Privacy Policy

Find the answers to how we use the personal information we collect & hold about you here.

Use of Cookies

Our website makes use of cookies which are small digital files that are stored in your web browser that enable us to track your return visits to our website.Your browser settings may allow you to block these cookies, but we recommend you have them enabled to help us personalise your experience of our website.

Data Protection Act

The Data Protection Act requires companies and individuals who process and retain information about their customers, to provide their customers with information about how their information will be used and to what purposes it will be put. The act does not restrict itself to information held on a computer, it is relevant to any ordered filing system. The policy describes how AYC Financial will process personal data relating to customers. We will not use your personal data in any other way without first informing you.

Information Collected

We may collect any or all of the information that you give us depending on the type of transaction you enter into, including your name, address, telephone number, fax number and email address, together with data about your use of the website. Other information that may be needed from time to time to process a request may also be collected as indicated on the website.

Information Use

We use the information collected primarily to process the task for which you visited the website. Data collected in the UK is held in accordance with the Data Protection Act. All reasonable precautions are taken to prevent unauthorised access to this information. This safeguard may require you to provide additional forms of identity should you wish to obtain information about your account details.

What are Credit Reference Agencies?

Credit reference agencies provide lenders with information about potential borrowers, which they then use to make lending decisions. The information shared may include information about your previous credit history. They hold certain information about most adults in the UK. This information is called your credit reference file or credit report. Details of credit searches are usually held on to for 2 years. The main credit reference agency web sites can be found on our business links page.

Access to your Data

You are able to see what information we hold about you. You can ask us for a copy at any time. We will also tell you where the information was obtained. You will need to write and we may charge a small fee (£10 maximum). We will reply within 40 days from receipt of your fee.

You have the right to write to any of the credit reference agencies and ask for a copy of your credit reference file, which will cost you £2. They must respond within 7 working days. There is a small fee of £2 required. If your credit reference file contains information about other people with whom you have no financial connection or if it contains information which is incorrect, you can ask for the entry to be corrected, removed, or have a note put on the file explaining why you think the information is wrong. The agency will not remove correct information.

The Information Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions, you may need to take to amend a file. You can obtain a copy of the free leaflet by writing to:-

  • No Credit Leaflet
  • P.O. Box 99
  • Nelson
  • BD9 8GS

If you require any more in-depth information regarding the Data Protection Act in general, please visit the Information Commissioners web site.

If you have any questions about our Data Protection Policy, please contact us at:-

  • AYC Financial
  • Grange Farm
  • Great North Road
  • Micklefield
  • Leeds
  • LS25 4AG

Changes to Our Privacy Policy

Any changes to our Privacy Policy will be placed here and will supersede this version of our Policy. We will take reasonable steps to draw your attention to any changes in our Policy. However, to be on the safe side, we suggest that you read this document each time you use the website to ensure that it still meets with your approval.


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