Who we are
Privacy Policy
At Red Apple Finance Ltd, we’re committed to protecting and respecting your privacy.
This Policy explains when and why we collect personal information about people who visit our website, how we use it, the conditions under which we may disclose it to others and how we keep it secure.
We may change this Policy from time to time so please check this page occasionally to ensure that you’re happy with any changes. By using our website, you’re agreeing to be bound by this Policy.
Any questions regarding this Policy and our privacy practices should be sent via email to [email protected] or by writing to Red Apple Finance Limited, Floor 2, Wing A, Global Reach, Dunleavy Drive, Cardiff, CF11 0SN.
Who are we?
We are Red Apple Finance Ltd. We provide premium finance for insurance premiums. Red Apple Finance Ltd is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 11248609 at Floor 2, Wing A, Global Reach, Dunleavy Drive, Cardiff, CF64 1HP.
We process your personal information in order to carry out the legitimate interests of providing insurance premium financing to allow you to pay your insurance premium in instalments.
How do we collect information from you?
We obtain information about you when you apply for a loan from us in order to fund an insurance policy which you are buying. This information may be passed to us by a financial intermediary who you are using to arrange your insurance policy.
What type of information is collected from you?
The personal information we collect might include your name, address, email address, bank account details, IP address, and information regarding what pages are accessed and when. If you make any payments to us by credit or debit card, your card information is not held by us, it is collected by our third party payment processors, who specialise in the secure online capture and processing of credit/debit card transactions, as explained below.
How is your information used?
We may use your information to:
- Assess whether we can provide you with the loan which has been requested;
- Provide funding for your insurance premiums;
- Collect payments from you to repay the loan which has funded your insurance premium;
- Administer your loan and/or repayments on an ongoing basis;
- Assess whether we can provide further funding in advance of any renewals or adjustments in connection with your insurance policy;
- Follow-up on any enquiry you have made;
- Seek your views or comments on the services we provide;
- Identify and or prevent financial crime, including fraud and identity theft;
- Notify you of changes to our services or charges;
- Send you communications which you have requested and that may be of interest to you. These may include information about campaigns, information about products and promotions of our associated companies goods and services.
We review our retention periods for personal information on a regular basis. We are legally required to hold some types of information to fulfil our obligations to insurers and regulators. We will hold your personal information on our systems only for as long as is necessary for the relevant activity, or as long as is required pertaining to any relevant contract you hold with us.
Who has access to your information?
We will not sell or rent your information to third parties.
We will not share your information with third parties for marketing purposes.
Third Party Service Providers working on our behalf: We may pass your information to our third party service providers, agents subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (for example to process payments and send you mailings). However, when we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure, and not to use it for their own direct marketing purposes. Please rest assured that we will not release your information to third parties beyond Red Apple Finance Limited for them to use for their own direct marketing purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order, or for the purposes of prevention of fraud or other crime.
The Third Party Service Providers we use at the time of publication of this Privacy Policy are:
Source Insurance Limited – we use this company to provide customer service which supports the ongoing administration of your loan, including answering any queries and preparing any letters which may be required from time to time.
Paragon Customer Communications – we use this company to send your insurance documents and renewals to you. They will also send other letters to you, including any adjustment notices and cancellation notices.
Hyve Ltd, Amazon Web Services Inc. and Microsoft Corporation – we use these companies to keep copies of all personal data provided to us as a back up in the event of our main office suffering a critical failure. It is common practice for companies to maintain a duplicate set of personal data so that it can be easily restored in the event that the main data is corrupted or destroyed by an event outside of the company’s control.
Gamma Business Communications Limited – This company provides the software that we use to record telephone calls for training and monitoring purposes.
LiveChat. Inc – This company provides the software for our LiveChat system, which allows you to communicate with us online in real time. The contents of any communications you have with us through this channel are stored for a short amount of time within the EU.
LexisNexis – We are required, under UK regulations, to carry out an affordability assessment to ensure you can afford any credit used to pay your insurance premium. LexisNexis receive your personal details in order to help us meet this regulatory requirement.
Bottomline Technologies – This company provides the direct debit collection services which are used to collect your monthly payments.
Third Party Product Providers we work in association with: We work closely with various third party product providers to bring you a range of quality and reliable products and services designed to meet the needs of insurance policyholders wishing to spread the cost of their insurance premiums. When you have chosen to receive information and updates from us about our products and services, we may use Third Party providers to distribute this information to you. When you enquire about or purchase one or more of these products, the relevant third parties may use your details to provide you with information and carry out their obligations arising from any contracts you have entered into with them. In some cases, they will be acting as a data controller of your information and therefore we advise you to read their Privacy Policy. These third parties will share your information with us which we will use in accordance with this Privacy Policy.
We work with Barclays Bank plc to provide the funds to pay your insurance premium. As a result, Barclays Bank Plc will routinely carry out audits of our systems, and as part of this process they may receive your personal data.
We may transfer your personal information to a third party in order to process a policy proposal and assets to any third party or as part of any business restructuring or reorganisation, or if we’re under a duty to disclose or share your personal data in order to comply with any legal obligation, to comply with a request from our regulators or to enforce or apply our terms of use or to protect the rights, property or safety of our supporters and customers. However, we will take appropriate steps with the aim of ensuring that your privacy rights continue to be protected.
Your choices
You have a choice about whether you wish to receive information from us. If you do not want to receive direct marketing communications from us about the products and services which we offer, then you can select your choices by ticking the relevant boxes situated on the form on which we collect your information.
We will not contact you for marketing purposes by email, phone or text message unless you have given your prior consent. We will not contact you for marketing purposes by post if you have indicated that you do not wish to be contacted. You can change your marketing preferences at any time by contacting us by email: [email protected] or telephone on 0330 0580866.
How you can access and update your information
The accuracy of your information is important to us. We’re working on ways to make it easier for you to review and correct the information that we hold about you. In the meantime, if you change your email address, or any of the other information we hold is inaccurate or out of date, please email us at: [email protected], or write to us at: Red Apple Finance Limited, Floor 2, Wing A, Global Reach, Dunleavy Drive, Cardiff, CF11 0SN. Alternatively, you can telephone 0330 0580866.
You have the right to ask for a copy of the information Red Apple Finance Ltd holds about you. Where we have reason to believe the request is excessive (for example, where you make multiple or repeat requests), we may charge a fee to cover our costs in providing this information. We will provide information requested within one month of the request being received.
Security precautions in place to protect the loss, misuse or alteration of your information
When you give us personal information, we take steps to ensure that it’s treated securely. Any sensitive information (such as credit or debit card details) is encrypted and protected with a minimum of 256 Bit encryption on SSL. When you are on a secure page, a lock icon will appear on the bottom of web browsers such as Microsoft Internet Explorer.
Non-sensitive details (your email address etc.) are transmitted normally over the Internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk. Once we receive your information, we make our best effort to ensure its security on our systems. Where we have given (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
Profiling
We may analyse your personal information to create a profile of your interests and preferences or anticipate your business needs so that we can contact you with information relevant to you. We may make use of additional information about you when it is available from external sources to help us do this effectively. We may also use your personal information to detect and reduce fraud and credit risk.
Use of ‘cookies’
Like many other websites, some parts of the Red Apple Finance Ltd web site uses cookies. A cookie is a small text file that our web server places on a user’s computer hard drive to be a unique identifier. The use of cookies enables Red Apple Finance Ltd to track usage patterns, enforce security, and deliver customized content to users. Our cookies do not have an expiration date and do not collect personally identifiable information.
The preference to receive cookies automatically is controlled by a preference setting in your web browser. As an option, you can have the browser alert you before accepting cookies and have the option of refusing them. All cookies can also be refused by turning them off in your web browser. However, by refusing cookies, you may not be able to take full advantage of our websites.
Collecting Domain Information
Like most commercial web sites, Red Apple Finance Ltd automatically logs all traffic coming to and from our web site. Part of this data includes the collection of domain information. This data enables us to become more familiar with which customers visit our site, how often they visit, and what sections of the site are most active. Red Apple Finance Ltd uses this information to make informed decisions on improving the information and navigation of our site.
Red Apple Finance Ltd may disclose aggregate statistics about visitors to our site to other third parties. However, any such disclosure will not include any personally identifiable information from any of our visitors.
Links to other websites
Our website may contain links to other websites run by other organisations. This privacy policy applies only to our website‚ so we encourage you to read the privacy statements on the other websites you visit. We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our website.
In addition, if you linked to our website from a third party site, we cannot be responsible for the privacy policies and practices of the owners and operators of that third party site and recommend that you check the policy of that third party site.
Children (16 or Under)
Our websites do not target and are not intended to attract children under the age of 16. Red Apple Finance Ltd does not knowingly solicit personal information from children under the age of 16 or send them requests for personal information.
Transferring your information outside of Europe
As part of the services offered to you through this website, the information which you provide to us may be transferred to countries outside the European Union (“EU”). By way of example, this may happen if any of our servers are from time to time located in a country outside of the EU. These countries may not have similar data protection laws to the UK. By submitting your personal data, you’re agreeing to this transfer, storing or processing. If we transfer your information outside of the EU in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that your privacy rights continue to be protected as outlined in this Policy.
If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.
Review of this Policy
We keep this Policy under regular review. This Policy was last updated in March 2020.