UK's Solutions to Business Finance and Loans

General Privacy Notice

Your personal data - what Is it?

"Personal data" is any information about a living individual which allows them to be identified from that data (for example a name, photographs, videos, email address, or address). Identification can be directly using the data itself or by combining it with other information which helps to identify a living individual (e.g. a list of staff may contain personnel ID numbers rather than names but if you use a separate list of the ID numbers which give the corresponding names to identify the staff in the first list then the first list will also be treated as personal data). The processing of personal data is governed by legislation relating to personal data which applies in the United Kingdom including the General Data Protection Regulation (the "GDPR) and other legislation relating to personal data and rights such as the Human Rights Act.

Who are we?

This Privacy Notice is provided to you by which is the data controller for your data.

We may need to share your personal data we hold with another Finance Company or Finance Broker We will only pass any information to another data controller, with your express permission to obtain Business Finance so that they can carry out their responsibilities to . If we and the other data controllers listed above are processing your data jointly for the same purposes, then and the other data controllers may be "joint data controllers" which mean we are all collectively responsible to you for your data. Where each of the parties listed above are processing your data for their own independent purposes then each of us will be independently responsible to you and if you have any questions, wish to exercise any of your rights (see below) or wish to raise a complaint, you should do so directly to the relevant data controller.

A description of what personal data processes and for what purposes is set out in this Privacy Notice.

will process some or all of the following personal data where necessary to perform its tasks:

  • Names, titles, and aliases, photographs;
  • Contact details such as telephone numbers, addresses, and email addresses;
  • Where they are relevant to the services provided by , or where you provide them to us, we may process information such as gender, age, marital status, nationality, education/work history, academic/professional qualifications, hobbies, family composition, and dependants;
  • Where you pay for activities, financial identifiers such as bank account numbers, payment card numbers, payment/transaction identifiers, policy numbers, and claim numbers;

The personal data we process may include sensitive or other special categories of personal data such as criminal convictions, racial or ethnic origin, mental and physical health, details of injuries, education/treatment received, political beliefs, trade union affiliation, genetic data, biometric data, data concerning and sexual life or orientation.

How we use sensitive personal data

We may process sensitive personal data including, as appropriate:

  • information about your physical or mental health or condition in order to monitor sick leave and take decisions on your fitness for work;
  • your racial or ethnic origin or religious or similar information in order to monitor compliance with equal opportunities legislation;
  • to comply with legal requirements and obligations to third parties.

These types of data are described in the GDPR as "Special categories of data" and require higher levels of protection. We need to have further justification for collecting, storing and using this type of personal data.

We may process special categories of personal data in the following circumstances:

  • In limited circumstances, with your explicit written consent.
  • Where we need to carry out our legal obligations.
  • Where it is needed in the public interest.

Less commonly, we may process this type of personal data where it is needed in relation to legal claims or where it is needed to protect your interests (or someone else's interests) and you are not capable of giving your consent, or where you have already made the information public.

Do we need your consent to process your sensitive personal data?

In limited circumstances, we may approach you for your written consent to allow us to process certain sensitive personal data. If we do so, we will provide you with full details of the personal data that we would like and the reason we need it, so that you can carefully consider whether you wish to consent.

will comply with data protection law. This says that the personal data we hold about you must be:

  • Used lawfully, fairly and in a transparent way.
  • Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes.
  • Relevant to the purposes we have told you about and limited only to those purposes.
  • Accurate and kept up to date.
  • Kept only as long as necessary for the purposes we have told you about.
  • Kept and destroyed securely including ensuring that appropriate technical and security measures are in place to protect your personal data to protect personal data from loss, misuse, unauthorised access and disclosure.

We use your personal data for some or all of the following purposes:

  • To deliver products / services including to understand your needs to provide the services that you request and to understand what we can do for you and inform you of other relevant services;
  • To confirm your identity to provide some services;
  • To contact you by post, email, telephone or using social media (e.g., Facebook, Twitter, WhatsApp);
  • To help us to build up a picture of how we are performing;
  • To prevent and detect fraud and corruption in the use of public funds and where necessary for the law enforcement functions;
  • To enable us to meet all legal and statutory obligations and powers including any delegated functions;
  • To carry out comprehensive safeguarding procedures (including due diligence and complaints handling) in accordance with best safeguarding practice from time to time with the aim of ensuring that all children and adults-at-risk are provided with safe environments and generally as necessary to protect individuals from harm or injury;
  • To promote the interests of;
  • To maintain our own accounts and records;
  • To seek your views, opinions or comments;
  • To notify you of changes to our facilities, services, events and staff and other role holders;
  • To send you communications which you have requested and that may be of interest to you.

These may include information about campaigns, appeals, other new projects or initiatives;

  • To process relevant financial transactions including grants and payments for goods and services supplied to
  • To allow the statistical analysis of data so we can plan the provision of services.

Our processing may also include the use of CCTV systems for the prevention and prosecution of crime.

What Is the legal basis for processing your personal data?

We may process personal data if it is necessary for the performance of a contract with you, or to take steps to enter into a contract.

Sometimes the use of your personal data requires your consent. We will first obtain your consent to that use.

Sharing your personal data

This section provides information about the third parties with whom may share your personal data. These third parties have an obligation to put in place appropriate security measures and will be responsible to you directly for the manner in which they process and protect your personal data. It is likely that we will need to share your data with some or all of the following (but only where necessary):

  • The data controllers listed above under the heading "Other data controllers works with";
  • Our agents, suppliers and contractors. For example, we may ask a commercial provider to publish or distribute newsletters on our behalf, or to maintain our database software;
  • On occasion, other companies or not for profit bodies with which we are carrying out joint ventures e.g. in relation to facilities or events for the community.

How long do we keep your personal data?

We will keep some records permanently if we are legally required to do so. We may keep some other records for an extended period of time. For example, it is currently best practice to keep financial records for a minimum period of 8 years to support HMRC audits or provide tax information.

is permitted to retain data in order to defend or pursue claims. In some cases the law imposes a time limit for such claims (for example 3 years for personal injury claims or 6 years for contract claims). We will retain some personal data for this purpose as long as we believe it is necessary to be able to defend or pursue a claim. In general, we will endeavour to keep data only for as long as we need it. This means that we will delete it when it is no longer needed.

Your rights and your personal data

You have the following rights with respect to your personal data:

When exercising any of the rights listed below, in order to process your request, we may need to verify your identity for your security. In such cases we will need you to respond with proof of your identity before you can exercise these rights.

  • The right of access personal data we hold on you
    • At any point you can contact us to request the personal data we hold on you as well as why we have that personal data, who has access to the personal data and where we obtained the personal data from. Once we have received your request we will respond within one month.
    • There are no fees or charges for the first request but additional requests for the same personal data or requests which are manifestly unfounded or excessive may be subject to an administrative fee.
  • The right to correct and update the personal data we hold on you.
    • If the data we hold on you is out of date, incomplete or incorrect, you can inform us and our data will be updated.
  • The right to have your personal data erased
    • If you feel that we should no longer be using your personal data or that we are unlawfully using your personal data, you can request that we erase the personal data we hold. When we receive your request we will confirm whether the personal data has been deleted or the reason why it cannot be deleted (for example because we need it for to comply with a legal obligation).
  • The right to object to processing of your personal data or to restrict It to certain purposes only.
    • You have the right to request that we stop processing your personal data or ask us to restrict processing. Upon receiving the request we will contact you and let you know if we are able to comply or if we have a legal obligation to continue to process your data.
  • The right to data portability.
    • You have the right to request that we transfer some of your data to another controller. We will comply with your request, where it is feasible to do so, within one month of receiving your request.
  • The right to withdraw your consent to the processing at any time for any processing of data to which consent was obtained
    • You can withdraw your consent easily by telephone, email, or by post (see Contact Details below).
  • The right to lodge a complaint with the Information Commissioner's Office.
    • You can contact the Information Commissioners Office on 0303 123 1113 or via email https://ico.org.uk/global/contact-us/email/ or at the Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.

Transfer of Data Abroad

Any personal data transferred to countries or territories outside the European Economic Area ("EEA") will only be placed on systems complying with measures giving equivalent protection of personal rights either through international agreements or contracts approved by the European Union. Our website is also accessible from overseas so on occasion some personal data (for example in a newsletter) may be accessed from overseas.

Further processing

If we wish to use your personal data for a new purpose, not covered by this Privacy Notice, then we will provide you with a new notice explaining this new use prior to commencing the processing and setting out the relevant purposes and processing conditions. Where and whenever necessary, we will seek your prior consent to the new processing.

Changes to this notice

We keep this Privacy Notice under regular review and we will place any updates on this website. This Notice was last updated in May 2019.

Contact Details

Please contact us if you have any questions about this Privacy Notice or the personal data we hold about you or to exercise all relevant rights, queries or complaints at:

Mark Smillie 0800 612 5364 or mark@ringrosebusinessfinance.co.uk
Ringrose & Co Ltd
14th Floor, Lyndon House,32 Hagley Road, Birmingham B16 8PE

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Why Our Clients Use Us

"Having used brokers before, I didn't expect Mark at Ringrose Business Finance to achieve a better interest rate than I could get from a bank directly. But he definitely delivered with a brilliant rate of 5.4% - I thought it would be 10%. And the loan was all sorted out within a week. Fantastic service - I'm glad I decided to give Mark a chance."  

Simon Jewell

Director, The Pilot Inn

UK Acoustic Systems Ltd are recognised as one of the leading providers of soundproofing and sound absorption solutions for the commercial, leisure, educational and residential sectors

I have used Mark Smillie for business finance for the last 3 years, he surrounds himself with a contact list of "Can Do People", apart from business finance I have found Mark a very good sounding board for various business matters. He is also a pleasure to deal with, I cannot recommend Mark highly enough.

Mark Wilkins

Uk Acoustics Systems Ltd

We are a market leader in CCTV and supply Worldwide, when we take on new work we always wish to have suitable finance in place. We have been receiving Mark's emails for some time, I rang him on a Tuesday. He said he would make this as painless as possible, we had an approval on Wednesday morning and funds in our account on the friday. My time is valuable to me and I like dealing with people who excel in giving their clients excellent service as we do.

Steve Baker

Genie CCTV Ltd.

"In my constant strive to make my restaurant the best it possible can be, I occasionally need business finance. Should your business need finance I can recommend Mark Smillie he knows how to get the job done."

Fernando Stovell

Stovell's the Waitrose Good Food Restaurant of the year for the South East, and with four AA rosettes.

My experience of Mark is getting to grips with a distressed situation, quickly and effectively ; and making common sense recommendations on how to take forward ( or sideways ; as the case may be )

Mike Stubbs

Partner at Mishcon de Reya

We are well established profitable boutique post production company in Soho, we applied to the Bank for a facility prior to speaking to Mark Smillie, with his assistance, we now have finance in place and still have not heard back from the Bank.
If you are looking for business finance without the hassle then give Mark a call.

David Tasker

Platform Post Production Ltd

We first spoke to Mark Smillie over a year ago with regard to Finance which he arranged quickly and easily for us. What impressed us again when we spoke to him about two weeks ago, was that like our Company philosophy he truly cares about delivering the best services possible, we wish him well and it is great dealing with people who genuinely care.

Andrew Kirkey

OSV Limited-Professionals in Vehicle Supply

We started three years ago and provide "Quality Plastering and Rending Services", our focus has been on quality and doing the best possible job. Our reputation for quality and finishing on time is now bringing in much larger contracts.
I approached a leading builder and devloper and he told me there was one person to go to for business finance.
I spoke with Mark Smillie on Tuesday morning, he told me about a new type of business finance. I applied on Wednesday evening, mark contacted the CEO of the finance company and we were given an excellent line of credit at a great interest rate on the Friday morning of the same week. I struggle to believe it was that quick and easy,
I can confirm Mark is the "Go to guy for business finance"

Aaron Fox

C&A Finishes Ltd