In order to operate effectively and fulfil its legal obligations, Esteema Capital Partner needs to collect, maintain and use certain personal information about current, past, and future employees, clients, and other individuals with whom it has dealings. All personal information, whether held on a computer, paper, or other media, will be obtained, handled, processed, transported, and stored lawfully and correctly, in accordance with the General Data Protection Regulation and the safeguards contained in the Data Protection Act. This policy sets out how we seek to protect personal data and describes how this data must be collected, handled, and stored to meet the company’s data protection standards and to comply with the law.
Esteema Capital Partners is the trading name of Esteema Financial Solutions Limited, which is a company registered in England & Wales, Company No 05911084. We are authorised and regulated by the Financial Conduct Authority (FCA). Our permission number is 471068. We comply fully with the requirements of the UK Data Protection Laws.
Why this policy exists
This data protection policy ensures Esteema Financial Solutions Limited:
- Complies with data protection law and follows good practice
- Protects the rights of staff, customers, and partners
- Is open about how it stores and processes individuals’ data
- Protects itself from the risks of a data breach
Data protection law
The Data Protection Act describes how organisations, including Esteema Capital Partner, must collect, handle, and store personal information. These rules apply regardless of whether data is stored electronically, on paper, or on other materials. To comply with the law, personal information must be collected and used fairly, stored safely, and not disclosed unlawfully. The Data Protection Act is underpinned by eight important principles. These say that personal data must:
- Be processed fairly and lawfully
- Be obtained only for specific, lawful purposes
- Be adequate, relevant, and not excessive
- Be accurate and kept up to date
- Not be held for any longer than necessary
- Processed in accordance with the rights of data subjects
- Be protected in appropriate ways
- Not be transferred outside the European Economic Area (EEA), unless that country or territory also ensures an adequate level of protection
How we use your information
All information you provide us with by any means including online forms will be held securely and confidentially in line with the Data Protection Act. Your information will be used for the purpose of sourcing a mortgage, loan application, or any other form of a credit on your behalf or on behalf of someone you represent, in which case you must have the permission of the data subject to supply this information. We may share your information with and obtain information about you from credit reference agencies and/or fraud prevention agencies. We will be particularly careful with sensitive personal data including details of an individual’s physical or mental health or condition, criminal offences or related proceedings, or other individuals classed as sensitive. We will pass your information on to a lender, lenders, or other selected brokers for the purpose of obtaining credit. If a credit search is undertaken which will include current and previous names, addresses, and dates of birth for all parties to the application this may be recorded on your credit file by the credit reference agency and remain for 6 years. Lenders use the results from credit searches to make lending decisions about applicants and to verify their identity for the prevention of fraud or money laundering. A large number of credit application searches in a short period of time may impact your ability to obtain credit.
Disclosing data for other reasons
In certain circumstances the Data Protection Act allows personal data to be disclosed to law enforcement agencies without the consent of the data subject.
Under these circumstances, Esteema Financial Solutions Limited will disclose the requested data. However, the data controller will ensure that the request is legitimate before doing so. We will not sell your data to other companies.
Accuracy and relevance
We will ensure that any personal data we process is accurate, adequate, relevant, and not excessive, given the purpose for which it was obtained. We will not process personal data obtained for one purpose for any unconnected purpose unless the individual concerned has agreed to this or would otherwise reasonably expect this. Individuals may ask that we correct inaccurate personal data relating to them. If you believe that information is inaccurate you should record the fact that the accuracy of the information is disputed and inform the Esteema Financial Solutions Limited Data Protection Officer.
Your personal data
You have certain legal rights under UK Data Protection law and regulations regarding your personal data. You have the right to be informed about our data processing activities, including through Privacy Notices such as this. You have the right to have your personal information erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services. You must take reasonable steps to ensure that the personal data we hold about you is accurate and updated as required. For example, if your personal circumstances change, please inform the Data Protection Officer so that they can update your records.
We must retain personal data for no longer than is necessary. What is necessary will depend on the circumstances of each case, taking into account the reasons that the personal data was obtained, but should be determined in a manner consistent with our data retention guidelines.
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.
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We would like to keep you updated about our relevant products and services by email, SMS, and/or telephone and we will only contact you about the services which you have already requested information about. If we send you details of our services by email we will provide the opportunity to unsubscribe each time we email you. If we intend to use your data to contact you about other products or services we will only do so with your consent. Your consent will be obtained specifically at the appropriate time. If you have already consented and wish us to stop using your personal information for this purpose, or any other purpose, then please contact us. We will not sell your data to other companies for marketing purposes.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Subject access requests
All individuals who are the subject of personal data held by Esteema Financial Solutions Limited are entitled to:
- Ask what information the company holds about them and why.
- Ask how to gain access to it.
Esteema Financial Solutions Limited Privacy & Data Protection Policy is subject to change at any time to ensure that we operate in an efficient and lawful manner. We will make this policy easily available for you to view on our website or by request by email.
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