Credit Broking Services
This document sets out how we will deal with you in the provision of services for Credit Broking.
AUTHORISATION
Radar Finance & Leasing Limited is authorised and regulated by the Financial Conduct Authority (FCA). The Financial Conduct Authority (FCA) regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
OUR SERVICES
The firm will be acting as a Credit Broker on your behalf and is not a Lender.
We will at all times act in your best interests, we will source loans from the market that are suitable to the requirements you disclose to us. When the preferred option has been agreed, we will provide you with information about the loan and the provider of this to ensure you understand your responsibilities and commitments before proceeding.
SCOPE OF SERVICE
Radar Finance & Leasing Limited works with a panel of lenders which represent a fair analysis of the relevant market. Please ask for details of the panel of lenders we use if you require this information.
OUR CHARGES
We will not charge you any fee for this service as we will receive payment by way of a commission or a fee direct from the lender.
DATA PROTECTION
When we provide services to you we will need to gather information about your personal circumstances. The information you provide to us will be subject to the Data Protection Act 1998 (the “Act”). By signing this document, you consent to us or any company associated with us processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.
“Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, lenders or statutory, governmental or regulatory bodies for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.
In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case we will take reasonable steps to ensure the privacy of your information.
We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.
The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.
If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on tel. 01335 361402 or in writing to Radar Finance & Leasing Ltd, Main Rd, Brailsford, Derbyshire. DE6 3BR
You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.
Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.
COMPLAINTS
Our aim is to provide you with a professional and confidential service that delivers the highest possible standards. However, there may be occasions where you feel this has not been achieved and should you wish to make a complaint about any aspect of the service we provide to you, you can do this by writing to The Directors or by telephoning us on 01335 361402 where we will try to resolve your concern at the earliest time possible.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.
YOUR CONSENT
We intend to rely on this document for the services we provide to you and request that you provide your agreement to the Charges and Data Protection sections above. For your own benefit and protection, you should read these terms carefully before signing them. If you do not understand any point please ask for further information.
Name:……………………………………………………
Signature:……………………………………………………
Date of issue:……………………………………………………
Privacy Notice & Initial Disclosure Document
Radar Finance & Leasing Ltd, Saracens Head Buildings, Main Rd, Brailsford, Derby’s, DE6 3DA
Authorised and Regulated by the Financial Conduct Authority. FRN number 675719
Registered in England and Wales, Company Reg.no. 5256561.
Data Protection No – Z8828275
We are a credit broker not a lender.
Radar Finance & Leasing Ltd, Saracens Head Buildings, Main Rd, Brailsford, Derby’s, DE6 3DA
Authorised and Regulated by the Financial Conduct Authority. FRN number 675719
Registered in England and Wales, Company Reg.no. 5256561.
Data Protection No – Z8828275
We are a credit broker not a lender.