Introduction

 

This privacy policy notice is served by Ignite BG Limited under the website https://ignitebusinessgroup.com and should be read together with our Website Terms and Conditions. The purpose of this policy is to explain to you how we control, process, handle and protect your personal information throughout the business and while you browse or use this website. Please read this Privacy Policy carefully before using our Website to understand our views and practices regarding your personal data and how we will treat it. By using our Website, you accept, understand and agree to abide by this Privacy and Cookie Policy. If you do not accept the Privacy and Cookie Policy outlined on this page you may wish to cease viewing / using this website, and or refrain from submitting your personal data to us.

Policy key definitions

  • “I”, “our”, “us”, or “we”refers to Ignite BG Limited
  • “you”, “the user”refer to the person(s) using this website.
  • “Ignite BG Limited”means Ignite BG Limited, a UK Limited company registered in England under company number 12748340, with a registered office address at Bezant House, Bradgate Park View, Chellaston, Derby, DE73 5JH, United Kingdom and a trading address at Bezant House, 3 Bradgate Park View, Chellaston, Derby, DE73 5JH, United Kingdom. Ignite BG Limited can be contacted by telephone at 01332 896020 or by email at contact@ignitebusinessgroup.com
  • “User”means any third party that accesses the Website and is not employed by Ignite BG Limited and acting in the course of their employment. A User would include but not be limited to an Introducer, a Lender or a Business; and
  • “Website”means the website that you are currently using (https://ignitebusinessgroup.com, https://ignitebusinessgroup.com, https://ignitebusinessgroup.com or https://ignitebusinessgroup.com) and any sub-domains of this site (e.g. subdomain.ignitebusinessgroup.com) unless expressly excluded by their own terms and conditions
  • “GDPR”means General Data Protection Act.
  • “PECR”means Privacy & Electronic Communications Regulation.
  • “ICO”means Information Commissioner’s Office.
  • “Data”means collectively all information that you submit to Ignite BG Limited via the Website. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998
  • “Cookie”refers to a small text file placed on the browser or hard drive of your computer by this Website, if you agree, when you visit certain parts of the Website and/or when you use certain features of the Website. Cookies contain information that is transferred to your computer’s hard drive

Who we are

Ignite BG Ltd (Ignite BG) helps businesses find, compare and apply for business finance. We work alongside you and your advisors, who provides us with your personal data to support an application for a finance. Depending on the circumstances, Ignite BG will help you find and compare finance products based on you and your business’s financial circumstances or, where your adviser provides this support, will package your application for submission to your chosen lenders.

In all instances Ignite BG will aim to source a number of loan options for you, based on the information provided by you or your adviser and once you have chosen specifics product we will collect all the information that is required by the lenders to complete drawdown of the required funds. This will include but not be limited to details on your income and expenditure, details of any personal and business loans you have outstanding (including mortgages and other personal lending), and your credit history and repayment profiles. This data will be passed to the lenders we are working with.

The company is also registered with the Information Commissioners Office (ICO) as a Data Controller. The firm’s registration number with the ICO is: ZA09760.

For the purposes of the General Data Protection Regulation (GDPR) Ignite BG are the data controller and can be contacted at: Bezant House, 3 Bradgate Park View, Chellaston, Derby, DE73 5JH

Our Data Protection Officer can be contacted at the same address

Complaints

If you have a complaint about the way your personal data is being handled you may contact Ignite BG at the address above. Alternatively you may contact the Information Commissioners Office via https://ico.org.uk/concerns/ or on 0303 123 1113

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info@ignitebusinessgroup.com

Sources of information

All initial data that we gather about you will be provided by

  • You
  • Your adviser

Using that data, we will obtain further data from those external companies who maintain data on your credit history (i.e. CRAs) and Fraud Prevention Agencies as well as the Land Registry.

What data we collect

We will only collect such data that is needed to underwrite your loan application. This includes:

  • Your full name
  • Your current and previous address(es)
  • Your email address
  • Your telephone and contact details
  • Your date of birth
  • Details on your financial profile including your income and expenditure
  • Your identification documents (e.g. copies of passport or drivers licence)
  • Personal description and photograph
  • Company information (if applicable)
  • Loan product information and loan requirements (if applicable)
  • Copies of bank statements containing financial information or copies of utility bills
  • Other relevant details required to establish your identity
  • Other relevant information required by the lender

Information you give us

You may give us information about you by filling in forms on our Website or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you register to use our Website, subscribe to our service, search for a product, enter loan requirements, participate in discussion boards or other social media functions on our Website, and when you report a problem with our Website. We will use this information:

  • To carry out our obligations arising from any contracts entered into between you and us (including loan application management, processing and tracking) and to provide you with the information, products and services that you request from us;
  • To provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
  • To provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data;
  • To notify you about changes to our service;
  • To ensure that content from our site is presented in the most effective manner for you and for your computer.

Information we collect about your visit to our website

With regard to each of your visits to our website we may automatically collect the following information:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; 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 and any phone number used to call our customer service number.

Information we receive from Third Party Providers

In order for Ignite BG to comply with our obligations under the Money Laundering Regulations Ignite BG may verify your identity electronically using the services of a business partner. The information we receive may include residency information including presence on an electoral register, telephone services, information obtained from credit reference agencies, details of directorships held, any county court judgements and media articles.

Ignite BG Limited may also from time to time, employ the services of third party providers for dealing with matters that may include, but are not limited to, payment processing, credit checking, anti-money-laundering, platform or marketing analytics, customer support and email infrastructure service providers, operational support, advertising and marketing and other technical services. The providers of such services may have access to certain personal Data provided by Users of this Website, and your use of the Website is deemed as acceptance of this relay of Data.

Any Data used by third party providers is used only to the extent required by them to perform the services that Ignite BG Limited requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed in accordance with the Data Protection Act 1998.

Cookies

Ignite BG’s website uses cookies to distinguish you from other users of our website and to provide you with a better user experience. We do this by placing a small text file on your device / computer hard drive to track how you use the Ignite BG’s website, to record or log whether you have seen particular messages that we display, to keep you logged into the website where applicable, to display relevant adverts or content, referred you to a third party website. Some cookies are required to enjoy and use the full functionality of this website.

Why we collect your data

Under the UK’s Data Protection laws Ignite BG must have a legal basis for the collection of your data. Ignite BG collect information from you and about you in order to be able to provide the products and services that you have requested from us and to prepare business finance applications on your behalf and/or we have a legal obligation under the Money Laundering Regulations 2017 to process your personal data

We may also contact you with regard to other products and services provided by the Ignite BG Limited.

Disclosure of your information

Your personal information and data may be shared with other, external data processors to assist us in providing you with finance. These include:

  • Business Finance Providers
  • Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them
  • Credit Reference Agencies (CRAs) – to verify your identity and address in accordance with our obligations under the Money Laundering Regulations 2017
  • Fraud Prevention Agencies
  • Analytics and search engine providers that assist us in the improvement and optimisation of our site.
  • Our regulator, the FCA
  • Statutory Bodies on their lawful request, e.g. NCA, police forces

Your Rights

Data Protection legislation provides you with express rights which include:

Your right to object or request erasure of the data Ignite BG holds

  • You may object to Ignite BG holding, storing or processing your personal data and/or request that we remove this data from our storage. You can do so by emailing contact@ignitebusinessgroup.com Should you request that this takes place before your finance application is completed we will be unable to complete your loan application.

Your Right to Data Portability

  • You have the right to request data that hold is passed to another Data Controller for their use on your behalf via a “machine readable” format. This can be requested by emailing info@ignitebusinessgroup.com

Your right to correct the data held by Ignite BG

  • If you or Ignite BG become aware of an error in our data that Ignite BG process hold or control, you have a right to have that data corrected. Please highlight any errors or concerns by emailing info@ignitebusinessgroup.com.

Your right to data erasure

  • You have the right to have personal data erased in certain circumstances (eg if your personal data is no longer necessary for the purpose which we originally collected or processed it). This right is not absolute and only applies in certain circumstances, for example we will not erase the data if we need to keep it to comply with a legal obligation such as the Money Laundering Regulations 2017.
  • You can make a request for erasure in writing by emailing info@ignitebusinessgroup.com.
  • We will act upon the request without undue delay and at the latest within one month of receipt of your request. In most cases we will not charge a fee to comply with a request for erasure unless the request is manifestly unfounded or excessive in which case we may charge a “reasonable fee” for the administrative costs of complying with the request

Your right to a copy of your data

  • You have the right to request a copy of data that Ignite BG hold on you. We are obliged to provide this to you within 30 days of receipt of your request. Please email info@ignitebusinessgroup.com to request this.

Your Right to Complain

If you are unhappy with the way, we handle or process your data you have a right to complain to our Data Protection Representative by emailing contact@ignitebusinessgroup.com. Your complaint can also be made to the Information

Commissioners Office:

Post:                           ICO, Wycliffe House, Water Lane, Wilmslow, SK9 5AF

Telephone:                 0303 123 1113

Website:                     www.ico.org.uk

Data Retention

At Ignite BG we retain casework and data for a period of seven years from the drawdown of your loan facility, or where your loan does not complete, from the time when the decision is made to refuse credit by the lender or where you decide not to proceed. We are obliged to retain your data for this period in order to meet our regulatory and compliance obligations.

Changes of Business Ownership and Control

Ignite BG Limited may, from time to time, expand or reduce our business and this may involve the sale and the transfer of control of all or part of Ignite BG Limited. Data provided by Users will, where it is relevant to any part of our business, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy and Cookie Policy, be permitted to use the Data for the purposes for which it was originally supplied to us.

In the event that any Data submitted by Users is to be transferred in such a manner, you will be contacted in advance, by email, phone, fax or mail, and informed of the changes. When contacted you may be given the choice to have your Data deleted or withheld from the new owner or controller. This does not affect any of your other rights as outlined in this Privacy and Cookie Policy.

Data security and protection

We ensure the security of any personal information we hold by using secure data storage technologies and precise procedures in how we store, access and manage that information. Our methods meet the GDPR compliance requirement.

Data Storage

Data collected and controlled by Ignite BG is stored within the UK. Currently we do not transfer data to any entity outside of the UK or the EEA.

Email marketing messages & subscription

Ignite BG use the “legitimate use” basis for anyone subscribing to our newsletter or marketing mailing list. We only collect certain data about you, as detailed in the “Processing of your personal data” above. 

Email marketing messages that we send may contain tracking beacons / tracked clickable links or similar server technologies in order to track subscriber activity within email marketing messages. Where used, such marketing messages may record a range of data such as; times, dates, I.P addresses, opens, clicks, forwards, geographic and demographic data. Such data, within its limitations will show the activity each subscriber made for that email campaign obtain elsewhere will be processed by us.

Links to Other Websites

This Website may, from time to time, provide links to other websites. Ignite BG Limited has no control over such websites and is in no way responsible for the content thereof. This Privacy and Cookie Policy does not extend to your use of such websites. Users are advised to read the Privacy and Cookie Policy or statement of other websites prior to using them.

Links to other websites do not necessarily represent an existence of any form of endorsement, support, relationship or partnership.

Changes to this Privacy Policy

Ignite BG Limited reserves the right to change this Privacy Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on our Website and you are deemed to have accepted the revised terms of the Privacy Policy on your first use of our Website following the alterations. By continuing to use our Website at any time after we have posted change(s) to this Privacy Policy, you are confirming that you have accepted, understood and agreed to abide by the updated Privacy Policy.