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PRIVACY POLICY

BACKGROUND

Business Development Directors Limited understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of all of our clients and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.

1.  INFORMATION ABOUT US

Business Development Directors Limited Is a limited company registered in England under company number 12697894.

Registered address:                                Thames Enterprise Centre, Princess Margaret Road, East Tilbury,

                                                                 Essex RM18 8RH.

Contact for Data Protection Enquiries:  Francine Allen, Director.

Email address:                                         finance@bddirectors.com

Telephone number:                                 01375 488015

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Other Key Information:

Our primary services include:

Commercial broker services; business planning; financial modelling & forecasting; bookkeeping; sales agent services; consultancy & advisory; commercial support services.

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Business Development Directors  Limited is authorised and regulated by the Financial Conduct Authority.  Our FCA registration number is 972128 and can be checked at https://www.fca.org.uk/register/.

2.  WHAT DOES THIS NOTICE COVER?

This Privacy Information explains how we use your personal data: how it is collected, how it is held, and how it is processed. It also explains your rights under the law relating to your personal data.

3.  WHAT IS PERSONAL DATA?

Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) and the Data Protection Act 2018 (collectively, “the Data Protection Legislation”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.

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Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.

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The personal data that we use is set out in Part 5, below.

4.  WHAT ARE MY RIGHTS?

Under the Data Protection Legislation, you have the following rights, which we will always work to uphold:

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  1. The right to be informed about our collection and use of your personal data. This Privacy Notice should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 11.

  2. The right to access the personal data we hold about you. Part 10 will tell you how to do this.

  3. The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 11 to find out more.

  4. The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we hold. Please contact us using the details in Part 11 to find out more.

  5. The right to restrict (i.e. prevent) the processing of your personal data.

  6. The right to object to us using your personal data for a particular purpose or purposes.

  7. The right to withdraw consent. This means that, if we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.

  8. The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.

  9. Rights relating to automated decision-making and profiling. We do not use your personal data in this way. 

 

For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 11.

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It is important that your personal data is kept accurate and up to date. If any of the personal data we hold about you changes, please keep us informed as long as we have that data.

Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.

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If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office. We would welcome the opportunity to resolve your concerns ourselves, however, so please contact us first, using the details in Part 11.

5.  WHAT PERSONAL DATA DO YOU COLLECT AND HOW?

Depending on how you interact with us and/or your use of our website, we may collect and hold some or all of the personal and non-personal data set out in the table below, using the methods also set out in the table. We do not collect any ‘special category’ or ‘sensitive’ personal data and/or personal data relating to children and/or data relating to criminal convictions and/or offences.

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Data Collected                                                                                                       How We Collect the Data
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Identity Information and documentation including name, title, date of birth      On direct request. 

                                                                                                                                Electronically via email and website, 

                                                                                                                                Companies House, post or conversation.

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Contact information including address, email address, telephone number.         Electronically via email and website,

                                                                                                                                post or conversation.

Proof of address information                                                                                 On direct request.   

                                                                                                                                Electronically via email, post

                                                                                                                                or conversation.

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Personal financial information including details of income and expenditure,      On direct request via email, post

assets and liabilities, financial commitments.                                                        or conversation.

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Business information including business name, job title, profession.                   Electronically via email, website and 

                                                                                                                                social media channels, business card,

                                                                                                                                post or conversation.

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Payment information including card details & bank account numbers.               On direct request via email, post

                                                                                                                                or conversation.

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Profile information including preferences, interests, login details &                     Electronically via email, website and

purchase history.                                                                                                     internal records, post or conversation

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6.  HOW DO YOU USE MY PERSONAL DATA?

Under the Data Protection Legislation, we must always have a lawful basis for using personal data. The following table describes how we will/may use your personal data, and our lawful bases for doing so. We will always comply with legal requirements in relation to our use of your personal data.

 

What We Do                                          What Data We Use                                           Our Lawful Basis

 

Registering you on our Website.           Identity, business and contact data                 Consent and Legitimate Interests

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Administering our business.                  Identity, business, contact and payment data Consent and Legitimate Interests

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Supplying our services to you.              Identity, business, contact, profile, payment   Consent, Legitimate Interests &

                                                               and personal financial data                              Performance of a Contract

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Managing payments for our services.   Identity, business, contact, profile and            Consent, Legitimate Interests &

                                                                payment data                                                  Performance of a Contract

 

Personalising & tailoring services          Identity, business and profile data                   Consent, Legitimate Interests &

for you.                                                                                                                             Performance of a Contract

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Communicating with you.                      Identity, business, profile and contact data    Consent, Legitimate Interests &

                                                                                                                                         Performance of a Contract

 

Supplying you with information by       Identity, business, contact and profile data.   Consent, Legitimate Interests &

email that you have opted in to or                                                                                 Performance of a Contract

may opt out at any time.

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With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email and/or telephone and/or by text message and/or by post with information, news, and offers on our services.

 

You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the Data Protection Legislation and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out. We will always obtain your express opt-in consent before sharing your personal data with third parties for marketing purposes and you will be able to opt-out at any time.

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We will only use your personal data for the purpose(s) for which it was originally collected unless we reasonably believe that another purpose is compatible with that or those original purpose(s) and need to use your personal data for that purpose. If we do use your personal data in this way and you wish us to explain how the new purpose is compatible with the original, please contact us using the details in Part 12.

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In order to comply with Anti-Money Laundering (AML) regulations, we will conduct the necessary checks and this may involve using companies who facilitate AML checks.  We may pass your data to the following: commercial finance lenders, retail finance lenders, mortgage lenders, insurance providers and specialist firms, as appropriate, in order to provide you with offers of products suitable to meet your circumstances.  

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If we need to use your personal data for a purpose that is unrelated to, or incompatible with, the purpose(s) for which it was originally collected, we will inform you and explain the legal basis which allows us to do so.

In some circumstances, where permitted or required by law, we may process your personal data without your knowledge or consent. This will only be done within the bounds of the Data Protection Legislation and your legal rights.

7.  HOW LONG WILL YOU KEEP MY PERSONAL DATA?

We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. 

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We will keep your personal data related to a specific matter after we have finished advising or acting for you in that matter. We will do so for one of these reasons:

 

  1. to respond to any questions, complaints or claims made by you or on your behalf;

  2. to show that we treated you fairly;

  3. to establish, exercise or defend our legal rights; or

  4. to keep records required by law.

 

Different retention periods apply for different types of data. We will usually keep files for seven years from the completion of our contract with you or the closure of the relevant matter. 

 

We will keep your limited personal data (name, date of birth, job title, personal financial information, company and contact details) for marketing purposes for three years from when we last acted for or heard from you, unless you opt-out from receiving marketing communication.

 

We will keep your payment information only to the extent and for the period necessary to receive payment from you for our services.

 

We will not retain your data for longer than necessary for the purposes set out in this policy. If you want further information on the specific retention periods applying to your file or personal data please contact Francine Allen at the Company’s registered address stated above.

8.  HOW AND WHERE DO YOU STORE OR TRANSFER MY PERSONAL DATA?

We will only store or transfer your personal data within the UK. This means that it will be fully protected under the Data Protection Legislation.

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Please contact us using the details below in Part 11 for further information about the particular data protection mechanisms used by us when transferring your personal data to a third country.

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The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:

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  1. limiting access to your personal data to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality;

  2. procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, your personal data) including notifying you and/or the Information Commissioner’s Office where we are legally required to do so;

9.  DO YOU SHARE MY PERSONAL DATA?

We will not share any of your personal data with any third parties for any purposes, subject to the following exceptions.

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If we sell, transfer, or merge parts of our business or assets, your personal data may be transferred to a third party. Any new owner of our business may continue to use your personal data in the same way(s) that we have used it, as specified in this Privacy Policy.

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In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

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We may sometimes contract with the following third parties to supply certain products and/or services.

 

Recipient                                           Activity Carried Out                               Sector                         Location
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Sub-contractor (data processor)      Preparation of a business plan               Finance/Business       UK

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Sub-contractor (data processor)      Preparation of a finance application      Finance/Business       UK

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Sub-contractor (data processor)      Commercial broker services                   Finance/Business       UK

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Finance & mortgage lenders,            Commercial  broker services                  Finance/Business       UK

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Researcher (data processor)             Industry and sector research                 Finance/Business       UK

 

If any of your personal data is shared with a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 8.

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If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation, as explained above in Part 8.

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If we sell, transfer, or merge parts of our business or assets, your personal data may be transferred to a third party. Any new owner of our business may continue to use your personal data in the same way(s) that we have used it, as specified in this Privacy Policy.

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In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

10.  HOW CAN I ACCESS MY PERSONAL DATA?

If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.

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All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 11. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.

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There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.

We will respond to your subject access request within 1 month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.

11. HOW DO I CONTACT YOU?  HOW TO COMPLAIN

To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details (for the attention of Francine Allen):

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Email address:         finance@bddirectors.com

Telephone number: 01375 488015.

Postal Address:       Thames Enterprise Centre, Princess Margaret Road, East Tilbury, Essex RM18 8RH.

 

How to complain
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If you have any concerns about our use of your personal information, you can make a complaint to us at the above address. You can also complain to the ICO if you are unhappy with how we have used your data.

 

The ICO’s address:            

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

Helpline number: 0303 123 1113

ICO website:        https://www.ico.org.uk

12.  CHANGES TO THIS PRIVACY NOTICE

We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.

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Any changes will be made available and communicated as soon as possible by email or post. This Privacy Notice was last updated in October 2024.

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