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 Privacy Policy 

Your information will be controlled and processed by Cadzow Marketing Limited.(LTD)  You can contact us with any questions, comments or requests you may have regarding this privacy policy using the details below:  
Director (Rashida Zafar)
Cadzow Marketing LTD
11 Eleftherias Avenue
Konis Building
Derynia
Cyprus
5380  Phone:0161 381 0181
Email: derek@cdzmarketing.com  
  If you are unhappy with how we have used your personal information, you can contact us using the details above and we will investigate and provide a response to you. If you are still unhappy with the outcome of the complaint, you have the right to complain to the Information Commissioner’s Office, you can report a complaint here.  This privacy notice is to explain how the Company promises to protect and use your personal information. This includes anything you may have told us yourself, what we may learn during the course of your contracts with us, what we learn about you from other parties, and your marketing preferences. This privacy notice also outlines your rights and how the law affects you.    We will:  Keep your data safe and secure.  Allow you to manage your marketing preferences with us.   Information we may collect from you  During the course of our relationship with you, we may need to collect and process data about you. The types of data that we will require will fall broadly into one of the categories below:       Type of Personal Information    Description      Contact    Name, telephone, address, email address and how to contact you      Financial    Bank details, credit information, personal financial status relating to all directors and proprietors      Public    Details from the electoral register, companies house, and other information publicly available about you or your business      Special    Criminal records data - this is only stored for Insurance customers currently, please see how your data is used section for further details on this      Permission    Permissions you have granted us to use your data, primarily for marketing purposes      Documentation    Data stored in documents you have sent us, such as bank statements and proof of address where required.      Technical Data    The types of equipment and software, IP addresses, geographical location, operating system and browser type you use to access our online services where available.      Analytics    Data that tells us how you have navigated across our website, selected certain preferences on our website, what number you called us on, how long you called us for and the reason for the call etc.      Product Specific    Details about the products you have taken, what you are interested in, whether we've discussed certain products with you previously.     We will collect this data during the course of business by one of the following methods:  When you fill out forms on our site or our partner’s sites that we provide services for us. (our website is as follows www.rapidbusinessloan.co.uk partner websites will inform you if they will pass your information to us)  When we talk with each other by telephone, including recorded calls and notes we make  When we communicate with each other by email  When we communicate with each other by instant messaging  When you visit our site and navigate around the web pages  From completed surveys we send you from time to time  From subscribing to our newsletters, white papers or other such communications  From your interaction with our social media accounts   In the cases where we are in the course of arranging a contract for you, or have arranged a contract for you in the past, we will also receive data about you via the following methods:  Details about energy claims from you.  Details about your energy supply from your energy supplier(s) in order to claim.  Details about your current and past financial services products from your financial service provider(s)    Credit reference agencies (eg. Experian and Equifax) where required to arrange certain contracts with certain suppliers.   
  Fraud prevention agencies  Publicly held information from Companies House or the Electoral Register  Companies that introduce you to us  Companies that provide data services that will enable us to gather information about your business.   How we use your information and why  We are required to ensure that we are processing data under one of the following legal bases:  In order to fulfil a contractual requirement with you  We have a legitimate interest in processing your data, given due regard to your interests, rights and freedoms  You have provided us with consent to process your data  We are required to fulfil a legal obligation  We are required to process your data in order to protect yours or another person’s vital interests  Processing is necessary for the performance of a task in the public interest   Our primary purpose for using your data is to help you obtain commercial finance and process a claim for mis sold business  services, so using that as an example, we will process your data in order to fulfil our contract we have agreed with you.  Below is a list of how we process personal data, why we do so and the legal basis under which we are operating:        How we use your personal information    Why    Legal basis for processing      To agree a commercial loan on your behalf with a financial services provider, or broker. To search our panel of lenders in order to obtain the best quotes available to you.    We will have agreed a contract between us to achieve this on your behalf.    Contractual      To validate your data against other sources and ensure your information is accurate    To maximise the chances of your agreement going live with the lender/broker.    Legitimate Interests      To improve our services and provide you with better products    Allows us to develop better processes, making it easier for you to access and use our services    Legitimate Interests      To research market trends, customer demographics etc.    Allows us to develop profiles of our customers base, develop better processes, making it easier for you to access and use our services    Legitimate Interests      To communicate with you about your contracts and agreements we have arranged    To ensure that you are aware of key dates and requirements of the contracts we have agreed on your behalf with our panel of lenders.    Contractual      Contacting you about topping up loans already arranged we have arranged.    To ensure that you get the the best offer available from your current lender and all others available.    Contractual and legitimate interests*      To send promotional material to you    To provide you with details of our services that we believe could be of interest to you.    Consent      To send market research/customer sentiment surveys to you    Help us develop and improve our services    Legitimate Interests      To perform fraud checks    To ensure that we haven’t sold a product to someone who may be using fraudulent details.    Legal obligation      To perform credit searches    To detect any financial problems customers may have, detect fraud, manage risk and ensure that customers are given the best products to suit their needs    Contractual, Legal Obligation, Legitimate Interests*      To manage fees and recover money that is owed to us    To ensure any commission we are due from  lenders, or fees due from customers are paid in full    Contractual, Legal Obligation, Legitimate Interests*      To test our systems, ensure our business is running efficiently, managing communications, our financial reconciliation is performed, audit processes, filing obligations to regulators    We have numerous obligations that businesses we need to comply with to ensure that we are running our business in a correct and compliant manner, from tax legislation, regulatory and legal requirements and annual filling obligations.    Contractual, Legal Obligation, Legitimate Interests*      To train our staff and ensure that compliance and quality are monitored within the company    All calls into and out of the business are recorded. We use these calls to monitor the quality of our service and ensure that we are hitting regulatory and legal standards during our sales and customer service process.      Contractual, Legal Obligation, Legitimate Interests*      To identify your business from partial information you have provided online    Our online application forms gather information about your business, where a customer has only partially completed the form, we will validate the partial information and may contact you using that information.    Legitimate Interests      To provide third parties with information about you    If you have been introduced to us by a third party, we are required to report back to that third party if you have taken an agreement out through us, additionally we may use third party companies in the course of arranging a contract for you, please see who we share your information with section for further details.    Contractual     *Each process will only operate under one of these legal bases, these are provided to show under what legal bases the various processes we have in our company could be operating under.  Who do we share your information with  When you use our services, agree a contract with a lender or talk to us about services we offer we may share your information with the third parties . If you would like to know who your information has been shared with in the course of arranging your contracts, then you can request this information at any time.  
  
  Financial Services Providers  When arranging a loan or other financial services product, we may provide data to lenders, banking institutions or intermediaries and offer loans for business purposes in order to provide you with offers of products suitable to meet your requirements and ultimately to arrange a business loan for you.  
  
  
  General Business  Outside companies we may use in order to develop our products, provide analysis, improve our services to customers, or give advice to us. These could include:  Market researchers.
These firms may get in touch with you on our behalf to ask you for your opinions and feedback. These firms may then use the information you provide them and cross-reference that data with other sources they may have in order to build a picture of our customers and how they use our products. They will then provide us with analysis and advice so we improve our products and services and help us to be better at serving you.  Advisers.
This could be our solicitors, IT suppliers, consultancies. They are likely to provide us advice, and in order to give us the best advice may well require access to personal information.  Advertisers and analytics providers.
These firms, such as Google, Facebook or Twitter, may be given limited information about you if you consent, in order to display targeted relevant messages to you and others about our services.   Other Third Parties  In order to provide our services, we use the services of other third-party companies in order to maximise the probability of your contract going live, or because we have a legal requirement to adhere to eg. sanctions searches and anti-money laundering legislation.  All third parties are strictly forbidden from using your data for any purpose other than those disclosed above, all third parties are rigorously checked out before sharing information with them and are held to the highest standards once they are working for us.  A list of the largest of these third parties is below, with a brief description of the purpose for sending them your information. If you would like to know who we have passed your information to in the course of arranging your contracts, then you can request this information at any time.    
  Experian – verification of contact and credit searching for energy contracts  CreditSafe – verification of contact and credit searching for finance contracts  Adobe Sign – software used to sign e-contracts for the agreements we arrange     Some of these third parties are not based in the UK or EU, where that is the case we have put in place contracts that ensure they protect your data to the same standards as the UK and EU.  How long we keep your information  We will keep your personal information for as long as you are a customer of the company.  As your contract ends and you no longer wish to use the company services, we may be required to keep your data for up to 10 years after you stop being a customer. During that time we could use your data for the following processes:  To respond to a question or a complaint  To prove that we have arranged valid agreements with our lenders  To analyse historical trends, perform internal research or develop our products and services  To obey tax or anti-money laundering rules around record keeping  To keep insurance data for employer’s liability claims   We commit to keeping your data safe and secure during this period and will ensure your privacy is protected.  Your Legal Rights  Under the Data Protection Act 2018 you have the following rights, this section explains what they are and how they work:  The right to be informed
We will always explain to you how we are going to use your personal information when you take a contract with us, this could be as part of your application process, or asking how you would like to be marketed to, but will also be set out in the terms and conditions of your agreements with us and within this privacy policy.  The right of access
You are entitled to request the personal information we hold on you and how we have processed that information. You can do this simply by contacting us via email, letter or phone and we will respond within 30 days.  Additionally you have the right to certain information in a digital format for your own personal use. Please let us know that you would like this option at the point of requesting your personal information.  The right to rectification
If you believe that any of the personal information we hold is incorrect or out of date, please contact us and we will correct it for you  The right to request we stop processing your information, object to us holding it or delete your information completely
You can ask us to delete, remove or stop using your personal information if there is no reason that we should be holding it or processing it. As stated above, there may be a contractual agreement in place, or we have a legal obligation to process or store your data, and in these circumstances we will explain whether we can delete your data or stop processing it, this will not be on all occasions.  Broadly speaking, where we have asked for your consent to process your data eg. Sending marketing emails, you can withdraw your consent at any time to that sort of processing; or where we are acting under legitimate interests, you will be able to request we stop that processing.  We will review any request under these rights and provide you with an answer either agreeing to your request, or explaining why we can’t.   
  Cookie Policy  The company uses cookies and other similar technologies in the operation of this website.  A cookie is a piece of information that a website puts on your computer so it can remember something about you or your device at a later date. We use cookies to distinguish you from other users of our website (including when you browse other third party websites). This helps us to provide you with a good experience when you browse this website. We also use cookies and similar technologies to show you more personalised advertising, including adverts on other websites. By using our website, you agree to our use of cookies. This policy explains what cookies, including third party cookies, we use on our website, and how you can refuse or withdraw your consent to cookies. You can find more information about cookies at www.allaboutcookies.org and www.youronlinechoices.eu.  On-Site Banner Advertisements  Through our advertising platform we allow other third party advertising agencies and networks to serve advertising using cookies to our website. 

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