Welcome to TD Advice LTD (“we,” “our,” “us”). At TD Advice LTD, we understand the importance of your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our website and services.

We are registered in England and Wales under company number 15172324, and our registered office address is 16. Tottenham Town Hall, Town Hall Approach, London, N15 4RY. We respect your right to privacy and will only process personal information you provide in accordance with the applicable Data Protection Legislation.

 Our Website

We take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of our users throughout their visiting experience.

When you use or contact our website, you do so at your own discretion and provide any such personal details requested at your own risk. Your personal information is kept private and stored securely until a time it is no longer required or is no use. Every effort has been made to ensure a safe and secure form-to-email submission process, but we advise users using such form-to-email processes that you do so at your own risk.

As the party responsible for data processing, we ensure that the processed data:

– Is processed in accordance with the applicable privacy regulations; and

– Is sufficiently protected to not be exposed to persons who should have no access to it, both internally and externally by taking technical, contractual, and organisational safety measures.

 

Why We Collect Your Information

To provide our services to you, we need to collect and process personal and business data about you and disclose that data to a number of third-party funders to enable them to assess your eligibility for funding.From time to time, it may be necessary to undertake a soft credit check against you from a third-party approved credit agency, which will not affect your credit rating but will establish your eligibility for the funding, assist in decision-making, and may result in the lending application being processed quicker.

This data is necessary to provide you with the quotations and services that you have requested. All personal data will be held in strict confidence and used only for the purposes of providing the service you have requested, subject to certain exceptions as described below.

 Lawful Basis for Processing

Under GDPR, we will ensure that your personal data is processed lawfully, fairly, and transparently, without adversely affecting your rights. Below is a list of the purposes for which we process your personal data and the lawful basis on which we carry out such processing:

– Necessary for entering into, or performing, a contract – In order to perform obligations that we undertake in providing the Services, or in order to take steps at your request to enter into a contract with us, it will be necessary for us to process your personal and business data;

– Necessary for compliance with a legal obligation – We are subject to certain legal requirements which may require us to process your information. We may also be obliged by law to disclose your information to a regulatory body or law enforcement agency;

– Necessary for the purposes of legitimate interests – Either we, or a third party, will need to process your information for the purposes of our (or a third party’s) legitimate interests, provided we have established that those interests are not overridden by your rights and freedoms, including your right to have your information protected. Our legitimate interests include ensuring that our operations are conducted in an appropriate and efficient manner, responding to requests and enquiries from you or a third party, optimising our website and customer experience, and informing you about our products and services;

– Consent – In some circumstances, we may ask for your consent to process your information in a particular way. To the extent that we are processing your information based on your consent, you will have the right to withdraw your consent at any time. You can do this by contacting us at info@tdadvice.co.uk.

In some instances, it may be appropriate for us to combine your information with other information that we may be holding about you, such as combining your name with your geographic location or your browsing or purchasing history.

 

How We Collect and Use Your Information

We collect your personal and business data in the following ways:

1. When You Use Our Website: By visiting our website, we automatically collect data relating to your browsing activity, including but not limited to:

·         Your referring domain (the website you were referred from);

·         Your IP address;

·         Your user-agent (your browser information);

·         The pages that you visit within our Website;

·         Your geographic location (country only);

·         The preferred language used to display the webpage;

·         Date and time when website pages were accessed.

 The data we collect from your browsing activity is passed onto third-party companies for analytical purposes only. The service provided by our third parties allows us to evaluate how visitors use our Website and this information is used to help us improve our website and our visitor’s browsing experience. All of our third-party analytics companies will not share your information or be able to identify you with any other data held by them.

 2. When You Complete Any Application and Information Forms: By completing our information and application forms on our Website, we will ask for the following information to be completed by yourself:

·         How much funding do you require?

·         Your first name;

·         Your last name;

·         The legal status of your business;

·         Your company name;

·         How long have you been trading?;

·         Your phone number;

·         Your email address;

·         Do you accept card payments?;

·         Your average monthly CARD takings;

·         Your average monthly takings.

 

    We will also collect the following information automatically when you apply. The information collected will be used for fraud prevention:

·         Your IP address;

·         Your user-agent (browser).

 

3. When You Email, Phone, Live Chat or Otherwise: We may collect information such as your first name, last name, email address, and phone number. We may also request other information from you that is relevant to your application with us, if you are already an existing customer.

4. Information We Receive from Other Sources: We only collect personal and business information to provide our services and to enable us to make and evaluate potential eligibility for third-party lenders. We may use publicly available records such as Companies House, public-facing websites, and social media platforms.

5. Through Cookies: We also collect personal information about website usage through cookies (please see our Cookie Policy) and server logs, which track the IP addresses of users visiting our site and the pages they visit.

 

Manual Decision-Making and Your Data Rights

We do not use automated decision-making systems based on the personal and business data you provide to us during the application process. Instead, we manually review and contact relevant lenders to pass on your details.

Here is how our process works:

1. Manual Review: Our team manually reviews the information you provide during the application process.

2. Contacting Lenders: Based on our review, we identify and contact relevant lenders that may be suitable for your needs. We pass your details to these lenders to assess and rate your application.

3. Lender Criteria: Different lenders have varying criteria. For instance, some may not accept sole trader applications, or they may require a minimum trading period. We take these criteria into account during our manual review.

Your Rights

Even though we do not use automated decision-making, you have certain rights regarding the processing of your personal data:

 ·         Right to Access: You can request information about the personal data we hold about you.

·         Right to Rectification: If you believe that any information, we hold about you is incorrect or incomplete, you can request that we correct or complete it.

·         Right to Erasure: You can request that we delete your personal data, subject to certain conditions.

·         Right to Restrict Processing: You can request that we restrict the processing of your personal data, subject to certain conditions.

·         Right to Object: You can object to the processing of your personal data in certain circumstances.

If you wish to exercise any of these rights or if you have any questions about our data processing practices, please contact us at info@tdadvice.co.uk.The right described in this section does not apply in the following circumstances:

– The decision is necessary for the entry into, or performance of, a contract between you and us;

– The decision is authorised by law; or

– You have given your explicit consent.

 Here are the types of automated decisions we make:

– We have strict filtering in place with our lenders where your application may not be passed onto a funder. For example:

  – Some of our lenders will not accept sole trader applications;

  – Some lenders require a minimum trading period, for example, you have to be trading more than 3 months;

  – Some of our lenders will not accept loan amounts below or above a certain threshold;

  – Some of our lenders require you to accept card payments online or offline.

 

Although we have filtering in place, you have the right to opt-out of automated decision-making and ask for us to present your application to a lender for them to manually review.

 

If You Fail to Provide Personal Data

If you choose not to provide the personal information we request, you can still visit some areas of the website, but you may be unable to access certain options and services that involve interaction or receive our Services. You have the final decision on whether to proceed with any activity that requests personal information.

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 with you. In this case, we may have to cancel a service you have with us, but we will notify you if this is the case at the time.

 

How Our Funding Partners Use Your Personal and Business Data

We will never share your information for marketing purposes and the information shared will be for the purpose of providing business finance quotes only.As we are a business finance intermediary, to provide you with business finance quotes, we will share your information with the funders listed below. Our funding partners will use your personal and business data to assess and rate your information prior to issuing a quote. Some of our funding partners may search external sources (e.g., the edited electoral roll, county court judgments, bankruptcy registers) to assess your application for accuracy. Searches of this kind may be recorded by credit agencies, but they will not affect your credit score.

 Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the updated Privacy Policy on our website. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

TD Advice LTD, 16 Tottenham Town Hall, Town Hall Approach, London,N15 4RY.

Email: info@tdadvice.co.uk