Last Updated: 10/12/25

Edinburgh Asset Finance (“we”, “us”, “our”) is committed to safeguarding your personal information. This Privacy Policy explains how we collect, use, store and safeguard your data when you interact with us, visit our website, or enter into a loan agreement.

We are authorised and regulated by the Financial Conduct Authority (FCA).
Company Number: SC451837
FCA Firm Reference Number (FRN): 731903

We are also registered with Information Commissioners Office. ICO number: ZA014565

We act as a data controller for the purposes of the UK GDPR and the Data Protection Act 2018.

  1. Information We Collect

Information you provide directly

  • Name
  • Date of birth
  • Contact details
  • Identification documentation
  • Information relating to your enquiry or loan
  • Asset details relevant to a secured lending agreement

Information we collect during your agreement

  • Communications and records
  • Agreement information
  • Regulatory compliance information

Information from third parties

  • Public records
  • Fraud-prevention databases
  • Identity verification sources

We do not conduct credit checks for pawnbroking loans, although identity or fraud-prevention checks may be required.

  1. How We Use Your Personal Data

We process your data under the following lawful bases:

  1. a) Contractual necessity

To:

  • Assess loan enquiries
  • Establish and manage your loan agreement
  • Communicate with you about your account
  1. b) Legal obligations

To comply with:

  • Anti-money laundering regulations
  • Financial Conduct Authority Regulations
  • HMRC requirements
  • Law enforcement requests
  1. c) Legitimate interests

For:

  • Fraud prevention
  • Record-keeping and internal processes
  • Website and service improvement
  1. d) Consent

Where required (e.g., optional marketing or analytics cookies).

You may withdraw consent at any time.

  1. How We Use Your Information

We use your data to:

  • Provide and manage our loan services
  • Contact you regarding your agreement
  • Meet our regulatory obligations
  • Verify identity and prevent financial crime
  • Maintain accurate internal records
  • Improve our website and services

We will never sell your personal data.

  1. Sharing Your Information

We may share your data with:

  • IT and system providers supporting our operations
  • Fraud-prevention organisations
  • Regulatory authorities
  • Service providers assisting in agreement administration
  • Third parties where rights under your agreement are assigned

Any third party must protect your data securely.

  1. International Transfers

Should data be transferred outside the UK/EEA, we ensure appropriate safeguards such as:

  • Adequacy regulations
  • Standard Contractual Clauses (SCCs)
  • Equivalent protections
  1. Data Retention

We retain data only as long as necessary:

  • Enquiry-only clients: up to 1 year
  • Active or former clients: up to 6 years from the end of the relevant financial year
  • Longer where legally or operationally required

After this, data is securely erased.

  1. Your Rights

Under the UK GDPR, you have the right to:

  • Access your information
  • Correct inaccurate data
  • Request erasure (where applicable)
  • Restrict or object to processing
  • Receive a copy of your data (portability)
  • Withdraw consent
  • Complain to the ICO
  1. Contact Us

To exercise your rights or raise a concern:

Edinburgh Asset Finance
7 Hopetoun Crescent
Edinburgh
EH7 4AY
Tel: 0131 556 2500
Email: info@edinburghasset.co.uk

Or complain to:

Information Commissioner’s Office (ICO)
Wycliffe House, Water Lane
Wilmslow, Cheshire
SK9 5AF
www.ico.org.uk