We are Sapphire Lending Ltd (referred to as “we” or “us” or “our” or “Sapphire Lending”)).
Sapphire Lending is authorised and regulated by the Financial Conduct Authority (“FCA”) under reference number 718266.
We are a private Ltd company and our registered company number is 9340822.
Sapphire Lending is committed to protecting and respecting your privacy. This policy sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. For the purposes of the Data Protection Laws.
We are the data controller of any personal data you provide to us and are subject to any applicable data protection laws.
We are registered with the Information Commissioner’s Office (registration number: ZA270206).
SapphireLending.com, is Sapphire Lending’s public website.
-All visitors to our website
-Our clients and prospective clients
Sapphire Lending’s Privacy Principles
-Sapphire Lending is committed to safeguarding the privacy and security of your information
-We will only collect and use your information where we have lawful legitimate business reasons to do so
-We will not ask for more information than we need for the purposes for which we are collecting it
-We will update our records when you inform us that your details have changed
-We have implemented and adhere to information retention policies relating to your information
-We will ensure that your information is securely disposed of at the end of the appropriate retention period
-We observe the rights granted to you under applicable privacy and data protection laws
-We will ensure that queries relating to privacy issues are promptly and courteously dealt with
-Our staff are trained on their privacy obligations
-We will ensure there are appropriate measures in place to protect your information regardless of where it’s held
What information do we collect from Website users?
1. You can browse our website as a guest without giving us any information, and we won’t know who you are. However, even if you are a guest, please bear in mind that we may:
-record the areas of our website which you visit and at what times
-record information about your activities in using our website
-collect information about your computer, such as which browser you are using, your network location, your operating system, your IP address and the type of connection you are using (e.g. broadband, ADSL etc.)
2. We collect the information above by using cookies. Please see our Cookies Policy which explains what cookies we use on our website, why we use them and how you can control them.
3. We store data that you submit to us via email or from our website.
What information do we collect from people applying for Sapphire Lending products?
The types of information we may request from you are:
-contact information – including your name, address, postcode and other contact –information such as email address and telephone/mobile number
-your marital status and the number of dependents you have
-your residential status and address history
-your employer, employment and salary details
-the bank or building society account details
Information from other sources
- We will check information about you held on our own records and may also obtain information from credit reference agencies and other third parties about you and your financial personal credit behaviour and personal credit accounts.
- We may also search at fraud prevention agencies for information on you and your financial associates and business partners.
Information collected when you apply for a job
- In completing our job application form or submitting your CV to us by email, you will give us personal information about yourself.
- We will use your personal data only for the purpose of assessing your suitability for employment by us and in any subsequent interviewing process. Copies of the information you submit, and any further correspondence will be retained in order to progress your job application and as a record of our employment and fair access processes.
- When you apply for a job with Sapphire Lending you will submit your CV to us by email. Your application will only be processed by our HR team based in the UK. The information you provide to us as a jobseeker is supplied in strict confidence and your personal information will be input onto a computer database for internal recruitment purposes only. Only employees of Sapphire Lending who are part of the recruitment and selection processes, or IT support contractors engaged by us, will have access to your information.
- We may store and record any telephone calls you have with Sapphire Lending staff for record keeping and quality control purposes.
- We take all reasonable steps to retain personal information only for as long as we need to process your job application. We may also retain your details after a decision has been reached regarding your suitability for current jobs for vacancies that may become available in the future, or in accordance with our legal obligations.
What do we do with the information we collect?
We store and use this information to:
-identify and provide details of the products and services which you may be interested in
-deliver to you any administrative notices, alerts and communications relevant to your use of the services
-contact you from time to time to inform you about new features, to troubleshoot problems, and to help protect you against fraud or other criminal activity
-carry out financial and identity checks, fraud prevention checks, regulatory checks and credit checks, including by using scoring methods
-check details on applications for credit and credit related and other facilities
update the records we hold about you from time to time
-(in respect of borrowers) if you do not repay money you have borrowed, to trace –your whereabouts and recover debts or enforce a loan agreement
for customer service, including answering questions and responding to feedback and complaints
2. We may also use your data, in anonymised and aggregated form only, to carry out analysis and compile financial reports.
Who do we share your information with?
- We won’t provide your personal information to other companies for marketing purposes.
- We may share your personal information with companies and other third parties performing services on our behalf (for example credit reference agencies, customer relationship management providers or other service providers) who will only use the information to provide that service. We may also share your personal information with other members of our corporate group, or a purchaser or potential purchaser of our business.
- In some circumstances, we may have to disclose your personal information by law, because a court or the police or other law enforcement agency has legally asked us for it.
- In addition, we may disclose a borrower’s personal information to:
credit reference and fraud prevention agencies to perform similar checks, trace your whereabouts and recover debts you owe. This may include details of your debts, how you manage them and any amounts outstanding
debt collection agencies, security trustees and other legal representatives if required to enforce the terms of any loan agreement
- If false or inaccurate information is provided by you and fraud is identified, we will record this, and details will be passed to fraud prevention agencies. – Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
– checking details on applications for credit and credit related or other facilities
– managing credit and credit related accounts or facilities
– checking details on proposals and claims for all types of insurance
checking details of job applicants and employees
2. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Where we store your personal data
- The data that we collect from you will be stored within the European Economic Area (“EEA”) via our third-party providers.
Disclosing information about other individuals
- If you are a joint applicant, or if you have told us of some other financial association that you have with another person (for example financial associates), you must be sure that you are entitled to:
– disclose information about your joint applicant and anyone referred to by you
– authorise us to search, link or record information at the credit reference agencies about you and anyone referred to by you
- An association will be created by the credit reference agencies between joint applicants and between you and anyone you tell us is financially connected with you. This will link your financial records with that person and those records will be taken into account in all future applications either by you or both of you. This will continue until one of you successfully files a disassociation at the credit reference agencies, i.e. informing them that you are no longer connected financially with a particular individual.
Marketing and Communications
- We would like to provide you with information about our new products, services, promotions, special offers and other information which we think you may find interesting.
- If you have registered with us or have previously asked us for information on our products or services, provided you have given us your consent, we may send you information on our range of products and services by phone, email, SMS or other appropriate means.
- You have the right to object at any time to our processing of your personal information for direct marketing purposes and if you decide at any time that you no longer wish to receive marketing phone calls, emails or SMS from us, please contact us preferably by email
Access to your information and updating your information
- You have the right to access information which we hold about you. If you so request, we shall provide you with a copy of your personal information which we are processing. For any further copies which you may request, we may charge a reasonable fee based on administrative costs. Please contact us preferably by email
- You also have the right to receive your personal information in a structured and commonly used format so that it can be transferred to another data controller (“data portability”).
- We want to make sure that your personal information is accurate and up to date. If you think any information we have about you is incorrect or incomplete, please email us as soon as possible. We will correct, delete or update any information as soon as possible.
Right to object
- Where we process your information based on our legitimate interests, you also have the right to object, on grounds relating to your particular situation, at any time to processing of your personal information which is based on our legitimate interests. Where you object on this ground, we shall no longer process your personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms or for the establishment, exercise or defence of legal claims.
Your other rights
- You also have the following rights under data protection laws to request that we rectify your personal information which is inaccurate or incomplete.
- In certain circumstances, you have the right to:
request the erasure of your personal information erasure (‘right to be forgotten’)
– restrict the processing of your personal information to processing to which – you have given your consent or for the establishment, exercise or defence of – legal claims or for the protection of the rights of others
Exercising your rights
Where we have reasonable doubts concerning the identity of the person making the request, we may request additional information necessary to confirm your identity.
1. We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk.
Our website makes use of third-party solution providers either via direct sourcing of data or via use of third-party applications. Your use of those applications is subject to their own privacy policies, which may be amended from time to time. Our current third-party solution providers include but are not limited to:
- Once you have left our website, we cannot be responsible for the content of other websites or for the protection and privacy of any information which you provide on these websites. Please note that these websites have their own privacy policies and website terms and conditions. We do not accept any responsibility or liability for these policies. Please check their privacy policies and their website terms and conditions when you visit them and before you submit any personal data to these websites.
You have the right to complain to the Information Commissioner’s Office (https://ico.org.uk/) about our data processing activities (helpline on 0303 123 1113)