We are committed to protecting your privacy. This Privacy Notice applies between you, the User of the
website and Starglow Finance Ltd.
Starglow Finance Ltd is the owner and provider of this Website, and this Privacy Notice sets out our privacy
practices and explains how we collect, process, hold and store (collectively referred to as handle) personal
data and with whom we share it with. The personal data we handle is only that which is required by us so
that we may deliver the services you require. Except as provided in this Privacy Notice, we do not supply
personal data to any company for marketing purposes.
We are registered as a data controller with the ICO, which is the UK’s independent body set up to uphold
information rights. As a data controller, we determine the purpose for which, and the manner in which,
personal data is processed, and we make sure we comply with UK data protection law when we process
such data.
You may browse our website without telling us who you are or revealing any personal data about yourself.
The information we collect from you is only that which is required by us so that we may deliver the site
functionality, information you have requested or searched for and to provide you with our services.
Our Privacy Notice will be reviewed on a regular basis and may be updated from time to time. We will
notify you via email when this happens and provide you with a copy of the most recent and up-to-date
Privacy Notice
When we refer to personal data, we mean any information relating to an identifiable person who can be
directly or indirectly identified in particular by reference to an identifier. Under data protection legislation
it is known as personal data. Some personal data will identify you directly – for example, by giving your
name and email address. It may also be possible to identify you indirectly, from information in which your
name is not given, for example by naming your job title and employer, or by using another form of identifier
such as an online identifier.
We may collect the various categories of personal data as outlined below:
• Personal Details – Full name, Title, Gender, Date of Birth, Profession/Job Title
• Contact Details – Telephone number, mobile phone number, correspondence address, email address.
• Financial Details – Bank details, Credit or Debit card details.
• Technological Details (automatically collected) – IP address, web browser type and version, operating system, URLs.
Personal Data may be collected at various points throughout your interaction with us. Basic Personal and
contact details may be collected upon your initial contact with us or upon submission of an email or website
contact form, whilst more detailed Personal Data, including documentation and financial details, may be
collected during the process of our service provision. This will usually be when we are collating the Personal
Data required, to submit or manage, an application on your behalf.
The following outlines the processes we employ to collect personal data:
The personal data we collect is used to:
It is important that the information we hold about you is accurate and current. Please keep us informed if
any such information were to change during the period for which we hold it.
We may use your personal data for the above purposes if we deem it necessary to do so for our legitimate
interests. If you are not satisfied with this, you have the right to object in certain circumstances, (see below).
For the delivery of direct marketing to you via email, we need your consent whether via an opt-in or soft-
opt-in arrangement:
When you enter into a contract to receive our products or services, the legal basis for processing your
personal data is the contract between us or the taking of steps at your request, to enter into such a contract.
Unless a longer retention period is required or permitted by law, we will only hold your personal data on
our systems for the period necessary to fulfil the purposes outlined in this privacy notice or until you request
that your personal data be deleted.
Even if we delete your personal data, it may remain on backup or archival media for legal, tax or regulatory
purposes.
To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing
of your personal data (where consent is our legal basis for processing your personal data), please contact us
via the details below.
If you are not satisfied with the way a complaint you make in relation to your personal data is handled by
us, you may be able to refer your complaint to the Information Commissioner’s Office (ICO). The ICO’s
contact details can be found on their website at https://ico.org.uk/ or you can write to them at:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Your data will be stored securely in line with industry best practice at all times. The security measures in
place are reviewed annually and include:
Personal data which we collect from you may be stored and processed in and transferred to countries
outside of the European Economic Area (EEA). For example, this could occur if our servers are in a
country outside the EEA or one of our service providers is situated in a country outside the EEA. We may
also share information with other group companies, some of which may be located outside the EEA.
We will only transfer personal data outside the EEA where it is compliant with data protection legislation
and the means of transfer provides adequate safeguards in relation to your data, e.g. by way of data transfer
agreement, incorporating the current standard contractual clauses adopted by the European Commission,
or by signing up to the EU-US Privacy Shield Framework, in the event that the organisation in receipt of
the Data is based in the United States of America.
To ensure that your personal data receives an adequate level of protection, we have put in place appropriate
safeguards and procedures with the third parties we share your personal data with. This ensures your
personal data is treated by those third parties in a way that is consistent with the Data Protection Laws.
If you suspect any data breach or misuse, loss or unauthorised access to your personal data, please let us
know immediately via the contact details below.
If you want detailed information from Get Safe Online on how to protect your information and your
computers and devices against fraud, identity theft, viruses and many other online problems, please visit
www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.
We may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer
of control. Personal data as well as any other form of data provided by you will, where it is relevant to any
part of our business so transferred, be transferred along with that part and the new owner or newly
controlling party will, under the terms of this privacy notice, be permitted to use such data for the purposes
for which it was originally supplied to us.
We may also disclose such data to a prospective purchaser of our business or any part of it.
In the above instances, we will take steps with the aim of ensuring your privacy is protected.
You may not transfer any of your rights under this privacy notice to any other person. We may transfer our
rights under this privacy notice where we reasonably believe your rights will not be affected.
If any court or competent authority finds that any provision of this privacy notice (or part of any provision)
is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed
to be deleted, and the validity and enforceability of the other provisions of this privacy notice will not be
affected.
Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be
deemed a waiver of that, or any other, right or remedy.
This notice will be governed by and interpreted according to the law of England and Wales. All disputes
arising under the Agreement will be subject to the exclusive jurisdiction of the English and Welsh courts.
We reserve the right to change this privacy notice as we may deem necessary from time to time or as may
be required by law. Any changes will be immediately posted on the Website and you are deemed to have
accepted the terms of the privacy notice on your first use of the Website following the alterations or any
changes will be notified to you and you are deemed to have accepted the terms of the privacy notice on
your receipt.
For further information please contact us as below:
Contact
Last updated 24 October 2021
We are a credit broker, not a lender. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, perccentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further deatils of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
