Rutland Finance Ltd - Customer Privacy Notice
This privacy notice tells you what to expect us to do with your personal information.
Contact details
Post: 17 Owston Road, Knossington, Oakham, Rutland, LE15 8LX.
Telephone: 07974 578211
Email: hilary@rutlandfinance.co.uk
What information we collect, use, and why
We collect or use the following personal information for the operation of client or customer accounts:
• Names and contact details
• Addresses
• Purchase or service history
• Account information, including registration details
Lawful bases and data protection rights
Under UK data protection law, we must have a “lawful basis” for collecting and using your personal information. There is a list of possible lawful bases in the UK GDPR. You can find out more about lawful bases on the ICO’s website.
Which lawful basis we rely on may affect your data protection rights which are set out in brief below. You can find out more about your data protection rights and the exemptions which may apply on the ICO’s website:
• Your right of access - You have the right to ask us for copies of your personal information. You can request other information such as details about where we get personal information from and who we share personal information with. There are some exemptions which means you may not receive all the information you ask for.
• Your right to rectification - You have the right to ask us to correct or delete personal information you think is inaccurate or incomplete.
• Your right to erasure - You have the right to ask us to delete your personal information.
• Your right to restriction of processing - You have the right to ask us to limit how we can use your personal information.
• Your right to object to processing - You have the right to object to the processing of your personal data.
• Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you.
• Your right to withdraw consent – When we use consent as our lawful basis you have the right to withdraw your consent at any time. If you make a request, we must respond to you without undue delay and in any event within one month.
To make a data protection rights request, please contact us using the contact details at the top of this privacy notice.
Our lawful bases for the collection and use of your data
Our lawful bases for collecting or using personal information for the operation of client or customer accounts are:
• Consent - we have permission from you after we gave you all the relevant information. All ofyour data protection rights may apply, except the right to object. To be clear, you do have the right to withdraw your consent at any time.
• Legitimate interests – we’re collecting or using your information because it benefits you, our organisation or someone else, without causing an undue risk of harm to anyone. All of your data protection rights may apply, except the right to portability. Our legitimate interests are:
o Personal information regarding clients such as DOB, phone number, email, home address, previous addresses, National Insurance Number, Driving Licence, passport number, payslips, bank statements and bank account details and sources of income may be held by Rutland Finance Ltd for the purposes of identification verification and loan affordability and to carry out credit checks on potential clients and current clients (with their express approval). This data is held securely and not shared with any third party - other than our retained solicitors who may use ID information to carry out their necessary identification verification requirements. The benefits of holding this information allow us to ensure that any lending is appropriate and affordable and that we can monitor any accounts for potential signs of default and to allow early intervention and assistance. This data is never held on any shared network or used for marketing purposes.
For more information on our use of legitimate interests as a lawful basis you can contact us using the contact details set out above.
Where we get personal information from
• Directly from you
• Publicly available sources
• Credit reference agencies
How long we keep information
• Financial Records: Retained for a minimum of 6 years to comply with accounting and tax regulations.
• Customer Records: Retained for 2 years after the end of the customer relationship to fulfill business and legal obligations.
• Email and Communication: Retained for 4 years unless subject to specific legal or business requirements.
• Contracts and Agreements: Retained for 6 years after the expiration of the contract to meet legal and business needs.
• Regulated Data: Retained according to specific regulatory requirements applicable to the type of data.
For more information on how long we store your personal information or the criteria we use to determine this please contact us using the details provided above.
Who we share information with
Others we share personal information with
• Professional or legal advisors
How to complain
If you have any concerns about our use of your personal data, you can make a complaint to us using the contact details at the top of this privacy notice.
If you remain unhappy with how we’ve used your data after raising a complaint with us, you can also complain to the ICO.
The ICO’s address:
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire
SK9 5AF. Tel: 0303 123 1113. https://www.ico.org.uk/make-a-complaint
Last updated: 14th July 2025
3 July 2025
