Our Commitment to your Privacy

Your trust is important to us. This Privacy Policy explains how UK Agricultural Finance Ltd (“we”, “us”, “our”) collects, uses, stores, and protects your personal data, and sets out your rights under UK data protection law. We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. We may update this policy from time to time. The most recent version is available on request.

Who We Are
For the purposes of UK GDPR, UK Agricultural Finance Ltd is the data controller.

Registered Office:
Unit B, Great Hollanden Farm Business Centre
Mill Lane
Underriver
Kent, TN15 0SQ

What Is Personal Data?
Personal data is any information that relates to an identified or identifiable individual. This includes factual information, opinions, and expressions of intention. It does not include anonymised data where an individual can no longer be identified.

Personal Data We Collect
We may collect and process the following categories of personal data:

  • Contact details (name, address, email address, telephone number.)
  • Date of birth, nationality, country of birth, country of residence.
  • Employment status and income details.
  • Tax identification information (e.g. National Insurance number.)
  • Identity documents (passport, driving licence, utility bills.)
  • Details of services requested or provided.
  • Information from financial crime prevention and credit reference agencies.
  • Electoral Register information.
  • Source of wealth and financial background information.
  • Website usage and technical data (IP address, browser type, analytics data.)

In some cases, you are legally required to provide certain information. If you do not, we may be unable to provide our services.

When We Collect Your Data

We collect personal data when you:

  • Visit our website.
  • Sign up to our terms of business or apply for our services.
  • Contact us by phone, email, or other means.
  • Engage with us on social media or professional platforms.
  • Allow third parties to share information with us.
  • Correspond with us (records of correspondence may be retained.)

How We Use Your Personal Data

We use your personal data to:

  • Verify identity and comply with anti-money laundering, counter-terrorist financing, and fraud
    prevention laws.
  • Assess affordability and creditworthiness where relevant.
  • Provide services and meet contractual obligations.
  • Communicate with you regarding services or changes.
  • Respond to enquiries, complaints, and requests.
  • Provide marketing communications where you have given consent.
  • Meet legal, regulatory, and compliance obligations.

If you withdraw consent or fail to provide required information, some services may not be available.

Lawful Bases for Processing

We process your personal data under one or more of the following lawful bases (Article 6 UK GDPR):

  • Consent – you have given clear permission.
  • Contract – processing is necessary to deliver agreed services.
  • Legal obligation – processing is required by law.
  • Legitimate interests – necessary for our business, without overriding your rights.

Credit Reference and Affordability Checks

To help us assess applications, prevent fraud, and meet our legal and regulatory obligations, we may obtain information about you from credit reference agencies (CRAs). We obtain this information via Creditsafe, which uses its data partner TransUnion to supply consumer credit and identity data.

  • Creditsafe Business Solutions Limited is authorised and regulated by the Financial Conduct Authority
    (FCA Firm Reference Number: 742313)
  • TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority
    (FCA Firm Reference Number: 805757)

The information we receive may include data relating to your identity, credit commitments, payment history, and public record information. This data is used solely for legitimate business purposes including affordability assessment, creditworthiness checks, identity verification, and fraud prevention, in accordance with applicable data protection legislation.

Further information about how Creditsafe and TransUnion process your personal data can be found in their privacy notices:

  • Creditsafe Transparency Notice: https://www.creditsafe.com/gb/en/legal/privacy.html
  • TransUnion CRAIN (Credit Reference Agency Information Notice): https://www.transunion.co.uk/legal/privacy-centre/pc-credit-reference
  • TransUnion Bureau Privacy Notice: https://www.transunion.co.uk/legal/privacy-centre/pc-bureau

Automated Processing and Decision-Making

We may use automated systems and tools to support certain business processes, such as risk assessment, fraud prevention, affordability checks, identity verification, and record management.

These tools may analyse personal data using predefined criteria or rules to generate indicators, scores, or recommendations. However, we do not make decisions that have a legal or similarly significant effect on individuals based solely on automated processing.

Any such decisions are subject to meaningful human review. The use of automated tools may influence the speed or level of review applied to an application or request, but individuals will not be subject to automatic rejection or other adverse decisions without human involvement.

Who We Share Your Data With

We may share your personal data with trusted third parties, including:

  • Professional advisers (auditors, accountants, solicitors, compliance consultants.)
  • Fraud prevention and financial crime agencies.
  • Credit reference agencies, where required.
  • IT and technology service providers.
  • Third parties involved in delivering services to you.
  • Regulators, authorities, or law enforcement where required by law.
  • Buyers or sellers in the event of a business sale or asset transfer.

We do not sell your personal data.

International Data Transfers

Your personal data may be transferred outside the UK or EEA. Where this occurs, we ensure appropriate safeguards are in place, including:

  • Transfers to countries with adequacy regulations.
  • Approved standard contractual clauses.
  • Anonymisation of your data.

All reasonable steps are taken to keep your data secure.

Data Security

We use appropriate technical and organisational measures to protect personal data, including secure systems and restricted access controls. While no method of transmission over the internet is completely secure, we maintain strict safeguards once data is received.

Data Retention

We retain personal data only for as long as necessary to:

  • Provide our services.
  • Comply with legal, tax, and regulatory obligations.
  • Establish, exercise, or defend legal claims.

Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data (Subject Access Request.)
  • Be informed about how your data is used.
  • Rectify inaccurate or incomplete data.
  • Request erasure of your data, unless we are required to retain it for regulatory or liability purposes.
  • Restrict processing.
  • Object to processing.
  • Data portability.
  • Not be subject to automated decision-making.
  • Withdraw consent at any time.

Requests are normally completed within one month and are free of charge unless unfounded or excessive.

Cookies

Our website uses cookies to improve functionality and user experience. You can control or disable cookies through your browser settings. Disabling cookies may affect website performance.

Contact and Complaints

If you have questions about this Privacy Policy or wish to exercise your rights, please contact:

Data Protection Officer

UK Agricultural Finance Ltd
Unit B, Great Hollanden Farm Business Centre
Mill Lane
Underriver
Kent, TN15 0SQ

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO):
https://www.ico.org.uk