(b) This website is not intended for consumers.
(c) You have the right to make a complaint at any time to the Information Commissioner’s Office (“ICO”), the UK supervisory authority for data protection issues. We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
(a) Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
(b) We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
(i) Identity Data includes first name, last name, username or similar identifier, title and date of birth.
(ii) Contact Data includes billing address, email address and telephone numbers.
(iii) Financial Data includes bank account and payment card details and insurance details.
(iv) Criminal Offence Data includes the details concerning any director disqualification order made in relation to any person. Please also see the section below under the heading ‘Criminal Offence Data’.
(v) Access Data includes username, log in and password details for your Bank Account, Card Processor Account and other third party services (including, but not limited to, Adwords, Facebook, Google Analytics, Shopify, Stripe and such other accounts as may be required from time to time), provided by you to us as part of any application process relating to funding of any nature and/or in relation to any goods/services offered by us from time to time.
(vi) Transaction Data includes details about payments to and from you and other details of services you have purchased from us.
(vii) Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website. When you use the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the ‘Device ID’). Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data.
(viii) Profile Data includes your username and password, service purchases or orders made by you, your interests, preferences, feedback and survey responses.
(ix) Usage Data includes information about how you use our website such as pages visited and average time spent on our site. This information may be used, for example, to alert you to software compatibility issues, or it may be analysed to improve our web design and functionality.
(x) Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
(d) We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data).
(e) We may as part of our legal obligations under anti-money laundering legislation, require information in respect of any criminal records, sanctions or embargoes.
Criminal Offence data
We collect Criminal Offence Data as part of our Know Your Customer (“KYC”) checks where it is in our legitimate interests to do so and only when we obtain your consent to facilitate these checks. Where any person(s) involved with the company have previously been subject to a director disqualification order, we will conduct Enhanced Due Diligence checks on the individual(s) concerned in accordance with our current KYC/Anti-Money Laundering (AML) policy. The processing of this category of personal information is therefore necessary to determine your acceptability (or that of any company with which you are associated) for a loan or funding of any nature, which will be reviewed on a case by case basis. We will always ask for your consent to carry out our KYC checks via Creditsafe (our third party credit report company) but please be aware that if such consent is not provided you or any company with which you are associated will not be eligible for any loan and we will terminate our Services with you or any company with which you are associated automatically with immediate effect.
We take reasonable steps designed to ensure that your Personal Data that we process are limited to the Personal Data reasonably required in connection with the purposes set out in this Policy. We do not seek to collect or process Personal Data about race or ethnicity, political opinions, religious or philosophical beliefs, trade union membership, physical or mental health, or sexual life. Where we need to collect Personal Data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into (for example, to provide our client with Services). In this case, we may have to cancel a product or service, but we will notify you if this is the case at the time.
We use different methods to collect data from and about you including through:
You may give us your Identity, Contact and Financial Data filling in forms or by corresponding with us by post, phone, email, or otherwise. This includes personal data you provide when you:
(a) create an account on our website;
(b) engage in any application process relating to funding of any nature and/or in relation to any goods/services offered by us from time to time
(c) subscribe to our publications;
(d) request marketing material to be sent to you;
(e) enter a promotion or survey;
(f) apply for a job in our “Careers” section;
(g) give us some feedback;
(h)submit a query through the Contact Us form;
(i) are asked to provide identification information to confirm your identity, including your first and last name, address, business name and phone number, as well as bank statements, credit card statements, banking history and payment and transaction history;
(j) are asked to provide business information and documentation, including company size, financial statements, business type, organizational documents and business plans, as well as beneficial ownership information;
(k) use or receive any Services or services of any nature from us; or
(l) enter into any contract or agreement with us.
Third parties or publicly available sources. We may receive Contact, Financial and Transaction Data from providers of technical, payment and delivery services such as Companies House, Modulr or Stripe.
(a) We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances where:
(i) We need to perform the contract we are about to enter into or have entered into with you;
(ii) It is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests;
(iii) Where we need to comply with a legal or regulatory obligation.
(b) Generally we do not rely on consent as a legal basis for processing your personal data other than where expressly communicated with you or in relation to sending marketing communications to you via email or text message. You have the right to withdraw consent to the processing of such data at any time by contacting us at email@example.com.
Purposes for which we will use your personal data
(a) We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
(b) Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us at firstname.lastname@example.org if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
|Purpose/Activity||Type of Data||Lawful basis for processing including basis of legitimate interest|
|To register you as a new customer||Identity; Contact; Profile; Marketing and communications||Performance of a contract with you|
|To undertake any application process relating to funding of any nature: : (a) Obtaining all information necessary including information required for due diligence and/or KYC purposes
(b) Reviewing and/or analysing the data received in order to progress your application
(c) Communicating with you
|Identity; Contact; Financial; Access; Transaction; Profile; Criminal Offence||Performance of a contract with you; Consent|
|To complete and manage the any loan or funding agreement(s) following successful completion of any application process relating to funding of any nature:
(a) Obtaining any further registration information
(b) communication with you
|Identity; Contact; Financial; Access; Transaction; Technical; Profile||Performance of a contract with you|
|To manage our relationship with you under any contract or agreement or otherwise which will include: (a) the performance of the contract or agreement and the general management of that contract or agreement by us and the operation of our rights under any such contract or agreement
(c) Asking you to complete a survey
|Identity; Contact; Profile; Marketing and communications||Performance of a contract with you; Necessary to comply with a legal obligation; Necessary for our legitimate interests (to keep our records updated and to study how customers use our services and develop our offerings)|
|To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)||Identity; Contact; Access; Technical; Profile; Usage||Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise); necessary to comply with a legal obligation|
|To deliver relevant website content and advertisements to you on our website, third party websites and social media channels, and measure or understand the effectiveness of the advertising we serve to you||Identity; Contact; Transaction; Technical; Profile; Usage; Marketing and communications||Necessary for our legitimate interests (to study how customers use our services, to develop them, to grow our business and to inform our marketing strategy)|
|To use data analytics to improve our website, offers, marketing, customer relationships and experiences||Technical; Usage||Necessary for our legitimate interests (to define types of customers for our various offerings, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)|
|To make suggestions and recommendations to you about offers that may be of interest to you/your business, providing you with updates concerning our business||Identity; Contact; Technical; Profile; Usage; Marketing and communications||Necessary for our legitimate interests (to develop our products and services and grow our business); Consent|
In an ongoing effort to better understand and serve the users of the Services and improve data analytics, research and analysis may be compiled and analysed on an anonymized basis, and the Company may share this anonymized data with its affiliates, agents and business or financing partners. This aggregate information does not identify you personally.
Some of our pages utilise framing or white-labelling techniques to serve content from our partners while preserving the look and feel of our Site. Please be aware that in these instances you may be providing your personal information to these third parties and not to the Company.
We may use your Identity, Contact, Technical, Profile and Usage Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing). Our direct marketing communications includes our newsletters and information about the latest services and support we can offer to your business.
If we hold your personal data by virtue of your being an employee and/or representative of any incorporated entity, we will where applicable rely on our legitimate interests justification (please refer to the table at 3.3 above) to send any direct electronic marketing communications which we think may be relevant to your business. If your business does not want to receive such communications, you can opt out any future marketing by emailing us at any point at email@example.com.
Any employee and/or representative to whom we direct any electronic communication using an individual business email address may opt-out of receiving such communication by emailing us at firstname.lastname@example.org.
Where we hold your personal data solely as it relates to you as an individual (which includes any data held on behalf of an unincorporated body), we will not process this data for marketing purposes without your consent.
(a) You can ask us or previously authorised third parties to stop sending you marketing messages at any time by contacting us at email@example.com.
(b) Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of the receipt or use of any Service or other service from us.
(a) We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us at firstname.lastname@example.org.
(b) If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
(c) Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We may have to share your personal data with:
(a) The parties set out below for the purposes set out in the table above:
(i) Internal Third Parties as set out in the Glossary;
(ii) External Third Parties as set out in the Glossary;
(b) Third parties in the course of an acquisition, merger, equity investment or similar corporate transaction; and
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
We may share personal information about you as follows and you hereby consent to such sharing:
We may display personal testimonials, case studies, images or recordings or any other marketing material featuring customers on our Site or in any other promotional literature published by us at any time, but only with your express consent. If you wish to update or delete any of the abovementioned materials that are published by us , you can contact us at any time by email at email@example.com.
Many of our external third parties are based outside the UK so their processing of your personal data will involve a transfer of data outside the UK.
Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
Please contact us at firstname.lastname@example.org if you want further information on the specific mechanism used by us when transferring your personal data out of the UK.
We have put in place appropriate security measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable supervisory authority or other regulator of a breach where we are legally required to do so. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any personal information to the Company via the Internet. If you have any questions regarding the security of your personal information, you can contact us by email at email@example.com.
6.1. We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
6.2. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
6.3. Details of retention periods for different aspects of your personal data are available in our retention policy which you can request from us by contacting us at firstname.lastname@example.org.
6.4. In some circumstances you can ask us to delete your data: see below for further information.
6.5. In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
7.1. Under certain circumstances, you have rights under data protection laws in relation to your personal data. Specifically, you may:
(a) Request access: to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
(b) Request correction: of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
(c) Request erasure: of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
(d) Object to processing: of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have a compelling legitimate ground to process your information which overrides your rights and freedoms.
(e) Request restriction of processing: of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
(f) Request the transfer: of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
(g) Withdraw consent at any time: where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain offerings to you. We will advise you if this is the case at the time you withdraw your consent.
7.2. If you wish to exercise any of the rights set out above, please contact us at email@example.com.
7.3. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
7.4. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
7.5. We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
We may provide our registered customers with summaries of their account information and email alerts. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting the Company or third-party goods or services.
You have the ability to opt out of receiving our promotional emails and to terminate your newsletter subscriptions by following the instructions in the emails or by contacting us by email at firstname.lastname@example.org. Opting out in this manner will not end transmission of service-related emails, such as email alerts.
The laws and regulations in different countries may impose different (and even lower or conflicting) requirements on the Internet and data protection. The servers that make the Site available are located in the United Kingdom. Please note that any information you provide may be transferred outside of the United Kingdom, and by using the Site or providing the Company personal information (including Personal Data), you authorise this transfer.
(a) Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best offering and the best and most secure experience; we make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests; we do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law); you can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us at email@example.com.
(b) Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
(c) Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.
(a) Internal Third Parties
other companies in the Juice Ventures Group which provide IT and system administration services and marketing services to Juice Ventures Limited.
(b) External Third Parties
(i) service providers acting as processors who provide IT and system administration services, identify verification services, open banking and/or payment provider services and marketing data services;
(ii) professional advisers acting as processors or controllers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services; and
(iii) HM Revenue & Customs, the Information Commissioner’s Office, regulators and other authorities acting as processors or joint controllers based in the UK who require reporting of processing activities in certain circumstances.
Effective Date XXX
It is important that the personal data we hold about you is accurate and current. Please keep us informed by emailing us at firstname.lastname@example.org if your personal data changes at any point during your relationship with us.
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