The information on the Site, unless otherwise specified, is intended for residents in the Channel Islands. The Site is provided for information purposes only and nothing on the Site constitutes an offer to enter into a contract.
Availability
Close Finance will endeavour to ensure the Site is available but reserves the right to take the site down without notice and for any period of time. Close Finance will not be liable in any way for loss arising from the unavailability of the Site.
Privacy
The Site does not currently use cookies. Any personal information captured on this site will be used for the purpose stated in the input form and not for any form of unsolicited promotional purpose. However, in completing the online enquiry/application form, you consent to us contacting you by phone or by email (whichever form of communication you elect)
Liability
Close Finance makes reasonable attempts to ensure the accuracy of information on this site at the date of publication. Errors and omissions may occur. Close Finance will not be liable for loss or damages arising, in contract, tort or otherwise, directly or indirectly from the use of or reliance upon any information on the Site.
Email
We do not guarantee that any email sent to the addresses given on the Site will be received by us or that the contents will remain private during internet transmission.
Copyright
You may use the information on the Site for personal use only. You may not reproduce, store or transmit any information available on the site in whole or in part for any reason unless you receive written consent from Close Finance. Back to top>>
Credit Searches
When you apply to us to for finance whether online or otherwise, we will check the following records about you and others including business partners (if applicable):
a. Our own;
b. Personal and business* records at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.
c. Those at fraud prevention agencies (FPAs)
We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.
If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts on how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
If you give us false or inaccurate information and we suspect or identify fraud, we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection (Bailiwick of Guernsey) Law (2001). Back to top>>
Credit File Request
This is a condensed version and if you would like to read the full details of how your data may be used please phone (your local branch and ask for the Branch Manager.
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414
Equifax PLC, Credit File Advice Centre, PO Box 3011, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk
Please contact us at Close Finance:
PO Box 483, Conway House, Conway Street, St Helier, JERSEY, JE4 5SR
Frances House, Sir William Place, St Peter Port, GUERNSEY, GY1 1GX C.I.
If you want to receive details of the relevant fraud prevention agencies (fees may apply). Back to top>>
Contacting You
We may use your information for marketing purposes and contact you to tell you about our products and services or update you on our latest promotions and special offers that we believe may be of interest to you.
We may monitor and record phone calls and retain these for the purpose of training and quality assurance.
You have a right to ask for a copy of the information that we hold on you, for which we are entitled to charge a small fee. For copy information, please write to us enclosing a cheque for £10.00 made payable to Close Finance.
If at anytime you decide that you no longer wish to receive marketing correspondence from ourselves you may write to us. Back to top>>
Complaints
If you wish to make a complaint, please phone your local branch or email customercare@closefinanceci.com Back to top>>