We have summarised the rights that you have under data protection law. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.
Your principal rights under data protection law are:
12.1 the right to access
12.2 the right to rectification
12.3 the right to erasure
12.4 the right to restrict processing
12.5 the right to withdraw consent
12.6 the right to complain to a supervisory authority
12.1 The right to access
You have the right to confirmation as to whether or not we process your personal data and, where we do, access to the personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal data. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.
If your information has been passed over to our lenders you will need to contact them requesting the information they will hold about you.
12.2 The right to rectification
You have the right to have any inaccurate personal data about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.
If your information has been passed over to our lender/s you will need to contact them requesting them to correct any inaccurate information they might hold about you.
12.3 The right to erasure
In some circumstances you have the right to the erasure of your personal data without undue delay.
Those circumstances include:
- the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed
- you withdraw consent to consent-based processing;
- you object to the processing under certain rules of applicable data protection law
- the processing is for direct marketing purposes;
- the personal data have been unlawfully processed
However, there are exclusions of the right to erasure.
The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims
If your information has been passed over to our lender/s you will need to contact them requesting to exercise your right to erasure, regarding the information they hold about you.
12.4 The right to restrict processing
In some circumstances you have the right to restrict the processing of your personal data.
Those circumstances are:
- you contest the accuracy of the personal data
- processing is unlawful but you oppose erasure
- we no longer need the personal data for the purposes of our processing, but we require personal data for the establishment, exercise or defence of legal claims
- you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data.
However, we will only otherwise process it: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest
If your information has been passed over to our lender/s you will need to contact them requesting to exercise your right to restrict processing, regarding the information they hold about you
12.5 The right to Withdraw Consent
To the extent that we need to gain your consent for direct marketing purposes, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.
If your information has been passed over to our lender/s you will need to contact them requesting to exercise your right to withdraw consent, regarding the information they hold about you and any other consent you may have provided to them over the use of your information.
12.6 The right to complain to a supervisory authority
If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection, the Information Commissioners office. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.
You may also lodge a complaint directly with us by emailing us at:firstname.lastname@example.org, or write to us at: Unit 1, Castle Court 2, Castlegate Way, Dudley, West Midlands DY1 4RH. Alternatively, you can telephone 02039159994