Privacy Policy

Effective Date: January 1st, 2025.

Plain English Summary

At Universal Exports Finance LTD ("we", "our", or "us"), we are committed to respecting and protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or interact with us. We only collect data that is necessary, and we never sell your personal data.

We encourage you to read this Privacy Policy carefully to understand your rights and how we process your information.

1. Definitions and Interpretation

In this Privacy Policy:

Data: Any information that identifies or can be used to identify an individual, directly or indirectly.
Data Controller: Universal Exports Finance LTD, who determines the purposes and manner in which your data is processed.
Data Protection Laws: All applicable laws relating to the processing of personal data, including the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other relevant legislation.
User or You: Any individual who accesses or uses the Website, excluding our employees or service providers acting in the course of their duties.
Website: The website operated by Universal Exports Finance LTD, including any subdomains.
Processing: Any operation performed on personal data, such as collection, storage, use, disclosure, or deletion.

Unless the context requires otherwise:

Words in the singular include the plural and vice versa.
References to persons include companies and legal entities.
"Including" means "including without limitation."

2. Scope of This Privacy Policy

This Privacy Policy applies to your use of our Website and to any personal data collected by us through your use of the Website or your communications with us. It does not extend to any websites that can be accessed from our Website, including any links to third-party websites.

3. Our Role as Data Controller

For purposes of applicable data protection laws, Universal Exports Finance LTD is the Data Controller of your personal data. This means that we determine the purposes and means of processing your data.

4. Information We Collect

We may collect and process the following categories of personal data:

4.1 Data You Provide Directly

When you interact with us, we may collect:

Your name and surname.
Your contact information (email address, telephone number, postal address).
Any additional information you provide when contacting us, submitting enquiries, or communicating with us.

4.2 Data We Collect Automatically

When you access or use our Website, we may automatically collect:

IP address.
Browser type and version.
Operating system and platform.
Referrer website.
Pages visited and time spent on each page.
Date and time of access.
Interaction data (clicks, scrolling, navigation).

4.3 Special Categories of Data

We do not intentionally collect special categories of data (sensitive personal data) such as health information, racial or ethnic origin, political opinions, or religious beliefs through the Website.

5. How We Collect Your Data

We collect your data in the following ways:

Directly From You: When you submit enquiries, communicate with us, or provide information through forms on the Website.
Automatically: When you browse or interact with our Website (via analytics tools and server logs).
From Third Parties: Where legally permitted, we may receive data from service providers, partners, or public sources.

6. Legal Basis for Processing

We process your personal data based on one or more of the following lawful bases:

Consent: When you have given us clear consent to process your data.
Contract: When processing is necessary to perform a contract with you or take steps at your request before entering a contract.
Legal Obligation: When processing is necessary to comply with a legal or regulatory obligation.
Legitimate Interests: When processing is necessary for our legitimate business interests, provided that your rights and interests do not override them.

Where we rely on consent, you may withdraw your consent at any time.

7. How We Use Your Data

We use your data for the following purposes:

To respond to your enquiries and communications.
To provide, maintain, and improve our services.
To manage and administer our relationship with you.
To comply with legal and regulatory requirements.
To monitor and improve the performance and usability of our Website.
To protect the security and integrity of our systems.

We do not use your personal data for automated decision-making or profiling.

8. Sharing Your Data

We may share your personal data with:

Service Providers: Including IT service providers, website hosting, analytics providers, and other business partners who process data on our behalf.
Regulatory Authorities: Where required by law or regulatory obligation.
Professional Advisers: Such as lawyers, auditors, and consultants.
Prospective Buyers: In the event of a business sale, merger, or acquisition.
Other Third Parties: Where you have provided consent or where disclosure is necessary to protect legal rights.

We require all third parties to respect the security and confidentiality of your personal data and to process it in accordance with the law.

9. International Data Transfers

Your personal data may be stored or processed in countries outside the United Kingdom and the European Economic Area (EEA). In such cases, we will ensure that:

Appropriate safeguards are in place, such as Standard Contractual Clauses approved by relevant authorities.
The transfer is otherwise permitted under applicable data protection laws.

You may contact us to obtain further information on the safeguards we use.

10. Data Security

We implement appropriate technical and organisational measures to protect your personal data, including:

Secure servers.
Firewalls and encryption.
Access controls.
Regular monitoring and testing of our systems.

While we take reasonable steps to protect your data, no website or online service is completely secure. If you suspect misuse of your data, please contact us immediately.

11. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes outlined in this Privacy Policy or as required by law, including:

To respond to your enquiries.
To comply with legal, accounting, or regulatory obligations.
To establish, exercise, or defend legal claims.

When we no longer require your data, we will securely delete or anonymise it.

12. Your Rights

Under data protection laws, you have the following rights:

Right to Access: Request a copy of the personal data we hold about you.
Right to Rectification: Request correction of inaccurate or incomplete data.
Right to Erasure: Request deletion of your personal data.
Right to Restrict Processing: Request restriction of processing in certain circumstances.
Right to Data Portability: Request that your data be transferred to another service provider.
Right to Object: Object to processing where we rely on legitimate interests.
Right to Withdraw Consent: Where processing is based on consent, you may withdraw it at any time.

To exercise any of these rights, contact us at: contact@uexfin.com

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) in the UK or your local supervisory authority.

13. Links to Other Websites

Our Website may contain links to third-party websites. We are not responsible for the content or privacy practices of such websites. We encourage you to read their privacy policies before providing personal data.

14. Business Ownership Changes

If Universal Exports Finance LTD undergoes a business transition (such as a merger, acquisition, or asset sale), your data may be transferred to the new owner. We will ensure that the new owner continues to process your data in accordance with this Privacy Policy.

15. Your Responsibilities

It is your responsibility to ensure that the information you provide to us is accurate, complete, and up to date. Please notify us of any changes to your personal data.

16. Governing Law

This Privacy Policy and any dispute or claim arising out of or in connection with it shall be governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over any such dispute or claim.

17. General Provisions

You may not transfer any of your rights or obligations under this Privacy Policy to any other person. We may transfer our rights or obligations under this Privacy Policy where we reasonably believe that your rights will not be affected.

If any provision of this Privacy Policy is determined to be unlawful, void, or unenforceable by a court or competent authority, the remaining provisions shall remain in full force and effect.

No failure or delay by us in exercising any right or remedy under this Privacy Policy shall constitute a waiver of that or any other right or remedy.

This Privacy Policy is governed by the laws of England and Wales. Any disputes arising in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of England and Wales.

18. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. Any changes will be posted on this page with an updated effective date. You are encouraged to review this Policy periodically.

19. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your data, please contact us at:

Universal Exports Finance LTD
71-75 Shelton Street,

Covent Garden,

London, United Kingdom,

WC2H 9JQ.

Email: contact@uexfin.com