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We process this information on the basis there is a contract between us, or that you have requested we use the information before we enter into a legal contract.
Additionally, we may aggregate this information in a general way and use it to provide class information, for example, to monitor our performance with respect to a service we provide.
If we use it for this purpose, you or your client, as an individual/s will not be personally identifiable.
We shall continue to process this information until the contract between us ends or is terminated by either party under the terms of the contract.
2. Information we process with your consent
Through certain actions when otherwise there is no contractual relationship between us, such as when you browse our website or ask us to provide you more information about our business, including job opportunities and our products and services, you provide your consent to us to process information, and that of your client, that may be personal information.
Wherever possible, we aim to obtain your explicit consent to process this information, for example, by asking you to agree to our use of cookies, or under the terms and conditions when using impact sf as a Packager.
Sometimes you might give your consent implicitly, such as when you send us a message by e-mail to which you would reasonably expect us to reply.
Except where you have consented to our use of your, and your clients, information for a specific purpose, we do not use your, or your clients' information in any way that would identify you personally. We may aggregate it in a general way and use it to provide class information, for example, to monitor the performance of a particular page on our website.
If you have given us explicit permission to do so, we may from time to time pass your name and contact information to selected associates whom we consider may provide services or products you would find useful.
We continue to process your information on this basis until you withdraw your consent or it can be reasonably assumed that your consent no longer exists.
You may withdraw your consent at any time by instructing us at GDPR@impactsf.co.uk. However, if you do so, you may not be able to use our website or our services further.
3. Information we process because we have a legal obligation.
We are subject to the law like everyone else. Sometimes, we must process your or your clients' information in order to comply with a statutory obligation.
For example, we may be required to give information to legal authorities if they so request or if they have the proper authorisation such as a search warrant or court order.
This may include your or your clients’ personal information.
4. Information provided on the understanding that it will be shared with a third party
Our website allows you to post information with a view to that information being read, copied, downloaded, or used by other people.
Examples include:
In posting personal information, it is up to you to satisfy yourself about the privacy level of every person who might use it.
We do not specifically use this information except to allow it to be displayed or shared.
We do store it, and we reserve a right to use it in the future in any way we decide.
Once your information enters the public domain, we have no control over what any individual third party may do with it. We accept no responsibility for their actions at any time.
Provided your request is reasonable and there is no Legal or Regulatory basis for us to retain it, then at our discretion, we may agree to your request to delete personal information that you have posted. You can make a request by contacting us at GDPR@impactsf.co.uk
5. Complaints regarding content on our website
If you complain about any of the content on our website, we shall investigate your complaint.
If we feel it is justified or if we believe the law requires us to do so, we shall remove the content while we investigate.
Free speech is a fundamental right, so we have to make a judgment as to whose right will be obstructed: yours, or that of the person who posted the content that offends you.
If we think your complaint is vexatious or without any basis, we shall not correspond with you about it.
6. Information relating to your method of payment
We store information about your clients’ debit or credit card or other means of payment when you first provide it to us - with the express consent of your client.
We automatically delete the payment information once all fees have been taken and the payment information is no longer required for the agreed service being provided. (You will be provided with details of any fees before you undertake to use impact sf – it is your responsibility to advise your client/s and obtain their consent, as per our terms and conditions of business).
7. Information about your direct debit
When you agree to set up a direct debit arrangement, the information you give to us is passed to the Lending organisation for processing according to our instructions. We do keep a copy.
8. Job application and employment
If you send us information in connection with a job application, we may keep it for up to three years in case we decide to contact you at a later date.
If we employ you, we collect information about you and your work from time to time throughout the period of your employment. This information will be used only for purposes directly relevant to your employment. After your employment has ended, we will keep your file for five years before destroying or deleting it.
9. Sending a message to our support team
When you contact us, whether by telephone, through our website or by e-mail, we collect the data you have given to us in order to reply with the information you need.
We record your request and our reply in order to increase the efficiency of our business.
We keep personally identifiable information associated with your messages, such as your name and email address so as to be able to track our communications with you to provide a high-quality service.
10. Complaining
When we receive a complaint, we record all the information you have given to us.
We use that information to resolve your complaint.
We may also compile statistics showing information obtained from this source to assess the level of service we provide, but not in a way that could identify you or any other person.
impact sf will follow their formal complaint handling process.Cookies are small text files that are placed on your computer's hard drive by your web browser when you visit any website. They allow information gathered on one web page to be stored until it is needed for use on another, allowing a website to provide you with a personalised experience and the website owner with statistics about how you use the website so that it can be improved.
Some cookies may last for a defined period of time, such as one day or until you close your browser. Others last indefinitely.
Your web browser should allow you to delete any you choose. It also should allow you to prevent or limit their use.
Our website uses cookies. They are placed by software that operates on our servers, and by software operated by third parties whose services we use.
When you first visit our website, we ask you whether you wish us to use cookies. If you choose not to accept them, we shall not use them for your visit except to record that you have not consented to their use for any other purpose.
If you choose not to use cookies or you prevent their use through your browser settings, you will not be able to use all the functionality of our website.
We use cookies in the following ways:
We provide more information about the cookies we use in our cookie policy.
12. Personal identifiers from your browsing activityIf combined with other information we know about you from previous visits, the data possibly could be used to identify you personally, even if you are not signed in to our website.
13. Our use of re-marketing
Re-marketing involves placing a cookie on your computer when you browse our website in order to be able to serve you an advert for our products or services when you visit some other website.
We may use a third party to provide us with re-marketing services from time to time. If so, then if you have consented to our use of cookies, you may see advertisements for our products and services on other websites.
DISCLOSURE AND SHARING OF YOUR INFORMATION
14. Information we obtain from third parties
Although we do not disclose your, or your clients’, personal information to any third party (except as set out in this notice), we sometimes receive data that is indirectly made up from your personal information from third parties whose services we use.
15. Credit reference
To assist in combating fraud, we share information with credit reference agencies, so far as it relates to clients or customers who instruct their credit card issuer to cancel payment to us without having first provided an acceptable reason to us and given us the opportunity to refund their money.
16. Data may be processed outside the European Union
Our websites are hosted in England.
Accordingly, data obtained within the UK or any other country could be processed outside the European Union.
We use the following safeguards with respect to data transferred outside the European Union:
ACCESS TO YOUR OWN INFORMATION
17. Access to your personal information
17.1 At any time you may review or update personally identifiable information that we hold about you, by signing in to your account on our website.
17.2 To obtain a copy of any information that is not provided on our website you may send us a request at GDPR@impactsf.co.uk
17.3 After receiving the request, we will tell you when we expect to provide you with the information, and (in certain situations) whether we require any fee for providing it to you.
18. Removal of your information
If you wish us to remove personally identifiable information from our website, you may contact us at GDPR@impactsf.co.uk.
This may limit the service we can provide to you.
NOTE – It may be necessary to retain certain information where it is required for Regulatory purposes (for example as required by the Financial Conduct Authority).
19. Verification of your information
When we receive any request to access, edit or delete personally identifiable information we shall first take reasonable steps to verify your identity before granting you access or otherwise taking any action. This is important to safeguard your information.
OTHER MATTERS
20. Use of site by children
20.1. We do not sell products or provide services for purchase by children, nor do we market to children.
21. Encryption of data sent between us
We use Secure Sockets Layer (SSL) certificates to verify our identity to your browser and to encrypt any data you give us.
Whenever information is transferred between us, you can check that it is done so using SSL by looking for a closed padlock symbol or other trust marks in your browser’s URL bar or toolbar.
22. How you can complain about our policy
22.1 If you are not happy with our privacy policy or if have any complaint, then you should tell us by email. Our address is email address?. Alternatively, you can write to:
Impact Specialist Finance, 20 Barttelot Road, Horsham, West Sussex, RH12 1DQ
22.2 If you are in any way dissatisfied about how we process your personal information, you have a right to lodge a complaint with the Information Commissioner's Office. This can be done at https://ico.org.uk/concerns/
23. Retention period for personal data
Except as otherwise mentioned in this privacy notice, we keep your personal information only for as long as required by us:
24. Compliance with the law
Our privacy policy has been compiled so as to comply with the law of every country or legal jurisdiction in which we aim to do business. If you think it fails to satisfy the law of your jurisdiction, we should like to hear from you.
However, ultimately it is your choice as to whether you wish to use our website.
25. Review of this privacy policy
We may update this privacy notice from time to time as necessary. The terms that apply to you are those posted here on our website on the day you use our website. We advise you to print a copy for your records.
If you have any question regarding our privacy policy, please contact us.
v2.01 22/02/2023
1. DEFINITIONS
In these Terms and Conditions:
Application means any enquiry, illustration request, application, proposal or submission made by the Intermediary to Impact on behalf of a Client.
Client means any individual, partnership, company, trust or other entity introduced to Impact by the Intermediary.
Consumer Duty means the FCA Consumer Duty, including Principle 12, PRIN 2A and any related rules, guidance, amendments or successor requirements.
Data Protection Legislation means the UK GDPR, Data Protection Act 2018, Privacy and Electronic Communications Regulations and any legislation replacing or amending the same.
FCA means the Financial Conduct Authority.
Impact, We, Us or Our means Impact Specialist Finance Limited.
Intermediary, Broker, You or Your means the individual, company, appointed representative, partnership or entity accepting these Terms.
Portal means the online system, website, software and associated systems made available by Impact.
Services means the packaging, referral, administration, support and related services provided by Impact.
Terms means these Terms and Conditions as amended from time to time.
2. APPOINTMENT AND RELATIONSHIP
2.1 These Terms apply to all business submitted by the Intermediary to Impact.
2.2 By registering for, accessing or using the Portal, the Intermediary agrees to be bound by these Terms.
2.3 The Intermediary warrants that it:
2.4 Impact reserves the right, at its sole discretion, to:
2.5 Nothing within these Terms creates:
2.6 The Intermediary remains solely responsible for:
3. REGULATORY OBLIGATIONS
3.1 The Intermediary shall at all times comply with:
3.2 Consumer Duty
The Intermediary shall maintain systems and controls designed to:
3.3 Vulnerable Customers
The Intermediary shall:
3.4 Training and Competence
The Intermediary shall ensure that all relevant individuals:
4. INTERMEDIARY RESPONSIBILITIES
The Intermediary shall:
4.1 Provide information that is:
4.2 Obtain all necessary customer authorities and permissions before submitting information to Impact.
4.3 Ensure all recommendations and advice remain the responsibility of the Intermediary.
4.4 Maintain adequate records relating to:
4.5 Provide Impact with any information reasonably requested in connection with regulatory, lender or compliance enquiries.
5. PORTAL ACCESS AND SECURITY
5.1 Portal access is personal to the authorised user and must not be shared.
5.2 The Intermediary shall ensure that:
5.3 The Intermediary shall immediately notify Impact of:
5.4 Impact may suspend or terminate Portal access without notice where security concerns arise.
6. DATA PROTECTION
6.1 Both parties shall comply with all applicable Data Protection Legislation.
6.2 The Intermediary warrants that it has lawful authority to provide personal data to Impact.
6.3 Appropriate technical and organisational measures shall be maintained to protect personal data.
6.4 The Intermediary shall notify Impact within 24 hours of becoming aware of:
6.5 Impact may process information for:
7. ANTI-MONEY LAUNDERING AND FINANCIAL CRIME
7.1 The Intermediary shall comply with:
7.2 The Intermediary shall undertake appropriate customer due diligence and enhanced due diligence where required.
7.3 Impact may request AML documentation at any stage.
7.4 The Intermediary shall notify Impact immediately if fraud, attempted fraud or suspicious activity is identified.
8. COMPLAINTS AND REGULATORY NOTIFICATION
8.1 The Intermediary shall promptly notify Impact of:
8.2 Notification should normally be provided within five business days of the Intermediary becoming aware of the relevant matter.
9. AUDIT AND INFORMATION RIGHTS
9.1 Impact may undertake compliance reviews, audits or due diligence exercises relating to any business submitted through Impact.
9.2 The Intermediary agrees to provide reasonably requested documentation, including:
9.3 Failure to cooperate may result in suspension or termination of the relationship.
10. PROFESSIONAL INDEMNITY INSURANCE
10.1 The Intermediary shall maintain Professional Indemnity Insurance appropriate to its activities and regulatory obligations.
10.2 Evidence of insurance shall be provided to Impact upon request.
11. FEES, COMMISSION AND PAYMENT
11.1 Commission shall be payable in accordance with Impact's prevailing commission arrangements.
11.2 Impact reserves the right to withhold payment where:
12. COMMISSION RECLAIM AND SET-OFF
12.1 The Intermediary shall repay on demand any commission:
12.2 Impact may set off sums due against future commission payments.
13. CLIENT OWNERSHIP
13.1 Subject to these Terms, Clients introduced by the Intermediary shall remain clients of the Intermediary.
13.2 Nothing shall prevent Impact from complying with regulatory obligations, lender requirements or servicing obligations.
14. INTELLECTUAL PROPERTY
14.1 All intellectual property rights in:
remain the property of Impact.
14.2 The Intermediary shall not copy, reproduce, modify, distribute or reverse engineer any part of the Portal without written consent.
15. ANTI-BRIBERY AND ETHICAL CONDUCT
15.1 The Intermediary shall comply with:
15.2 The Intermediary shall maintain appropriate systems and controls to prevent bribery and corruption.
16. INDEMNITY
The Intermediary shall indemnify Impact against any loss, cost, claim, liability, complaint, fine, penalty or expense arising from:
17. LIMITATION OF LIABILITY
Nothing within these Terms seeks to exclude liability where such exclusion would be unlawful.
Subject thereto, Impact shall not be liable for:
18. TERMINATION
18.1 Either party may terminate these Terms upon thirty days' written notice.
18.2 Impact may terminate immediately where:
18.3 Termination shall not affect:
19. CHANGES TO THESE TERMS
Impact may amend these Terms from time to time.
Revised Terms shall become effective when published on the Portal or otherwise notified to the Intermediary.
Continued use of the Portal constitutes acceptance of the revised Terms.
20. NOTICES
Any notice under these Terms may be given by:
Notices sent by email shall be deemed received on the day sent unless a delivery failure notification is received.
21. INTERMEDIARY DECLARATION AND ACKNOWLEDGEMENT
By registering for, accessing or using the Portal, the Intermediary confirms and warrants that:
21.1 It is appropriately authorised and regulated or validly appointed to undertake the activities for which it intends to use the Portal.
21.2 It maintains all permissions, licences and registrations necessary to conduct its business.
21.3 It maintains Professional Indemnity Insurance appropriate to its business and regulatory obligations.
21.4 It will comply with all applicable FCA rules, guidance and regulatory requirements.
21.5 It has obtained all necessary customer permissions, authorities and consents.
21.6 Information provided to Impact will be accurate, complete and not misleading.
21.7 It will promptly notify Impact of any circumstance affecting its regulatory status, permissions, authorisation or ability to comply with these Terms.
21.8 It acknowledges that Impact may refuse business, suspend access or terminate registration where compliance, operational, regulatory or reputational concerns arise.
21.9 Consumer Duty Declaration
The Intermediary confirms that it has implemented and maintains appropriate systems, controls, governance arrangements, training and oversight procedures designed to:
The Intermediary further agrees to provide information, records and evidence reasonably requested by Impact to demonstrate compliance with these obligations.
ELECTRONIC ACCEPTANCE
The individual accepting these Terms confirms that they are duly authorised to act on behalf of and legally bind the Intermediary.
By selecting “Accept", registering for, accessing or using the Portal, or submitting business to Impact Specialist Finance Limited, the Intermediary:
Acceptance of these Terms shall be deemed to occur upon the earlier of:
Version 3.0 (2026)