Welcome to our (Cubefunder) Privacy Policy, here we explain what data we may need to collect from you, for what purposes and how long we will hold that information for. We will also inform you of your data protection rights as the data subject (customer).
As a company we follow the requirements set out and pursuant to the UK GDPR or ‘the Data Protection Act’ meaning we must take care of the data we collect, process as well as provide information to you the data subject. We are a registered data controller with the Information Commissioner’s Office (ICO) our number is ZA085174.
Company name: Cubefunder is the trading name of Tallaght Financial Ltd. who is authorised and registered by the Financial Conduct Authority (FCA) FRN: 786297
Address: 1 Thames Side, Windsor, Berks, SL4 1QN
Telephone: 020 3137 2417
Email: contact@cubefunder.com
| Data we collect from and about You | Who we collect data from | The lawful basis for processing the data | Additional purposes that we may process the data for | Retention periods |
| Title, First and last name, Email, Mobile number, DOB, Trading address, Registered address, Home address, Company website, Job title, Company name, bank account details (name of bank, account number & sort code)
Monthly company revenue, Business type, Business sector, Business bank & business bank statements
Credit report data, Mortgage balance, Other loans, Default payments, Missed payment history, Other credit searches, Electoral roll matches |
|
Consent
Performance of a contract Legitimate interests |
To enable us to perform our service offering to you
Transfer of data to third parties who may be able to offer you similar products or services should you provide your consent (you can withdraw your consent at any time)
Should we want to market our own similar products or services (you can opt out at any time) |
We will retain transaction data for at least 6 years following the most recent transaction, or longer if the retention of such data is to comply with a law or financial or marketing regulation. |
We will retain transaction data for at least 6 years following the most recent transaction, or longer if the retention of such data is to comply with a law or financial or marketing regulation. If you have asked us not to use your data for marketing purposes, we will retain your data for other purposes, where we have a lawful basis to do so, such as the performance of a contract with you. If you want to, you can make a request to view the data we hold about you in writing. We will not charge you for a data access request.
ConsentTransfer of data to offer further loan options.
| Name of the third party | Data we share about you, with them | Lawful basis | Why do we share it |
| Equifax | Name, Company Name, DOB, Home address, Previous address | Performance of a contract | Affordability and suitability checks as part of our criteria process and to ensure the product is suitable for you.
We will use Equifax to conduct a hard credit check on both your business and your personal credit file. The hard search will leave a footprint on your credit file. |
| Creditsafe | First Name, Last Name, DOB, Home address
We share a form of ID if Creditsafe is unable to identify you from your name, DOB, and address. This could be either a copy of a passport or a driving license |
Performance of a task carried out in the public interest includes | We will use Creditsafe to conduct an anti-money laundering check (AML) on you as the individual in accordance with Regulation 41 (Data Protection) of the UK Money Laundering Regulations . |
| Digilytics | Banking transactional data | Performance of a contract | Affordability checks as part of our criteria process and to ensure the product is suitable for you. |
| YouLend Limited | Name, Company Name, Email, Phone number, Business type & sector, Requested loan amount | Consent | Transfer of data to offer further loan options. |
| Ampere | Name, Company Name, Home Address, Business trading address, Phone number, Email address, Loan Amount | Legitimate interests | If your application is associated with our partnership with Ampere, your information and data that is submitted to us throughout the application process, including credit file information may be shared with them. We may also provide Ampere with relevant information regarding the performance of your loan repayments. Please note that if you are not currently a customer of Ampere, we will not share any information with Ampere. |
| Hill Dickinson LLP | Name, Company Name, Home Address, Business trading address, Phone number, Email address, Loan Amount | Legitimate interests | Should Cubefunder be unable for any reason to arrive at a mutually agreeable arrears payment agreement, then we may share your data with Hill Dickinson who may negotiate a repayment plan on our behalf. |
| Courtney & Courtney | Name, Company Name, Home Address, Business trading address, Phone number, Email address, Loan Amount | Legitimate interests | Should Cubefunder be unable for any reason to arrive at a mutually agreeable arrears payment agreement, then we may share your details with Courtney & Courtney, who are a third-party debt negotiators, to negotiate a repayment plan on our behalf. |
There are four main credit reference agencies in the UK that deal with people’s personal data.
Each is regulated by the Financial Conduct Authority (“FCA”) and authorised to conduct business as a credit reference agency. They are:
For the purpose of this policy, we work with Creditsafe & Equifax Limited. There are some instances and as part of our offering to you, where we need to request information from both Equifax & Creditsafe for example in line with our affordability, fraud, crime prevention, and money laundering checks. Such information may contain your current or past credit history or if you have ever been made bankrupt or insolvent.
An AML (Anti-Money Laundering) check is a process used to verify the identity of individuals and ensure that they are not involved in money laundering or other financial crimes. The purpose of an AML check is to help prevent criminals from using financial institutions or businesses to launder money or finance illegal activities.
Credit Reference Agency Information Notice (CRAIN) | Equifax UK
If you wish to contact us to amend marketing preferences or you would to opt-out to similar product offerings, or for any other reason, please email contact@cubefunder.com, with the subject title ‘Data Protection’ or write to Cubefunder, 1 Thames Side, Windsor SL4 1QN;
You have the right to request copies of the personal information we hold about you at any time.
You have the right to request that we correct any inaccurate personal information we hold about you.
You have the right to request that we delete your personal information from our records.
Please note that we will not be able to delete your personal information whilst we are still providing our services to you. We will be able to delete your personal information once you cancel the service or once the service is completed.
You have the right to request that we restrict how we use your personal information.
You have the right to object to the collection and use of your personal information at any time however, this could impact your application process.
You have the right to obtain a copy of your personal information in a legible and compatible format such as Excel or Word.
You can exercise all of your rights by contacting us on any of the above contact details.
You can lodge a complaint with us directly by contacting us on one of the above contact details.
You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO). The ICO is the regulator who makes sure that we use your personal information in a lawful way.
You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns/or calling the ICO on 0303 123 1113.
You may freely browse our website without giving any personal information.
If you enter information on our website application process or any part of it, we will store and process any personal, business or financial information tendered, whether this is tendered by you, your company’s officers or obtained from credit information, third party business information, or anti-fraud agencies.
If you register an interest in our loans and consent to being contacted, we will use the tendered contact information, so we can respond to you and contact you in the future regarding your application or to offer you other similar products or services.
We monitor the usage of our website including which pages are visited, for how long, and how often, and may use learnings from this to help us tailor the information we offer.
Where e-signatures are used, this information will be processed and stored on Citrix servers and on the cloud Citrix’ secure account at Amazon Web Servers.
As internet security is not 100% secure, although we have policies and systems in place to protect your data, you are advised not to enter any sensitive data, e.g relating to your sexuality, political views, medical condition, or suspected criminal activities.
Links to other websites will appear on our website. Although every care is taken in selecting those links, you are advised to proceed with care when entering other websites. Tallaght Financial Ltd is not responsible for any external sites, their products, services, or data privacy arrangements. We are only responsible for the data we collect.
We record all incoming and outgoing phone calls for the purposes of training and fraud protection. We retain the call records for a period of 24 months after your loan has been repaid, or in the case of an inquiry that does not lead to a loan being granted, for a period of 24 months.
If you are a Cubefunder customer, our Referral Programme offers an opportunity to earn £500 for each successful referral leading to a new Cubefunder customer.
To participate, simply share this link with a business associate or contact who may benefit from Cubefunder’s funding solutions.
To qualify for the £500 reward, introduce a new customer who is successfully funded by Cubefunder, and ensure they write a Trustpilot or Google review upon funding.
The Cubefunder Referral Programme entails the application of a discount to your loan balance after a period of three months, provided that the repayment history of your referrals remains consistent. It is imperative that the referred customer adheres to the scheduled repayments throughout this three-month period and for the duration of their remaining loan term.
If you wish to opt-out, please email us at contact@cubefunder.com with the subject ‘Data Protection’ or you can write to us at Cubefunder, 1 Thames Side, Windsor, SL4 1QN.
