Privacy Policy for HMRC Loans
Who We Are?
Who We Are?
Business & Tax Loans Limited (FRN: 1023843) T/A HMRC Loans are an independent Finance Broker registered office: 124 City, London EC1V 2NX. We act as a broker for our customers. Business & Tax Loans Limited T/A HMRC Loans is an appointed representative of Moorgate Finance Ltd T/A MBN®️ which is Authorised and Regulated by the Financial Conduct Authority. FRN 662419.
Business & Tax Loans Limited (FRN: 1023843) T/A HMRC Loans are an independent Finance Broker registered office: 124 City, London EC1V 2NX. We act as a broker for our customers. Business & Tax Loans Limited T/A HMRC Loans is an appointed representative of Moorgate Finance Ltd T/A MBN®️ which is Authorised and Regulated by the Financial Conduct Authority. FRN 662419.
What is the purpose of this document?
What is the purpose of this document?
Business & Tax Loans Limited T/A HMRC Loans is the controller and responsible for your personal data (collectively referred to as "we", "us" or "our" in this privacy notice). This means that we are responsible for deciding how we hold and use personal information about you. We are required under data protection legislation to notify you of the information contained in this privacy notice.
It is important that you read this privacy notice together with any other privacy notice or fair
processing notice we may provide on specific occasions when we are collecting or processing
personal data about you so that you are fully aware of how and why we are using your data. This
privacy notice supplements the other notices and is not intended to override them.
Our Policy explains our treatment of personally identifiable information which we gather from
you, including during your use of our website and when you interact with us in other ways offline.
We gather various types of information from our users, as explained in detail below, and we use
this information in connection with our services, including to personalise, provide and improve
our services, to fulfil your requests for certain services and in some cases, to analyse how you
use those services.
Business & Tax Loans Limited T/A HMRC Loans is the controller and responsible for your personal data (collectively referred to as "we", "us" or "our" in this privacy notice). This means that we are responsible for deciding how we hold and use personal information about you. We are required under data protection legislation to notify you of the information contained in this privacy notice.
It is important that you read this privacy notice together with any other privacy notice or fair
processing notice we may provide on specific occasions when we are collecting or processing
personal data about you so that you are fully aware of how and why we are using your data. This
privacy notice supplements the other notices and is not intended to override them.
Our Policy explains our treatment of personally identifiable information which we gather from
you, including during your use of our website and when you interact with us in other ways offline.
We gather various types of information from our users, as explained in detail below, and we use
this information in connection with our services, including to personalise, provide and improve
our services, to fulfil your requests for certain services and in some cases, to analyse how you
use those services.
We may update our policies from time to time for any of the following reasons:
We may update our policies from time to time for any of the following reasons:
To provide for the introduction of new or improved systems, methods of operation,
services or facilities; to reflect an actual or expected change in market conditions or
general banking practice.
To comply with or anticipate any changes in any legal or regulatory requirement.
To ensure that our business is run prudently.
To make our policies clearer or more favourable to you; or to rectify any outdated
information
You must not send us personal information about someone else without first getting the
individual’s consent for it to be used and disclosed in the ways set out in our Policy. If you give us
information (including personal information) on behalf of someone else, you confirm that the
other person has given you permission to act on their behalf and has agreed that you can:
You must not send us personal information about someone else without first getting the
individual’s consent for it to be used and disclosed in the ways set out in our Policy. If you give us
information (including personal information) on behalf of someone else, you confirm that the
other person has given you permission to act on their behalf and has agreed that you can:
Provide their personal information to the Company.
Give consent on their behalf to the processing of their personal data.
Receive on their behalf any data protection notices; and
Give consent to the transfer of the individual’s personal data abroad should this be
required
Where you provide information about someone else, or someone else discloses a connection
with you, that information may be considered along with your other personal information when
assessing your application to receive our services.
It is important that the personal data we hold about you is accurate and current. Please keep us
informed if your personal data changes during your relationship with us.
Where you provide information about someone else, or someone else discloses a connection
with you, that information may be considered along with your other personal information when
assessing your application to receive our services.
It is important that the personal data we hold about you is accurate and current. Please keep us
informed if your personal data changes during your relationship with us.
The data we collect about you
The data we collect about you
Personal data, or personal information, means any information about an individual from which
that person can be identified. It does not include data where the identity has been removed
(anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have
grouped together follows:
Identity data: includes first name, maiden name, last name, marital status, title, date of birth,
gender, passport (copy), driving licence (copy) and utility bills (copy).
Contact Data: includes residential address, billing address, email address and telephone
numbers.
Financial Data: includes bank details, details of you income and outgoings, net worth
statements.
Transaction Data: includes [details about payments to and from you and other details of
products and services you have purchased from us].
Marketing and Communications Data: includes your preferences in receiving marketing from
us and our third parties and your communication preferences.
We may also collect, store, and use the following "Special Categories" of more sensitive personal
information:
Information about your health, including medical conditions, particularly where you are
classified as a vulnerable individual because of your medical condition.
Personal data, or personal information, means any information about an individual from which
that person can be identified. It does not include data where the identity has been removed
(anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have
grouped together follows:
Identity data: includes first name, maiden name, last name, marital status, title, date of birth,
gender, passport (copy), driving licence (copy) and utility bills (copy).
Contact Data: includes residential address, billing address, email address and telephone
numbers.
Financial Data: includes bank details, details of you income and outgoings, net worth
statements.
Transaction Data: includes [details about payments to and from you and other details of
products and services you have purchased from us].
Marketing and Communications Data: includes your preferences in receiving marketing from
us and our third parties and your communication preferences.
We may also collect, store, and use the following "Special Categories" of more sensitive personal
information:
Information about your health, including medical conditions, particularly where you are
classified as a vulnerable individual because of your medical condition.
If you fail to provide personal data
If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract we have with you
and you fail to provide that data when requested, we may not be able to perform the contract we
have or are trying to enter with you (for example, to provide you with services). In this case, we
may have to cancel service you have with us, but we will notify you if this is the case at the time.
Where we need to collect personal data by law, or under the terms of a contract we have with you
and you fail to provide that data when requested, we may not be able to perform the contract we
have or are trying to enter with you (for example, to provide you with services). In this case, we
may have to cancel service you have with us, but we will notify you if this is the case at the time.
How is your personal data collected?
How is your personal data collected?
This information will be collected primarily from you as information voluntarily provided to us on
the basis that both parties are entering a contract for the supply of services.
We may also collect information where lawful to do so from (and combine it with information
from) credit reference and fraud prevention agencies, public sources, third party service
providers, tax, or law enforcement agencies and other third parties. Some of the personal
information obtained from Credit Reference Agencies will have originated from publicly
accessible sources.
Credit Reference Agencies draw on court decisions, bankruptcy registers and the electoral
register (also known as the electoral roll).
This information will be collected primarily from you as information voluntarily provided to us on
the basis that both parties are entering a contract for the supply of services.
We may also collect information where lawful to do so from (and combine it with information
from) credit reference and fraud prevention agencies, public sources, third party service
providers, tax, or law enforcement agencies and other third parties. Some of the personal
information obtained from Credit Reference Agencies will have originated from publicly
accessible sources.
Credit Reference Agencies draw on court decisions, bankruptcy registers and the electoral
register (also known as the electoral roll).
Cookies
Cookies
The company uses cookies and tracking code to collect information about website usage and to
help manage the performance and design of the site. Cookies are files that store information on
your hard drive or browser allowing our website to recognise that you have visited it before.
You can easily delete any cookies that have been installed in the cookie folder of your browser. To
find out more about cookies, including how to see what cookies have been set and how to
manage and delete them, visit www.allaboutcookies.org
Please be aware that restricting cookies may impact on the functionality of our website.
Please note that the use of any information we collect using cookies is subject to our Privacy
Policy.
The company uses cookies and tracking code to collect information about website usage and to
help manage the performance and design of the site. Cookies are files that store information on
your hard drive or browser allowing our website to recognise that you have visited it before.
You can easily delete any cookies that have been installed in the cookie folder of your browser. To
find out more about cookies, including how to see what cookies have been set and how to
manage and delete them, visit www.allaboutcookies.org
Please be aware that restricting cookies may impact on the functionality of our website.
Please note that the use of any information we collect using cookies is subject to our Privacy
Policy.
How we use your personal data
How we use your personal data
We will only use your personal data when the law allows us to. Most commonly, we will use your
personal data in the following circumstances:
Consent: the individual has given clear consent for you to process their personal data for a
specific purpose.
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).
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.)
We will process your personal information for the following reasons:
We will only use your personal data when the law allows us to. Most commonly, we will use your
personal data in the following circumstances:
Consent: the individual has given clear consent for you to process their personal data for a
specific purpose.
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).
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.)
We will process your personal information for the following reasons:
To find the best source of finance based on your circumstances.
To undertake credit checks for the purposes of finding the most suitable finance product.
To confirm your affordability for the financial requirement we are seeking finance for.
To comply with anti-money laundering and know your client requirements; and
To meet our regulatory responsibilities.
Why might we share your information with third parties?
Why might we share your information with third parties?
We will share your personal information with Moorgate Finance Ltd T/A MBN® and other third
parties where required by law, where it is necessary to administer the contractual relationship
with you or where we have another legitimate interest in doing so.
Moorgate Finance Ltd privacy policy can be found here.
We will share your personal information with Moorgate Finance Ltd T/A MBN® and other third
parties where required by law, where it is necessary to administer the contractual relationship
with you or where we have another legitimate interest in doing so.
Moorgate Finance Ltd privacy policy can be found here.
Consent to Credit Search
Consent to Credit Search
To process your application, lenders/funders will need to perform credit and identity checks on
you with one or more credit reference agencies (CRAs).
They may also make periodic searches at CRAs to manage your account with them.
To do this, we will supply your personal information to the funders we present your application to.
They will supply your personal information to CRAs who will give them information about you. This
will include information from your credit application and about your financial situation and
financial history. CRAs will supply to them both public (including the electoral register) and
shared credit, financial situation and financial history information and fraud prevention
information.
They will use this information to:
To process your application, lenders/funders will need to perform credit and identity checks on
you with one or more credit reference agencies (CRAs).
They may also make periodic searches at CRAs to manage your account with them.
To do this, we will supply your personal information to the funders we present your application to.
They will supply your personal information to CRAs who will give them information about you. This
will include information from your credit application and about your financial situation and
financial history. CRAs will supply to them both public (including the electoral register) and
shared credit, financial situation and financial history information and fraud prevention
information.
They will use this information to:
Assess your creditworthiness and whether you, your financial associate(s), or your
business 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.
They will continue to exchange information about you with CRAs while you have a relationship
with them. They will also inform the CRAs about your settled accounts. If you borrow and do not
repay in full and on time, CRAs will record the outstanding debt. This information may be supplied
to other organisations by CRAs.
When CRAs receive a search from the funder 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 financial associate or business
partner, 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.
CRAs 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 CRAs to break
that link.
The identities of the CRAs, 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 CRAs are explained in more detail at any of these three links:
Callcredit www.callcredit.co.uk
Equifax www.equifax.co.uk
Experian www.experian.co.uk
They will continue to exchange information about you with CRAs while you have a relationship
with them. They will also inform the CRAs about your settled accounts. If you borrow and do not
repay in full and on time, CRAs will record the outstanding debt. This information may be supplied
to other organisations by CRAs.
When CRAs receive a search from the funder 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 financial associate or business
partner, 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.
CRAs 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 CRAs to break
that link.
The identities of the CRAs, 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 CRAs are explained in more detail at any of these three links:
Callcredit www.callcredit.co.uk
Equifax www.equifax.co.uk
Experian www.experian.co.uk
How long we keep your information?
How long we keep your information?
We will only retain your personal information for as long as necessary to fulfil the purposes we
collected it for, including for the purposes of satisfying any legal, accounting, or reporting
requirements.
International transfers
We do not transfer your personal data outside the European Economic Area (EEA).
We will only retain your personal information for as long as necessary to fulfil the purposes we
collected it for, including for the purposes of satisfying any legal, accounting, or reporting
requirements.
International transfers
We do not transfer your personal data outside the European Economic Area (EEA).
What are your rights?
What are your rights?
Under certain circumstances, by law you have the right to:
Request access to your personal information (commonly known as a "data subject access
request"). This enables you to receive a copy of the personal information we hold about you and
to check that we are lawfully processing it;
Request correction of the personal information that we hold about you. This enables you to have
any incomplete or inaccurate information we hold about you corrected;
Request erasure of your personal information. This enables you to ask us to delete or remove
personal information where there is no good reason for us continuing to process it. You also have
the right to ask us to delete or remove your personal information where you have exercised your
right to object to processing (see below);
Object to processing of your personal information where we are relying on a legitimate interest
(or those of a third party) and there is something about your situation which makes you want to
object to processing on this ground. You also have the right to object where we are processing
your personal information for direct marketing purposes;
Request the restriction of processing of your personal information. This enables you to ask us to
suspend the processing of personal information about you, for example if you want us to
establish its accuracy or the reason for processing it;
Request the transfer of your personal information to another party.
Withdraw consent: In the limited circumstances where you may have provided your consent to
the collection, processing and transfer of your personal information for a specific purpose, you
have the right to withdraw your consent for that specific processing at any time. To withdraw your
consent, please contact enquiries@hmrcloans.co.uk. Once we have received notification that you
have withdrawn your consent, we will no longer process your information for the purpose or
purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
If you want to review, verify, correct or request erasure of your personal information, object to the
processing of your personal data, or request that we transfer a copy of your personal information
to another party, please contact enquiries@hmrcloans.co.uk.
You will not have to pay a fee to access your personal information (or to exercise any of the other
rights). However, we may charge a reasonable fee if your request for access is clearly unfounded
or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
We may need to request specific information from you to help us confirm your identity and ensure
your right to access the information (or to exercise any of your other rights). This is another
appropriate security measure to ensure that personal information is not disclosed to any person
who has no right to receive it.
Under certain circumstances, by law you have the right to:
Request access to your personal information (commonly known as a "data subject access
request"). This enables you to receive a copy of the personal information we hold about you and
to check that we are lawfully processing it;
Request correction of the personal information that we hold about you. This enables you to have
any incomplete or inaccurate information we hold about you corrected;
Request erasure of your personal information. This enables you to ask us to delete or remove
personal information where there is no good reason for us continuing to process it. You also have
the right to ask us to delete or remove your personal information where you have exercised your
right to object to processing (see below);
Object to processing of your personal information where we are relying on a legitimate interest
(or those of a third party) and there is something about your situation which makes you want to
object to processing on this ground. You also have the right to object where we are processing
your personal information for direct marketing purposes;
Request the restriction of processing of your personal information. This enables you to ask us to
suspend the processing of personal information about you, for example if you want us to
establish its accuracy or the reason for processing it;
Request the transfer of your personal information to another party.
Withdraw consent: In the limited circumstances where you may have provided your consent to
the collection, processing and transfer of your personal information for a specific purpose, you
have the right to withdraw your consent for that specific processing at any time. To withdraw your
consent, please contact enquiries@hmrcloans.co.uk. Once we have received notification that you
have withdrawn your consent, we will no longer process your information for the purpose or
purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
If you want to review, verify, correct or request erasure of your personal information, object to the
processing of your personal data, or request that we transfer a copy of your personal information
to another party, please contact enquiries@hmrcloans.co.uk.
You will not have to pay a fee to access your personal information (or to exercise any of the other
rights). However, we may charge a reasonable fee if your request for access is clearly unfounded
or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
We may need to request specific information from you to help us confirm your identity and ensure
your right to access the information (or to exercise any of your other rights). This is another
appropriate security measure to ensure that personal information is not disclosed to any person
who has no right to receive it.
Automated Processing / Automated Decision-Making
Automated Processing / Automated Decision-Making
Automated decision-making takes place when an electronic system uses personal information
to decide without human intervention. We are allowed to use automated decision-making in the
following circumstances:
Automated decision-making takes place when an electronic system uses personal information
to decide without human intervention. We are allowed to use automated decision-making in the
following circumstances:
Automated decision-making takes place when an electronic system uses personal information
to decide without human intervention. We are allowed to use automated decision-making in the
following circumstances:
Automated decision-making takes place when an electronic system uses personal information
to decide without human intervention. We are allowed to use automated decision-making in the
following circumstances:
Where it is necessary to perform the contract with you and appropriate measures are in
place to safeguard your rights; or
In limited circumstances, with your explicit written consent and where appropriate
measures are in place to safeguard your rights.
If we make an automated decision on the basis of any particularly sensitive personal information,
we must have either your explicit written consent or it must be justified in the public interest, and
we must also put in place appropriate measures to safeguard your rights.
Many of our funders use auto scoring technology to underwrite deals. You will not be subject to
decisions that will have a significant impact on you based solely on automated decision-making,
unless we have a lawful basis for doing so and we have notified you.
If we make an automated decision on the basis of any particularly sensitive personal information,
we must have either your explicit written consent or it must be justified in the public interest, and
we must also put in place appropriate measures to safeguard your rights.
Many of our funders use auto scoring technology to underwrite deals. You will not be subject to
decisions that will have a significant impact on you based solely on automated decision-making,
unless we have a lawful basis for doing so and we have notified you.
Automated Processing / Automated Decision-Making
Automated Processing / Automated Decision-Making
Irrespective of any other administrative or judicial solutions at your disposal, you reserve the right to file a grievance with the UK’s Information Commissioner if you believe we have breached relevant data privacy legislation in the handling of your personal data.
In the UK, you can reach out to the Information Commissioner’s Office through this link: https://ico.org.uk/ and provide our ICO registration number ZB823508.
Irrespective of any other administrative or judicial solutions at your disposal, you reserve the right to file a grievance with the UK’s Information Commissioner if you believe we have breached relevant data privacy legislation in the handling of your personal data.
In the UK, you can reach out to the Information Commissioner’s Office through this link: https://ico.org.uk/ and provide our ICO registration number ZB823508.
Contact/address details
Contact/address details
If you have any questions about this Policy, please contact us at enquiries@hmrcloans.co.uk.
If you have any questions about this Policy, please contact us at enquiries@hmrcloans.co.uk.
Business & Tax Loans Limited T/A HMRC Loans, 124 City Road, London EC1V 2NX is an Appointed Representative of Moorgate Finance Limited T/A MBN®️, which is Authorised and Regulated by the Financial Conduct Authority, firm reference number 662419. Our firm reference number is 1023843.
Business & Tax Loans Limited T/A HMRC Loans is a credit broker and not a lender. Your company name will receive a commission payment from a lender when we arrange your finance.
Location and Contact Information
2024 All Rights Reserved HMRC LOANS
Business & Tax Loans Limited T/A HMRC Loans, 124 City Road, London EC1V 2NX is an Appointed Representative of Moorgate Finance Limited T/A MBN®️, which is Authorised and Regulated by the Financial Conduct Authority, firm reference number 662419. Our firm reference number is 1023843.
Business & Tax Loans Limited T/A HMRC Loans is a credit broker and not a lender. Your company name will receive a commission payment from a lender when we arrange your finance.
Location and Contact Information
2024 All Rights Reserved HMRC LOANS
Business & Tax Loans Limited T/A HMRC Loans, 124 City Road, London EC1V 2NX is an Appointed Representative of Moorgate Finance Limited T/A MBN®️, which is Authorised and Regulated by the Financial Conduct Authority, firm reference number 662419. Our firm reference number is 1023843.
Business & Tax Loans Limited T/A HMRC Loans is a credit broker and not a lender. Your company name will receive a commission payment from a lender when we arrange your finance.
Location and Contact Information
2024 All Rights Reserved HMRC LOANS
Business & Tax Loans Limited T/A HMRC Loans, 124 City Road, London EC1V 2NX is an Appointed Representative of Moorgate Finance Limited T/A MBN®️, which is Authorised and Regulated by the Financial Conduct Authority, firm reference number 662419. Our firm reference number is 1023843.
Business & Tax Loans Limited T/A HMRC Loans is a credit broker and not a lender. Your company name will receive a commission payment from a lender when we arrange your finance.
Location and Contact Information
2024 All Rights Reserved HMRC LOANS