R. Raphael's and Sons ("Raphael's") is committed to the lawful and correct treatment of personal information and will only use information obtained lawfully and in accordance with the Data Protection Act 1998 ("the Act"). By "personal information" we mean personal and financial information we obtain from you or from third parties; learn from the way you use and manage your account(s); from the transactions you make and from the payments which are made to your account(s).

This privacy policy statement will apply equally to all of our offices irrespective of where they are based, internet sites, telephone calls, or any other channels we may use to interact with you.

We seek to ensure that our staff and those acting on our behalf obtain, use and disclose personal information lawfully and correctly in accordance with the Act, and we specifically seek to:

1.Observe the conditions in the Act regarding the fair collection and use of personal information and ensure that you are informed as to:

• the purpose of collecting the information;
• what the information will be used for;
• the identity of any one else to whom the information will be given and what they will use it for;
• how you can request copies of any personal information we hold on you;

2.Meet our legal obligations to specify the purposes for which we process personal information, such as give you statements and provide our services, for assessment and analysis; to develop and improve our services to you, for example by informing you about products and services which may be of interest to you -with your consent-.

3.To collect and process appropriate personal information, only to the extent that it is needed to fulfil our operational needs or to comply with any legal requirements.

4.To ensure the accuracy of any personal information kept by us.

5.Apply checks to determine the length of time personal information is held by us.

6.Ensure that people about whom personal information is held, are able to exercise their rights fully under the Act.

7.Take appropriate technical and organisational security measures to safeguard personal information.

8.Ascertain that personal information is not transferred outside the European economic area without suitable safeguards or agreement from the individual.

9.Never release your details to third party organisations, except for credit reference and enforcement agencies and other organisations who may record, use and give out information to other lenders and insurers. The information may be used to make assessments for credit and all types of insurance, for debt tracing and to prevent fraud and money laundering; to persons acting as our agents under a strict code of confidentiality; to anyone to whom we transfer or may transfer our rights and duties under your Customer Agreement; as required by law or regulation.

10.The information we hold will be accurate and up to date. You can check the information about you by emailing us at info@raphael.co.uk

11.Please be aware that we use cookies on our website. A 'cookie' is information that a website stores on your computer so that it can remember something about you at a later time. Cookies are commonly used on the Internet and do not harm your system. The cookies used on the Raphael's website do not include any information that others could read and understand about you, such as your name or account numbers. We use cookies to track the interest of our users so that we can subsequently enhance their experiences on our website. If your browser rejects a cookie, you may still use our website.

12.Please note that calls may be recorded and analysed for fraud protection or training. These calls are not made across the internet.