The Small Print
Terms and Conditions
Your loan
We work with a range of delivery partners and each has its own way of doing business. However, they are all offering the same core product: the Start Up Loan -
- Interest fixed at 3%+RPI (just 6% for the pilot);
- A capital repayment holiday of up to 12 months; and
- A term of up to 5 years.
Beyond that all we ask is that your business is registered in England and that you’re 18-30 years old.
Loans are to individuals and will be regulated under the Consumer Credit Act 1974. Your delivery partner will explain more.
The whole package
As well as our loans, we want young entrepreneurs to benefit from all the expertise, advice, training and support that our partners can offer.
When you sign up with us, you are agreeing for us to use the information you provide to direct you to the delivery partner we think will most be able to help you – either because of where you live, what your business will do or your personal circumstances at the time.
If you are successful in your application, our delivery partners will pass your personal details to selected global partners who will contact you to discuss how they might also be able to help your business.
Why do we work with as Global Partners?
Whether your loan is for £250 or £10,000, we know that getting on in business requires more than just cash in the bank. Our global partners have been identified because they provide core business services that you might need, from telephone call handling to access to specialist mentors. What you get is the opportunity to access those services for either a much reduced cost, or for free.
To make this work, we need to pass your data to our global partners so they can get in touch. However, we know there’s nothing worse than endless marketing calls. So we guarantee that you will be contacted by each partner a maximum of once. If you say no, that’s that.
Other uses for your data?
There is none. We will not share your personal data outside our partner organisations and where we do share it, we will make sure it is safe and secure.
START-UP LOANS COMPANY FRAUD POLICY
Background
This fraud policy is established to facilitate the development of controls which will aid in the detection and prevention of fraud against the Start-Up Loans company (The Company), or in relation to the Start-Up Loans scheme. It is the intent of the Company to promote consistent organisational behaviour by providing guidelines and assigning responsibility for the development of controls and conduct of investigations. It complies with the requirements of the Thefts Act 1968 & 1978 and the Fraud Act 2006.
Scope of Policy
This policy applies to any fraud, or suspected fraud, involving employees as well as shareholders, consultants, vendors, contractors, outside agencies doing business with employees of such approved Start-Up Loan delivery partners, and/or any other parties with a business relationship with the Company.
Any investigative activity required will be conducted without regard to the suspected wrongdoer’s length of service, position/title, or relationship to the Company.
Policy
Fraud is defined as the intentional, false representation or concealment of a material fact for the purpose of inducing another to act upon it to his or her injury. Each member of the Start-Up Loans company, and members of partner organisations will be familiar with the types of improprieties that might occur within his or her area of responsibility, and be alert for any indication of irregularity.
Any fraud that is detected or suspected must be reported immediately to the Company.
Actions Constituting Fraud
The terms defalcation, misappropriation, and other fiscal wrongdoings refer to, but are not limited to:
• Any dishonest or fraudulent act
• Forgery or alteration of any document or account belonging to the Company, or related to the Start-Up Loans scheme.
• Forgery or alteration of a cheque, bank draft, or any other financial document
• Misappropriation of funds, securities, supplies, or other assets
• Impropriety in the handling or reporting of money or financial transactions
• Disclosing confidential and proprietary information to outside parties
• Destruction, removal or inappropriate use of records, furniture, fixtures, and equipment; and/or
• Any similar or related inappropriate conduct.
Other Inappropriate Conduct
Suspected improprieties concerning an employee’s moral, ethical, or behavioural conduct, should by resolved by the most appropriate executive officer of the partner organisation. If there is any question as to whether an action constitutes fraud, contact the Company for initial guidance.
Investigation Responsibilities
The Company has primary responsibility for the investigation of all suspected fraudulent acts as defined in the policy. If the investigation substantiates that fraudulent activities have occurred, then the Company will issue reports to appropriate designated personnel and, if appropriate, to the Board of Directors and/or to BIS.
Decisions to prosecute or refer the examination results to the appropriate law enforcement and/or regulatory agencies for independent investigation will be made in conjunction with legal advice and senior management, as will final decisions on disposition of the case.
Confidentiality
The Directors treat all information received confidentially. Any employee, whether employed by the Company or one of its partner organisations who suspects dishonest or fraudulent activity should notify the Managing Director immediately, and should not attempt to personally conduct investigations or interviews/interrogations related to any suspected fraudulent activity.
Investigation results will not be disclosed or discussed with anyone other than those who have a legitimate need to know. This is important in order to avoid damaging the reputations of persons suspected but subsequently found innocent of wrongful conduct and to protect the Company from potential civil liability.
Whistle Blowing
This is covered in the Company’s separate whistle blowing policy.
Authorisation for Investigating Suspected Fraud
Officers of the Company will be appointed to investigate, and will have:
• Free and unrestricted access to all Company records and premises, whether owned or rented; AND
• The authority to examine, copy, and/or remove all or any portion of the contents of files, desks, cabinets, and other storage facilities on the premises without prior knowledge or consent of any individual who may use or have custody of any such items or facilities when it is within the scope of their investigation.
Reporting Procedures
Great care must be taken in the investigation of suspected improprieties or wrongdoings so as to avoid mistaken accusations or alerting suspected individuals that an investigation is under way.
Anyone who discovers or suspects fraudulent activity should contact the Managing Director of SULCo immediately. The employee or other complainant may remain anonymous. All inquiries concerning the activity under investigation from the suspected company, individual, their solicitor or representative, or any other inquirer should be directed to the Managing Director of SULCo. No information concerning the status of an investigation will be given out. The proper response to any inquiries is: “I am not at liberty to discuss this matter.”
Under no circumstances should any reference be made to “the allegation,” “the crime,” “the fraud,” “the forgery,” “the misappropriation,” or any other specific reference.
The reporting individual should be informed of the following:
• Do not contact the suspected individual in an effort to determine facts or demand restitution.
• Do not discuss the case, facts, suspicions, or allegations with anyone unless specifically asked to do so by the Managing Director of SULCo.
In the event that the Managing Director of SULCo is the subject of the allegation, the Audit & Risk Committee should be contacted via hello@startuploans.co.uk. The Committee will then designate one of their number as a contact person in the eventuality that the Managing Director of SULCo is the subject of the suspected improprieties. Other Committee members will be available for further stages of any investigation including any appeal.
Dismissal
If an investigation results in a recommendation to dismiss an individual, the recommendation will be reviewed for approval by the designated representatives of the Company and if necessary their solicitor before any such action is taken. The company’s internal disciplinary policy is outlined in the staff handbook and details the processes leading to disciplinary procedures and potential dismissal.
Administration
The Board of Directors, as guided by the Audit & Risk Committee is responsible for the administration, revision, interpretation, and application of this policy. The policy will be reviewed annually and revised as needed.
START-UP LOANS COMPANY WHISTLE BLOWING POLICY
1.0 Introduction
The Start-Up Loans Company (The Company) is committed to the highest standards of openness, probity and accountability regarding all aspects of the Start-Up Loan scheme. As employees both within the Company and within third party Start-Up Loan delivery partner organisations are often the first to realise that there may be something seriously wrong, the Company expects those who have concerns about any aspect of the Start-Up Loans Company’s remit to come forward and speak up without fear of reprisal.
Thus, the company recognises that it is an important aspect of accountability and transparency to provide a mechanism to ensure that no employee (and other members) of the Company and any employee of a third party Start-Up Loans delivery partner feel at a disadvantage in raising legitimate concerns regarding the Start-Up Loans scheme.
The Public Interest Disclosure Act, which came into effect in 1999, gives legal protection to employees against being dismissed or penalised by their employers as a result of publicly disclosing certain serious concerns.
These procedures are in addition to the Company’s complaints procedures and other statutory reporting procedures.
All employees, contractors, other bodies, agency staff, etc. working for the Company are covered by this policy. The policy also applies to suppliers and those providing services under a contract within the Company on any of its premises.
In addition any members of staff within any of the approved Start-Up Loans delivery partners may use this policy to highlight any concerns regarding misuse of the Start-Up Loans scheme.
2.0 Scope of Policy
This policy is designed to enable employees of the Company, and the approved Start-Up Loan delivery partners, to raise concerns to disclose information that the individual believes shows malpractice or impropriety on any aspect of the Start-Up Loans scheme.
A number of policies and procedures are already in place, including grievance, dignity at work, and discipline. This policy is intended to cover concerns that might be in the public interest and may (at least initially) be investigated separately, but might then lead to the commencement of such procedures.
These concerns might include:
• financial malpractice, impropriety or fraud;
• failure to comply with a legal obligation or statutes;
• dangers to health and safety or the environment;
• criminal activity;
• a miscarriage of justice;
• professional malpractice;
• improper conduct or unethical behaviour;
• attempts to conceal any of the above.
3.0 Safeguards
3.1 Protection
This policy is designed to offer protection to those employees of the Company and third party Start-Up Loan delivery partners who disclose such concerns provided the disclosure is made:
• in good faith;
• to an appropriate person/body; and
• in the reasonable belief of the individual making the disclosure that it tends to show malpractice or impropriety.
The Company will not tolerate any harassment or victimisation (including informal pressures) and will take appropriate action to protect the individual when they raise a concern in good faith.
3.2 Confidentiality
All concerns will be treated in confidence and every effort will be made not to reveal the individual’s identity if they so wish. However, at the appropriate time the individual may need to come forward as a witness.
3.3 Anonymous Allegations
This policy requires individuals to put their names to any disclosures they make. Concerns expressed anonymously will therefore not be considered by the Association.
3.4 Untrue Allegations
If an individual makes an allegation in good faith that is not confirmed by the subsequent investigation, no action will be taken against that individual. However, if the individual makes an allegation frivolously, maliciously or for personal gain, disciplinary action may be taken against the individual concerned.
4.0 How to Raise a Concern
4.1 First Step
The individual should normally raise concerns with the Finance Business Partner (Vishal Madan), or with the Managing Director (Tim Sawyer) if the complaint is against or is in any way related to the actions of the Finance Business Partner.
This information will be passed on as soon as is reasonably possible to the appropriate designated investigating officer as follows:
Complaints of malpractice will be investigated by the Finance Business Partner unless the complaint is against the Finance Business Partner or is in any way related to the actions of the Finance Business Partner.
In such cases, the complaint should be passed to the Managing Director for referral.
In the case of a complaint that is in any way connected with but not against the Finance Business Partner, they will nominate another senior member of staff to act as the alternative investigating officer.
The complainant has the right to bypass the line management structure and take their complaint direct to the Board. The Board has the right to refer the complaint back to management if he/she feels that the management, without any conflict of interest, can more appropriately investigate the complaint.
4.2 Communicating the Disclosure
Although the individual is not expected to prove beyond doubt the truth of an allegation, they will need to demonstrate to the person contacted that there are reasonable grounds for their concern.
Concerns may be raised verbally or in writing. Any individual making a written report are invited to use the following format:
• The background and history of the concern (giving relevant dates).
• The reason why there is concern about the situation.
The earlier the individual expresses their concern, the easier it is to action.
4.3 Process
On receipt of a disclosure the Finance Business Partner or Managing Director will consider the information made available to him/her and decide on the form of investigation to be undertaken.
This may be to:
• Investigate the matter by management, internal audit, or through the disciplinary process;
• Refer the matter externally to the external auditor or the police;
• Call for an independent inquiry.
Some concerns may be resolved by agreed action without the need for investigation. If urgent action is required this will be taken before any investigation is conducted.
4.4 Timescales
The person who will have to reach the decision on the matter should not carry out the investigation. The responsible person will write to the individual concerned within ten working days of a disclosure being made.
They will:
• acknowledge that the concern has been received;
• indicate how the matter will be dealt with;
• give an estimate of how long it will take to provide a final response;
• tell the individual whether any initial enquiries have been made;
• supply the individual with information on staff support mechanisms; and tell the individual whether further investigations will take place and if not, why not.
The amount of contact between the persons considering the issues and the individual will depend on the nature of the matters raised, the potential difficulties involved and the clarity of the information provided. If necessary, the Company will seek further information from the individual concerned.
Where any meeting is arranged, the individual can be accompanied by a trade union representative and also have the meeting either off-site or at a neutral site if they so wish.
5.0 Outcomes of Investigations
Once all facts are established the Finance Business Partner or Managing Director will decide what action to take. If the complaint is justified, then they will invoke the appropriate procedures.
Alternatively the disclosure may be referred to an external body (BIS).
The Company hopes the individual will be satisfied with any action taken. If they are not and feel it is right to take the matter outside the Company, then they should contact the Department for Business, Innovation and Skills (BIS):
By post:
1 Victoria Street
London
SW1H 0ET
By Email enquiries@bis.gsi.gov.uk
6.0 Policy Review
This policy will be reviewed at least every 5 years.
START-UP LOANS COMPANY COMPLAINTS PROCEDURE
1.0 Policy
It is the policy of the Start-Up Loans Company (the Company) to provide third parties with a mechanism to report allegations of improper and/or illegal conduct to designated personnel including such acts or omissions that would violate the principles of the Start-Up Loans scheme.
The Company will investigate allegations promptly, impartially and with due consideration to confidentiality.
2.0 Procedure
The procedure seeks to create a positive approach to complaints.
(i) The procedure will be published on a publicly accessible website (www.startuploans.co.uk);
(ii) The Company will keep copies of documents generated as a result of the complaint and record of any action taken. Except where prohibited or protected by applicable law, the finding of the complaint will be made available to a Competent Authority on request;
(iii) The Company will co‐operate with any official investigations;
(iv) The Company will take appropriate disciplinary action in the case of finding such a violation or unlawful behaviour;
The procedure does not confer any contractual rights. The Policy and Procedure may be subject to revision from time to time.
2.1 How to Complain
Complaints should be made within three months of the Complainant becoming aware of the grounds for complaint.
In the first instance, Complainants are encouraged to approach the individual with whom they have a grievance, in order to attempt to resolve the matter informally and to the satisfaction of both parties.
In the event of an unsatisfactory outcome arising from an informal approach, all complaints must be made in writing directly to the Company.
Complaints can be sent as follows via:
• Email to – hello@startuploans.co.uk
• Letter to – 16 Hanover Square, Mayfair, London, W1S 1HT
Any complaint made under this procedure should include:
• Contact details of the Complainant (including postal and e-mail address).
• The subject of the complaint.
• Information and evidence regarding the alleged breach.
Anonymous complaints will not normally be accepted but may be investigated where possible and will be acted upon at the Company’s discretion.
2.2 Handling of the Complaint
The Company is committed to ensuring that all complaints are investigated fully and impartially and with due consideration for confidentiality.
The Company will acknowledge receipt of the complaint within three working days and advise who will be responsible for dealing with the complaint. The aim is to investigate the complaint properly and issue a reply within ten working days, setting out how the problem will be dealt with. If this is not possible, an interim response will be made informing the Complainant of the action taken to date or being considered.
The Company will conduct an investigation within two months of receipt of the allegation.
The findings of the complaint and their ruling along with actions taken by the Company will be made available to the Complainant.
The Complainant should not expect that a complaint will produce the outcome they would prefer. Provision of some services may be dependent on resources or policy decisions made by the Company or a Delivery Partner. However, each complaint will be carefully considered, and the reasons for any decision will be communicated to the Complainant. There are mechanisms for further appeal if the outcome is unsatisfactory.
2.3 How Complaints are Resolved
The complaint shall be handled by an member of the Company staff – known as the Investigating Officer – in accordance with internal procedures.
If the Investigating Officer cannot mediate between the parties involved with the complaint, the complaint shall be referred to a Complaints Panel within ten days of receipt of the complaint. The Complaints Panel shall comprise employees of the Start-Up Loans company (with the exception of the Managing Director, who shall act as the Appeals Officer) and be chaired by the Investigating Officer. Any member of the panel with a prejudicial interest should so declare and should not vote in the proceedings.
The Panel shall consider the written complaint and request written information from the individual or party about whom the complaint arose (the respondent), and from any other relevant party. The Panel shall make a resolution and communicate this resolution to all parties within twenty-one days of referral.
Nothing in this policy should be interpreted to restrict any rights of redress the Complainant has in law.
The company will not reimburse any fees, expenses or cost involved in bringing a Complaint.
2.4 The Right of Appeal
If the Complainant is dissatisfied with the outcome of the initial investigation they should put in writing the reasons for their dissatisfaction and send it to the Appeals Officer. Appeals should be sent to the same address as above and will be assigned to the Managing Director, who is not involved with the Complaints Panel, for a response. The Managing Director shall be the final arbiter.
In the event that the complaint is against the Managing Director, he or she will nominate another Appeals Officer in accordance with internal procedures – who themselves shall not be involved with the Complaints Panel.
3.0 Complaints Not Covered by the Procedure
This complaints procedure cannot be used to deal with an issue which is part of any legal action against the Company.
This complaints procedure cannot be used by an employee. Any specific complaints made by employees should be directed through the relevant internal grievance policy and procedure.
The Company reserves the right to take any appropriate action to protect itself from any unfounded, malicious or vexatious allegations or complaints. Untrue allegations could lead to legal action for defamation.
START-UP LOANS COMPANY PRIVACY AND DATA-SHARING POLICY
1.0 About this Privacy Code
This privacy code provides an overview of how the Start-Up Loans Company (the Company) will comply with data protection legislation to protect the rights of the individuals we deal with. It sets out:
• Who we are and what we do
• How we collect personal information
• What personal information we collect, and why
• How we safeguard personal information
• With whom we share personal information, and why
• Delivery Partner obligations on data sharing protections
• Applicants’ rights under data protection legislation
• How to make a complaint
• How to find out more.
2.0 Who We Are and What We Do
The Start-Up Loans Company is an independent organisation established to oversee the delivery of Government’s Start-Up Loans scheme.
Our contact details are set out on our website and can be found at www.start-uploans.co.uk.
3.0 How We Collect Personal Information
Applicant information is collected through the ‘Apply Today’ section of the Start-Up Loans website.
We need applicants to give us certain information, which will be indicated on the form.
We do keep a record of traffic data which is logged automatically by our server, such as applicants’ IP address, the URL visited before ours, the URL visited after leaving our site and which pages are visited. We also collect some site statistics such as page hits and page views. We are not readily able to identify any individual from traffic data or site statistics.
The website provides telephone and email addresses for you to contact us. We will collect information from you through any of these methods. We may also collect other information from applicants after their initial contact with us.
4.0 What Personal Information We Collect, and Why
The information we collect will relate solely and exclusively to the applicants application, the processing of their application and the determination of their application by us and / or by our approved Start-Up Loans Delivery Partners.
4.1 The Information We Collect and How We Use It
4.1.a Information Required for a Start-Up Loans Application
We collect information from a business when it applies to us for funding. Details of this information are given to businesses before they apply to us, and on the actual application forms. We need this information so that we can effectively forward the loan enquiry to the appropriate Delivery Partner.
If a business receives funding the Delivery Partner will share the information with the Start-Up Loans Company.
4.1.b Information You Give Us On Your Own Initiative
We will use the details applicants give us to provide information they ask for or to put them in contact with the relevant Delivery Partner to progress their loan application. Delivery Partners have an obligation to keep applicants’ data secure. All applicants should be provided with a copy of the SULCo privacy notice by their Delivery Partner. This privacy notice sets out the delivery partner’s obligations in handling applicant data, as well as the consent that must be gained from the applicant regarding use of their data. A copy of this notice is attached at Annex A.
In addition we may use the information provided on the Start-Up loans website to help review and improve our services.
4.1.c Information That We Set Out to Collect
The following information is collected from the Start-Up Loans website:
• Applicant Name
• Applicant E-mail Address
• Applicant Phone Number
• Applicant Address
• Applicant Date of Birth
• Applicant’s Gender
• The business sector most applicable to the proposed activity
• Where the applicant heard about Start-Up Loans
• Applicant’s preference of which local provider (Delivery Partner) provides the loan.
4.2 Research Statistics
We anonymise the information we collect and then use it to produce and publish statistics on Start-Up Loan activity. We will always ensure the statutory safeguards for statistical research are in place. So we will never use personal information in the course of this research to support measures or decisions with respect to particular individuals or in such a way that is likely to cause substantial damage or substantial distress to any individual.
Any resulting research statistics will not be made available in a form which identifies individuals, unless those individuals have agreed to be identified.
5.0 How We Safeguard Personal Information
We recognise that applicants retain rights in the personal information we hold about them. We will keep that information secure, and use it only for specific legitimate purposes.
5.1 We Have Obligations to Keep Personal Information Secure, Which We Take Seriously
We will keep personal information secure by taking appropriate technical and staff measures against the unauthorised or unlawful processing of that information and against its accidental loss, destruction or damage.
The SULCo Office Manager has overall responsibility for implementation of security procedures.
5.2 Confidential Information
Please note that under the Freedom of Information Act 2000, we are only permitted to protect information that is actually confidential in law and where if we were to disclose it, we could be sued for breach of confidence. Information you give us which you may consider to be confidential, or may mark as confidential, may in fact not be confidential in law. However in respect of any information we receive from you that is truly confidential, we will take steps to ensure it remains confidential. Unauthorised disclosure or misuse of personal information by staff will lead to disciplinary action.
5.3 We Review Our Policies and Audit Our Procedures Regularly
We review this code and our other data protection policies regularly to make sure they are appropriate and up to date. We also carry out regular audits to monitor our security policies and procedures and revise them if necessary.
6.0 Your Rights Under Data Protection Legislation
Applicants have various rights. They are most likely to want to exercise the following:
• Their right to see a copy of the information we hold about them (with the exception of the assessment of your application), on payment of a statutory fee which is currently £10. Before we agree to this, they must provide us with sufficient evidence of their identity and sufficient details of the information they wish to see to enable us to locate it.
• Their right to be removed from our mailing lists, and those of our partner organisations. Instructions on how to stop further mailings will usually be contained in any direct marketing material we send out. Otherwise please contact our Data Protection Officer Vishal Madan.
• Their right to correct any errors in information we hold about them, and to change or correct any details you have already given us. Please inform us about changes to your details so that we can keep our records accurate and up to date.
7.0 How to Make a Complaint
Any complaints about our or our partner organisations’ handling of personal information must be made in writing and sent
by post to:
The Start-Up Loans Company, 16 Hanover Square, London, W1S 1HT
by email to: hello@startuploans.co.uk
If your complaint relates to the handling of your personal information by a Start-Up Loans Delivery Partner, then please make that clear.
We aim to respond to your complaint within 21 days of receiving it. We will always review our procedures and practices in line with any justified complaints.
ANNEX A
Data Protection
The Delivery Partner shall and shall procure that all Subcontractors shall:
(a) in the case of Personal Data obtained from a Data Subject, at the time such Personal Data is collected; and
(b) in any other case, prior to processing any Personal Data,
in connection with this Agreement and/or the Services:
(i)provide the information, specified in paragraph 1, in writing to; and
(2)obtain a signed consent form as specified in paragraph 2, in writing from, Data Subjects, in hard copy or electronically via an online portal as required by SULC.
1.Privacy Notice
Who is Responsible for Your Personal Data?
Start-Up Loans Company, a company registered in England with company number 08117656, whose registered office is 60 Grosvenor Street, London W1K 3HZ (“SULC”) is responsible for your personal data and will comply with the Data Protection Act 1998 (“DPA”) in respect of your personal data. Please refer to SULC’s Privacy Policy (available on request) for details of how SULC may process your personal data.
SULC has appointed [insert Delivery Partner name, registered company or charity number and address] (“we” “us”, “our”) to process your personal data on SULC’s behalf in connection with the services that we will provide to you on behalf of SULC.
What Information is Collected About You and How is it Collected?
We, on behalf of SULC and/or SULC may collect data about you (including your name, address, telephone number, email address, age, financial information and ethnicity):
• from you;
• from SULC;
• from third parties, including SULC’s finance partners and credit reference agencies to make a decision about the payment methods or other arrangements we offer you on behalf of SULC. Credit reference agent data may include public, electoral register, shared credit and fraud prevention information. The credit reference agent check will leave a footprint on your file which may be seen by other lenders.
How Will Your Personal Data Be Used?
We, on behalf of SULC and/or SULC will only use your personal data to:
• obtain a credit reference
• provide services to you on behalf of SULC, which may include a loan and/or business support and mentoring services;
• comply with our and SULC’s obligations under the law; and
• comply with SULC’s reporting requirements.
We, on behalf of SULC and/or SULC will only use information about your ethnicity for the purposes of monitoring and promoting equal opportunities.
We, on behalf of SULC and/or SULC, may disclose your personal data to SULC and SULC may:
• contact you directly for the purposes of monitoring our performance and/or the Start-Up Loans Programme;
• use your personal data in case studies for the purposes of advertising and marketing the Start-Up Loans Programme; and
• disclose your personal data to BIS and other government departments where required to do so by BIS or other government departments.
Marketing
Where we have your consent, we, on behalf of SULC and/or SULC may disclose your personal data to SULC and SULC’s corporate partners (a list of SULC’s corporate partners is available at www.startuploans.co.uk/corporate-partner-list/) who may contact you by electronic means, including by email, SMS and/or voicemail, with offers about goods and/or services which they consider may be of interest to you. If you would like to receive this information, please tick the OPT-IN box below.
We, on behalf of SULC and/or SULC may disclose your personal data to SULC and SULC’s corporate partners (a list of SULC’s corporate partners is available at www.startuploans.co.uk/corporate-partner-list/) who may contact you by post or by telephone with offers about goods and/or services which they consider may be of interest to you. If you do not wish to receive such marketing materials by post or by telephone please tick the OPT-OUT box below.
How Long We Keep Your Information For
How long we, on behalf of SULC and/or SULC, keep your information will depend on the purpose for which we, on behalf of SULC and/or SULC use it. We, on behalf of SULC and/or SULC will only retain your information for as long as is necessary for those purposes. In particular:
• we will keep information about you that is necessary for us, on behalf of SULC and/or SULC to provide you with a service or product you have requested, for as long as it takes us, on behalf of SULC and/or SULC to provide that service or product;
• we will keep your contact details for marketing purposes and/or pass your contact details to third parties, e.g SULC’s corporate partners, for as long as we, on behalf of SULC and/or SULC have your consent to send you marketing information by electronic means or until you tell us that you do not wish to receive marketing materials by post or by telephone;
• we, on behalf of SULC and/or SULC, will keep records of any agreements you enter into with us, on behalf of SULC and/or SULC or services or products you receive for up to six years. This is so that we, on behalf of SULC and/or SULC can respond to any complaints or disputes that arise in that period; and
• we, on behalf of SULC and/or SUL, will keep other information about you if it is necessary for us, on behalf of SULC and/or SULC to do so to comply with the law or to protect our or another persons interests.
Access to Your Information
Upon payment of a fee of £10 and by written request to The Data Protection Officer at: 16 Hanover Square, London, W1S 1HT, you may access details of the personal data we, on behalf of SULC and/or SULC hold about you on behalf of SULC.
You also have the right (without charge) to require SULC to correct any inaccuracies in your information and we, on behalf of SULC, encourage you to do so to ensure the information we, on behalf of SULC and/or SULC have about you is up-to-date.
2.Consent Form
By signing this consent form and providing us with your personal data you agree to your personal data (including information about your ethnicity) being used and disclosed in accordance with the Privacy Notice above.
Name: _____________________________
Signature: _____________________________
MARKETING OPT-IN
If you wish to receive marketing information from SULC or SULC’s corporate partners by electronic means (including email, SMS and voicemail) please tick below. By ticking this box you agree that we, on behalf of SULC and/or SULC, may disclose your personal data to SULC and SULC’s corporate partners (a list of SULC’s corporate partners is available at www.startuploans.co.uk/corporate-partner-list) who may contact you by email, SMS and/or voicemail, with offers about goods and/or services which they consider may be of interest to you.
I would like to receive marketing information from SULC and SULC’s corporate partners by electronic means, including email, SMS and voicemail: ___
MARKETING OPT-OUT
If you do not wish to receive marketing information from SULC or SULC’s corporate partners by post or by telephone, please tick below.
I do not wish to receive marketing information from SULC and/or SULC’s corporate partners by post or by telephone: ___