Privacy Policy
Last Update Date: 11th Sept 2025
Effective Date: 11th Sept 2025
This Privacy Policy describes how Uppar Finance Limited of 38 Lombard Street London EC3V 9BS, and with England and Wales company registration number 16076238, telephone number 020 3167 6401, email address privacy@uppar.co.uk and website address www.uppar.co.uk, and its related companies, affiliates, and subsidiaries (collectively, as used herein, "we," "us," and" our") collect, use, and share your information when you visit our website located at www.uppar.co.uk and any of our other websites (our "Websites"), use our mobile applications, if any (our "Apps"), interact with our application programme interfaces and other services we make to interact with you through social networks (such social networks, "Social Networks"), our services that interact with Social Networks, "Social Network Services"), or use other services (our Websites, Apps, Social Network Services and related services are collective your "Services"). This Privacy Policy does not apply to any websites or applications that we do not operate or other websites that have their own privacy policies, including Social Networks. By visiting or using any of our Services, you are consenting to the practices described in this Privacy Policy.
Who we are
Uppar Finance Limited is an Appointed Representative of OSL Financial Services Limited. OSL Financial Services Limited is authorised and regulated by the Financial Conduct Authority under the Firm Registration Number 948512.
Uppar Finance Limited is registered with the Information Commissioner's Office with Registration reference ZB814557.
What data do we collect?
Our Company collects the following data:
- Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
- Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
- Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
- Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
- Any pre-existing Mortgage and Insurance products and the terms and conditions relating to these
How do we collect your data?
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
Websites data - Use of Cookies and Analytical Tools
We may also collect certain information related to you and your activities on our websites when you visit the websites. This information may include but is not limited to your IP address, your internet browser and operating system type, the date and time of your visit, and the website that referred you to us (refer to “Use of Cookies and Analytical Tools" for more information about information collected by cookies and similar tracking technologies).
In accordance with your device permissions, we may collect information about the precise location of your device.
We (and third parties who perform work for us) may use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services. If your browser is set to reject cookies, you may continue to use the Website, but some aspects of the Website may not function as intended.
Some definitions:
Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular and which emails and advertisements you view, authenticate users, reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes, and count visits to our websites.
Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. In our mobile apps, we may also use technologies that are not browser-based like cookies.
For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions, bring you advertising both on and off the Service, and provide you additional functionality.
Special Category Data
In the course of your interactions with Uppar Finance Limited you may share information that is classified as ‘Special Category Data’. This could include data about:
- Race
- Ethnic origin
- Politics
- Religion
- Trade union membership
- Genetics
- Biometrics
- Health
- Sex life
- Sexual orientation
Where you do share information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability Uppar Finance Limited will always seek explicit consent from you to store and process such information.
How will we use your data?
Our Company collects your data so that we can:
- Process your application and manage your request
- Email you with special offers on other products and services we think you might like.
- To monitor the performance of our products and services to ensure consumer outcomes are being achieved
Lawful Basis for Processing Data
If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.
When Our Company processes your data, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.
More specifically, in order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.
We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.
The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at:
TransUnion: www.transunion.co.uk/crain
Equifax: www.equifax.co.uk/crain
Experian: www.experian.co.uk/crain
How do we store your data?
Marketing
Uppar Finance Limited understands that with the introduction of the Consumer Duty, it is likely the level of communications issued by our business will increase. This will be necessary to support customers to understand the products and services offered and to provide support to customer throughout the lifecycle of the relationship.
Our Company would like to send you information about products and services of ours that we think you might like.
If you have agreed to receive marketing, you may always opt out at a later date.
You have the right at any time to stop Our Company from contacting you for marketing purposes or giving your data to other members of the Our Company Group.
Security
We are committed to protecting your Personal Information. All of our operational and data processing systems are in a secure environment that protects your information from unauthorized access, use or disclosure.
Children's Privacy
This Website is not intended for persons under the age of 18. We do not knowingly collect, maintain, or use Personal Information from children under the age of 13. If we become aware that we have collected Personal Information from a child under 13, we will take steps to delete such information as soon as possible.
What are your data protection rights?
Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.
The right to erasure – You have the right to request that Our Company erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to Our Company’s processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that Our Company transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email:
Email us at: hello@uppar.co.uk
Call us: +44 (0)20 3167 6401
Privacy policies of other websites
The Services and websites may contain links to third-party websites and other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site.
This Privacy Policy is only applicable to our Services. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
We strongly advise you to review the Privacy Policy of every site you visit.
Update to this privacy policy
We may change this Privacy Policy from time to time. If we change this Privacy Policy, we will post the updated version on this website and update the "Last Updated" date above.
How to contact us
If you have any questions about Our Company’s Privacy Policy, the data we hold on you, or you would like to exercise one of your data protections rights, please do not hesitate to contact us.
Email us at: hello@uppar.co.uk
Call us: +44 (0)20 3167 6401
How to complain
If you have any concerns about our use of your personal information, you can make a complaint to us at
Uppar Finance Limited, 38 Lombard Street London EC3V 9BS. Telephone number 020 3167 6401. Email address privacy@uppar.co.uk.
You can also complain to the ICO if you are unhappy with how we have used your data.
The ICO’s address:
Information Commissioner’s Office
Wy cliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk
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