Who we are
Wiserfunding Limited (“we”, “us” or “our”) are a company registered in England with company number 10149809. Our registered office is at 2nd Floor Regis House, 45 King William Street, London, United Kingdom, EC4R 9AN. We are also registered with the Information Commissioner’s Office (“ICO”) with registration number: ZA5244985.
We specialise in assessing the credit risk of small and medium enterprises (“SMEs”). We do not assess private individuals, but only companies based on public information. Our risk assessment does not affect your personal credit score or that of your business.
How we collect your personal information
We may collect different types of personal information and use it for different purposes, depending on our relationship with you. We do not process any sensitive personal information relating to you or any third parties.
We collect information from you by the following means:
Personal information provided by you
You may provide us with your personal information from time to time, including but not limited to your name, phone number, email and postal address. From time to time, you may also provide us with personal information relating to third parties, for example to allow your employees access to our Services. Where you provide personal information to us about other individuals you should refer them to this notice before supplying us information on their behalf.
Whenever you visit our Service, we collect information that your browser sends to us that is called Log Information. This Log Information may include information such as your computer’s Internet Protocol (“IP”) address, browser version, pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
Cookies are files with small amount of information that is commonly used an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your computer’s hard drive. Our Website uses these “cookies” to collection information and to improve our Service. You have the option to either accept or refuse these cookies, and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some portions of our Service.
Publicly available information
We may access publicly available information in relation to company directors of the companies we analyse for credit rating purposes, such as their job title and any previous employers. This information will be known to the individuals it relates to and our processing will not have any direct effect on those individuals as we do not deal with credit rating for individuals.
How we use your personal information
We may use your personal information to address any queries you may have when you contact us, and to send you any information we think may be relevant to your queries. We may also use it to enable you to access our website. If you decide to use the Services we offer, we will use your personal information to provide the Services. We may use your personal information to provide and improve customer support, or for market research purposes. We may send you information from time to time, and we may contact you for marketing purposes. We may also use your personal information for comply with the law, any applicable regulations and for record-keeping and other administrative functions. We may also use your personal information to communicate any updates to our terms and conditions of use.
What are the legal grounds for handling your personal information
We rely on different grounds for processing your personal information, depending on the circumstances. These include: Our use being necessary for our legitimate purposes. Our use being necessary to perform a contract or comply with the law, such as offering you the Services you require or letting you know about any changes to our Service. Your consent, such as when we collect your personal information using cookies. Where our use is necessary in our legitimate interests or those of a third party, such as marketing to you or complying with laws and regulations.
Who can access your personal information
We do not share your personal information with any third parties other than with some of our service providers, which can be both third party companies (including Certua Services Limited, who provide certain software and support to us) and individuals, for the following purposes:
- To facilitate or assist with the provision of our Services, for example through providing hosting or other IT services;
- To provide the Services on our behalf;
- To perform Services-related services; or
- To assist us in analysing how our Service is used.
Where the above service providers and any other third parties have access to your Personal Information they are obligated not to disclose or use the personal information for any other purpose.
How long do we keep your personal information for
We keep your personal information for as long as it is necessary to provide you the Services and we may also retain it for as long as it is necessary to comply with our legal obligations, resolve any disputes or assert our rights.
Where in the world do we send your personal information
Your personal information is hosted in the United Kingdom, Ireland and in Italy. We do not currently, but may, send your personal information to countries approved by the European Commission for having a suitable level of protection to your personal information.
We may amend the personal information so that you cannot be identified from the information either by itself or when combined with any other information we hold. That information will then not be subject to this notice or information protection law.
What are your rights in relation to your personal information
You have a number of rights in relation to your personal information, which are set out below. Please note that there may be circumstances in which we may not be able to comply with all requests in relation to your personal information. Should this situation arise, we will discuss it with you. In some other circumstances, it may be that we can comply with your request but may not be able to provide the Services for you. You can exercise your rights by contacting us as per the Contact Us section below.
Right to access your personal information
You are entitled to obtain a copy of any personal information we hold and certain information on how we use it.
Right to rectification
If despite our best efforts some of the personal information we hold is wrong, we will update it and amend it upon your request.
Right to restriction of processing
You can ask us to stop processing your personal information in certain circumstances, for example if you think it is not accurate or that we do no longer need it.
Right to withdraw your consent
When we rely on your consent to use your personal information you can withdraw this by letting us know. We will discuss it with you if we think we cannot provide our Services without your personal information.
Right to erasure
In certain circumstances you can request the deletion of your personal information.
Right to object
There are situations in which you can object to us processing your personal information. In relation to any marketing messages we send you, you can just reply “Unsubscribe” or contact us and we will stop marketing to you.
Right to information portability
You may request that we transfer your personal information to a third party.
Rights relating to automatic decision-making
We do not make any automatic decisions based on your personal information.
Right to make a complaint with our regulator
If you are unhappy with the way we process your personal information we would be happy to discuss this with you. You can also, at any time, make a complaint to the ICO or any other local information protection regulator in relation to any laws you think we may have breached. Please see the ICO’s website (https://ico.org.uk) for further information.