Ozoomi is a trading name of Vision Funding Ltd. Vision Funding Ltd (“Vision Funding”, “Us”, “Our", “We”) is responsible for the collection and processing of your personal data and acts as the “Data Controller” under the Data Protection Act (DPA).
This privacy notice explains our approach to all personal data and by using our website and services, you are agreeing to our privacy terms and trusting us with your information.
We are a company registered in England and Wales and our company registration number is 14151589. We are also registered as a Data Controller with the Information Commissioner’s Office (ICO), registration number ZB496096.
Vision Funding Ltd, Suite 4, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU
Email: contactus@visionfunding.co.uk
Phone: 0333 090 3069
We are a credit broker, not a lender. This notice outlines our commitment to protecting and respecting your privacy and data rights as required by the General Data Protection Regulation (GDPR). The GDPR grants individuals more rights and requires Data Controllers to be more transparent in their processing of personal data.
This privacy notice applies to any users who share information with us. Data protection law requires us to have a valid reason for using your personal data. We may rely on one or more of the following reasons to use your personal data:
When you apply for our products and services, we will ask you to voluntarily provide us with personal information such as employment details, salary, bank account information, and proof of identification. In every case, we process this data in the most sensitive manner possible. If you do not provide this information, we may not be able to offer you our products and services.
There will be circumstances where we will only process your data if we have your consent to do so. For example, if you provide us with data that is classed as a special category of data such as health information, criminal records of convictions and offences, or allegations of criminal offences. We will only process this with your permission (unless we feel the processing is necessary to protect your vital interests or if the law allows us to do so). You have a right at any time to ask us to stop the processing of that specific data.
We may also collect information about you from third parties, including credit reference agencies, to help us determine the best product or service for your needs based on your application. This information will be used to match you with the appropriate product or service.
As the Data Controller, we are responsible for ensuring that we have a legitimate reason for processing your information. Some of the purposes for which we may use your personal data include:
When you register an interest in our services or make use of our services, you consent to us sharing your data with the following parties:
In the event of a sale or purchase of a business or assets, we may disclose your personal information to the potential buyer or seller. If Vision Funding Ltd or a significant portion of its assets are acquired by a third party, the personal data we have collected from you may be transferred as part of the assets.
To process your application, we will perform credit and identity checks on you with one or more Credit Reference Agencies (CRAs). We may also carry out further periodic searches at CRAs to allow us to manage your account with us.
To do this, we will supply your personal information to CRAs. This will include your name, date of birth and residential address. It may also include additional information such as your salary, previous residential addresses and other information you provide as part of your credit application.
The CRAs will match this information to the records they hold about you, and provide in return, both public information (including the electoral register) and shared credit information about your financial situation and financial history.
We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRA’s about your settled accounts. If you borrow and do not repay in full or on time, the CRAs will record the outstanding debt. This information may be supplied to other organisations by 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.
If you are making a joint application, or tell us that you have a spouse or a financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as your partner successfully files for a disassociation with the CRAs to break the link.
We may share your information with any person or organisation that you have given permission to engage with us on your behalf or that has a legal authorisation to do so. This includes parents/guardians, or any other helpers in cases where you are unable to manage your own affairs due to mental incapacity or similar issues. We may also share your information with organisations you have chosen to act on your behalf or authorised to receive your information, such as law firms and claims management companies.
We act as a credit intermediary (broker) and will share your information with our lending partners. While we typically act as a Data Controller with regards to your information, there may be instances where we act as a Data Processor. In those cases, the relevant Data Controller's (lender's) privacy notice will apply.
Here are links to those notices:
At Vision Funding, we use cookies to improve your experience on our website and to better understand how people use our site. By continuing to browse the site, you are agreeing to our use of cookies.
Cookies are small pieces of data that are stored on your computer or mobile device when you visit a website. They are commonly used to remember your preferences and actions on a website, to personalise your experience, and to track your usage of the website.
We use cookies to improve your experience on our website and to better understand how people use our site. For example, we may use cookies to:
We use two types of cookies:
1. Essential cookies: These cookies are necessary for the website to function properly and cannot be turned off. They are typically set only in response to actions you take, such as logging in to your account or filling out a form. You can set your browser to block or alert you about these cookies, but some parts of the site will not work.
2. Non-essential cookies: These cookies are used to improve your experience on the website and to collect anonymized data on how you use our site. They are typically set in response to actions you take, such as clicking on a link or viewing a page. You can set your browser to block or alert you about these cookies, but some parts of the site will not work.
Our website has a cookie popup which gives you options to accept or reject our use of cookies. We may still use Strictly Necessary cookies even if you reject our use of cookies through this popup.
You can control and manage the use of all cookies through your web browser settings. Most browsers allow you to refuse or accept cookies, and to delete them from your device.
To learn more about cookies and how to manage them, please visit https://www.aboutcookies.org
We safeguard personal data by storing it on a password-protected CRM and use appropriate technical and organisational measures to protect personal data disclosed to us. While we make every effort to secure this data, we cannot guarantee the security or integrity of personal data transferred via the internet.
We may monitor and record communications with you, such as phone conversations and emails, for quality assurance, training, fraud prevention, or compliance purposes.
As a regulated financial services business, we are committed to preventing financial crime, which includes fraud, money laundering, tax evasion, or terrorist financing. Your personal information may be shared with fraud prevention agencies for the purposes of preventing fraud and money laundering, and to verify your identity. If we or a financial crime prevention agency determine that you pose a risk of fraud or money laundering, we may refuse to provide the requested services or financing, or we may stop providing existing services to you. Your information may be retained by financial crime prevention agencies for up to six years if you are considered a risk. This could also lead to us and others refusing to provide services, financing, or employment to you.
Your personal data will be stored on secure servers. If you have been given or have chosen a password to access certain parts of our site, it is your responsibility to keep it confidential. Please do not share your password with anyone.
Your data may be transferred and stored in a location outside of the European Economic Area by one of our suppliers. It may also be processed by staff located outside of the EEA who work for one of our suppliers. This includes staff providing support services. By submitting your personal data, you agree to this transfer and processing. Vision Funding will take all necessary steps to ensure that your data is treated securely and in accordance with our privacy policy.
While we strive to protect your personal data, the transmission of information over the internet is not completely secure. We will do our best to protect your data but cannot guarantee its security when transmitted to our site. Any transmission is done at your own risk. Once we have received your information, we will use strict procedures and security measures to try and prevent unauthorised access.
We will store your personal information for up to seven years from the end of your relationship with us. This is primarily to comply with legal and regulatory obligations. However, it may be extended in cases of ongoing disputes or complaints. If the relationship is extended, it will be ended as soon as the dispute or complaint is resolved.
We are committed to ensuring your data is kept secure so review our security systems on a regular basis. This is for various reasons, including providing information to regulators on our operational practices.
When you enter into an agreement with us, we may send you marketing information by post, email or text about agreement renewals and/or similar products and services that we think will be of interest to you.
You have the right to opt out of our use of your personal data to provide marketing to you and this can be done by:
You have the right to request access to your personal data that we process. This is called a Subject Access Request (SAR) and is made under the Data Protection Act. To make a SAR, you should:
Write a request, either by email or letter and include the following:
You have the right to ask us to correct any inaccuracies in your data at no cost. To do this, you should:
You have the right to request the erasure of your data, to restrict the processing of your data, to request the transfer of your personal data, and to withdraw your consent at any time. To do this, you should:
All individuals who are the subject of personal data held by our company have the following rights:
Vision Funding must make it easy for individuals to exercise their rights regarding their personal information. If an individual makes any of the above requests, we must respond to you within one month to confirm the action taken, the outcome of any decision and the reason why.
Vision Funding cannot charge a fee to an individual for exercising their rights unless the request is excessive, such as a repetitive request that has already been fulfilled. Any charge should be limited to the administrative cost of complying with the request.
Where we provide links to websites of other organisations, this privacy notice does not cover how that organisation processes personal information. We encourage you to read the privacy notices on the other websites you visit.
You have the following rights regarding your information:
To exercise your right of access to a copy of your information, please contact us in writing ensuring that you put SAR with your full name in the subject line. For SARS and any other questions or to exercise a different right, please contact our data protection team at dpo@visionfunding.co.uk
You have the right to object to the processing of your information for direct marketing purposes, and a limited right to object in other situations, such as when processing is based on legitimate interests.
If you are dissatisfied with our processing of your information, please first contact our Data Protection Officer as they may be able to resolve your complaint or address your concerns at dpo@visionfunding.co.uk
If you remain dissatisfied you will be able to refer your concerns to the Information Commissioner’s Office (ICO), the body that regulates the handling of Personal Data in the UK. Contact details:
https://ico.org.uk/make-a-complaint
Telephone: 0303 123 1113
