|Name||Rivercrown Finance Limited|
|Address:||4th Floor, 52 Conduit Street, London W1S 2YX|
|Phone:||+44 (0)20 7629 6634|
|Authorized managing directors:||Stephen Benson
|Companies House registered address:||Aston House, Cornwall Avenue, London N3 1LF|
|Company register number:||09077487|
|VAT ID||221 0867 39|
Rivercrown Finance Limited (“Rivercrown”) and its directors have taken all reasonable care to ensure that all the facts stated on this website are true and accurate in all material respects and that there are no other material facts or opinions or information which have been omitted from them which would make any part of this website misleading. Rivercrown will take reasonable care to ensure that the information provided on this website is accurate and up to date, although no representations or warranties are given of any kind, express or implied, with regard to the accuracy or completeness of this information.
Rivercrown and its directors, employees and officers exclude all liability and responsibility in connection with the use of this website. Users of this website do so entirely at their own risk.
Rivercrown may amend the content of this website or any part of it, or may periodically make it unavailable for updating, with or without notice, at any time, and are not liable to users of this website for any effect thereof.
The above limitations and exclusions shall not affect the duties or liabilities of Rivercrown Finance Limited under the Financial Services and Markets Act 2000, or purport to apply to liability for fraud, or for death or personal injury caused by negligence.
We reserve the right to remove this website or any part thereof from the Internet without notice.
Last revised: June 2019.
Copyright © 2018 Rivercrown Finance Limited. All rights reserved.
DATA PROTECTION POLICY
We appreciate your interest in our website, www.rivercrown.co.uk (hereinafter the “Website”).
The Website is operated by Rivercrown Finance Limited. The Managing Directors: Stephen Benson and Jacob Lyons. In what follows, we will provide you with information about how we will use your data when you visit our Website and which rights you have with respect to our use of your data. If you have any questions about our use of your personal data, please don’t hesitate to contact us. The controller within the meaning of the General Data Protection Regulation (hereinafter “GDPR”) and other national data protection laws of EU countries and other data protection laws is: Rivercrown Finance Limited, 4th Floor, 52 Conduit Street, London W1S 2YX
- DATA PROTECTION OFFICER
Mr Giles Woodward, 4th Floor, 52 Conduit Street, London W1S 2YX
- GENERAL INFORMATION ABOUT DATA PROCESSING
- EXTENT OF PROCESSING PERSONAL DATA
We will generally collect and use personal data of our users only if and to the extent necessary to make available a functional website and/or to provide our content and services. Personal data of our users generally will be collected and/or used only with the prior consent of the user. An exception applies in cases where obtaining prior consent is practically impossible and where data processing is permitted by applicable law. The types of data we process are as follows:
- master data (e.g., names, addresses)
- contact data (e.g., email addresses, telephone numbers)
- content data (e.g., text entries, photographs, videos)
- user data (e.g., visited websites, interest in content, access times)
- meta/communication data (e.g., device information, IP addresses).
- LEGAL BASIS FOR PROCESSING PERSONAL DATA
If we obtain the consent of a data subject for processing personal data, the legal basis for processing such personal data is Art. 6 para. 1 let. a) EU General Data Protection Regulation (hereinafter “GDPR”). If we process personal data that are necessary to perform a contract to which the data subject is a party, the legal basis for processing such personal data is Art. 6 para. 1 b) GDPR. The same applies if processing personal data is necessary to perform pre-contractual measures. If processing personal data is necessary to perform a legal obligation of our company, the legal basis for such data processing is Art. 6 para. 1 c) GDPR. If processing personal data is necessary to protect a legitimate interest of our company or a third party and the interests, fundamental rights and fundamental freedoms of the data subject do not outweigh that legitimate interest, the legal basis for such data processing is Art. 6 para. 1 let. f) GDPR.
- ERASURE OF DATA AND DURATION OF DATA STORAGE
Personal data of a data subject will be erased or blocked as soon as they are no longer needed for the purposes for which they are stored. Data may also be blocked if provided for by UK, EU or national regulations, laws, or other provisions to which the controller is subject. Data will also be blocked or erased if recordkeeping obligations under the aforementioned norms expire, unless continued storage of such data is necessary to enter into or perform a contract.
III. MAKING AVAILABLE THE WEBSITE AND CREATING LOG FILES
- DESCRIPTION AND EXTENT OF DATA PROCESSING
When our Website is accessed, our system will automatically collect data and information from the computer system of the terminal device accessing the Website. In this connection the following data will be collected for a limited time period:
- information about the type and version of the browser used,
- the operating system of the user,
- the Internet service provider of the user,
- the IP address of the user,
- the date and time of access, and
- the websites from which the system of the user arrived on our Website (referrer URL)
Such data will be stored in log files of our system. Such data are needed only to analyze any malfunctions and will be erased at the latest within seven days. The legal basis for temporarily storing data in log files is Art. 6 para. 1 let. f) GDPR. Temporary storage of the IP address for the system is necessary for making the Website available to the terminal device of the user. For this purpose, the IP address of the user must be stored for the duration of the session. Data are stored in log files to ensure the functionality of our Website. In addition, such data are used to optimize the Website and to ensure the security of our IT systems. Data will not be analyzed for marketing purposes in this connection, and we will draw no inferences as to your identity. The aforementioned purposes also provide the basis of our legitimate interest in data processing within the meaning of Art. 6 para. 1 let. f) GDPR. Collecting data to make available the Website and storing data in log files is necessary for operating the Website. Consequently, users have no right to object to the collection or use of such data for the aforementioned purposes.
- GOOGLE WEB ANALYSIS AND REMARKETING SERVICES
- GOOGLE RE-/MARKETING SERVICES
On the basis of our legitimate interests (i.e., the interests in analyzing, optimizing, and profitably operating our website within the meaning of Art. 6 para. 1 let. f) GDPR) we use marketing and remarketing services (hereinafter “Google Marketing Services”) of Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Irland (hereinafter “Google”). Google is certified under the Privacy Shield Framework thereby providing a guarantee to comply with European data protection law ( https://www.privacyshield.gov/participant?id=a2zt000000001L5AAI&status=Active).
Google Marketing Services allow us to show advertisements for and on our website in a more targeted manner, in order to show users only those advertisements in which they are potentially interested. For example, if a user is shown advertisements for products for which that user has expressed interest on other websites, this is referred to as “remarketing.” For this purpose a Google code is executed by Google and so-called (re-)marketing tags (invisible graphics or code also known as “web beacons”) are immediately integrated into the website whenever our website or other websites on which Google Marketing Services have been activated are visited. With the help of (re-)marketing tags a cookie, a small file, is stored on the device of the user (in lieu of cookies other comparable technologies may also be used). Cookies may be placed by different domains, among them google.com, doubleclick.net, invitemedia.com, admeld.com, googlesyndication.com, or googleaddservices.com. This file tracks which websites are visited by a user, content in which a user has shown interest, on which products or services a user clicks, technical information about the browser and operating system, referrer websites, times of website visits, and other information about website traffic. In addition, the IP address of a user is recorded; however, in connection with Google Analytics the IP address will be masked within member states of the European Union or other signatory states to the Agreement on the European Economic Area, and only in exceptional cases will the full IP address be transferred to a Google server in the United States and masked there. The IP address will not be merged with any data of the user within any other services of Google. If a user subsequently visits other websites, that user may be shown advertisements based on the user’s interests. User data will be processed pseudonymously in connection with Google Marketing Services. This means that Google will, for example, not store or process the name or email address of a user, but rather process cookie-generated data only within pseudonymous user profiles. This means that from the perspective of Google, ads will not be managed or shown for a specific, identified person, but only for the cookie holder, regardless of who the cookie holder is. An exception applies if a user has expressly permitted Google to process data without pseudonymization. Information about users collected through Google Marketing Services will be transferred to Google and stored on Google servers in the United States. We use Google Tag Manager to manage and integrate Google web analysis and marketing services into our website.
You will find additional information about Google’s use of data for marketing purposes on the following page: https://www.google.com/policies/technologies/ads.
- ONLINE PRESENCE IN SOCIAL MEDIA
- DATA PROTECTION FOR JOB APPLICATIONS AND DURING JOB APPLICATION PROCESS
We collect and process personal data of job applicants for purposes of managing the job application process. Data may also be processed electronically. This is the case in particular if a job applicant submits job application documents electronically, for example by email. If we enter into an employment agreement with a job applicant, the data that have been provided by the job applicant will be stored for purposes of managing the employment relationship in compliance with applicable law. If we do not enter into an employment agreement with a job applicant, the job application documents will be automatically deleted after we have announced our decision not to hire the job applicant, unless erasure would conflict with other legitimate interests of the controller.
VII. RIGHTS OF DATA SUBJECTS
If we process your personal data, you will be a data subject within the meaning of the GDPR and you will have the following rights against the controller:
- RIGHT TO INFORMATION
You may demand that the controller confirm whether or not personal data about you are processed by us. If we do process such data, you may demand the following information from the controller:
- the purposes for which your personal data are processed;
- the categories of personal data that are processed;
- the recipients or categories of recipients to whom your personal data have been or will be disclosed;
- how long we plan to store your personal data or, if that time period cannot be ascertained yet, the criteria used to determine how long we will store your personal data;
- whether you have a right to rectification or erasure of your personal data, a right to restricted processing by the controller, or a right to object to such processing;
- whether you have a right to lodge a complaint with a supervisory authority;
- any available information about the origin of data if they were not collected directly from the data subject; and
- whether your personal data will be transferred to any third country or international organization; in connection with such transfers you may demand to be informed of appropriate safeguards within the meaning of Art. 46 GDPR.
- RIGHT TO RECTIFICATION
You have a right against the controller to have incorrect personal data rectified and/or to have incomplete personal data completed if the personal data we process are incorrect or incomplete. The controller must rectify data without undue delay.
- RIGHT TO RESTRICTED PROCESSING
Under the following conditions you may demand restricted processing of your personal data:
- if you dispute the correctness of your personal data for a time period that allows the controller to review whether your personal data are correct;
- if processing is unlawful and you decline to have your personal data erased and instead demand restricted use of your personal data;
- if the controller no longer needs your personal data for the purposes for which they are processed, but you need such data to assert, exercise, or defend legal rights or claims, or
- if you have objected to processing of your personal data in accordance with Art. 21 para. 1 GDPR and it has not yet been determined whether there are overriding legitimate reasons of the controller.
If processing of your personal data is restricted, such data may – except for their storage – be processed only with your consent, or to assert, exercise, or defend legal rights or claims, to protect the rights of another natural person or legal entity, or for reasons related to an important public interest of the European Union or any member state. If processing of your personal data has been restricted under the aforementioned conditions, you will be notified by the controller before the restriction is lifted.
- RIGHT TO ERASURE
- a) Erasure obligation You may demand that the controller erase your personal data without undue delay and the controller has an obligation to do so if one of the following reasons applies:
- your personal data are no longer needed for the purposes for which they were collected or are otherwise processed;
- you have revoked your consent on which the processing of your data is based in accordance with Art. 6 para. 1 let. a) or Art. 9 para. 2 let. a) GDPR, and there is no other legal basis for processing your personal data;
- you have objected to processing of your personal data in accordance with Art. 21 para. 1 GDPR and there are no overriding legitimate grounds for processing your personal data, or you object to processing in accordance with Art. 21 para. 2 GDPR;
- your personal data have been processed unlawfully;
- erasing your personal data is necessary to comply with a legal obligation under European law or member state law to which the controller is subject; or
- your personal data were collected with respect to offered information society services within the meaning of Art. 8 para. 1 GDPR.
- b) Information to third parties Where the controller has made personal data public and has an obligation under Art. 17, para. 1 to erase such personal data, the controller, taking into account available technology and the cost of implementation, must take reasonable steps, including technical measures, to inform controllers which are processing such personal data that the data subject has requested the erasure by such controllers of any links to, or copies or duplicates of, such personal data. c) Exceptions There is no right to erasure if processing personal data is necessary
- to exercise the right to freedom of expression and information;
- to comply with a legal obligation which requires processing of your personal data under EU or member state law to which the controller subject, or to perform a task that is in the public interest, or to exercise official authority vested in the controller;
- for reasons of the public interest in the area of public health within the meaning of Art. 9 para. 2 let. f) and i) and Art. 9 para. 3 GDPR; or
- to assert, exercise, or defend legal rights or claims.
- RIGHT TO NOTIFICATION
If you have exercised your right to rectification, erasure, or restricted processing against the controller, the controller has an obligation to notify all recipients to whom your personal data have been disclosed of such rectification, erasure, or restricted processing, unless this proves impossible or would be associated with unreasonable expense. You have a right to be informed of all such recipients by the controller.
- RIGHT TO DATA PORTABILITY
You have a right to receive personal data you have made available to the controller in a structured, standard, and machine-legible format. You also have the right to transfer your personal data to another controller without any interference by the controller to whom the personal data were made available, if
- processing is based on consent within the meaning of Art. 6 para. 1 let. a) GDPR or Art. 9 para. 2 let. a) GDPR or on a contract within the meaning of Art. 6 para. 1 b) GDPR, and
- data processing is automated.
In exercising the right to data portability you further have the right to have your personal data transferred directly from one controller to another controller, if and to the extent that this is technically feasible. No rights or freedoms of any other persons may be infringed thereby. The right to data portability does not apply to processing of personal data that is necessary to perform a task that is in the public interest or to processing of personal data in the exercise of official authority vested in the controller.
- RIGHT OF OBJECTION
You have the right for reasons related to your particular situation to object to processing of your personal data at any time based on Art. 6 para. 1 let. e) or f) GDPR; the same applies to any profiling based on the aforementioned provisions. If you object, the controller will no longer process your personal data, unless the controller can show that there are compelling protected reasons for processing your personal data that override your interests, rights and freedoms, or if your data are processed to assert, exercise, or defend legal rights or claims. If your personal data are processed for direct advertising purposes, you have a right to object to processing of your personal data for purposes of such advertising at any time; the same applies to any profiling associated with such direct advertising. If you object to processing of your personal data for purposes of direct advertising, your personal data will no longer be processed for such purposes. In connection with use of information society services you may exercise your right of objection – regardless of Directive 2002/58/EC – by using automated processes for which technical specifications are used. For this purpose, you may send an email to our data protection officer.
- RIGHT TO REVOKE CONSENT TO DATA PROCESSING
You have a right to revoke your consent to data processing at any time. If you exercise your right of revocation, the lawfulness of data processing that occurs before revocation based on your consent will remain unaffected.
- AUTOMATED DECISION IN A PARTICULAR CASE, INCLUDING PROFILING
You have a right not to be subjected to a decision that is made exclusively by means of automated processing – including profiling – if such a decision has legal consequences for you or otherwise substantially impairs your interests. This does not apply if the decision
- is necessary to enter into or perform a contract between you and the controller,
- is permitted under EU or member state law to which the controller is subject and such law provides for appropriate safeguards to protect your rights, freedoms, and legitimate interests, or
- is made with your express consent.
However, such decisions may not be made with respect to special categories of personal data within the meaning of Art. 9 para. 1 GDPR, unless Art. 9 para. 2 let. a) or g) GDPR applies and appropriate safeguards have been implemented to protect your rights, freedoms, and legitimate interests. In cases 1) and 3) above the controller must implement appropriate safeguards to protect your rights, freedoms, and legitimate interests, which must include, at a minimum, a right to present your own point of view, and a right to contest the decision.
- RIGHT TO LODGE COMPLAINT WITH SUPERVISORY AUTHORITY
Without prejudice to any other available administrative or judicial remedies, you have a right to lodge a complaint with a supervisory authority, in particular a supervisory authority located in the member state of your habitual residence, at your workplace, or at the place of the purported infringement, if in your opinion the processing of your personal data violates the GDPR. The supervisory authority where the complaint is lodged will then notify the complainant of the progress and outcome of the complaint, including judicial remedies available under Art. 78 GDPR.