Last updated: 24 February 2024
TABLE OF CONTENTS
The Privacy Policy of Guavas Finance Ltd
What Information We Collect and How We Use It
How To Exercise Your Rights and Contact Us
We are fully committed to respecting the privacy of our customers, partners, and visitors to our website, and ensuring that their data is secure at all stages of their journey with us. The purpose of this document (“Policy”) is to let you – our customers, partners, and visitors to our website – know how your data is being handled by us when you visit or use our website. This Privacy Policy (together with our Cookies Policy below) sets out the basis on which any personal data that you provide to us, or that we collect from you, will be used by us.
Guavas Finance Ltd is a company registered in England and Wales with registration number 14987379 and registered address 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. When you use our services, Guavas Finance Ltd (“Guavas” or “we”), acts as a “data controller” (i.e. a company that is responsible for protecting your privacy). We are registered with the UK’s supervisory authority, the Information Commissioner’s Office (ICO), under registration number ZB572312.
Guavas Finance Ltd is the designated data controller for Guavas Finance Ltd and is committed to upholding our commitments to protect the rights of individuals under legislation outlined within the Data Protection Act 2018 and the General Data Protection Regulation (GDPR).
You can reach us by:
Your rights in relation to your data include the right to revoke your consent and the right to object to direct marketing at any time.
We endeavour to put our customers in contact with relevant providers (“Suppliers”) of a product or service (“Product”) they are interested in. The request could be in order to receive a quote, further information, or to book an initial consultation or appointment.
Our writers create useful Product reviews, articles, and newsletters to help our readers and customers make informed decisions as to the Products they wish to enquire about, purchase or trial, or the Offers they wish to sign up for.
Our aspiration is to help our customers make easier buying decisions and to connect them with relevant Suppliers at the click of a button. Our services are obligation-free, so whether or not you go on to purchase or trial a Product, book an appointment, or sign up for any Offer, the decision is entirely yours.
Unless you are on our site just to read more about a Product or Offer (in which case, please read on), our services generally rely on our customers to submit information to us via a web form. If you choose to submit a web form with us, we’ll do our best to connect you with one or more relevant Suppliers as follows.
When you complete and submit our web forms, we will share this information with relevant Suppliers. We’ll tell them who you are and your Product requirements (based on the information you have provided to us) and, depending on your request, they’ll then follow up with you directly by phone, email, or SMS message. For certain Products, before connecting you with relevant Suppliers, we may call you to confirm your details or requirements or, if you have requested an appointment, to book an appointment. Our website may also give you the option to click out directly to a Supplier’s website or to call the Supplier directly.
Guavas Finance Ltd only uses personal data for the reasons in which we have collected. We will only ever use your personal data for another reason if we reasonably consider another purpose in which to use that data which is compatible with the original reason in which the data was collected.
If we are required to make such a decision, we will always notify you. We may also at times be required by law to process your personal data without your knowledge.
To find out more about the reasoning behind any decision Guavas Finance Ltd has made to process your data for a new purpose, get in touch.
We enjoy regularly updating our customers about other Products and Offers that might be of interest to them. This means that we may email, WhatsApp, or SMS message you about similar Products or Offers to your initial request, unless you opt-out of receiving such marketing messages. To opt-out of emails, you can click on the unsubscribe link in an email or on WhatsApp.
You may receive marketing communications from Guavas Finance Ltd if you have:
We will always ask for your consent before we share your personal data with any third-parties. You can ask us or any relevant third-parties to cease sending you marketing communications at any time, by emailing us. You should send relevant requests to info@guavas.co.uk.
Please note that if you opt out of receiving marketing communications from Guavas Finance Ltd, your personal data may still be retained as it relates to the provision or purchase of a product and/or service, warranty registration, or other transactions.
From time to time, we may also ask to send you browser notifications via a pop-up box when you visit our website (e.g. at the end of a webform). If you allow these notifications, you may receive regular messages from us about great offers, top tips, popular guides and more information about each Supplier. All our messages give you the option to unsubscribe by clicking on the notification settings and selecting ‘Disable Notifications’.
If you visit our website and use our services, we may collect certain information about you. We want you to understand:
The tables below explain this in more detail.
| How we collect it | Why we collect it | Lawful Basis |
| When you click to submit our webforms. When you submit your details via a pop-up box on our website). If we call you after your submission. If we send you a SMS or WhatsApp message. | Products & Offers To connect you with relevant Suppliers. To confirm your details or requirements. To book an appointment. To email, WhatsApp or SMS message you with more information about the Products that you have shown an interest in. | Consent – When submitting our webform, you are provided with our Terms and Conditions and a list of Suppliers that may contact you on the back of your submitted form. By submitting our webform, you consent to be contacted by us and/or relevant Suppliers regarding your request via webform.You may revoke your consent at any time. |
| Similar Products & Offers To email or SMS message you about similar Products. | Consent – You may revoke your consent at any time. You also have the right to object to direct marketing. | |
| Automated decision-making Before we pass your request to any Suppliers, our service may involve an element of automated decision-making. Our technology platform may automatically assess your Product requirements and pass your request to such Suppliers that would like to receive requests at the time your request is made. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| Verification To verify that your submission is genuine (i.e. submitted by a real human). We may work with 3rd parties to carry out the verification. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| Customer Services To request feedback about your experience using our website and services, and dealing with the Suppliers with which we connected you. To respond to other enquiries or requests that you direct to us. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| Marketing To create custom or look-alike audiences (see Section 4 for more detail). To identify customer trends in order to better understand which of our customers are engaging with our services. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| Data Enrichment To enhance our understanding of the services you require, we may match certain business-related data that you provide us with the corresponding data held by third parties. Those third parties may share additional data with us to improve how we engage with you and carry out segmentation of our customers. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| If you partially fill out our webform but do not submit it. | Products & Offers To email you to see if you’re still interested in the Product or Offer. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| When you create an account. | Managing your account To create and manage your account. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| When you sign up to our events, awards, competitions, prize draws or surveys. | Events If you enter an event or award, to run the event or award and contact you in respect of the same where you have submitted an application (e.g. to send out event details). Competitions & Prize Draws If you enter a competition or prize draw on our website, to run the competition or prize draw, or contact you regarding your entry. Where we are running a competition or prize draw jointly with another party, or promoting one on behalf of another party, we may share your entry details with that party, but only for the purposes of managing the competition or prize draw. Surveys To analyse survey results. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| When you join our mailing lists to receive newsletters, guides, whitepapers, e-books, promotions, etc., as advertised on our website. | Mailing Lists To send you such content. If you have consented to receiving emails from named third-parties, we will pass your email address to those parties so they can email you. We may also send you emails on behalf of such third parties. | Consent – You may revoke your consent at any time. |
| When you post reviews or comments on our website. | Reviews & Comments To publish or respond to reviews and comments left on our website. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
Sensitive data refers to (but is not limited to) information about your race or ethnic background, religious or political affiliations, trade union affiliations, sexual orientation, criminal background, or health background. Guavas Finance Ltd will not request and does not aim to collect any sensitive data about you.
Please note that Guavas Finance Ltd does not aim to collect the information of children and cannot provide services to children.
An IP address is a unique number associated with a computer or device, which enables it to communicate with other computers and devices over the Internet.
| How we collect it | Why we collect it | Lawful Basis |
| When you click on our ads (e.g. on Google, Facebook, TikTok, etc). When you interact with our website by clicking on any links. When you click to submit a web form. When you click on links in emails, WhatsApp or SMS messages we send you. | Verification To stop unwanted traffic (i.e. spam and fraudulent visitors) to our website. To verify with our Suppliers that a request has been submitted by you and not by someone else. To verify with our Suppliers that you have consented to being contacted by us and them. To verify that your request has come from a particular country, state, or region. To identify if you have submitted a duplicate request. To identify that your request has originated from our website. Marketing To personalise ads to suit you based on your location. We may use a third party to assist us with identifying the IP address location parameters. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
We may use third-party device data collection tools and similar tracking technologies (that sit behind our ads and website) to collect such data.
| How we collect it | Why we collect it | Lawful Basis |
| If you interact with our ads on one of our advertising partners’ platforms (e.g. Facebook, TikTok, and LinkedIn). If you message us via WhatsApp. If you fill out one of our web forms on our website. | For marketing attribution purposes (i.e. to better understand how you interact with our content and track the relevance of our marketing campaigns to your interests). For measuring and reporting on the performance of our ad campaigns. For ad targeting (but only if you haven’t opted out). | Legitimate interests – You have the right to object to processing based on legitimate interests. |
Please be aware that sensitive personal data may be recorded when you voluntarily disclose health information to us over the phone.
| How we collect it | Why we collect it | Lawful Basis |
| If we call you after your submission to confirm your details and Product requirements. If we call you after you have used our service to ask for service feedback. | We digitally monitor and/or record calls between you and us for the purposes of quality control and staff training. Occasionally, we may need to provide Suppliers with limited access to such recordings in order to resolve disputes. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| How we collect it | Why we collect it | Lawful Basis |
| We may receive data (including health data) back from our Suppliers. | To handle a Supplier query regarding a request sent to them or an enquiry that we have sent to them in order to enable us to resolve the query. | Legitimate interests – You have the right to object to processing based on legitimate interests. |
| To enable us to improve our marketing. To identify customer trends in order to better understand which of our customers are engaging with our services. | Legitimate interests – You have the right to object to processing based on legitimate interests. | |
| To create custom or look-alike audiences (see Section 4 for more detail). | Legitimate interests – You have the right to object to processing based on legitimate interests. |
In providing our services to you, and to ensure that we are able to provide you with a good customer experience, we may share your data with third parties.
We work with the following categories of third parties:
In each case, we have appropriate contracts in place with these companies and Suppliers to ensure the protection and confidentiality of your information.
Guavas Finance Ltd may be required to share your personal data with carefully selected third parties for the identified processing purposes. These third parties may include:
All third parties to which we transfer data are required to respect your personal data, keep it secure and process it only for the specified purposes for which it has been collected. Third parties will only ever receive or process your data with our explicit permission.
We like to work with Facebook, Google, TikTok and other platforms (“Platforms”) to reach out to you with adverts for other Products that you might be interested in. We also like to use Platforms to reach out to other people who might like to use our service.
We do this in two ways. In both cases, your information, along with other information, is used to create a custom audience and/or a lookalike audience. Whenever an audience is shared with a Platform, the data is first hashed and pseudonymised, meaning that any data within the audience that could identify a person is replaced with an artificial identifier. So, the process is secure. Also, we don’t share more data than we need to for the purpose of creating the audience.
On occasion, we may pass calls to local police enforcement when necessary under the lawful basis of protecting the vital interests (e.g. the life or safety) of the individual involved.
What personal data is WhatsApp collecting?
According to research into the way WhatsApp processes personal information, the company collects a number of data sets from all users on the application. These include:
By using the WhatsApp platform, users agree to WhatsApp’s privacy policy and the collection and processing of their data by WhatsApp.
How we utilise WhatsApp
Guavas Finance Ltd utilises WhatsApp as a platform to communicate with you (our customers and users of our service) about our service offering. We may reach out to you over WhatsApp after you have filled in one of our web forms or we have received your enquiry about one of our products (either directly or via a partner that is authorised to share such information with us).
We may collect information about you, if such information is provided by you to us via a WhatsApp message you send. The purpose of this is to aid us in providing the best service to you.
You may unsubscribe from receiving WhatsApp communications from us at any time, by letting us know on WhatsApp or via an email to info@guavas.co.uk. You can also unsubscribe by using the “Stop promotions” button on WhatsApp.
Our site uses cookies to distinguish you from other users of our site. This helps us to provide you with a good experience when you browse our site and also allows us to improve our site. Please read our Cookies Policy below.
What is a Cookie?
A cookie is a small text file that is placed on your computer by a website that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the website. Web browsers generally allow you to control cookies through the browser settings, and you can clear your cookies at any time.
Types of Cookies
Cookies can be session cookies or persistent cookies, and can be either first or third-party cookies as defined below:
We use a mixture of all these types of cookies on our site to provide our services and enhance your experience. Some of the cookies used on our site are Essential/Strictly Necessary cookies, Analytical/Performance cookies, Functionality cookies and Advertising/Targeting cookies, as set out and described in the table below.
How You Can Manage Cookies & More Information
Generally, you can set your browser to accept all cookies, block/reject all cookies, or modify your browser to alert you of any new cookies. To clear the stored cookies, you can normally go to the Tools dropdown menu at the top of the browser window.
Our site, or parts of it, may not function without technical problems or be accessible if you have disabled cookies in your browser.
You can find more information about cookies, including how to see what cookies have been set and how to manage and delete them, by visiting www.aboutcookies.org or www.allaboutcookies.org.
Cookies We Use
| Type of Cookies | Name | Purpose | What info does it hold? |
| Analytical/Performance cookies | __utma | Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics. | Anonymous tracking data to identify user or session |
| __utmb | Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics. | Anonymous new tracking data | |
| __utmc | Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit. | Anonymous data same as __utmb | |
| __utmz | Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics. | Anonymous data showing how the user got to the site | |
| Functionality cookies | abtest | Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics. | Anonymous data showing how the user got to the site |
| has_js | Helps identify if the user supports Javascript for important functionality | ||
| reference_id | Maintain sessions for users on our drupal sites. Allowing users to get more complete experiences while nagivating the site. | Anonymous drupal session ID |
Third Parties
Third parties (including, for example, advertising networks and providers of external services such as web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or advertising/targeting cookies.
We may use click identifiers (i.e. a random unique sequence of letters and numbers) or hashing techniques for marketing attribution purposes, to identify new and returning visitors on our website, or for other event tracking purposes.
Unlike the use of cookies, these techniques do not use any technology to store data on your device. These techniques rely on data voluntarily provided or supported by your browser (e.g. user agent string, IP address etc.), and we will never attempt to use them to circumvent the browser or request excessive data about your device.
Guavas Finance Ltd collects and stores data in the UK. We will store your data for as long as necessary to process your data for the purposes it was provided in the first instance, unless otherwise noted and explicitly stated.
Guavas Finance Ltd stores data relating to transactions and orders for a period of up to seven years. This period may be extended under certain circumstances as part of our ongoing commitment to comply with UK and international law.
We will only hold your information for as long as we need to in order to fulfil the purposes for which it was collected in the first place, as set out in this Policy. Specifically:
You have a number of data rights, based on the country you reside in. To exercise any of your data rights, you can contact us via the details set out in Section 9 of this Privacy Policy.
If you reside in the EEA or the UK, you have certain rights under the GDPR and UK GDPR in relation to your information. In relation to our website, and the service that we provide, those rights are as follows:
| Right to be informed | You have the right to be informed about how we collect and use your personal information, such as set out in this Policy. |
| Right of access | You have the right to ask us for a copy of the personal information we hold about you, and to check that we are lawfully processing it. |
| Right of rectification | If personal information that we hold about you is inaccurate or out-of-date and requires correction, you have a right to have the data rectified or completed. |
| Right of erasure | In certain circumstances, you have the right to request that personal information we hold about you is deleted (e.g. if the information is no longer necessary for the purposes for which it was collected or processed). |
| Right to restrict processing | In certain circumstances, you have the right to request the restriction or suppression of your personal information. |
| Right of data portability | In certain circumstances, you have the right to obtain (in a structured, commonly used and machine-readable format) and reuse your personal information for your own purposes across different services. |
| Right to object | You have the right to object to our processing of your personal information. This includes the right to object to direct marketing. |
| Right to withdraw consent | Where you may have provided your consent to our collection, processing, and transfer of your personal information (e.g. to Suppliers), you have the right to withdraw your consent at any time. |
Our site may, from time to time, contain links to and from the websites of third parties (such as, for example, our customers). If you follow a link to any of these websites, please note that these websites have their own terms of use and privacy and/or cookies policies, and that we do not accept any responsibility or liability for these terms or policies. Please check these terms and policies before you submit any personal information to these websites.
There may be instances where we need to transfer your information outside the UK. For example, where you are using our services outside of the UK, we may need to transfer your information outside the UK.
As of 1 January 2021, the UK is no longer a part of the EEA. Although the UK is no longer part of the EEA, we will still hold your data to the same level of protection as we did when we were part of the EEA. This means that for any transfer of your data outside of the UK, we will continue to take steps to ensure that it is protected to the same level of protection that applies to transfers of data outside of the EEA.
Certain countries have a European Commission adequacy decision, which means they are considered to offer an adequate level of data protection and we will continue to only transfer data to those countries on this basis. If we plan to transfer personal data to outside the EU, we must specify why that transfer is necessary, where the data will be transferred and to whom it will be transferred.
Other countries do not have the same level of legal protection as countries in the EEA, or with an adequacy decision. If we do transfer your data in this way, we will take steps to ensure that it is protected to the same levels that apply in the EEA. This may include, for example, adopting the EU’s standard contractual clauses.
Guavas Finance Ltd respects your rights. We fully observe your right to access your personal data, to object to the processing of personal data, or to erase, restrict, rectify, or port your personal data. Here are the ways in which you can contact us and exercise your rights as explained in this Policy.
Questions, comments, and requests regarding this Privacy Policy should be addressed to Guavas Finance Ltd at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ, or at info@guavas.co.uk.
Our lead supervisory authority for the processing set out in this Policy is the UK Information Commissioner’s Office (ICO). If you are not happy with how your personal data has been processed, you should contact Guavas Finance Ltd in the first instance by using the contact details listed above. If Guavas Finance Ltd is unable to satisfy your concerns, you have the right to apply to the Information Commissioner’s Office for a resolution.
You can contact the Information Commissioner’s Office at the following address:
Information Commissioner’s Office
Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
We want you to be confident in trusting us with your information. Guavas Finance Ltd has implemented a series of security measures to make sure that your personal data is protected from accidental loss, unauthorised access, alteration or disclosure. Guavas Finance Ltd limits access to your data only to those employees, agents, contractors, or other third parties with a legitimate reason to access that information. Those individuals or organisations will only ever process or access your personal data upon our explicit instructions. They are subject to a duty of confidentiality.
To ensure that the necessary protection is in place, we have implemented a number of technical, organisational, and security measures, including:
This list is not exhaustive and may change from time to time.
This Policy is effective from the date specified at the top of this Policy and is our most up-to-date version, which supersedes any earlier version. From time to time, we may update this Policy. Any changes that we make to this Privacy Policy in the future will be posted on this page. We recommend that you re-visit this page from time to time to take notice of any changes to this Privacy Policy.
© 2024. Guavas Finance Ltd
© 2024. Guavas Finance Ltd
