Close Premium Finance

Terms and conditions of use

The use of this website is subject to the following terms and conditions that you should read carefully.

This website is owned and maintained by Close Brothers Premium Finance. By using this website you agree to be legally bound by these terms and conditions.

Use of this website

The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of Close Brothers Premium Finance to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Close Brothers Premium Finance for personal use and for information purposes only.

Unless otherwise stated, the services and products on this website are intended for use by residents of the United Kingdom and Ireland only, and are not aimed at or intended for use by residents of any other jurisdictions.

Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in the United Kingdom and Ireland only.

This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain site pages to read "Terms and Conditions". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

The contents of this website, including these terms and conditions of use, are subject to change by us without notification.

Privacy policy

We are committed to protecting your privacy

Close Brothers (trading as “Close Brothers Premium Finance”) provide the services and content available on closepf.com (together or individually referred to as “the Site”), and are committed to protecting and respecting your privacy. This policy (together with the terms of use and any other documents referred to in it) sets out the basis on which any personal data Close Brothers collect from Users, or that Users provide to Close Brothers will be processed by it. Please read the following carefully to understand Close Brothers’ views and practices regarding your personal data and how it will treat it. For the purpose of the Data Protection Act 1998 (“the Act”), the data controller is Close Brothers of 10 Crown Place, London EC2A 4FT, registered in England with registration number 0520241.

Information Close Brothers may collect about users

This policy applies to all information Close Brothers receives from you, whether you are registering on our website or ordering any of our products. During the course of your use of this website, Close Brothers may collect two types of information:

1. Website Usage Information – This website uses Google Analytics to automatically gather certain statistical information such as the number and frequency of visitors and IP addresses. This information is used as aggregated statistical information about users, providing usage by IP address. Individual users cannot be identified from this type of data. This information helps us to measure how individuals use the website and our services, so that we can continually improve them.

2. Personal Information – Close Brothers requires personal information from you, such as name, e-mail address, telephone numbers, fax numbers and credit card data in order for us to perform the services offered by the site and to fulfil your requests. Some of this information is voluntary; the compulsory fields are clearly identified whenever you are asked to supply information. On occasions, Close Brothers may also collect additional information from you on a voluntary basis.

We obtain personal information that is needed to provide our goods and services and respond to enquiries.

When Close Brothers collects information directly from individuals, we obtain the personal information that is needed to provide our goods or services, respond to enquiries, to provide customer service and to fulfil any legal or regulatory requirements. We also obtain personal information as a result of individual’s financial transactions with Close Brothers or with Close Brothers business customers. When we obtain information about individuals from third parties, we use reputable sources, including public repositories. Close Brothers employs appropriate measures to assure the quality of information which we collect.

This personal information may be used in a number of ways

  • Information that Users provide by filling in forms on the Site. This includes information provided at the time of registering to use any part of the Site, subscribing to any service, posting material or requesting further services. Close Brothers may also ask Users for information if (for example) Users report a problem with the Site.
  • If Users contact Close Brothers, Close Brothers may keep a record of that correspondence.
  • Details of any transactions Users carry out through the Site and of the fulfilment of any orders.
  • Details of User’s visits to the Site including, but not limited to, the referrer page, the pages of the Site accessed, traffic data, location data, weblogs and other communication data, along with the time of these events.
  • Recordings and location data of any phone calls Users make to Close Brothers, for regulatory purposes, in order to monitor our quality of service, or to establish facts.
  • Identifying potential new customers and subscribers
  • Detecting and preventing fraudulent activity
  • Detecting and preventing money laundering activity.
  • As part of the account opening process for new customers, to verify your identity
  • We may also use the information for making a credit check on you and may share it with third parties to protect ourselves against fraud. We may carry out a search with a Credit Reference Agency who will keep a record of our enquiry against your name. We may use a credit scoring or other automated decision making system when assessing your application. Details of which credit reference agency we have used are available on request.
  • Providing you with the service that you have requested.
  • We may from time to time send promotional e-mails to you with information about our products and services. If you no longer wish to receive such information, you may unsubscribe at any time. We may also contact you via post, e-mail or telephone in relation to the administration of your account or to provide a service you have requested or carry out quality control research.
  • We may access and disclose personal information about you if you breach this privacy policy, and / or fail to comply with applicable laws, court orders and lawful government requests, to operate our systems properly or to protect ourselves and/ or our other users.
  • We take all reasonable precautions to ensure that outside parties or affiliated companies are aware of our privacy policy and that they will treat the personally identifiable information in a similar manner. We cannot, however, be responsible for how such outside parties or affiliated companies use your personal information.

We are committed to protecting the confidentiality of personal consumer information.

Within Close Brothers, access to personal information is limited to those employees of Close Brothers and its affiliates who need it to fulfil their business responsibilities. Vendors and other outside contractors we engage are subject to contractual requirements to ensure personal information is safeguarded. We will disclose personal information in response to a lawful request issued by a court, government agency or regulatory authority with jurisdiction to make that request.

IP addresses

Close Brothers may collect information about User’s computers, including where available their IP address, operating system and browser type, for system administration.

Where Close Brothers store your personal data

All information Users provide to Close Brothers is stored on Close Brothers’ secure servers in the UK. Unfortunately, the transmission of information via the internet is not completely secure. Although Close Brothers will do its best to keep confidential and protect your personal data, Close Brothers cannot guarantee the security of User’s data transmitted to the Site; any transmission is User’s own risk. Once Close Brothers has received User’s information, Close Brothers will use strict procedures and security features to try to prevent unauthorised access.

Close Brothers is committed to implementing the highest standards of information security to protect the privacy and confidentiality of your personal information. We limit access to your personal information to authorised Close Brothers employees. We also maintain physical, electronic, and procedural safeguards to protect the information against loss, misuse, damage or modification and unauthorised access or disclosure.

Our website is a general access site with only the i-prompt login requiring a high level of security. We utilise a range of security measures for i-prompt, including encryption technology that ensures your data remains inaccessible to unauthorised people. i-prompt users need to go through additional layers of security to access this online facility.

Uses made of the information

When we have a direct relationship with individuals, we will strive to make information available to them about the general uses of the information that we collect. This information is made available at the point of sale, through privacy notices on our websites, in other formats that are publicly available or through other means specified by applicable EU legislation and laws.

Close Brothers use information held about Users in the following ways:

  1. To ensure that content from the Site is presented in the most effective manner for Users and User’s computer;
  2. To provide Users with information, products or services that they may request from Close Brothers or which Close Brothers feels may interest Users, where they have consented to be contacted for such purposes;
  3. To carry out Close Brothers’ obligations arising from any contracts entered into between Users and Close Brothers;
  4. Share information with Close Brothers Group;
  5. To allow Users to participate in interactive features of the service, when Users choose to do so; and
  6. To notify Users about changes to the Site.

Where User’s data is used to provide Users with information about goods and services which may be of interest, Close Brothers will contact Users by electronic means only if they have consented to this.

Disclosure of your information

Close Brothers may disclose your information to other business areas within Close Brothers Group, our affiliates, associates or closely linked persons (howsoever defined by law or regulation), their directors, officers, employees and agents as well as any government entity or third party, for the purpose(s) outlined above or as a matter of law. Close Brothers may disclose your personal information to third parties: in the event that Close Brothers sell or buy any business or assets, in which case Close Brothers may disclose your personal data to the prospective seller or buyer of such business or assets; if Close Brothers or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets; and/or if Close Brothers are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply the terms of use and other agreements; or to protect the rights, property, or safety of Close Brothers, its customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Your rights

Users have the right to ask Close Brothers not to process their personal data for marketing purposes. Close Brothers will usually inform Users if it intends to use their data for such purposes or if it intends to disclose their information to any third party for such purposes. Users can exercise their right to prevent such processing by contacting Close Brothers at marketingpf@closebrothers.com. The Site may, from time to time, contain links to and from the websites of Close Brothers’ partner networks, advertisers and affiliates. If Users follow a link to any of these websites, they should note that these websites have their own privacy policies and that Close Brothers does not accept any responsibility or liability for these policies. Users should check these policies before they submit any personal data to these websites.

Visitors under the age of 16

Close Brothers do not intentionally collect personally identifiable information online from a child under 16 since the Site is not directed at children. Any Users under 16 must get approval from a parent/guardian prior to submitting information. Users without consent are not allowed to provide us with information.

Access to information

The Act gives Users the right to access information held about them. User’s right of access can be exercised in accordance with the Act. If Users would like a copy of some or all of their personal information they should email marketingpf@closebrothers.com or write to Close Brothers at the address given above. Any access request may be subject to a fee to meet Close Brothers’ costs in providing Users with details of the information it holds about them.

If you believe that any information we hold about you is incorrect or incomplete, you should write without delay to the address given above. Any information which is found to be incorrect or incomplete will be corrected promptly.

Complaints

All complaints or concerns and appropriate resolution relating to the practices of handling personal information will be logged. Any complaints should be made to the Head of Marketing at the email address given above.

Data Retention

Close Brothers will retain the information for as long as it is reasonably considers necessary for the purposes listed above. Once we have processed your transaction, we will only retain your full credit card data if you have asked Close Brothers to do this, to make it easier for you to use the site for repeat purchases.

Use of cookies

For full details on what cookies are, what they do, and which cookies are used by Close Brothers, please see our Cookie Policy.

To enable you to sign in and personalise your online experience Close Brothers uses “cookies”. A cookie is a small text file that is placed on your hard disk by a web page server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies cannot be used to run programs or deliver viruses to your computer.

Close Brothers uses cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalised content and appropriate advertising on your later visits to Close Brothers' website.

Changes to this privacy policy

Due to the rapidly evolving technologies and capabilities on the internet and evolving EU compliance legislation Close Brothers may need to change this privacy policy over time. Close Brothers may revise these terms of use at any time for security, legal, best practice or regulatory reasons by amending this page. Close Brothers will not use this right to make substantial changes to the terms to User’s detriment without giving Users a chance to agree. Users are expected to check this page from time to time to take notice of any changes Close Brothers made, as they are binding on Users, however data taken before any changes will not be affected without your individual permission. The rest of the contents of this website, including the terms and conditions of use, are subject to change by us without notification. Additionally Close Brothers shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to Close Brothers.

Exclusion of liability

These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation. Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials, are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);

loss of goodwill or reputation; or

special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of Close Brothers Premium Finance) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice from a qualified expert before making any investment decision.

In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.

The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Regulatory information

In the UK 

Calls may be recorded for training purposes. Close Brothers Premium Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered Address: 10 Crown Place, London EC2A 4FT. Registered at Companies House Number 195626.

Close Brothers Limited is a member of the Financial Services Compensation Scheme ("FSCS"). The Scheme can pay compensation to customers if a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim.

FSCS can be contacted by telephone on : 0800 678 1100 or 020 7741 4100 or by writing to FSCS, Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU, Fax: 020 7741 4101.

In Ireland

Close Brothers Premium Finance Ireland is a registered business name of Close Brothers Limited, a UK private limited company (and of its Irish branch of the same name having registration number 905038) — a subsidiary of Close Brothers Group plc.

Close Brothers Limited, trading as Close Brothers Premium Finance Ireland, Close Brothers Commercial Finance, Close Brothers Asset Finance and Close Motor Finance, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Registered Address: 10 Crown Place, London EC2A 4FT. Registered at Companies House Number 195626.  Directors: M. Morgan, P. Prebensen, R. Golden, A. Sainsbury, S. Hodges, S. Bishop, F. Pennal, M. Hook and J. Howell.

Complaints

If you are not satisfied with the products or services offered by Close Brothers Premium Finance and need to raise a complaint you can do so by writing to us at Close Brothers Premium Finance, 21st Floor, Tolworth Tower, Tolworth, Surrey, KT6 7EL, alternatively you can call us on 0870 990 7967 or fax 0870 243 0029. We will acknowledge all complaints within 5 business days of receipt and this will be followed through with a full response letter within 8 weeks.

If you are still not satisfied after following Close Brothers Premium Finance procedures, you can contact The Financial Ombudsman Service and ask the Ombudsman to review the complaint. You can write to them at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 020 7964 1000.

Full details of our compliants procedure can be found on the Complaints page.

Conflict of interest

Close Brothers Limited and its subsidiaries, together with all their employees, agency workers and contractors, adhere to the Close Brothers Group Plc Conflict of Interest Policy. The Group has arrangements in place to identify and manage any conflicts of interest and prevent them from recurring. Where it not possible to ensure there is no risk of damage to clients’ interests, we shall disclose any possible conflict to the client before undertaking business on their behalf.

Disability Discrimination Act (DDA)

We are committed to eliminate on the grounds of disability any discrimination in the work place and making all reasonable and practical adjustments to meet the needs of staff, prospective staff, customers and prospective customers equally.

Our Running Account Credit Agreement (RACA) is available on Audio and in Braille. To request these or to seek assistance on any other matters pertaining to the Disability Discrimination Act please contact marketingpf@closebrothers.com or 020 8786 2401.

Copyright

© 2006 Close Brothers Premium Finance. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

 

 

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