Privacy Policy

1. Introduction

1.1 Buzz Capital (“Buzz, “We” “us”, “our”) takes the protection of your privacy and personal data seriously. The purpose of this Privacy Policy is to inform you about the types of information we gather online about you when you visit www.buzzcapital.co.uk website (the “Website”), how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, that information. By using the Website, you consent to this Privacy Policy. If you do not accept the terms of this Privacy Policy, do not use the Website.

1.2 Please note that, unless specified herein, the definitions used in this Privacy Policy are defined in the Terms and Conditions.

1.3 For the purpose of the Data Protection Act 1998 (the “Act”), the data controller is Buzz Capital Services Limited.

2. Information we may collect from you

  • We may collect and process the following data about you:
  • technical information: this will include information such as the Internet protocol (IP) address used to connect your computer to the Internet, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit: this will including the full Uniform Resource Locators (URL) clickstream to, through and from our Website (including date and time); page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page;
  • personal information if voluntarily provided by you, including name and email addresses as may be provided by you by email or telephone when contacting us or creating user profiles; and
  • statistical information about your visit to the Website including the pages you visited and which browsers are used to visit the Website.

3. Use of information

3.1 We may use information held about you in the following ways:

  • to administer the Website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • to improve the Website to ensure that content is presented in the most effective manner for you and for your computer; and
  • as part of our efforts to keep the Website safe and secure.

3.2 At times, we may utilise e-mail and your personal information to provide you with information that you have requested.

4. Disclosure

4.1 We may share your personal information with:

  • any member of the Buzz Capital group, including our parent, subsidiaries and associates
  • directors, consultants, agents and employees of the Buzz Capital group;
  • affiliates of Buzz Capital;
  • analytics, platform and search engine providers that assist us in the improvement and optimisation of the Website, including Lead Forensics and Google Analytics; and
  • credit reference agencies for the purposes outlined in clause 5 herein.

4.2 We may also disclose your personal information to third parties:

  • in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets or their advisors;
  • if we or substantially all of our assets are acquired by a third party, in which case personal data held by it, including about its investors will be one of the transferred assets; and
  • if we are under a duty to disclose or share your personal data by law or in order to comply with any legal obligation, or in order to enforce or apply the Terms and Conditions, or to protect the rights, property, or safety of the Buzz Capital group.

4.3 The personally identifiable information that you provide to us may be accessed by (or given to) our consultants and employees working outside the United Kingdom and the third parties referred to above, some of whom may be located outside the European Economic Area. Countries outside the European Economic Area may not necessarily have adequate data protection laws. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your personal data is treated securely and in accordance with this Privacy Policy. The personal data that we collect from you will be retained for as long as necessary to fulfil the purposes for which the information was collected or as required by law.

4.4 In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. We will use this information to:

  • Assess your creditworthiness and whether you can afford to take the product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, fraud and money laundering;
  • Manage your account(s);
  • Trace and recover debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organizations by CRAs.

When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.experian.co.uk/crain.

CRAIN is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same CRAIN document: Callcredit www.callcredit.co.uk/crain; Equifax www.equifax.co.uk/crain; Experian www.experian.co.uk/crain.

5. Your rights

The Website may, from time to time, contain links to and from third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and terms & conditions and we do not accept any responsibility or liability for these policies or their terms & conditions. We suggest that you carefully review the terms and conditions of use, and privacy policies, of each website that you visit before you submit any personal data to these websites. This Privacy Policy does not cover the information practices of those websites linked to from our Website. Other websites may send their own cookies to users, collect data, or solicit personal information.

6. Access to information

The Act gives you the right to access information we hold about you. You may exercise your right under the Act to access such information by submitting a subject access request to hello@buzzcapital.co.uk.

7. Protection

We acknowledge your trust and are committed to protecting the information you provide us. Whilst we cannot guarantee the security of your information at all times, in order to prevent unauthorised access, maintain accuracy, and ensure proper use of information, we have employed physical, electronic, and managerial processes to safeguard and secure the information we collect online. Any information that you give us is protected by a password for added security. Within our Website, your information is stored in password-protected, limited-access servers.

8. Changes to our Privacy Policy

We may revise this Privacy Policy from time to time. You should check the Website from time to time to review the current Privacy Policy because it is legally binding on you.

9. Cookies

9.1 By using the Website with your browser settings adjusted to accept cookies you consent to our use of cookies on the Website, which include Google Analytics cookies. We may use Google Analytics or other similar cookies to collect information about how visitors use our Website, and we will use this information to improve the Website. These cookies collect information in an anonymous form, and such information includes the number of visitors to the Website, where visitors have come from before visiting the Website and the pages they visit. To learn more about what cookies are set on your computer as you browse the Internet and how to manage or delete them, visit www.allaboutcookies.org.

9.2 A cookie is a small piece of data that a website stores on your computer. Cookies allow your browser to remember some specific information which the web server can later retrieve and use. We do not use cookies to store any personal information that could be read or understood by others.

9.3 We use cookies primarily for administrative purposes, to improve your experience with our Website. We only use cookies to capture anonymous analytics to improve your experience of the Website and its performance. This includes compiling statistical information concerning, among other things, the frequency of use of our Website, the pages visited, and the length of each visit, as well as information about your computer, operating system, browser, language, and country.

10. Terms and Conditions

Use of the Website is subject to our Terms and Conditions.

11. Contact

If you have any questions or requests in relation to this Privacy Policy, please email hello@buzzcapital.co.uk.

12. Governing Law and Jurisdiction

This Privacy Policy is governed by and is to be construed in accordance with law of England & Wales. The courts of England shall have exclusive jurisdiction to settle any dispute arising out of or in connection with this Privacy Policy.