Privacy Policy

1. Introduction

Black Props Limited ("we", "us", "our") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, and protect your information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Data Controller: Black Props Limited
Company Number: 16726737
Registered Address: 32 Higher Bridge Street, Bolton, Lancashire, BL1 2HA
Email: info@blackprops.co.uk

2. Information We Collect

Personal Information

We may collect and process the following personal data:

• Contact details (name, email address, phone number, postal address)
• Financial information (income, credit history, property details)
• Identity information (date of birth, identification documents)
• Professional information (employment status, business details)
• Technical data (IP address, browser type, device information)
• Usage data (how you use our website and services)
• Marketing preferences and communication history

How We Collect Information

• Directly from you: When you fill out forms, contact us, or apply for finance
• Automated technologies: Cookies and similar tracking technologies
• Third parties: Credit reference agencies, property valuers, solicitors, brokers

3. How We Use Your Information

We process your personal data for the following purposes:

• Loan processing: To assess, process, and manage loan applications
• Risk assessment: To conduct credit checks and fraud prevention
• Contract performance: To fulfil our contractual obligations
• Legal compliance: To comply with regulatory and legal requirements
• Customer service: To respond to your enquiries and provide support
• Marketing: To send you information about our products (with your consent)
• Website improvement: To analyze and improve our website and services

4. Legal Basis for Processing

We process your data based on:

• Contract: Processing necessary to enter into or perform a contract with you
• Legal obligation: Compliance with legal and regulatory requirements
• Legitimate interests: Our business interests that don't override your rights
• Consent: Where you have given explicit consent (e.g., marketing)

5. Data Sharing and Disclosure

We may share your information with:

• Credit reference agencies: For credit checks and fraud prevention
• Property valuers: To assess property values
• Legal advisors and solicitors: For legal documentation
• Brokers: If you were introduced through a broker
• Regulatory bodies: When required by law
• Service providers: IT support, hosting, payment processors (under strict contracts)

We do not sell your personal data to third parties.

6. Data Security

We implement appropriate technical and organizational security measures to protect your data, including:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and staff training
• Secure data storage and backup systems
• Confidentiality agreements with all staff and contractors

7. Data Retention

We retain your personal data only for as long as necessary:

• Active customers: Throughout the loan term plus 7 years (legal requirement)
• Unsuccessful applications: Up to 7 years for regulatory compliance
• Marketing data: Until you withdraw consent or 3 years of inactivity
• Website analytics: Up to 2 years

8. Your Rights

Under UK GDPR, you have the following rights:

• Right to access: Request a copy of your personal data
• Right to rectification: Correct inaccurate or incomplete data
• Right to erasure: Request deletion of your data (in certain circumstances)
• Right to restrict processing: Limit how we use your data
• Right to data portability: Receive your data in a structured format
• Right to object: Object to processing based on legitimate interests
• Right to withdraw consent: Withdraw consent for marketing at any time

To exercise these rights, contact us at info@blackprops.co.uk.

9. Cookies

We use cookies and similar technologies to improve your browsing experience. For detailed information, please see our Cookie Policy.

10. International Transfers

We primarily process data within the UK. If we transfer data outside the UK, we ensure appropriate safeguards are in place in accordance with UK GDPR requirements.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk.