YB Financial Advisory Ltd Privacy Policy.
YB Financial Advisory Ltd are Commercial Finance Brokers based at 4 Cliffe Park Way, Bruntcliffe Road, Morley, Leeds, LS27 0RY .
We act as a Commercial Finance intermediary for our customers.
YB Financial Advisory Ltd is Authorised and Regulated by the Financial Conduct Authority under FCA number 946184.
Our ICO Registration is ZA915084.
You can contact us by telephone on 0113 479 0929.
- Respond to your service enquiry
- Carry out our obligations arising from any contract between you and us
- To provide you with information on any products and services you request from us
- To approach lenders on your behalf to request funding
- For fraud prevention
- For audit purposes
- For credit reference checks
We may share your information with, and obtain information about you from, credit reference agencies or fraud prevention agencies.
We will not disclose your information to any company outside of our panel of lenders except to help prevent fraud or if required by law to do so.
In the course of your interactions with YB financial Advisory Ltd you may share information with us that is classified as ‘Special Category Data’. This could for example include data regarding Race, Ethnic origin, Health, Disabilities. Where you do share information relating to any of these categories (e.g. information shared about your health or a characteristic of vulnerability) YB Financial Advisory Ltd will always seek explicit consent from you to store and process such information.
For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold on you, please contact paul@ybfa.co.uk
If you consent to us contacting you for this purpose please tick to say how you would like us to contact you:
☐ Post
☐ Phone
☐ Text
☐ Automated Call
You may withdraw this consent at any time by contacting us by email, telephone or post.
YB Financial Advisory Ltd will be what is known as the ‘controller’ and the ‘processer’ of the personal data you provide to us. We collect personal data about you including address, contact details, and any financial information which may be required to assist in sourcing the most appropriate funding solution. We will also need identity and address verification documents. We may also include any special types of information or location-based information.
We will keep your personal data for a minimum of 6 years, after which time it will be destroyed. The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.
We will keep your personal data for a minimum of 6 years, after which time it will be destroyed. The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.
We need to know your basic personal data in order to provide you with an accurate recommendation for your personal circumstances. We will not collect any personal data from you we do not need in order to provide and oversee this service to you. For processing of data to be lawful under GDPR YB Financial Advisory Ltd use:
- Consent: the individual has given clear consent for you to process their personal data for a specific.
- Contract: the processing is necessary for a contract you have with the individual, or because they have asked you to take specific steps before entering into a contract.
- Legal obligation: the processing is necessary for you to comply with the law (not including contractual obligations).
- Vital interests: the processing is necessary to protect someone’s.
- Public task: the processing is necessary for you to perform a task in the public interest or for your official functions, and the task or function has a clear basis in law.
- Legitimate interests: the processing is necessary for your legitimate interests or the legitimate interests of a third party unless there is a good reason to protect the individual’s personal data which overrides those legitimate interests. (This cannot apply if you are a public authority processing data to perform your official tasks.).
Special Category Data
In the course of your interactions with YB Financial Advisory Ltd you may share or disclose information that is classified as ‘Special Category Data’. This could include data about: Race, Ethnic origin, Politics, Religion, Health or Sexual orientation.
Where you do share such information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability YB Financial Advisory Ltd will always seek explicit consent from you to store and process such information. This information will not be disclosed to any third party without your explicit consent.
All the personal data we use is controlled by YB Financial Advisory Ltd in the UK, however, for the purposes of IT hosting and maintenance, this information is located on servers within the European Union. No 3rd parties have access to your personal data unless the law allows them to do so. We have a Data Protection regime in place to oversee the effective and secure processing of your personal data. More information on this framework can be found on our website.
We may pass your data to Banks, Lenders, brokers, IFA’s and other Financial Providers, in order to provide you with offers of products suitable to meet your customer requirements.
Your data is stored electronically on our cloud encrypted server. Our server is based in the UK.
The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by www.cifas.org.uk/fpn or by contacting Data Protection Office.
The Right to Access – You have the right to request YB Financial Advisory Ltd for copies of your personal data. We may charge you a small fee for this service.
The Right to Rectification – You have the right to request that YB Financial Advisory Ltd correct any information you believe is inaccurate. You also have the right to request YB Financial Advisory Ltd to complete the information you believe is incomplete
The Right to Erasure – You have the right to request that YB Financial Advisory Ltd erase your personal data, under certain conditions.
The Right to Restrict Processing – You have the right to request that YB Financial Advisory Ltd restrict the processing of your personal data, under certain conditions.
The Right to Object to Processing – You have the right to object to YB Financial Advisory Ltd’s processing of your personal data, under certain conditions.
The Right to Data Portability – You have the right to request that YB Financial Advisory Ltd transfer the data that we have collected to another organization, or directly to you, under certain conditions.
The Right in Relation to Automated Decision Making and Profiling – this allows individuals to object to their data being used in an automated individual decision-making process (making a decision solely by automated means without any human involvement) and profiling (automated processing of personal data to evaluate certain things about an individual). Profiling can be part of an automated decision-making process.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact Paul Grace, paul@ybfa.co.uk
If you wish to raise a complaint on how we have handled your personal data, you can contact Paul Grace, who will investigate the matter.
More information about your rights can be found on the Information Commissioners website. https://ico.org.uk/
You also have a right to complain to the Information Commissioner’s Office which regulates the processing of personal data. You can contact them at Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, on 0303 123 1113 or by email to casework@ico.org.uk. See also https://ico.org.uk/global/contact-us
Name, address, email, contact numbers, dependents, financial status, and financial information.