WHO ARE WE?

Mulberry Asset Finance is a Commercial Finance Broker. It acts as an introducer/advisor/broker/intermediary for our customers. Mulberry Asset Finance is Authorised and Regulated by the Financial Conduct Authority.

HOW WILL WE USE YOUR INFORMATION? 

Here at Mulberry Asset Finance we take your privacy seriously and will use your personal information in a number of ways which will help us;

  • Make lender decisions,
  • For fraud prevention
  • For audit,
  • For statistical analysis,
  • Credit reference checks

We may share your information with, and obtain information about you from, credit reference agencies or fraud prevention agencies. Information you provided may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.

We will not disclose your information to any company outside of the reputable funding panel we use (a list of all the funders we use can be provided) except to help prevent fraud or if required by law to do so.

For further information on how your information is used, how we maintain the security of your information and your rights to access/alter and change information we hold on you, please contact Mike Robinson, Mulberry Asset Finance.

YOUR PERSONAL DATA

WHAT WE NEED

Mulberry Asset Finance will be what’s known as the ‘controller’ and the ‘Processer’ of the personal data you provide to us. We collect personal data about you which may also include any special types of information or location-based information.

WE ALSO GATHER

Name and address and date of birth of any other connected parties to your business - e.g. Partners and Directors for search purposes.
Special categories of data may be captured by Mulberry Asset Finance.

WHY WE NEED IT

We need to know your basic personal data in order to provide you with an accurate recommendation for your personal circumstances. We will not collect any personal data from you we do not need in order to provide and oversee this service to you.

WHAT WE DO WITH IT 

All the personal data we use is controlled by Mulberry Asset Finance in the UK, however, for the purposes of IT hosting and maintenance, this information is located on servers within the European Union. No 3rd parties have access to your personal data unless the law allows them to do so.  We have a Data Protection regime in place to oversee the effective and secure processing of your personal data. More information on this framework can be found on our website.

We may pass your data to panel of funders in order to provide you with offers of products suitable to meet your customer requirements.

Your data is stored on our secure password protected database and electronically on our cloud encrypted server. Our server is based in the UK

HOW LONG WE KEEP IT

We are required under Law to keep your basic personal data, such as name, address, contact details and all other personal data for a minimum of 6 years after which time it will be destroyed. The information used for marketing will be kept with us until you notify us that you no longer wish to receive this information.

WHAT ARE YOUR RIGHTS?

Right of Access

If at any point you believe retained information is incorrect you can request to see this information and even have it corrected and possibly deleted. Providing you this information is free of charge, but charges may apply for excessive requests.

Individuals now have more rights under GDPR, Mulberry Asset Finance, these are;

Right to be Informed

Mulberry Asset Finance provide every customer with a Privacy Notice at the point data is captured.

The information supplied in this notice demonstrates how Mulberry Asset Finance is transparent over our data processing. The notice is;

  • concise, transparent, intelligible and easily accessible;
  • written in clear and plain language, particularly if addressed to a child; and free of charge.

We include details of (but not limited to);

The Data Controller, the lawful reason for processing data, if any third parties have legitimate interests, categories of personal data, categories of recipients such as banks and credit unions, the data retention periods,

The individuals’ rights; including the right to withdraw, where the individual can complain about how the data is processed with a supervisory authority, source of data when it comes from a third party and where personal data is part of a contractual requirement or obligation.

Right to Rectification

Individuals are entitled to have personal data rectified if it is inaccurate or incomplete. If Mulberry Asset Finance has disclosed the personal data in question to third parties, then we will inform them of the rectification where possible.

Mulberry Asset Finance will respond to this request within one month or extended by two months where the request for rectification is complex.

Right to Erasure

Individuals have a right to have personal data erased and to prevent processing in specific circumstances.

Mulberry Asset Finance may refuse to comply with a request for erasure where the personal data is processed for the following reasons;

If Mulberry Asset Finance has disclosed the personal data in question to third parties, a notification will be sent, informing them about the erasure of the personal data, unless it is impossible or involves disproportionate effort to do so.

Right to Restrict Processing

Mulberry Asset Finance will restrict the processing of personal data in the following circumstances;

  • where an individual contest the accuracy of the personal data, you should restrict the processing until you have verified the accuracy of the personal data.
  • where an individual has objected to the processing (where it was necessary for the performance of a public interest task or purpose of legitimate interests), and you are considering whether your organisation’s legitimate grounds override those of the individual.
  • when processing is unlawful, and the individual opposes erasure and requests restriction instead.
  • if you no longer need the personal data but the individual requires the data to establish, exercise or defend a legal claim.

If any data has been disclosed to third parties, Mulberry Asset Finance will notify them about the restriction on the processing of the personal data, unless it is impossible or involves disproportionate effort to do so.

Right to Data Portability

For personal data an individual has provided to a controller; where the processing is based on the individual’s consent or for the performance of a contract; and when processing is carried out by automated means, Mulberry Asset Finance must provide the personal data in a structured, commonly used and machine-readable form. Open formats include CSV files. Machine readable means that the information is structured so that software can extract specific elements of the data. This enables other organisations to use the data. Mulberry Asset Finance must provide this service free of charge. If the individual requests it, we may be required to transmit the data directly to another organisation if this is technically feasible. Mulberry Asset Finance will respond without undue delay, and within one month or extended by two months where the request is complex or receive many requests.

Right to Object

If an individual has objected to processing data or direct marketing, Mulberry Asset Finance will cease to process the data.

As soon as an objection is received, Mulberry Asset Finance will stop processing personal data for direct marketing purposes. This will be actioned at any stage and is free of charge.

As Mulberry Asset Finance offer an online presence, www.mulberryassetfinance.co.uk ; we offer a way for individuals to object online.

Individuals must have an objection on “grounds relating to his or her particular situation”.

Mulberry Asset Finance will stop processing the personal data unless;

  • compelling legitimate grounds for the processing, which override the interests, rights and freedoms of the individual; or
  • the processing is for the establishment, exercise or defence of legal claims.

This is brought to the attention of the data subject at the first point of communication and in our privacy notice. This is separated out from any other information.

Rights in relation to automated decision making and profiling.

Mulberry Asset Finance understand that any form of automated processing of personal data intended to evaluate certain personal aspects relating to a natural person, or to analyse, or predict that person’s performance at work, economic situation, location, health, personal preferences, reliability, or behaviour falls under this right. Where this is conducted, the rules and guidance of the ICO will be adhered to and followed. To date, Mulberry Asset Finance does not conduct automated decision making including profiling.

LINKS TO OTHER SITES

This Website may, from time to time, provide links to other websites. Mulberry Asset Finance has no control over such websites and is in no way responsible for the content thereof. This Privacy and Cookie Policy does not extend to your use of such websites. Users are advised to read the Privacy and Cookie Policy or statement of other websites prior to using them.

Links to other websites do not necessarily represent an existence of any form of endorsement, support, relationship or partnership.If you wish to raise a complaint on how we have handled your personal data, you can contact our Data Protection Officer who will investigate the matter.

Where relevant, you have the right to withdraw consent at any time and this means that we cannot process your data provided without your consent.

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the Information Commissioner’s Office (ICO). Our Data Protection Officer is Michael Robinson and you can contact him directly by e-mail or phone.

We will share your details with the relevant funder(s) on our panel that will pass information to the relevant credit reference agencies, so that they process your information, allowing Mulberry Asset Finance to offer suitable and sustainable products that they provide.

“We have used Mulberry asset finance on a couple of occasions as we continue to invest in processing equipment for our company, we have always been more than happy with the service provided by Mike and the team. The process is always hassle free and Mike is always in contact throughout. We will definitely be using Mulberry again in the future.”

James Hill, Director, Enviro-metals Lancaster Ltd

“Mulberry Asset Finance have looked after my business loan and finance requirements for quite a few years now - and I trust them implicitly to find me the best deal they can, in the shortest time and with the least amount of hassle to myself. We've financed whole pub refurbishments through to small kitchen equipment and many things in between. There has never been a hitch or a delay and everything is conducted with the utmost professionalism and with a genuine interest in my business. I really can't recommend Mulberry Asset Finance highly enough... ”

Paul Spencer, MD, The Plough Inn at Lupton

“D. Cain & Sons have had the pleasure in dealing with Mulberry Asset Finance for the past 10 years. We as a company have built a great relationship with Mike Robinson at Mulberry Asset Finance. Mike always goes above and beyond to provide his customers with an incredible service. D.Cain & Son would recommend Mulberry Asset Finance for all your financial enquiries.”

Darren Cain, MD, D Cain & Sons Ltd

“I have used Red Bus Asset Finance several times for the Hire Purchase of coaches. I have always found their speed of operation and personal attention very satisfactory and I would not hesitate to use them again in the future.”

Barry Pickthall (JB Pickthall Coach Operator)

“I use Mulberry Asset Finance because I know that they will look at my needs and efficiently advise me of the best options available for my business. Always my first choice.”

Peter Fryer, Managing Director, English Lakes Ice Creams Ltd

“Cubby Construction is a client of Yellow Plant Finance and have always found the team to be obliging, highly efficient and willing to go that extra mile in order to help us achieve our goals.”

John Cubby, Managing Director, Cubby Construction Ltd

“The service provided by Mike was exceptional in terms of turnaround time, attention to detail and level of communication throughout the transaction. The consequence of this high level of service is that I approached only Mike and no other supplier to organise funding for my latest capital purchase, which again was handled impeccably.”

Richard Grice - W A GRICE Livestock Haulage Hay & Straw Merchants Livestock Agents est 1903

“Mike and his team are like have your own finance department. I've called out of hours on occasions for advice, very helpful when you're on the move. Always keen on rates and made to fit in with the business. Thanks again Mike and his team.”

Dave Greenbank, Managing Director, Greenbank Crane Services

“Mulberry Asset Finance have helped significantly with the growth of our Artisan Bakery over the past six years. In the early stages when growth and finance is most difficult, they were able to help us acquire the equipment we needed. I am reassured that Mulberry Asset Finance will always get us the best deal without any fuss, allowing us to concentrate on the business and not have to worry about funding for new assets.”

Aidan Monks, Owner, Lovingly Artisan

“Dundee Tyres Ltd is a tyre recycling company based in Carlisle, we needed a new machine to continue our expansion and Mike Robinson from Mulberry Asset Finance was on hand to assist. Our needs were specific and complex as the machine was sourced from overseas and was bespoke to our needs. The purchase went smoothly, and I would not hesitate in recommending Mulberry Asset Finance to any other Cumbrian Businesses.”

Simon Pluckrose, Managing Director, Dundee Tyres Ltd

“We have worked with Mike and his team at Mulberry Asset finance for over 5 years. During this time, they have provided us with the specialist finance which has allowed us to develop and expand our Free Range Egg Production and Egg Packing business. Our recent investment in additional packing equipment has seen our Through Put ability increase and as a result, has helped our business increase its turnover by over 30%. Mike and his team are always keen to understand our business requirements and have a professional, straightforward approach which makes the whole process an efficient, cost effective source of finance. I would strongly recommend Mulberry Asset Finance’s service.”

Paul Arthur, Owner, P.S. Poultry

“I am always grateful for the honest advice that I receive from Mike Robinson at Mulberry Asset Finance & his straightforward approach. It is refreshing to deal with a company that can communicate clearly & who genuinely wants to do the right thing for my business. I will definitely use Mulberry Asset Finance again & I highly recommend their services.”

Scott Burton, MD, Scott Burton Timber Harvesting

“As a company we have been dealing with Mulberry Asset Finance for the past 10 years. We have found them to be so easy to deal with, they make things so simple and effortless, leaving us to concentrate on the day to day running of our business. Their help and advice have been instrumental in our growth and development of the business. Long may it continue!”

Mike Cooke, Managing Director, Breed Clean Ltd

“I have used Mulberry Asset Finance for ten years. They provide an excellent service for my business and I can access finance to buy the various wagons, machinery and other equipment that I need to run my business. Finance is agreed and arranged within one week, I highly recommend Mulberry Asset Finance.”

Jimmy Dickinson, Director, J Dickinson Transport Ltd

“A & H CARLISLE LTD have used Mulberry Asset Finance since 2012 and I can’t speak highly enough of Mike and his team, they have helped our business grow and their knowledge of a customer needs is impressive. They are always competitive and quick to react to our needs. I wish Mulberry Asset Finance continued success and hope to do business together for many years to come.”

Alan Falder, Managing Director, A & H Carlisle Ltd

“We have been dealing with Mulberry Asset Finance for over 10 years and have always found them to be efficient, courteous, professional and above all very pleasant to deal with. On top of that, they have always enabled us to obtain the type of finance deal that we have been seeking whether it be for capital investment or vehicle purchase.”

Mark Whitehead MBE, Hawkshead Relish Company Ltd

“The first person I call when I need to buy new plant is Mike Robinson of Silver Spoon Asset Finance. I have been working with Mike throughout the development of Hawkshead Brewery and have learned that his is the only call I need to make because Mike always delivers, with the best rates and the minimum of fuss.”

Alex Brodie - Managing Director Hawkshead Brewery Ltd

“I had a coffee coaster with Charcoal Forestry name on and decided to get a quote from them along with two others. They responded immediately with a quote. They gave a personal touch, whilst remaining competitive and efficient. I have now used them twice and found them a delight to deal with.”

Dale Benbow, Benbows Bros. Timber

“I was very pleased I chose Mulberry Asset Finance to work with on my new poultry business. The whole deal was arranged quickly and, most importantly for me, they did exactly what they said they would do and on time. It is very satisfying to work with people who give you a good deal and who you can rely on.”

Jennifer Bain, Owner, J Bain Farming

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