Jurisdiction for use
This site is intended for use only by those who can access it from within the UK.
This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.
Accuracy and Validity of Information
Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly we do not accept any liability for any errors or omissions. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.
Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.
At XL Finance Ltd we look after your details carefully. We adhere strictly to the requirements of the Data Protection Act 1998 and we’re registered on the public register of data controllers which is overseen by the Information Commissioner.
This policy describes how we collect, use and look after the information you provide us with when you use our online and mobile services and when we provide you with our products and services.
- Data Collection & Use:
We normally collect your:
• Contact Information such as name, email address, mailing address, phone number,
• Information on how you use our website, including details of your domain name and Internet Protocol (IP) address, operating system, browser version, cookie details, how long you stayed on a page, the route you took to navigate through the pages and the website that you visited prior to accessing our site;
• Information about your use of Personal Touch services;
• Other data, from time to time, for example now and again we might ask you to fill in a questionnaire, just so you can let us know how we’re doing.
Collecting this information helps us better understand what you need from us. We use it to offer you products and services that we think will suit you as your circumstances change, and to improve your browsing and service experience with us. The main uses of your data are:
• To provide your services;
• To provide you with service information and updates;
• To provide access to privileged areas of the website;
• To enable us to review, develop and improve our products, services and special offers;
• To carry out market research;
• To profile your usage and utilisation of our services;
• To send you details of appropriate products, services, special offers and rewards;
When you apply for or use products and services supplied by us, you also agree to our General Terms and Conditions. These set out the purposes for which we may use your personal information, and to whom it may be disclosed. Please refer to our General Terms and Conditions for full details. A copy can be requested by emailing email@example.com
- Sharing Data & Disclosure:
We will not sell, rent or otherwise disclose your personal details to any third parties, except:
• When required to do so by law
• In response to a valid legal request by a law enforcement officer, government agency or other regulatory authority
• When you have explicitly or implicitly given your consent
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
Most web browsers automatically accept cookies, although you can choose not to. To ensure you get the best from our website, we advise that users keep cookies active on their machine whilst visiting our website. You can manually disable and enable cookies on your PC. The process will depend on your browser and is usually part of your ‘Security Settings’.
• For further information about managing and disabling cookies, you can refer to your browser’s help section or user guide. Alternatively, the Interactive Advertising Bureau has produced a series of web pages (see www.allaboutcookies.org) which explain to users how cookies work and can be managed.
- 3rd party Links:
Please be aware that our site may provide access to other web sites by linking to them. We are not responsible for the data policies (including data protection and cookies), content or security of these linked web sites.
- Information Retention:
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at [insert email address]. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
- Subject Access Requests
Under the EU’s General Data Protection Regulation (GDPR) you have the right to request any personal information we hold about you. Information would be provided free of charge. We are allowed to charge a reasonable fee, only if the request is manifestly unfounded or excessive (predominantly if it is repetitive). If you need us to send it to you, you can write to our team at the address below, confirming your full name, date of birth and address history for the last 3 years:
Subject Access Requests,
Personal Touch Financial Services Ltd,
XL Finance Ltd
19 Riland Avenue
Off Riland Road
The information will be provided within 30 days of receipt of the request, and in the interests of security, we will ask you to confirm your identity before we administer your request. You can confirm your identity by sending us a copy of a suitable identity document such as a passport or driving license, plus proof of address.
If your name has changed, we will require evidence of this, such as a copy of a marriage certificate.
If you are requesting specific information, make this clear within your letter, this will assist us in dealing with your request in a more targeted manner. If you request joint information (such as a product taken out in joint names), both of you would need to sign the request, otherwise the other party who has not provided authority would have their details redacted.
If we do not hold any information on file, we will tell you this. It may be that the records are no longer held or we never held any information in the first place.
We can send the information to you by encrypted email or by recorded post.
Once the Subject Access Request has been responded to, we will retain the information for 10 years from the end of the year of request.
If any of the details we hold about you are incorrect, please let us know and we’ll amend them right away or if your personally identifiable information changes, or if you no longer desire our service, you may correct, update, amend, delete/remove or deactivate it by making the change by emailing firstname.lastname@example.org
We may contact you for example, with updates to your services.
We may also, subject to your consent, use your personal information to contact you with information about special offers and rewards. Please don’t worry; your details won’t be shared with companies outside XL Finance Ltd for marketing purposes without your consent.
Once you have given us the consent referred to above, from time to time we may contact you by mail, telephone, email, other electronic messaging services (such as text, voice, sound or image messages including using automated calling systems) or fax with information about our products and services.
If you’re already receiving information from us then don’t worry, you don’t need to do anything. We’ll assume that you’re happy to continue receiving information unless we hear from you.
• In the unlikely event you no longer wish to receive such information from us, please let us know by emailing us at email@example.com.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. For example personal information sent to us is encrypted (scrambled) using Secure Socket Layer (SSL) technology. This is industry standard encryption technology that protects your data whilst being sent over the internet from being intercepted and misused by third parties. When it reaches us, we then store it on a secure server so that it can only be read by authorised personnel. However no method of transmission over the Internet or method of electronic storage is 100% secure, and while we take all reasonable precautions to protect your personal information, we cannot guarantee its absolute security.
We will not ask you for any account identification and/or authentication passwords or PIN numbers in an unsolicited phone call or unsolicited email, if you do receive unsolicited contact asking you for security information, please treat these with extreme caution. You are responsible for keeping your password and login details secure and you should not disclose them to anyone.
It is your responsibility to ensure that your computer is virus protected. XL Finance Ltd accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.
Notification of Changes:
We may update this policy from time to time as our information practices are modified or changed. If we make any material changes to this policy that affects your personal information, we will notify you by emailing the e-mail address specified in your account or by means of a notice on this Site prior to the change. We encourage you to periodically review this page for the latest information on our privacy practices.
If you have any comments or queries concerning the website or believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved, please contact us using the most convenient contact details below:
XL Finance Ltd,
19 Riland Avenue,
Tel: 0121 378 4389