Privacy Policy

What this is

This notice sets out the ways in which Enra Group will collect and use personal data collected for the purposes of entering into a business agreement with you and in the ongoing management of any contract for service which exists. It is important that you read and understand this document as this sets out how we store and process the relevant personal data. It also gives detail on how and in what circumstances this data will be used and to which other third parties we will share the data.

Contact

If you have any concerns or queries in regards to this, or the information set out within, please feel free to contact us to discuss these. You can contact our Data Protection Representative or Head of Compliance by the following methods:

In writing:        3rd Floor, Premiere House, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH

By phone:        020 8731 5333

Email:               info@enragroup.co.uk

Website:          www.enragroup.co.uk

Who we are

Enra Group Ltd is the parent company for the management and oversight of the following subsidiary businesses that operate within the financial services industry:

  • West One Loans Ltd
  • West One Secured Loans Ltd
  • West One Development Finance Ltd
  • Enterprise Finance Ltd
  • Vantage Finance Ltd
  • Aura Finance Ltd

Each of these companies will submit customer personal data to Enra for the provision of back office functions in regards to meeting each of their obligations for entering into and maintaining contracts of advice or packaging of residential, But to Let or commercial loans, in regards to Enterprise Finance Ltd and Vantage Finance Ltd, and for loan contracts through West One Loan Ltd, West One Secured Loans Ltd, West One Development Finance Ltd, and Aura Finance Ltd.

Enra Group will provide administrative and support functions to each of these entities and will act as a Data Processor on their behalf.

Why we collect your data

We will collect personal data from you and your company employees specifically for the ongoing management and performance of any contract of service that exists between both companies. These data will also be gathered for us to effect any necessary due diligence of your firm or its officers, as necessary under regulatory or legislative obligations.

The personal data will solely be used by this company and its subsidiaries for those purposes mentioned and will not be forwarded to any non-related third parties, unless express permission is provided by you or by the identified individual.

Personal Data we will require

To meet the above we may need to see all or a selection of the following information:

  • Employee names
  • Company email addresses
  • Company Director addresses
  • Company Director dates of birth
  • Names of shareholders who hold a greater than 25% voting or ownership rights

This list of data items we may ask you for in order to meet our obligations may be expanded upon depending on the nature of the contract under which we operate. The requirement to supply any additional personal data will be set out under the terms of the contract for service and will be subject to the assertions and operations as set out herein. Any additional information will always be pertinent to these standards set out, unless specifically provided for in contract.

What we do with your data

The primary reason that we collect your data, your company’s data, your company’s officers and your employees’ data will be to facilitate the performance of the contract that we enter into or that we are negotiating entry into.

The personal data will be shared internally with those individuals within the company who are involved in the performance of the contract. We will also share your data with our external processors where necessary in order to facilitate the correct operation of the provided or provision of services. The relevant data will never be used for any purpose other than as stated unless specifically provided for under contract.

Personal data in regards to your company’s officers and directors may be provided to fraud prevention agencies in order that we can perform relevant due diligence checks on your firm under Enra’s Anti-Money Laundering obligations.

Retention of your data

Enra will retain your data only for as long as is necessary. This means the relevant data will be retained for a period equal to the duration of the contract plus 7 years after the term ends in order to fulfil our regulatory obligations that may arise as a result of the activities undertaken. All data will be securely stored and deleted to industry standards.

Your rights

The relevant personal data is protected by legal rights which includes rights to:

  • object to our processing of your data,
  • request that your data is erased or corrected
  • request access to your personal data

Where you request Enra to cease processing your data prior to the end of the contract term, this will affect the performance of the contract.

The right to your objection to our processing, or request erasure , of your data is subject to our regulatory and legislative responsibilities as well as to the correct maintenance of any contract that we may enter. This means that we have a legal necessity to retain your data while there is a contract for service in existence between the two firms.

Where we have made an error on your data and you wish to submit a correction please contact us via the above methods.

The above contact details should also be used to request copy of all personal data we hold on you. We will endeavour to provide all data that we hold as soon as possible upon receipt of your request and will take no longer than 30 days to do so.

You have the right to request that data which we hold is passed to another Data Controller for their use on your behalf via a “machine readable” format. This can be requested from the Data Protection Representative of West One.

You also have a right to complain to the Information Commissioner’s Office (ICO) which regulates the processing of personal data.  WOSL’s registration number with the ICO is ZA280381. The ICO can be contacted via the following methods:

Post:                 Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF

Telephone:      0303 123 1113

Website:          www.ico.org.uk

‘Cookies’

A ‘cookie’ is a piece of data that a website transfers to the internet browser on your computer’s hard disk, which lets the website “remember” who you are. It will usually contain a unique, randomly generated, number. Major commercial and business websites generally employ cookies. They cannot be used by themselves to identify you, and we will not attempt to use them for this purpose. You can delete cookies manually – if you wish to do so, please consult your browser help manual. (There are also websites that help you do this.) “Session cookies” stay in your browser only until you close it. “Persistent cookies” stay in your browser for longer – how long depends on the “lifetime” of the relevant cookie.

Use of ‘Cookies’

We use session cookies to allow you to carry information across pages and avoid you having to re-type it. We may use persistent cookies so we can recognise your number (but not identify you further) when you return to our website, and, potentially, to enable us to note your interests, and arrange or edit content to match your interests, or those of borrowers generally, in a better way. Third parties may also serve cookies through this website. They may be used to put together statistics to help understand how people use the site, or to check whether, and how often, particular content is being viewed.

Web beacons

Some pages may contain these electronic markers to allow us to count up the people who have visited these pages. They collect limited information, including the time when the page was viewed, and the cookie number. We may also carry web beacons placed by third party advertisers in order to track a campaign’s effectiveness, but, again, these will not collect information that would allow you to be identified personally.