Any reference to “we” or “us” means Garg Financial Limited (company number 10318709) which have their registered office at 43 Longwood Gardens,Ilford, Essex IG5 0EB .

We observe the highest standards of practice in all our activities and treat all the personal information we collect in strict compliance with the Data Protection Act 1998 and EU General Data Protection Regulation 2018 (“GDPR”). We will treat all your personal information as private and confidential. None of the personal information you disclose to us will be disclosed to anyone other than in exceptional circumstances, as permitted by law or as described below.

This policy sets out how we will process any personal data we collect from you, or that you provide to us. Please read the following carefully to understand our practices regarding your personal data and how we will treat it.

For the purpose of the Data Protection Act 1998 and EU General Data Protection Regulation 2018 (“GDPR”) Garg Financial Limited is data controller.

HOW WE WILL COLLECT YOUR INFORMATION

We collect information about you in a number of ways:

  1. information you provide to us through our website (www.gargfinancial.co.uk)
  2. information you provide through communications with us; and

In addition to the personal and financial information you submit (or we collect), we may collect information about your computer. For details on the information collected in this way please see our cookies policy

In accordance with the Data Protection Act 1998,EU General Data Protection Regulation 2018 (“GDPR”).  personal information will not be kept longer than is reasonably necessary.

HOW WE WILL USE YOUR INFORMATION

We may use information held about you in the following ways:

  • to provide you with information, products or services that you request from us or which we feel may interest you and where you have agreed to be contacted for such purposes;
  • prevent money laundering and fraud;
  • to notify you about changes to our products and service and to carry out our obligations arising from any contracts entered into between you and us;
  • We may use information to inform you of other products and services that might be of interest to you, but we will only do this where you have provided your consent.
  • We are committed to only sending you marketing communications that you would like to receive. If you wish to unsubscribe from emails sent by us, you may do so at any time by clicking on the ‘unsubscribe’ link that appears in all emails. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to Marketing Department at 88 Highstreet, Barkingside, Essex IG6 2DR. or emailing us at [email protected] .
  • However, please note, if you opt out of receiving marketing emails we will continue to send you service related (non-marketing) communications, such as payment reminders.
  • To process any payments we may need to make to you.
  • We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.
  • If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes please contact the Marketing Department at 88 Highstreet, Barkingside, Essex IG6 2DR.

WE MAY DISCLOSE YOUR INFORMATION TO THIRD PARTIES

Whilst working with you, we may need to disclose your personal information to third parties. If you are not happy for us to do this, please contact us. Times when we may disclose your personal information to a third party include:

  • for fraud or money laundering prevention purposes;
  • where you have confirmed to us that you are happy for us to do so.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction (please find further information on this set out under the section entitled “Fraud and Money Laundering” below);
  • when we engage third party suppliers to host and manage our site and as such they will require access to your personal data;
  • when we engage payment management companies to assist us with processing any payments due from us to you and they will require some of your personal data in order to do so; and
  • in the event that we sell or buy any of our business or assets, in which case we may disclose your personal data to the prospective seller or buyer.

We may give information about you, any proposed facility, live facility and your performance under any agreements with us to:

  • any proposed guarantor or indemnifier of your obligations to us – so they can decide whether to proceed; and
  • any banker, adviser or payment management company acting on our or your behalf so they can carry out their services to us or you.

Below are details of those credit reference agency, fraud prevention agencies and other third parties referred to above from whom we may obtain information about you:

Callcredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414 or visit: www.callcredit.co.uk

Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0870 241 6212 or visit: www.experian.co.uk

Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or visit: www.myequifax.co.uk

CIFAS 6th Floor, Lynton House 7-12 Tavistock Square, London, WC1H 9LT

www.cifas.org.uk

GB GROUP PLC The Foundation Herons Way Chester Business Park Chester CH4 9GB

01244 657333

Au10tix www.au10tix.com

Fraud and Money Laundering

If false or inaccurate information is provided or another form of fraud is identified, details including the names of the Company Directors at the time of the fraud, will be passed to fraud prevention agencies.

Law enforcement agencies may also access and use this information.

We and other organisations may also access and use your information to prevent fraud and money laundering, for example, when:

  • checking details on applications for credit and credit related accounts or other facilities;
  • managing credit and credit related accounts or facilities;
  • recovering debt;
  • checking details on proposals and claims for all types of insurance; or
  • checking details of job applicants and employees.

We and other organisations may also access and use information from other countries recorded by fraud prevention agencies.

How Information About You Will Be Used

When considering your application we will use the information we obtain from you or others in deciding whether to enter into any agreement with you or continue with it.

We will decide whether and upon what terms to enter into an agreement with you.

We will also use your information for training purposes, credit or financial assessment, market and product analysis and preparing statistics.

It will also be necessary for us to use some of the information you provide us with to process payments due to you.

What Searches We Will Conduct

Information may be requested from a credit reference agency search and fraud prevention agency search. Our searches will be added to your record and will be seen by other organisations that make searches with those agencies.

We will also check your identity with our credit reference agency, unless you furnish us with other satisfactory proof of identity.

We and other organisations may use and search your record at our credit reference agency and fraud prevention agency to check details about:

  • credit and credit related services or other facilities;
  • you and members of your household;
  • trace debtors;
  • recover debt;
  • prevent money laundering and fraud;
  • manage your accounts or insurance policies; and
  • check details of job applicants and employees.

ACCESS TO YOUR INFORMATION – SUBJECT ACCESS REQUESTS

Under the Data Protection Act 1998, you have a right to access certain personal records we hold about you. This is called a Data Subject Access Requests. You can make a request by writing to us, Garg Financial, 88 Highstreet, Barkingside, Essex IG6 2DR.

We want to make sure that your information is accurate and up to date. You may ask us to correct or remove any information that you think is inaccurate.

You also have a right to request credit reference agencies to provide you with information that they hold about you. You must contact them directly to do this. A fee may be payable.

From time to time we may contact you by letter, phone, fax or e-mail to keep you informed about services and products which we consider may be of interest to you or to carry out market research about our products and services or those of third parties.

If you do not wish to receive such information then please let us know by writing to us at 88 Highstreet, Barkingside, Essex IG6 2DR.

We will take all reasonable steps to safeguard the security and confidentiality of any information you provide to us. We cannot however guarantee the security of any information you disclose on-line. You accept the inherent security implications of providing information over the internet and will not hold us responsible for any breach of security or disclosure of information unless we have been proved to be negligent.

CHANGES TO OUR PRIVACY POLICY

Our privacy policy is regularly reviewed to make sure that we continue to best serve your privacy interests. We reserve the right to change this policy at any time and we encourage you to periodically review this page for the latest information on our privacy practices. By continuing to access or use our site you will be agreeing to any such changes.