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About A&T

A&T Business Associates Limited is a Commercial Financial Broker and Business Consultancy offering financial advice and assistance to small and medium-sized businesses.

We are fully independent and enjoy a good working relationship with the High Street lenders as well as a wide variety of specialist providers.

We carry out a full financial review of your business in order to ensure that your financial arrangements are the most suitable solutions. If you need to obtain funding or reorganise existing funding we will find you a competitive provider so that you know you are getting the best value for money and also the most appropriate finance available to you. We want you to be able to focus on running your business safe in the knowledge that you are using your money in the most efficient way possible.

We are an independent business and take great pride in building up a trusting and worthwhile relationship with our clients. We treat each client as an individual and take the time and trouble to provide a personalised service arranging finance unique to each client.

A & T Business Associates Limited Company Number 6747280 – Registered Office 2 Plantation Way Worthing West Sussex BN13 2AF

A & T Business Associates Limited –  Privacy Notice

Who we are

A & T Business Associates Limited are Commercial Finance Brokers based in Storm House 4 Union Place Worthing West Sussex BN11 1LG. We act as an advisor and broker for our customers. A & T Business Associates Limited are Authorised and Regulated by the Financial Conduct Authority. FRN 737345

How we will use the information about you

Here at A & T Business Associates Limited we take your privacy seriously and will use your personal information in several ways which will help us;

1. make lender decisions,

2. for fraud prevention,

3. for audit,

4. for statistical analysis,

5. credit reference checks

We may share your information with, and obtain information about you from, credit reference agencies or fraud prevention agencies.

We will not disclose your information to any company outside of an financial provider who we may introduce your business to except to help prevent fraud or if required by law to do so.

For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold on you, please contact info@atbusinessassociates.co.uk

Additional Marketing

However, from time to time we would like to contact you with detail of other services we provide. If you consent to us contacting you for this purpose please tick to say how you would like us to contact you.

☐ Post

☐ Email

☐ Phone

Your Personal Data:

What we need

A & T Business Associates Limited will be what is known as the ‘controller’ and the ‘processer’ of the personal data you provide to us. We collect personal data about you which may also include any special types of information or location-based information.

We also gather

name, address, email, dependents, financial status, financial accounts, bank statements and details of any other financial agreements.

Why we need it

We need to know your basic personal data to provide you with an accurate recommendation for your personal circumstances. We will not collect any personal data from you we do not need to provide and oversee this service to you.

For processing of data to be lawful under GDPR, A & T Business Associates Limited use;

(a) Consent: the individual has given clear consent for you to process their personal data for a specific purpose.

(b) Contract: the processing is necessary for a contract you have with the individual, or because they have asked you to take specific steps before entering into a contract.

(c) Legal obligation: the processing is necessary for you to comply with the law (not including contractual obligations).

(d) Legitimate interests: the processing is necessary for your legitimate interests or the legitimate interests of a third party unless there is a good reason to protect the individual’s personal data which overrides those legitimate interests. (This cannot apply if you are a public authority processing data to perform your official tasks.)

What we do with it

Automated Decision Making: A & T Business Associates Limited will pass your data captured to lenders, funders or banks, whom may use automated decision-making in respect of your application for finance. We will only collect the minimum amount of data needed and have a clear retention policy for the profiles we create.

You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or any significant affects. You can request human intervention and challenge a decision made this way by contacting A & T Business Associates Limited via info@atbusinessassociates.co..uk or by post at A & T Business Associates Limited, Storm House, 4 Union Place  Worthing West Sussex BN11 1LG or by phone on 01903 602211.

All the personal data we use is controlled by A & T Business Associates Limited in the UK, however, for the purposes of IT hosting and maintenance, this information is located on servers within the European Union. No 3rd parties have access to your personal data unless the law allows them to do so.  We have a Data Protection regime in place to oversee the effective and secure processing of your personal data. More information on this framework can be found www.atbusinessassociates.co.uk.

We may pass your data to Lenders, Funder and Banks  to provide you with offers of products suitable to meet your customer requirements.

Your data is stored electronically on our cloud encrypted server. Our server is based in the UK

How long we keep it

We are required under FCA Regulations to keep your basic personal data, such as name, address, contact details and any financial information supplied for a minimum of 6 years, after which time it will be destroyed. The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.

What are your rights?

If at any point you believe retained information is incorrect you can request to see this information and even have it corrected and possibly deleted. Providing you with this information is free of charge, but charges may apply for excessive requests.

If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Officer – Tony Hedger who will investigate the matter.

Where relevant, you have the right to withdraw consent and object at any time and this means that we cannot process your data provided without your consent.

More information about your rights can be found on the Information Commissioners website. https://ico.org.uk/

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office (ICO).

Our Data Protection Officer is Tony Hedger and you can contact them at tony.hedger@atbusinessassociates.co.uk.

We will share your details with the [Funders, Lenders or Banks we discuss your request with, so that they process your information, allowing A & T Business Associates Limited  to offer suitable and sustainable products that they provide.

Please email info@atbusinessassociates.co.uk for a copy of the policy