Terms & Conditions
About Pioneer Finance Group Limited
Pioneer Finance Group Ltd (Registered No. 13844909) operates as an independent finance broker, based at Mutual House 70 Conduit St, London W1S 2GF. We work to connect our customers with financial products and services that best suit their needs. Pioneer Finance Group Ltd is regulated by the Financial Conduct Authority (FCA) under FRN.1019293
This privacy notice explains how Pioneer Finance Group Ltd ("we", "us", "our") manages the personal data we collect about you. As the data controller, we are responsible for deciding how and why we use your personal information. We are required by data protection laws to inform you of how we handle your personal data, which is why we provide this notice. It’s important to read this notice in conjunction with any other privacy notices or data collection statements we may provide to you on specific occasions. These are meant to ensure that you fully understand how and why your data is being processed. This document supplements any other privacy notices and does not replace them.
This notice was last revised on 1st January 2025. If you'd like to view previous versions, you can request them by emailing admin@pioneerfinance.co.uk It’s important that the personal information we hold about you is accurate. Therefore, we ask that you notify us of any changes to your personal data while you continue to engage with us.
Types of Personal Data We Collect
"Personal data" is any information that can identify an individual. This includes data that may indirectly identify you. Anonymous data, which cannot be linked to any person, is not considered personal data.
We may collect the following types of personal data:
● Transaction Records: This includes details of any payments you’ve made or received, as well as transactions related to products or services you’ve used.
● Financial Information: We may collect data about your income, expenses, bank account details, and your overall financial position, including net worth.
● Personal information: This covers your name, gender, marital status, date of birth, and official documents such as your passport, driving license, and utility bills.
● Marketing Preferences: Information on how you wish to receive promotional materials, either from us or third-party organizations.
● Contact Information: This includes your home address, billing address, phone numbers, and email address. In addition, we may collect special categories of data, which are more sensitive. This includes information related to:
● Health Data: Information about medical conditions, particularly if these make you vulnerable. We also process Aggregated Data, which does not identify you as an individual but may be used for statistical purposes (e.g., customer location data). If we combine aggregated data with personal information, it will be treated as personal data
There maybe situations where we need your personal data by law or to fulfil our contract with you. If you fail to provide this data when requested, we may not be able to deliver the service you’ve asked for, or we may need to cancel a service you have with us. If this occurs, we will inform you as soon as possible.
Methods of Data Collection
We gather personal data through several channels, including:
● Direct Interaction: You may provide us with your personal data by completing forms or by communicating with us via phone, email, or post. This includes when you:
○ Apply for our services online or via our website.
○ Request marketing communications from us.
● Third Parties &Public Sources: We may receive data about you from external sources such as:
○ Business information providers like Credit Safe, Experian, or Companies House.
○ Partners or businesses with whom we have a working relationship
How We Use Your Personal Data
We will only use your personal data in the ways permitted by law. Common reasons for processing your data include:
● Explicit Consent: When you’ve given us clear permission to process your personal data for a specific purpose.
● Contractual Requirement: If it’s essential to process your data to fulfil an agreement with you or take steps before entering into one.
● Compliance with Legal Obligations: If processing your data is necessary to meet legal requirements or regulations.
● PublicTask: If data processing is needed to perform tasks in the public interest or exercise official duties authorized by law.
● Legitimate Interests: If the processing of your data is in our or a third party's legitimate interest, as long as it doesn’t override your privacy rights. If you need clarification on any specific use, please contact us at admin@pioneerfinance.co.uk or 020 8087 1085
We process your personal data for the following primary purposes:
● Identifying the most suitable financing options for you.
● Performing credit assessments to find the right financial product.
● Verifying your financial eligibility for the products you're seeking.
● Complying with anti-money laundering (AML) regulations and Know Your Customer (KYC) requirements.
● Fulfilling our obligations under financial regulations
Sharing Your Personal Data with Third Parties
We may share your personal data with third parties in certain situations, such as when required by law, when necessary for the performance of our contract with you, or if we have a legitimate interest to do so. These third parties may include:
● FunderPartners: A list of our funders is available upon request at admin@pioneerfinance.co.uk.
● IT Service Providers: Companies that assist us with system maintenance and hosting (data stored within the EU).
● Credit Reference Agencies: To assess your financial situation.
● Regulatory Bodies: Such as the FCA, to comply with our legal obligations.
● Fraud Prevention Agencies: If required by law.
● Third-Party Product Providers: Where you have given us explicit consent to share your data. Rest assured, we ensure all third parties process your data securely and in compliance with data protection laws.
Data Retention
We only retain your personal data for as long as necessary to meet the purposes for which it was collected, including for legal, regulatory, or accounting reasons. If you're no longer a customer or have ended your relationship with us, we may anonymize or securely delete your personal information, depending on legal requirements. If you'd like to review the specific data retention policies, please contact admin@pioneerfinance.co.uk. International Data Transfers We do not transfer your personal data outside the European Economic Area (EEA).
Your Rights Over Your Data Under the data protection laws, you have several rights regarding your personal data:
● Access: You can request to see the personal data we hold about you and verify that it is being processed lawfully.
● Correction: You can ask us to correct any inaccurate or incomplete data.
● Erasure: You can request to have your personal data deleted where there is no valid reason for us to continue processing it.
● Objection: You can object to certain processing activities, particularly if we rely on legitimate interests for processing your data.
● Restriction: You can request that we limit how we process your data in specific cases.
● Portability: You can ask us to transfer your data to another provider.
● Withdraw Consent: If you’ve consented to data processing for a specific purpose, you have the right to withdraw your consent at any time. If you'd like to exercise any of these rights, or if you have any concerns about how we handle your data, please contact admin@pioneerfinance.co.uk You won’t have to pay a fee to access your data, though we may charge a reasonable fee for excessive or unfounded requests. If necessary, we may also ask for proof of your identity to ensure data security
If you have any questions regarding the provided information, please contact us on 020 8087 1085 or email us at admin@pioneerfinance.co.yk
