Privacy and legal - Finance Earth

Legal disclosure and privacy policy

Disclaimer

Introduction

The term Finance Earth, ‘us’ or ‘we’ refers to the owner of the Website www.finance.earth. Finance Earth is a trading name of Environmental Finance Limited, a limited liability company registered in England and Wales no. 831569, whose registered office is at W106 Vox Studios, 1-45 Durham Street, SE11 5JH. Environmental Finance Limited is authorised and regulated by the Financial Conduct Authority (registration no. 831569). The term ‘you’ or ‘your’ refers to the user or viewer of this Website.

These Terms of Use govern your use of www.finance.earth (the ‘Website’). Please read these Terms of Use carefully before using the Website operated by Finance Earth. By using our Website, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Accessing our website

Access to this Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on this site without notice (see below). We will not be liable if, for any reason, this Website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of this Website, or the entire Website, to users who have registered with us.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of the security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to this Website. You are also responsible for ensuring that all persons who access this Website through your internet connection are aware of these terms, and that they comply with them.

Content

The information published on this Website is provided for the convenience of its visitors and you are advised that, although care has been taken to ensure technical and factual accuracy, some errors may occur. No guarantee is given as to the accuracy or completeness of information on these pages.

Please be aware that Finance Earth may alter the information on this Website from time to time, including these Terms of Use and the privacy notice. It is your responsibility to check these Terms of Use from time to time and to remain in compliance with them.

Limitation of Liability

The material displayed on this Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of the Finance For Sustainability group of companies and third parties connected to us hereby expressly exclude:

all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity
any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with this Website or in connection with the use, inability to use, or results of the use of this Website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue,
- loss of business,
- loss of profits or contracts,
- loss of anticipated savings,
- loss of data,
- loss of goodwill,
- wasted management or office time, and
- any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect the liability of Finance Earth for death or personal injury arising from its negligence, nor its liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

Information about you and your visits to this Website

We process information about you in accordance with the Website Privacy Notice. By using this Website, you consent to such processing, and you warrant that all data provided by you is accurate.

Viruses

You must not misuse this Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this Website, the server on which this Website is stored or any server, computer or database connected to this Website. You must not attack this Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. Any such breach will be reported to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them.

In the event of such a breach, your right to use this Website will cease immediately. Finance Earth uses reasonable endeavours to prevent contamination by known viruses and to maintain the security of this Website, but Finance Earth does not warrant the information on this Website in any way, and in particular no warranty is given that this Website or its contents or hypertext links to other sites are accurate, complete, virus free or uncontaminated, nor can we guarantee that this Website may not be affected by deliberate damage by hackers, failure of plant, machinery, equipment or computers, power failure, failure of telecommunications lines or any criminal action.You are advised to make your own virus checks and to implement your own precautions in this respect. Finance Earth expressly excludes all liability for contamination or damage caused by any virus or electronic transmission.

Hyperlinks

The incorporation of any links to other websites is for your convenience and reference only and does not imply that Finance Earth approves or endorses the contents of that website or the material available from it; Finance Earth does not control and is not responsible for the content of any such websites in terms of their accuracy, suitability, legality or otherwise and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

Law and Jurisdiction

Your use of this Website is governed by the laws of England. You hereby consent to the non-exclusive jurisdiction of the English courts in all disputes arising out of or relating to the use of this Website.

Intellectual Property Rights

Finance Earth is the owner or the licensee of all intellectual property rights in this Website, and in the images and other material published on it (the ‘Content’). The Content is protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts of any page(s) from this Website for your personal reference, and you may draw the attention of others within your organisation to material posted on this Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) such as the authors of content on this Website must always be acknowledged.

You must not use any part of the materials on this Website for commercial purposes without obtaining a licence to do so from us or our licensors.

IF YOU PRINT OFF, COPY OR DOWNLOAD ANY PART OF THIS WEBSITE IN BREACH OF THESE TERMS OF USE, YOUR RIGHT TO USE THIS WEBSITE WILL CEASE IMMEDIATELY AND YOU MUST, AT OUR OPTION, RETURN OR DESTROY ANY COPIES OF THE MATERIALS YOU HAVE MADE.

If you have any concerns about material which appears on this Website, please contact enquiries@finance.earth.

Thank you for visiting the Website of Finance Earth.

Privacy Policy

This privacy notice sets out the processing practices in relation to personal data which is collected, stored and retained through the use of this Website and any other electronic communications by Finance Earth, which is the data controller for that data.

Your right to privacy is important to us. This privacy notice sets out how Finance Earth uses and protects any information that you give us when you use this Website. We are keen to strike a fair balance between your personal privacy and ensuring that you obtain full market value from the internet and other products and services we may market to you.

If you do not agree to the following policy, you may wish to cease viewing/using this Website, and or refrain from submitting your personal data to us.

We may change this notice from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This notice is effective from 18th November 2020.

For the purposes of meeting the territorial scope requirements under the Data Protection Act 2018, the United Kingdom is identified as the named territory where the processing of personal data takes place.

If you have any requests concerning your personal data or any queries with regard to this notice, please contact Finance Earth at enquiries@finance.earth. We are registered with the Information Commissioner’s Office (ICO) under registration number ZA574752. Information on the Data Protection Act 2018 and the General Data Protection Regulation (the GDPR) is also available on the Information Commissioner’s website at www.ico.org.uk. Under the GDPR, your individual rights in relation to your personal data are as follows (you can read more about your rights in detail at https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/);

the right to be informed about the personal data being processed,
the right of access to the data,
the right to rectification,
the right to erasure,
the right to restrict processing,
the right to data portability (to receive an electronic copy of your personal data),
the right to object to processing of your personal data, and
the right not to be subject to automated decision-making, including profiling.

Personal data Finance Earth collects

We collect your personal data typically when you register for any services using this Website, make a purchase, enter a sales promotion or otherwise interact with us. Below are examples of the categories of the data we collect on you.

Technical information. For the most part, you may visit this Website without having to identify yourself. However, certain technical information is normally collected by us as a standard part of providing services to you. This information relates to your IP address, information about your device and other technical information your browser provides us with, and data about your use of this Website (such as when you use the Website and how you interact with its content). If you call us, additional information such as your telephone number may be saved as a standard part of that communication.

Information you provide to Finance Earth. To allow us to provide you with the products and services you have requested, or to communicate with you, we may ask you to provide us with certain information such as your name, date of birth or age, email address, home or postal address, or financial situation. In registering for servicesthrough this Website, you may create user names, passwords and other credentials that we use to authenticate you and to validate your actions. You may send us copies of your personal identity documents or details about other financial products to which you may be a party.

In providing you with services, Finance Earth may ask you to submit information about other people, for example, members of your family or household, or a beneficiary of a product, or your employment and/or employer. You may also indirectly provide us with information through your consents, preferences and feedback.

Personal data obtained from third parties. We may obtain personal data about you from third party sources, such as social media analytics.

Use of personal data

We collect and process your data for one or more of the following grounds:

To fulfil Finance Earth’s contract with you. We use your personal data as is necessary to provide you with products and services in line with the overall contract with you. We process and use your personal data to provide you with a personalised service and the product or service you have requested, to fulfil your other requests, and as otherwise may be necessary to perform or enforce the contract between us.

Finance Earth is required to do so by law or regulation. Finance Earth is required to process and store some of your data in order to fulfil its regulatory obligations. This may include the information it needs to establish your needs and requirements and to provide you with a personalised recommendation or advice. We may capture and share your personal data with organisations that can confirm your identity and provide information necessary to prevent fraud or other financial crimes. We may also be required to share your personal details where requested to by legal or regulatory authorities or the Financial Ombudsman Service.

You have provided Finance Earth with your informed consent. Where you have given your informed consent, we will process your data in accordance with the permission you have given us and this privacy notice. You may withdraw your consent at any time by contacting us at enquiries@finance.earth.

Other legitimate interests of Finance Earth in using your data

Taking into account your interests, Finance Earth processes your personal data for the following purposes:

To verify your identity and administer your account. We process and use your personal data to ensure the functionality and security of the products and services provided to you, to identify you and the instructions you give us, and to prevent and detect fraud and other misuses.

Development of products and services. Finance Earth processes and uses your personal data to develop its products and/or services. However, for the most part we use only aggregated and statistical information in the development of products and services, and not data directly identifiable to you. We may also process and use your personal data to personalise offerings and to provide you with services more relevant to you, for example, to make recommendations and to display customised content and advertising. We may combine personal data collected in connection with your use of a particular product and/or service with other personal data we may hold about you, unless the purpose for which we collected that data is incompatible with amalgamation.

Communicating with you and marketing. Finance Earth processes and uses your personal data to communicate with you, for example, to provide information relating to its products and/or services you are using or to contact you for customer satisfaction queries. We may process and use your personal data for marketing. Marketing purposes may include using your personal data for personalised marketing or research purposes in accordance with applicable laws, for example, to conduct market research and to communicate products, services or promotions to you via our own or third parties’ electronic or other services. When contacting you for the purpose of marketing, we will take into account any preferences you have expressed to us, including any desire not to receive marketing.

Any email marketing messages we send are in accordance with the GDPR and the Privacy and Electronic Communication Regulations (PECRs). We provide you with an easy method to withdraw your consent (unsubscribe) or manage your preferences/the information we hold about you at any time. See any marketing messages for instructions on how to unsubscribe or manage your preferences,

Profiling. Finance Earth may process and use your personal data for profiling for such purposes as targeted direct marketing and improvement of its products or services. We may also create aggregated and statistical information based on your personal data. Profiling includes automated processing of your personal data for evaluating, analysing or predicting your personal preferences or interests in order to, for example, send you marketing messages concerning products or services suitable for you.

Tracking remuneration due to us or Finance Earth’s partners. We use your personal data to ensure that we receive the remuneration or commission due to us from, or payable by us to, any third-party product providers or distributors.

Insurance. Finance Earth processes personal data as required to enable it to periodically obtain insurance cover for its business and to notify and process claims with its insurers.

Business continuity. In the event of an interruption or cessation of Finance Earth’s business, we need to ensure that we can implement business continuity procedures (for example, we may need to rebuild IT systems) or wind down planning to protect your interests. This may involve a transfer of your personal data to a third party (see below).

How does Finance Earth secure your personal data?

Finance Earth has robust procedures in place within the business;

to protect data against accidental loss,
to prevent unauthorised access, use, destruction or disclosure,
to ensure business continuity and disaster recovery where required,
to restrict access to personal information,
to conduct privacy impact assessments in accordance with the law and internal business policies,
to train staff and contractors on data security, and
to manage third party risks, through use of contracts and security reviews.

How long does Finance Earth keep personal data?

Finance Earth will keep your personal data only for so long as it is reasonable for it to do so, depending upon the nature of the data and internal processing, and the grounds upon which we collected it. In general, we will delete redundant account information within 14 days of a relationship ending. However, Finance Earth is obliged to keep certain records of its relationships to comply with the FCA’s and other regulatory rules, in which case we will instead restrict access through the archiving processes. Subject to any actual or potential legal claim or regulatory investigation, the maximum time that we envisage retaining any of your information is seven years, after which time it will be destroyed.

Information we use for marketing purposes will be kept by us until you notify us that you no longer wish to receive this information. If you do notify us that you no longer wish to receive marketing information we will keep an encrypted version of your contact information to ensure we respect your wishes.

Other websites

This Website may contain links to other websites which are outside the control of Finance Earth and are not covered by this privacy notice. If you access other websites using the links provided, the operators of these websites may collect information from you which will be used by them in accordance with their privacy notice which may be different to the privacy notice of Finance Earth. You should exercise caution and look at the privacy notice applicable to the website in question.

Transfer of your personal data

We may transfer your personal data to the third parties noted below, or as required by law.

Material service providers. Finance Earth may transfer your personal data to third parties who provide it with a material service, such as KYC providers or product providers.

Generic service providers (data processors). Finance Earth may transfer your personal data to third parties who process personal data on its behalf to enable the efficient technical and logistical provision of its services. These service providers may, for instance, supply us with cloud data storage, data security services, customer relationship management software, and other support services. We may substitute a technical or logistical service provider from time to time. Such parties are generally not permitted to use your personal data for any other purposes than that for which your personal data was collected, and we require them to act consistently with applicable laws and this Privacy notice as well as to use appropriate security measures to protect your personal data.

Event-driven transfers. Finance Earth may transfer your personal data to third parties in certain events where it is necessary to protect your, or its, legitimate interests. This includes the cessation, sale or transfer of its business, civil or criminal legal, or regulatory, proceedings or insurance claims.

Given that the Internet is a global environment, using the Internet to collect and process personal data necessarily involves the transmission of information on an international basis. Therefore, by browsing this Website and communicating electronically with us, you acknowledge and agree to Finance Earth processing personal data in this way.

What are your rights?

You have the right to request information on and access to the personal data held about you.

You also have the right to request that we correct or delete any incomplete, incorrect, unnecessary or outdated personal data we hold about you. However, we cannot delete personal data that is necessary for compliance with binding legal or regulatory obligations or if the personal data must be retained according to applicable laws, or is required for the exercise or defence of a legal or regulatory claim.

In case you consider your personal data collected by us to be inaccurate but you do not wish your personal data to be deleted, if we have used your personal data unlawfully or you have objected to the processing and the existence of legitimate grounds for processing is still under consideration, you may request restriction of processing of your personal data.

You may also at any time object to your personal data being processed for direct marketing purposes, sending promotional materials, profiling, or for the performance of market research. Where your personal data is processed based on your consent, you have the right to withdraw your consent for such processing at any time.

In case you wish to make use of your rights mentioned above, you may, as appropriate and in accordance with applicable laws, exercise such rights by contacting us through the contact points referred in the marketing materials or below in this notice. In some cases, especially if you wish us to delete or cease the processing of your personal data, this may also mean that we may not be able to continue to provide the services to you.

Please note that we may need to identify you and to ask for additional information in order to be able to fulfil your requests. Please also note that applicable law may contain restrictions and other provisions that relate to your above rights.

Subject access rights

You have a right to a copy of and details of the personal data held about you. To obtain a copy of the personal data Finance Earth holds about you, please write to us enquiries@finance.earth. No charge will normally be made by Finance Earth for providing this information. If your request is considered to be repetitive, wholly unfounded and/or excessive, we are entitled to charge a reasonable administration fee.

Use of Cookies

A cookie is a small piece of code, sent from a website to a user’s internet browser, which allows that website to track the user’s previous activity when they return to that website. This allows us to provide you with the experience that you expect from us and lets Finance Earth continually improve its service.

You can block cookies by changing the settings on your browser, but if you do you will not be able to access all or parts of this Website.

The types of cookies we may use are:

Strictly necessary cookies. These are cookies that are required for the operation of this website. They include, for example, cookies that enable you to log into secure areas of this Website. or make use of e-billing services.

Analytical/performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around the Website when they are using it. This helps us to improve the way the Website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies. These are used to recognise you when you return to this Website. This enables us to personalise the content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Targeting cookies. These cookies record your visit to this Website, the pages you have visited and the links you have followed. We will use this information to make this Website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

Finance Earth does not have any control over the use of cookies by third parties, including its partners and affiliates. To manage cookies from third party websites, you will need to visit their site to adjust your settings.

If you want more information about how cookies operate, or how to manage them, please visit About Cookies at http://www.aboutcookies.org.uk/ .

Use of this Website is subject to Finance Earth’s terms of use.