Empire Commercial Lending Ltd is committed to protecting your privacy. This Privacy Policy sets out how Empire Commercial Lending Ltd handle data which identifies you.
Empire Commercial Lending Ltd company registration number is SC860568 and our registered office is Unit 9, 15 Pitreavie Court, Dunfermline, KY11 8UU.
Empire Commercial Lending Ltd is an Appointed Representative of Optimum ELITE, which is a trading name of Optimum Commercial Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FRN: 808754).
This Privacy Policy forms part of our legal information and sets out how we handle data which identifies you. If you have any queries concerning your personal information, please contact our email address: craig@empirecll.co.uk.
During the course of dealing with us, we will ask you to provide detailed personal information relating to your existing circumstances, financial situation and, in some cases, your health and family health history (“Your Information”). We would like to explain what we will do with Your Information and the rights you have in relation to it.
Your Information means any information describing or relating to you. Your Information may identify you directly, for example your name, address, date of birth, National Insurance number and similar details. Your Information may also identify you indirectly, for example your employment situation, physical or mental health history, or any other information that could be associated with your cultural or social identity.
In the context of providing you with assistance in relation to your financial requirements, Your Information may include:
Title, names, date of birth, gender, nationality, civil or marital status, contact details, addresses and identity verification documents
Employment and remuneration information (including salary, bonus schemes, overtime, sick pay and other benefits) and employment history
Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependants
Health status and history, details of treatment and prognosis, and medical reports
Details of any existing financial products and their terms and conditions
When we speak with you about your financial requirements, we do so on the basis that a contract for the supply of services is in place between us. In order to perform that contract and arrange the products you require, we have the right to use Your Information for the purposes set out in this Privacy Policy.
Alternatively, either during initial discussions or once our contractual relationship has ended, we may use Your Information where it is within our legitimate business interests and your rights are not adversely affected. This may include responding to requests from lenders, insurers or the Financial Conduct Authority, or contacting you to obtain feedback on the service you received.
On occasion, we will use Your Information to meet contractual responsibilities with the Financial Conduct Authority or to comply with legal or regulatory obligations. In such circumstances, Your Information is processed to meet those obligations.
We collect and record Your Information from various sources, primarily directly from you. This will usually occur during meetings, telephone conversations or written correspondence, including email.
We may also obtain information from third parties, including credit reference agencies, your employer or publicly available sources such as the electoral register. Where technology solutions are used (such as online identity verification or access to credit or banking data), your consent will be obtained prior to activation and full details will be provided.
In the course of handling Your Information, we will:
Record and store Your Information in paper files and on secure computer systems (including email, hard drives and cloud facilities), accessible only to authorised employees, consultants or contractors
Submit Your Information to lenders and/or insurance providers, in paper or electronic form, to progress enquiries or applications made on your behalf
Use Your Information to respond to queries or to inform you of developments relating to financial products or insurance policies
From time to time, Your Information may be shared with:
Lenders and insurance providers
Third parties who can assist with your enquiry or application, including product specialists, estate agents, legal service providers (such as conveyancers), surveyors and valuers
Information is shared solely for the purposes set out in this Privacy Policy and does not permit third parties to send marketing communications.
We do not anticipate transferring Your Information outside the European Economic Area.
Your privacy is important to us and we will keep Your Information secure in accordance with our legal obligations. We take reasonable steps to protect against unauthorised access, loss, misuse or damage.
We also expect you to take reasonable steps to protect your own privacy, such as avoiding unprotected email, using password-protected attachments and secure postal methods.
Your Information will be retained either electronically or in paper format for a minimum of six years, or longer where required for the duration of our relationship with you.
You can:
Request copies of Your Information held by us
Ask us to explain how we use Your Information
Request correction, deletion* or restriction of processing (subject to legal limitations)
Request an electronic copy of Your Information to be sent to another organisation
Withdraw consent for marketing communications at any time
Contact us regarding any concerns about how Your Information is used
If you wish to exercise any of these rights, please contact:
Empire Commercial Lending Ltd
Unit 9, 15 Pitreavie Court
Dunfermline
KY11 8UU
Email: craig@empirecll.co.uk
If we are unable to comply with a request, or must act differently to how you have requested, we will explain this to you. You should notify us immediately if you become aware of any unauthorised disclosure of Your Information.
You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO):
https://ico.org.uk/global/contact-us/
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
When you use our website, we may anonymously record page views to monitor traffic and improve our services. This data is not personally identifiable and is not shared with third parties.
We have security measures in place to protect our systems. However, you remain responsible for:
Protecting your login details
Closing all browser windows after use
Clearing browsing history when using shared or public computers
We may disclose personal information to third parties where required by law or a regulatory authority.
Our website may contain links to external sites. We are not responsible for the privacy practices or content of those websites.
This website uses cookies to analyse traffic but not for tracking purposes. You may disable cookies via your browser settings, though this may affect site functionality.
We may use IP addresses and analytics tools, including Google Analytics, to monitor website usage. Data collected may be transferred to servers outside the UK. By using this site, you consent to this processing.
By accessing this website, you confirm that you have read and agreed to these terms. This website is intended for UK residents only and does not constitute financial advice.
Whilst we make reasonable efforts to ensure accuracy, we accept no liability for reliance on website content. We reserve the right to amend this Privacy Policy at any time.
All website content is protected by copyright. No content may be reproduced or used for commercial purposes without prior written consent.
Email communications cannot be guaranteed to be secure during transmission.
Any disputes arising from use of this website are governed by the laws of England and Wales.
By using this website, you consent to the international transfer of information where necessary.