Terms of Business & Privacy Policy

Registered & Head Office Address:

Ethos Asset Finance Ltd,

Regional Agricultural Centre, Railway Road, Harrogate, HG2 8NZ

Registered in England & Wales 09843819

Ethos Asset Finance Ltd are authorised & regulated by the Financial Conduct Authority for Full Permission Credit broking under FRN 723779.

Ethos Asset Finance Ltd are registered under Data Protection ZA156001.

Ethos Asset Finance are a Credit Broker not a Lender. We may receive a commission related to your transaction or an introductory fee from the parties involved in the transaction.

THIRD PARTY AGREEMENTS

Ethos Asset Finance will not be held liable for any product or service that has been provided via a third-party Lender, Dealer or Manufacturer. Ethos Asset Finance will act as an intermediary between third parties where required.

COMMISSION

Ethos Asset Finance Ltd are a credit broker and not a lender. We can introduce you to a carefully selected number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor. We may advise you on products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

COMPLAINTS

Ethos Asset Finance make every effort to ensure our customers our completely satisfied with our Service. We understand on some occasions you may not be entirely satisfied. In this instance, we will do everything we can to resolve your issue without delay and minimum inconvenience. Should you need to speak to us please email customercare@ethosfinance.co.uk or contact your Account Executive who will escalate your complaint without delay. You can also call on 01423 608666 or contact us in writing to Ethos Asset Finance Ltd, Regional Agricultural Centre, Railway Road, Harrogate, HG2 8NZ.

We will respond to your complaint within 3 working days. You will receive a final response from us no more than 8 weeks after receipt of the initial complaint. Should we be unable to resolve your issue you have the right direct your complaint to the ombudsman. They can be contacted in writing at The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
Phone 020 7964 1000.

PRIVACY POLICY

This policy explains how we will use and protect any information you give to Ethos Asset Finance Ltd when processing your data.

Ethos Asset Finance takes your privacy seriously and will only use your personal information to administer your account and to provide the services you have requested from us.

Information we collect:

  • Name, Telephone Number, Email Address
  • Information on the product or service you may request. i.e: Funding requirements, Vehicle Details
  • Bank Details
  • Driving Licence/Passport Information
  • Any other Data legally required in relation to your application for regulatory purposes.

How we handle your data

  • We will use the data you have provided us with to source your
    funding requirements & requests.
  • With your approval, we will use the information you have provided us with to carry out a credit search in conjunction with our associated funders. You may request a copy of the information we have shared with funders.
  • We will use your data to carry out all regulatory identity checks
    in conjunction with the prevention of Money Laundering or
    Fraud.
  • We may contact you for marketing purposes with information we believe is relevant via the marketing preferences you have requested. You can change these preferences at any time.
  • Any existing data we store may be used for marketing purposes. You may request to be removed from our marketing communications at any time. Please email customercare@ethosfinance.co.uk; call 01423 608666, write to Ethos Asset Finance Ltd, Regional Agricultural Centre, Railway Road, Harrogate, HG2 8NZ.

HOW WE SHARE YOUR DATA

Your data will be recorded on the Ethos Asset Finance database. In order to provide the service you have requested we will share this information
with carefully selected funders and any associated companies involved in the recovery of any agreement.

Where you are entering into an agreement as a partnership each partner will be required to provide their personal information. An association will be created with credit reference agencies which may link your financial records.

CREDIT SEARCHES

I understand that you will undertake a search with Experian for purposes of verifying my identity. To do so Experian may check the details I supply against any particulars on any database (public or otherwise) to which they have access. They may also use my details in the future to assist other companies for verification purposes. A record of the search will be retained.

YOUR RIGHTS

Your rights to access your personal information
You may request to access your personal data at any time. Please email customercare@ethosfinance.co.uk; call 01423 608666, write to Ethos Asset Finance Ltd, Regional Agricultural Centre, Railway Road, Harrogate, HG2 8NZ.

Your right to rectification
If, for whatever reason, we collect and/or hold personal information about you which is inaccurate you have the right to request that we correct the inaccuracies.

Your right to erasure
You have the right to request that we delete your personal information from our records.

Your right to restriction
You have the right to instruct us to restrict how we use your personal
information.

Your right to object
You have the right to object to us contacting you for marketing purposes.

EXERCISING YOUR RIGHTS

You may exercise any of the above rights by contacting us using one of the following methods. Please email customercare@ethosfinance.co.uk; call 01423 608666, write to Ethos Asset Finance Ltd, Regional Agricultural Centre, Railway Road, Harrogate, HG2 8NZ.

DATA STORAGE

We will store your personal information for five years. Beyond this point your Data will be deleted from our database and destroyed in a secure, confidential manner.

You have the right to lodge a complaint to the Information Commissioner’s Office if you are dissatisfied about our use of your personal information. They can be contacted by post Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF or phone 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number.

THIRD PARTY PRIVACY POLICIES:

Where a third party privacy policy is issued (e.g. where we issue a lender’s privacy policy to the customer on the lender’s behalf), it is the customer’s responsibility to review this document and direct any queries, comments or concerns to the third party. Ethos Asset Finance Limited will not be held responsible for the content of any third-party privacy policy or how they collect, store, use and/or share your information.

NACFB CODE OF PRACTICE

The Code The Broker agrees to act on behalf of the Client in accordance with the terms of the Code of Practice of the National Association of Commercial Finance Brokers (NACFB) as amended (the Code) and a copy of the Code is available on request from the Association or on the NACFB website www.nacfb.org.The Broker will investigate and deal with any complaints raised by The Client concerning the services provided under The Agreement promptly and reasonably but if The Broker is unable to resolve any complaint to The Client’s satisfaction the Code of Practice stipulates the procedures available to The Client including NACFB Mediation.