and relevant messages to you.

2.3.2.  Where we are required to do so to perform our contract with you, we may process your information for

2.3.3.  We may process your information to comply with legal obligations including assisting HMRC, the Police and the Driver and Vehicle Licensing Agency

2.3.4.  We may process your information to allow us to pursue our legitimate interests including for:

2.3.4.1. analysing our performance to further improve our customer services;

2.3.4.2 market research, training and to administer our websites;

2.3.4.3 the prevention of fraud or other criminal acts;

2.3.4.4 undertaking credit checks for finance;

2.3.4.5 complying with requests from you including if you exercise any of your rights noted in this Privacy Policy;

2.3.4.6 the purpose of corporate restructure or reorganisation or sale of our business or assets;

2.3.4.7 enforcing our legal rights or to defend legal proceedings and for general administration purposes.

2.3.4.8.(where you have contacted us on behalf of a business or organisation excluding sole traders or unlimited partnerships) providing you with marketing information about our products and services or the products and services of our selected partners;

2.4.    Will we share your personal data with any third parties?

2.4.1.  We may share your data with our third party partners and other companies within our group.

2.4.2.  We may disclose your information to our third-party service providers for the purposes of providing services to us or directly to you on our behalf e.g. advertising agencies or administrative service providers. When we use third party service providers, we only disclose to them any personal information that is necessary for them to provide their service and we have a contract in place that requires them to keep your information secure and not to use it other than in accordance with our specific instructions.

2.4.3.  If we sell all or part of our business to a third party, we may transfer your information to that party to ensure that it can continue to provide information that you have requested or for any of the other purposes that we have noted above.

3.4.4.  We may transfer your data to government or other official bodies for the purposes of complying with legal obligations, for enforcing our rights, or for the prevention or detection of a crime.

Legal information

Privacy Policy

1. Our Privacy Policy

We are fully committed to ensuring that we manage your personal data professionally and in compliance with all applicable data protection laws. Part of this commitment is to ensure that there is transparency about how we process personal data. This policy includes an explanation of your rights; what data we are processing; why we are processing it and what we do with it; whether we will transfer it outside of the United Kingdom; how we keep your data safe; and whether we will share it with anyone else.

We hope that you find this Privacy Policy helpful. If you have any questions, please do not hesitate to contact us.

2. Your personal data

We process your personal data if we understand that you may be interested in purchasing our products or services. In this section we provide more detailed information about how we will manage your personal data.

What data do we hold and how is it obtained?

We obtain information when you enquire about our products or services. Typically, this includes your name, address, date of birth and other contact details.

If you visit our website, we may automatically collect information including browser and operating-system details, the referring website, pages visited, the date of the visit and the Internet Protocol address assigned by your service provider. We may also collect personal information you allow to be shared as part of a public profile on a third-party social network.

How do we use your personal data?

Where you have consented, we may provide marketing information and use website interactions to identify relevant products. We may also process information to perform our contract with you, comply with legal obligations and pursue legitimate interests including service improvement, market research, website administration, fraud prevention, credit checks, responding to rights requests, corporate reorganisation and enforcing legal rights.

Will data be shared?

We may share necessary data with third-party partners, service providers and official bodies. Service providers receive only the information required to provide their service and are contractually required to keep it secure and follow our instructions. Information may also be transferred if all or part of the business is sold.

How long is data kept?

Enquiry information is normally retained for seven years from the last contact. Information relating to purchased products is normally retained for the term of the agreement plus seven years. We retain enough information to honour marketing opt-out requests, and periods may be extended where required by law.

3. Cookies

We use cookies to monitor website visits, pages viewed, traffic data, location data and the originating domain name of an internet service provider. You can configure your browser not to accept cookies, although some website features may not function as a result.

4. Data security

We have adopted appropriate technical and organisational measures to protect the personal data we collect and use, having regard to the state of the art, the nature of the data stored and the risks to which it is exposed. However, no security system is impenetrable and we cannot guarantee the security of our database.

The transmission of information via the internet is not completely secure. Although we do our best to protect personal data, we cannot guarantee the security of data transmitted to our website. Once received, we use procedures and security features to try to prevent unauthorised access.

Where you have chosen a password to access parts of the website, you are responsible for keeping it confidential and should not share it.

5. Your rights

Your right to access data

Where we hold your personal data, you can make a subject access request. We will provide a description of the data, explain why we hold it, identify who it could be disclosed to and provide a copy in an intelligible form unless an exception applies.

Please make requests in writing to our contact email address and mark them clearly as “Subject Access Request”. Unless a different time is agreed, we will complete the request within one month.

Right to stop marketing messages

You always have the right to stop marketing messages. Use the unsubscribe button in a marketing email or contact us to update your preferences.

Right to be forgotten

If personal data is no longer necessary for the purpose for which it was collected and cannot otherwise be justified, you may request that we delete it.

Right to restrict data

You may ask us to restrict data you believe is inaccurate, or where you have a right to deletion but would prefer restriction.

Transferring your personal data

Where processing relies on consent or is connected with your contract, you may request a copy in a structured, commonly used, machine-readable format. You may also ask us to send it directly to another service provider where technically possible and legally permitted.

External lenders, credit searches and commission

To assess and arrange a funding application, Dynamic Funding may share information about the applicant business and its directors, shareholders, beneficial owners and guarantors with prospective lenders and other finance providers. Those parties may carry out business and personal credit-reference, identity, fraud-prevention, anti-money-laundering and affordability checks. These searches may leave a record on the relevant credit file. Dynamic Funding is a credit broker, not a lender. If a finance facility introduced by us completes, we will normally receive commission from the lender. The amount and basis of commission may vary between lenders and products. Commission does not influence which lender we approach.

Questions about this policy?

Contact Dynamic Funding at info@dynamicfunding.co.uk or call 020 3916 0092.

2.5.    How long do we keep your data?

2.5.1.1. If you have expressed an interest in buying products from us or from our selected partners, we will retain your contact details and related information concerning your enquiry for 7 years from the date that we last had contact with you.

2.5.1.2. If you have purchased products from us or from our selected partners, we will keep the data relating to that purchase (e.g. order forms and invoices and related correspondence) for the term of the agreement plus 7 years from the date of the contract.

2.5.1.3. If you have requested that we do not send you marketing information we will always retain sufficient information to ensure that we remember to comply with your request.

2.5.1.4. The periods stated in this section 2.5 may be extended if we are required by law to keep your data for a longer period.

3.     Cookies

3.1.    We use Cookies on our website. A cookie is a small text file which is placed onto your computer (or other electronic device) when you visit our website. This enables us to monitor how many times you visit the website, which pages you go to, traffic data, location data and the originating domain name of your internet service provider.

3.2.    You can find out more about the Cookies we use in our Cookies Policy available on the home page of our website.

3.3.    You can set your browser not to accept cookies, however some of our website features may not function as a result.

3.4.    For more information about cookies generally and how to disable them you can visit: www.allaboutcookies.org.

4.     Data security

4.1.    We have adopted appropriate technical and organisational measures to protect the personal data we collect and use having regard to the state of the art, the nature of the data stored and the risks to which the data is exposed to human action or the physical or natural environment.  However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our database.

4.2.    The transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk.  Once we have received your information, we will use procedures and security features to try to prevent unauthorised access

4.3.    Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

5.     Your rights

5.1.    Your right to access data

5.1.1.  We always aim to be as open as we can and allow people access to their personal information. Where we hold your personal data, you can make a ‘subject access request’ to us and we will provide you with:

5.1.1.1. a description of it;

5.1.1.2. an explanation of why we are holding it;

5.1.1.3. information about who it could be disclosed to; and

5.1.1.4. a copy of the information in an intelligible form – unless an exception to the disclosure requirements is applicable.

5.1.2.  If you would like to make a ‘subject access request’ please make it in writing to our contact email address noted and mark it clearly as ‘Subject Access Request’.

5.1.3.  If you agree, we will try to deal with your request informally, for example by providing you with the specific information you need over the telephone.

5.1.4.  Unless you agree a different time, we will complete your subject access request within one month.

6.2.    Right to stop marketing messages

6.2.1.  You always have the right to stop marketing messages. We will usually include an unsubscribe button in any marketing emails. If you do wish to unsubscribe, please just click the unsubscribe button and we will promptly action that request. Alternatively, you can update your marketing preferences by contacting us at any-time.

6.3.    Right to be forgotten

8.3.1.  If we hold personal data about you, but it is no longer necessary for the purposes that it was collected and cannot otherwise be justified – you have the right to request that we delete the data.

6.4.    Right to restrict data

8.4.1.  If we hold personal data about you and you believe it is inaccurate you have the right to request us to restrict the data until it is verified. You also have the right to request that the data is restricted where you have a right to it being deleted but would prefer that it is restricted.

6.5.    Transferring your personal data

6.5.1.  Where we rely on your consent as the legal basis for processing your personal information or need to process it in connection with your contract, as set out under section 2 How we use your personal information, you may ask us to provide you with a copy of that information in a structured data file. We will provide this to you electronically in a structured, commonly used and machine-readable form, such as a CSV file.

6.5.2.  You can ask us to send your personal information directly to another service provider, and we will do so if this is technically possible. We may not provide you with a copy of your personal information if this concerns other individuals or we have another lawful reason to withhold that information