Information Notice

1. Who We Are

LetsTalk Asset Finance is a trading name of LetsTalk Fleet Limited a registered asset finance broker in the UK, authorised and regulated by the Financial Conduct Authority (FCA) Firm Reference No. 773324. We act as an intermediary to connect you with suitable finance providers and facilitate asset finance solutions tailored to your needs.

2. Information We Collect

We collect personal data to provide you with our services. This includes:

a. Information You Provide to Us

• Name, address, email address, and phone number.
• Financial details, including income, expenditure, and credit history.
• Business information, such as company name, registration number, and turnover.
• Supporting documentation, such as proof of identity and address.

b. Information We Collect Automatically

• IP address, browser type, and usage data when you visit our website.
• Cookies and analytics data to improve user experience (see our Cookie Policy for details).

c. Information from Third Parties

• Credit reference agencies for creditworthiness checks.
• Lenders and service providers for processing applications.

3. How We Use Your Information

We use your personal data for the following purposes:

• To Provide Services: Process your application, match you with suitable lenders, and facilitate finance agreements.
• To Conduct Credit Checks: Assess your financial eligibility for asset finance products.
• To Comply with Legal Obligations: Meet anti-money laundering (AML) and fraud prevention requirements.
• For Marketing (Optional): If you opt in, we may send you relevant updates and promotional offers.

4. Who We Share Your Information With

We may share your personal data with:

• Finance providers, lenders, and credit reference agencies to process your application.
• Third party service providers supporting our operations (e.g., IT or payment processing).
• Regulatory authorities to comply with legal obligations.

We do not sell your personal data to third parties.

5. Legal Basis for Processing Your Data

We process your personal data under the following legal bases:

• Contractual Obligation: To deliver the services you request.
• Legitimate Interest: To improve our services and manage our operations.
• Legal Obligation: To comply with applicable laws and regulations.
• Consent: For optional marketing communications or where required by law.

6. Your Rights

Under the UK GDPR, you have the following rights:

• Access: Request a copy of your personal data.
• Correction: Request updates to inaccurate or incomplete information.
• Deletion: Request the deletion of your data where it is no longer needed.
• Objection: Object to processing for direct marketing or other legitimate interests.
• Restriction: Request limited processing of your data.
• Data Portability: Request a machine-readable copy of your data.

To exercise your rights, contact us at [email protected]

7. Retention of Your Data

We retain your personal data only as long as necessary:

• To fulfil the purposes for which it was collected.
• To comply with legal, regulatory, and reporting obligations (typically 6 years after the end of a finance agreement).

8. Data Security

We implement robust security measures to protect your personal data, including:

• Encryption of sensitive information.
• Secure servers and access controls.
• Regular security assessments and staff training.

9. Cookies and Tracking

Our website uses cookies to enhance your experience. For more details on how we use cookies and how to manage them, please refer to our Cookie Policy.

10. Changes to This Notice

We may update this Information Notice periodically to reflect changes in our practices or legal requirements. The latest version will always be available on our website.

11. Contact Us

If you have questions or concerns about this Information Notice or how we handle your personal data, please contact us:

You can contact us by phone, or email or in writing, using the contact details published on our website from time to time. You’ll find them, at the bottom of our home page.

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) if you believe your data has not been handled in accordance with the law.

Thank you for trusting LetsTalk Asset Finance with your personal data. We are committed to safeguarding your privacy and providing transparent, compliant services.