Website Privacy Policy

We, One Funding Ltd trading as MV Asset Finance, are committed to protecting your personal data. This privacy policy sets out how we, One Funding Ltd, handle the personal data which we hold including the personal data which we collect when you use this website It also explains your privacy rights and how the law protects you including how we comply with the General Data Protection Regulation (“GDPR”) and other related legislation which relates to the use of personal data. Additional information may be provided on particular pages of this website for example, on any specific pages where we collect personal data and you should also refer to those. We also operate cookies on our website and information about that is also provided separately in our Cookies Policy.

Purpose Of This Policy

This privacy policy aims to give you information on how we collect and process your personal data, including any data you may provide through this website or when you otherwise get in touch, for example by telephone. It is important that you read this privacy policy together with any other statements or fair processing notices we may provide on specific occasions when we collect or process personal data so that you are fully aware of how and why we are using your data. This privacy policy supplements those other notices and is not intended to override them.

Contacting Us

One Funding Ltd is the controller and responsible for your personal data. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact us, using the following details: By Email: enquiries@onefunding.co.uk By Post: One Funding Ltd, Mansell House, Aspinall Close, Bolton, BL6 6QQ You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Your Obligations

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us. If you provide us with information about any other person, for example any other individuals within your organisation or your business partners, then you must ensure that you have their consent to pass those details to us and for us to use those details in accordance with this privacy policy. You should also make sure that you bring this privacy policy to their attention.

Third-Party Links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. You should read any policies and other statements on such websites carefully.

Information We Collect About You & How We Use It

Personal data means any information about an individual from which that person can be identified. It does not include data which has been anonymised such that a person’s identity is removed. The following table explains the types of personal data which we may collect, use, store and transfer. We will only use your personal data when the law allows us to. The table below also explains the purposes for which we use different categories of personal data and the legal basis or bases which we believe applies to those uses. We may process your personal data for more than one lawful basis depending on the specific purpose for which we are using your data. In addition, we may disclose information about you to the extent that we are required to do so by law, in connection with any legal proceedings or prospective legal proceedings, in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk) and/or where we may otherwise do so in accordance with applicable data protection legislation.

Purpose	Types of Personal Data Used	Lawful Basis For Processing
To open and administer the account which the organisation you represent has with us, for example to provide services and deal with invoicing, as well as for our internal record keeping. To process your application for an account with us, or to make changes to or renew your account with us, we will disclose your data to third party credit reference agencies and to any trade referees who you may refer us to, so that we can take up appropriate references and perform necessary checks.	Identity and Contact Data, such as your name, role in the business, and business contact email and phone number. Financial Data such as bank account details, credit history information, and details of trade referees.	Necessary for the performance of the contract that will be in place between us, and for our legitimate interest in ensuring that the services we provide are managed, such as to recover debts due to us.
To manage the relationship which we have with the organisation you represent, such as answering any enquiry or complaint you have raised or dealing with any enquiries or complaints.	Identity and Contact Data.	Necessary for the performance of the contract that will be in place between us, and our legitimate interest in providing our website and customer service to you.
To administer this website, including troubleshooting, data analysis, testing, system maintenance and support.	Identity and Contact Data Technical Data including internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website. This may also include information about how you use our website and our services. Profile Data such as username and password details, demographic postcode preferences and interests, and information such as your and in some instances feedback and survey responses.	Necessary for our legitimate interests in providing and improving our website and customer service to you, to improving the services we offer you and to ensuring our website operates properly and for network security.
To send you promotional information about new services, special offers or other information which we think you may find interesting.	Identity and Contact Data Technical Data Profile Data Marketing and Communications Data such as preferences in receiving marketing from us and our third parties and your communication preferences.	Necessary for our legitimate interest in developing marketing and promoting our services.
To ensure our third party service providers can perform their obligations to us.	Identity and Contact Data Technical Data Profile Data Financial Data	Necessary for our legitimate interest in ensuring that our third party providers such as external consultants and contractors, such as IT providers and marketing consultants, are able to provide those services.
To transfer personal data to third parties for the proper operation of our business	Identity and Contact Data Technical Data Profile Data Marketing	Necessary for our legitimate interests for example to transfer to third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. If a change happens to our business, the new owners may use your personal data in the same way as set out in this notice.
To deal with new enquiries and contacts.	Identity and Contact Data Financial Data	Necessary for our legitimate interests in the operation of our business in order to be able to respond to and deal with new enquiries.

 

How Is Your Personal Data Collected?

Most of the personal data which we hold is collected directly through the website, by email, over the phone or through face to face interactions and will be directly from you or in some cases might be provided by your colleagues. For example, you might provide certain identity information by completing one of our online forms such as our “Contact” page in order to make an enquiry with us, or by registering for / administering an account which we have with the organisation that you represent, or if request marketing information from us or provide us with feedback.

Some of the technical data which we collect may be collected automatically as you interact with our website for example via the use of cookies and similar technologies.

We may also receive personal data about you from third parties. For example, if you apply to hire a vehicle from us, we may receive Financial Data from credit reference agencies so that we may assess your application. This may include public information (including from the electoral register), shared credit information, financial history information and fraud prevention information. We will use this information to assess your creditworthiness and whether you can afford the service you are applying for, verify the information you have provided to us, prevent criminal activity, fraud and money laundering, manage your account, trace and recover debts, and ensure any offers provided to you are suitable for your circumstances.

Data Retention

One Funding will only retain personal data for as long as necessary to fulfil the purposes it was originally collected for, including, for the purposes of satisfying any legal, accounting or reporting requirements, and for a maximum of up to six years after an organisation and/or individual ceases to have an account with us.

If You Fail to Provide Personal Data

Where we need to collect personal data by law, under the terms of a contract we have with the organisation you represent or for another lawful reason and you fail to provide that data, we may not be able to fully perform our obligations in accordance with our contract, provide you with the information you require or otherwise properly deal with your request.

Automated Decision-Making

We may use your personal data for automated decision-making processes, such as credit scoring, to assess applications. The credit scores we use are provided by a credit reference agency, such as Experian, and are calculated based on the personal data we share with that credit reference agency and other personal data about you which that third party might hold. This process helps us to make fair and reasonable leasing decisions. The types of information we use to make automated decisions are:

• Information you provide to us (e.g. on an order form)
• Information about previous transaction history which we or a credit reference agency may hold about you (e.g. any payment arrears)
• Public records information (e.g. insolvency records)

Depending upon the credit score you receive, we may accept or decline your application to hire a vehicle(s). If you would like to request that a declined application be reconsidered, please contact mail@onefunding.co.uk.

Marketing & Promotions

From time to time we may use your data including identity and contact data, technical data and profile data and marketing and communications data, to contact you with information about our products and services. You will receive marketing communications from us if you have agreed to be included on our marketing database or in some cases where the organisation which you represent has purchased goods or services from us. The type and content of marketing messages subscribers receive, and if it may contain third party content, is clearly outlined at the point of subscription. Email marketing messages may contain tracking beacons / tracked clickable links or similar server technologies in order to track subscriber activity within email marketing messages. Where used, such marketing messages may record a range of subscriber data relating to engagement, geographic, demographics and already stored subscriber data. You can ask us or third parties to stop sending you marketing messages at any time by logging into the website and selecting the relevant marketing preference or by following the opt-out links on any marketing message sent to you or by contacting us at any time.

Change Of Purpose

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please also note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law. If you would like further information about how we use personal data and the purpose which we might use it for, please contact us.

Disclosures Of Your Personal Data

We may share your personal data with third parties for the purposes set out in the table above. For example, we may share your personal data with credit reference agencies, such as Experian, so that we may acquire appropriate references and perform necessary credit checks, in order to process your application. They will also give us information about you, such as about your financial history.

We will also continue to exchange information about you with credit reference agencies on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. Credit reference agencies will share your information with other organisations. Your information will be linked to that information of your spouse, and joint applicants or other financial associated.

When credit reference agencies receive a search from us, they will place a search footprint on your credit file which may be seen by other organisations.

The identity of the credit reference agencies and the ways in which they use and share personal information, are explained in more detail at https://www.experian.co.uk/crain/index.html. We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

International Transfers

One Funding does not itself transfer your personal data outside of the United Kingdom and European Economic Area, however third parties to whom we transfer your personal data may do so. For example, credit reference agencies may transfer your personal data on an occasional and temporary basis to their third party suppliers of technology services in order to support or maintain the services they provide to us.

Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. However, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet. You are responsible for keeping your password and user details confidential. We will not ask you for your password at any time.

In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know it. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. Those rights are listed below. Please contact us if you would like to exercise any of them. You have the right to:

Request access to your personal data (a “data subject access request”). This means you can receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

Request correction of your personal data: This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request erasure of your personal data. You can ask us to remove personal data where there is no good reason for us continuing to process it. You also have this right where you have successfully exercised your right to object to processing, where we may have processed your data unlawfully or where we are required to erase your personal data to comply with law. We may not always be able to comply with your request where there are particular legal reasons.

Object to processing of your personal data where we rely on a legitimate interest basis and if the processing impacts on your fundamental rights and freedoms. You can also object to direct marketing. In some cases, we may demonstrate that we have grounds to process your data which override your rights and freedoms.

Request restriction of processing. You can ask us to suspend the processing of your personal data: if you want us to establish the data’s accuracy; where our data use is unlawful but you do not want us to erase it; where you need us to hold the data even if we no longer need it, to establish, exercise or defend legal claims; or you have objected to use of data but we need to verify whether we have overriding legitimate grounds to use it.

Request a data transfer.

We will provide to you, or your chosen third party, your personal data in a structured, commonly used, machine readable format. This only applies to automated information which you provided consent for us to use or necessary to perform a contract with you.

Withdraw consent at any time where we rely on consent to process your personal data. This will not affect the lawfulness of processing carried out before you withdraw your consent.

Exercising Your Rights

You will not have to pay a fee to access your personal data (or to exercise any other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure personal data is not disclosed to a person who has no right to receive it. We may also contact you to ask you to clarify your request to speed up our response.

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests in which case we will keep you updated.