Who are we?
We are Bowland Finance Limited (Company Registration Number: 12324302, FCA Firm Registration Number: 920692) and can be contacted on the below contact details:
Telephone: 01524 938743
Address: PO Box 157, Milnthorpe, LA5 5BT
Why do we collect and use your personal information?
We collect and use your personal information, such as your full name, address details, contact details and financial details to process your application for one of our finance products.
We use your personal information to send marketing communications to you about similar products and services that may be of interest to you. We will send our marketing communications to you by email. It is to be noted that you can object to your personal information being used by us to send you marketing information. Each marketing email will also include an unsubscribe link to enable you to opt-out of receiving future marketing communications.
Who will we share your personal information with?
We will only share your personal information with credit reference agencies to show your repayment history.
We may share your personal information with authorised third parties where we are required to do so by law. For example, with the FCA or HMRC.
We may disclose your personal information to third party professional service providers such as auditors and accountants who we may engage to assist us with our legal and regulatory compliance. We will ensure that your personal information is protected by obtaining a written undertaking by the third parties that they will keep your personal information secure.
How long will we store your personal information?
We will store your personal information for up to six years after you repay your credit agreement in full or we complete providing a service to you, if you do not enter a credit agreement or engage any of our other services, we will store your personal information for six years from the point of last engagement with you. This is to enable us to refer to our records in the unlikely event that you want to lodge a complaint against us within six years.
If you do not exercise your right to object to marketing or unsubscribe to our marketing emails, we will store your personal information for marketing purposes until you exercise your right to object or unsubscribe.
What are your rights in relation to your personal information?
Right to access
You have the right to request copies of the personal information we hold about you at any time.
Right to rectification
You have the right to request that we correct any inaccurate personal information we hold about you.
Right to erasure
You have the right to request that we delete your personal information from our records.
Please note that we will not be able to delete your personal information whilst we are still providing our services to you. We will be able to delete your personal information once you cancel the service or once the service is completed.
Right to restrict processing
You have the right to request that we restrict how we use your personal information.
Right to object
You have the right to object to the collection and use of your personal information at any time.
Right to data portability
You have the right to obtain a copy of your personal information in a legible and compatible format such as Excel or Word.
How can I exercise my rights in relation to my personal information?
You can exercise all your rights by contacting us on any of the above contact details.
How do I lodge a complaint about the use of my personal information?
You can lodge a complaint with us directly by contacting us on one of the above contact details.
You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO). The ICO are the regulator who makes sure that we use your personal information in a lawful way.
You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns/ or calling the ICO on 0303 123 1113.