Century 10 Real Estate Finance Limited Privacy Notice

Your privacy is very important to us. This policy sets out certain information about what personal data we process about you, why we process it and how we handle it. Please kindly take the time to read and understand our Privacy Policy.

Who We Are

Century 10 Real Estate Finance Limited (company number: 10780162) (“we”, “us”, “our” and “ours”) are Commercial Real Estate Finance Brokers based in 41 Greek Street, Stockport, SK3 8AX. We act as Data Controller in respect of the personal data you provide to us for the purposes of the UK data protection regime.

As Commercial Real Estate Finance Brokers, we only effect introductions of customers who are limited companies, limited liability partnerships and other bodies corporate, and other partnerships with 4 or more partners. We are not a lender.

The personal data we collect and how we collect it

We process various items of personal data in order to provide our finance consultancy and brokerage services to clients (and, where our clients are companies, this includes personal data in relation to their directors, shareholders and personnel). This typically includes (along with other non-personal data):

  • Contact details  such as names, addresses, email and telephone contact details (including personal and/or, where the name of the recipient is specified, business contact details), and other client information pertinent to the application for a loan or such other services as we are engaged to provide;
  • personal identificationor verification information (such as your passport or other photographic identification), date of birth, national insurance number, Driver’s Licence Number, details of your employment, financial affairs and your use of our website;
  • Service Details e.g. what services you require from us;
  • Location Details;
  • address history, date of birth and gender;
  • financial information such as your personal assets and liabilities, income and expenditure and financial history
  • details about your family and dependents (e.g. your marital status and number of children) ;
  • information about your lifestyle and living circumstances (e.g. your employment details and home ownership)
  • identifiers assigned to your computer or other devices, including your Internet Protocol (IP) address, cookies and similar technologies (For more information on Cookies please see our Cookie Policy);
  • sensitive personal information for the purposes of providing you our services such as criminal convictions and details of any court or judgements for the purposes of preventing, detecting and investigating fraud;
  • other client information pertinent to the application for a loan or such other services as we are engaged to provide.

The personal data we collect about you will generally be provided to us directly by you (whether over the phone, in person, by email, your completion of any questionnaires or contact forms or otherwise), but may also be provided to us by a client or their representative (for example their lender, professional advisor or broker) in the course of our provision of services and in other cases may be collected from our business contacts and referrers or from publicly available resources and other third parties (such as Companies House, local authority planning portals, and credit reference and fraud prevention agencies).

You may also provide your personal data to us when submitting an enquiry through our contact form on our website such as identifiers assigned to your computer or other devices, including your Internet Protocol (IP) address, cookies and similar technologies (For more information on Cookies please see our Cookie Policy)

How we will use the Information about you and our lawful basis for doing so

We will use your personal data for the following purposes:

  • To respond to your service enquiry;
  • To carry out our obligations arising from any contracts entered into between you and us;
  • To notify you about any changes to our service;
  • To provide you with information about other products or services we offer that may be of interest to you;
  • To provide you with information, products and services you request from us;
  • To approach lenders on your behalf to arrange the funding you require;
  • To assist with lenders on your behalf;
  • For fraud prevention;
  • For audit purposes;
  • For statistical analysis;
  • For credit reference checks;
  • For Electronic Identity Verification.

Our lawful bases for handling your personal data in the above ways are: (1) because it is necessary for performance of a contract with you; (2) because it is a legal obligation upon us; or (3) because we have obtained your consent. Where we are relying upon your consent, you have right to withdraw such consent at any time by emailing our data protection representative.

We collect and process personal data about our clients, prospective clients, referrers, other professionals, suppliers and other third parties and, if applicable, their personnel and other representatives, for the following purposes:

  • the performance of our contractual engagements (or potential contractual engagements) with and services for clients (whether written or verbal and including taking initial steps to deal with enquiries);
  • compliance with legal obligations (for example exchanging information with third parties for the purposes of fraud protection and credit risk reduction);
  • to pursue our legitimate interests of the development of our business (for example retaining contact information for referrers and other professionals for carrying out client services or the mutual development of business opportunities);
  • the establishment, exercise, resolution and/or defence of legal claims; or
  • for direct marketing, which will generally be in pursuance of our legitimate interests or on the basis of your consent (further details are set out below).

We need your basic personal data in order to provide you with an accurate recommendation for your circumstances. The processing of your personal data may be necessary because you have asked us to take specific steps before entering into a contract. You do not have to provide us with personal data we request but if you do not provide us with the required personal data we may not be able to provide the required services to your company.

How we share your information

We may share your personal information with the following:

  • Our employees and officers
  • Commercial lenders
  • Specialist funders
  • Solicitors
  • Valuers
  • Quantity Surveyors
  • Asset Managers
  • Accountants
  • Credit reference agencies
  • Fraud prevention agencies
  • Credit enforcement agencies
  • Data destruction agencies
  • IT support companies and marketing agencies
  • Third party companies and organisations if we are under a duty to disclose your personal data in order to comply with a legal obligation.
  • Third party companies and organisations who offer services that may be of assistance to you where we cannot provide the service you require.
  • Lead suppliers (if a third party introduced you to us);
  • Our insurers, auditors and other professional advisors;
  • Marketing agencies we may engage from time to time;
  • Regulators, government agencies, accreditation bodies and other authorities;
  • Other parties involved in any transaction or prospective transaction in respect of which we carry out our services, such as counterparties, prospective lenders, banks and/or investors, valuers and brokers;
  • In the event that we sell or buy any business or assets, with the prospective seller or buyer of such business or assets and their advisors;
  • If we or substantially all of our assets are acquired by a third party, with such third party and their advisors (as the personal data held by us about our clients will be one of the transferred assets).

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.

Where any of the above third parties are located outside of the European Economic Area (EEA), we will only disclose your personal data to such party provided that the transfer of such data outside of the EEA is undertaken in compliance with the data protection legislation to which we are subject.

For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold about you, please contact us [email protected].

Marketing

From time to time, we would like to contact you by post, email, telephone and text with details of Products, Information, News and Competitions. We will only contact you in this way and for these purposes if you have given your consent.

Please note that your consent to marketing is given by submitting the forms on our website and/or when signing our commission agreement.

If you are (or your employer is) a corporate entity (which generally means a limited company or an LLP), we will process this personal data to send you marketing emails containing news, information about our services and/or future transaction opportunities (as applicable) on the basis of our legitimate interests of the development of our business. We will send you these marketing communications by email unless you tell us that you do not want to continue receiving these marketing communications by contacting us at [email protected] or by following the “opt-out/unsubscribe” option in any marketing communication we send to you.

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.

Where any of the above third parties are located outside of the European Economic Area (EEA), we will only disclose your personal data to such party provided that the transfer of such data outside of the EEA is undertaken in compliance with the data protection legislation to which we are subject.

Where we store your personal data

We have a data protection regime in place to oversee the effective and secure processing of your personal data.

Your data is stored electronically on locally encrypted systems and sometimes on our cloud encrypted server; our server is based in the UK. For the purposes of IT hosting and maintenance, your personal data may be transferred to servers within the European Union.

Paper-based records are kept in locked cabinets in secure office premises. All client files/data are backed up to ensure maximum security of confidential information is maintained.

How long we keep your personal data

Your Personal Data will be retained by us either electronically or in paper form for a minimum period of 6 years following the service you receive from us, although your data could be held for a longer period where this may be needed to meet the requirements of our regulatory bodies.

Other personal data will be retained for no longer than necessary to protect our commercial and operational interests, which include fraud prevention, use in legal proceedings and for taxation purposes.

The information used for marketing will be kept by us until you notify us that you no longer wish to appear on our marketing database.

If you would like more information on our data retention periods, please contact us at [email protected]

What are your rights?

As a Data Subject, you have the following rights:

  • The right to request a copy of all personal data we hold about you (a fee will be payable for excessive requests);
  • The right to request correction of personal data we hold about you if it incorrect or incomplete;
  • The right to deletion of personal data we hold about you where there is no compelling reason for us to continue to hold it;
  • The right to restrict our data processing activities;
  • The right to request transfer of your personal data to a third party;
  • The right to object to processing if the lawful basis is legitimate interest or performance of a task in the public interest or if the processing is direct marketing;
  • The right to file a complaint with the ICO (www.ico.org.uk).

If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Manager at [email protected] who will investigate the matter.