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Terms and Conditions of Use


These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded by their own terms and conditions), and  D P MONKS FINANCE Ltd,  the owner and operator of this Website. Please read these terms and conditions carefully, as they affect your legal rights. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.


In these terms and conditions, User or Users means any third party that accesses the Website and is not either (i) employed by  D P MONKS FINANCE Ltd  and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to  D P MONKS FINANCE Ltd and accessing the Website in connection with the provision of such services.


You must be at least 18 years of age to use this Website. By using the Website and agreeing to these terms and conditions, you represent and warrant that you are at least 18 years of age.


Intellectual property and acceptable use

1.    All Content included on the Website, unless uploaded by Users, is the property of  D P MONKS FINANCE Ltd,  our affiliates or other relevant third parties. In these terms and conditions, Content means any text, graphics, images, audio, video, software, data compilations, page layout, underlying code and software and any other form of information capable of being stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website you acknowledge that such Content is protected by copyright, trademarks, database rights and other intellectual property rights. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without the owner's prior written permission

2.    You may, for your own personal, non-commercial use only, do the following:

a.   retrieve, display and view the Content on a computer screen

3.     You must not otherwise reproduce, modify, copy, distribute or use for commercial purposes any Content without the written permission of  D P MONKS FINANCE Ltd.

4.    You acknowledge that you are responsible for any Content you may submit via the Website, including the legality, reliability, appropriateness, originality and copyright of any such Content. You may not upload to, distribute or otherwise publish through the Website any Content that (i) is confidential, proprietary, false, fraudulent, libellous, defamatory, obscene, threatening, invasive of privacy or publicity rights, infringing on intellectual property rights, abusive, illegal or otherwise objectionable; (ii) may constitute or encourage a criminal offence, violate the rights of any party or otherwise give rise to liability or violate any law; or (iii) may contain software viruses, political campaigning, chain letters, mass mailings, or any form of "spam." You may not use a false email address or other identifying information, impersonate any person or entity or otherwise mislead as to the origin of any content. You may not upload commercial content onto the Website.​

5.    You represent and warrant that you own or otherwise control all the rights to the Content you post; that the Content is accurate; that use of the Content you supply does not violate any provision of these terms and conditions and will not cause injury to any person; and that you will indemnify  D P MONKS FINANCE Ltd for all claims resulting from Content you supply.


       Prohibited use

6.    You may not use the Website for any of the following purposes:

       a.   in any way which causes, or may cause, damage to the Website or interferes with any other person's use or enjoyment of the Website;

       b.   in any way which is harmful, unlawful, illegal, abusive, harassing, threatening or otherwise objectionable or in breach of any applicable law, regulation, governmental order;

       c.   making, transmitting or storing electronic copies of Content protected by copyright without the permission of the owner.


7.    You must ensure that the details provided by you on registration or at any time are correct and complete.

8.    You must inform us immediately of any changes to the information that you provide when registering by updating your personal details to ensure we can communicate with you effectively.

9.    We may suspend or cancel your registration with immediate effect for any reasonable purposes or if you breach these terms and conditions.

10.         You may cancel your registration at any time by informing us in writing to the address at the  end of these terms and conditions. If you do so, you must immediately stop using the Website. Cancellation or suspension of your registration does not affect any statutory rights.


              Password and security

11.         When you register on this Website, you will be asked to create a password, which you should keep confidential and not disclose or share with anyone.

12.         If we have reason to believe that there is or is likely to be any misuse of the Website or breach of security, we may require you to change your password or suspend your account.


              Links to other websites

13.         This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of  D P MONKS FINANCE Ltd or that of our affiliates.

14.         We assume no responsibility for the content of such Websites and disclaim liability for any and all forms of loss or damage arising out of the use of them.

15.         The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.


              Privacy Policy and Cookies Policy

16.         Use of the Website is also governed by our Privacy Policy and Cookies Policy, which are incorporated into these terms and conditions in the chapters below.  


              Availability of the Website and disclaimers

17.         Any online facilities, tools, services or information that  D P MONKS FINANCE Ltd makes available through the Website (the Service) is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law, we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.  D P MONKS FINANCE Ltd is under no obligation to update information on the Website.


18.         Whilst  D P MONKS FINANCE Ltd uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, we give no warranty or guaranty in that regard and all Users take responsibility for their own security, that of their personal details and their computers.

19.         D P MONKS FINANCE Ltd accepts no liability for any disruption or non-availability of the Website.

20.         D P MONKS FINANCE Ltd reserves the right to alter, suspend or discontinue any part (or the whole of) the Website including, but not limited to, any products and/or services available. These terms and conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.


              Limitation of liability

21.         Nothing in these terms and conditions will: (a) limit or exclude our or your liability for death or personal injury resulting from our or your negligence, as applicable; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; or (c) limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.

22.         We will not be liable to you in respect of any losses arising out of events beyond our reasonable control.

23.         To the maximum extent permitted by law,  D P MONKS FINANCE Ltd accepts no liability for                    any of the following:

              a.   any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill or commercial opportunities;

              b.   loss or corruption of any data, database or software;

              c.   any special, indirect or consequential loss or damage.



24.         You may not transfer any of your rights under these terms and conditions to any other person. We may transfer our rights under these terms and conditions where we reasonably believe your rights will not be affected.

25.         These terms and conditions may be varied by us from time to time. Such revised terms will apply to the Website from the date of publication. Users should check the terms and conditions regularly to ensure familiarity with the then current version.

26.         These terms and conditions together with the Privacy Policy and Cookies Policy  contain the whole agreement between the parties relating to its subject matter and supersede all  prior discussions, arrangements or agreements that might have taken place in relation to the terms and conditions.

27.         The Contracts (Rights of Third Parties) Act 1999 shall not apply to these terms and conditions and no third party will have any right to enforce or rely on any provision of these terms and conditions.

28.         If any court or competent authority finds that any provision of these terms and conditions (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of      the other provisions of these terms and conditions will not be affected.

29.         Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.

30.         This Agreement shall be governed by and interpreted according to the law of England and Wales and all disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts.


              D P MONKS FINANCE Ltd details

31.         D P MONKS FINANCE Ltd is a company incorporated in England and Wales with registered number 13058368 whose registered address is 85 Great Portland Street, First Floor, London, W1W 7LT and it  operates the Website

You can contact D P MONKS FINANCE by email on

Data Protection and Data security Policy

Data Protection and Data security Policy

Statement and purpose of policy

A.   D.P.Monks Finance Ltd (the Employer) is committed to ensuring that all personal data handled by us will be processed according to legally compliant standards of data protection and data security.


B.   We confirm for the purposes of the data protection laws, that the Employer is a data controller of the personal data in connection with your employment. This means that we determine the purposes for which, and the manner in which, your personal data is processed.


C.   The purpose of this policy is to help us achieve our data protection and data security aims by:


1.   notifying our staff of the types of personal information that we may hold about them, our customers, suppliers and other third parties and what we do with that information;


2.   setting out the rules on data protection and the legal conditions that must be satisfied when we collect, receive, handle, process, transfer and store personal data and ensuring staff understand our rules and the legal standards; and


3.   clarifying the responsibilities and duties of staff in respect of data protection and data security.

D.   This is a statement of policy only and does not form part of your contract of employment. We may amend this policy at any time, in our absolute discretion.

E.   For the purposes of this policy:


1.   Criminal records data means information about an individual's criminal convictions and offences, and information relating to criminal allegations and proceedings.


2.   Data protection laws means all applicable laws relating to the processing of Personal Data, including, for the period during which it is in force, the UK General Data Protection Regulation.


3.   Data subject means the individual to whom the personal data relates.


4.   Personal data means any information that relates to an individual who can be identified from that information.


5.   Processing means any use that is made of data, including collecting, storing, amending, disclosing, or destroying it.


6.   Special categories of personal data means information about an individual's racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, health, sex life or sexual orientation and biometric data.

Data protection principles


1.    Staff whose work involves using personal data relating to Staff or others must comply with this policy and with the following data protection principles which require that personal information is:


a.   processed lawfully, fairly and in a transparent manner. We must always have a lawful basis to process personal data, as set out in the data protection laws. Personal data may be processed as necessary to perform a contract with the data subject, to comply with a legal obligation which the data controller is the subject of, or for the legitimate interest of the data controller or the party to whom the data is disclosed. The data subject must be told who controls the information (us), the purpose(s) for which we are processing the information and to whom it may be disclosed.


b.   collected only for specified, explicit and legitimate purposes. Personal data must not be collected for one purpose and then used for another. If we want to change the way we use personal data, we must first tell the data subject.


c.   processed only where it is adequate, relevant and limited to what is necessary for the purposes of processing. We will only collect personal data to the extent required for the specific purpose notified to the data subject.


d.   accurate and the Employer takes all reasonable steps to ensure that information that is inaccurate is rectified or deleted without delay. Checks to personal data will be made when collected and regular checks must be made afterwards. We will make reasonable efforts to rectify or erase inaccurate information.


e.   kept only for the period necessary for processing. Information will not be kept longer than it is needed and we will take all reasonable steps to delete information when we no longer need it. For guidance on how long particular information should be kept, contact the Data Protection Officer, or request a copy of our Data retention policy.


f.   secure, and appropriate measures are adopted by the Employer to ensure as such.

Who is responsible for data protection and data security?


2.    Maintaining appropriate standards of data protection and data security is a collective task shared between us and you. This policy and the rules contained in it apply to all staff of the Employer, irrespective of seniority, tenure and working hours, including all employees, directors and officers, consultants and contractors, casual or agency staff, trainees, homeworkers and fixed-term staff and any volunteers (Staff).


3.    Questions about this policy, or requests for further information, should be directed to the Data Protection Officer.


4.    All Staff have personal responsibility to ensure compliance with this policy, to handle all personal data consistently with the principles set out here and to ensure that measures are taken to protect the data security. Managers have special responsibility for leading by example and monitoring and enforcing compliance. The Data Protection Officer must be notified if this policy has not been followed, or if it is suspected this policy has not been followed, as soon as reasonably practicable.


5.    Any breach of this policy will be taken seriously and may result in disciplinary action up to and including dismissal. Significant or deliberate breaches, such as accessing Staff or customer personal data without authorisation or a legitimate reason to do so, may constitute gross misconduct and could lead to dismissal without notice.


What personal data and activities are covered by this policy?


6.    This policy covers personal data:


a.   which relates to a natural living individual who can be identified either from that information in isolation or by reading it together with other information we possess;


b.   is stored electronically or on paper in a filing system;


c.   in the form of statements of opinion as well as facts;


d.   which relates to Staff (present, past or future) or to any other individual whose personal data we handle or control;


e.   which we obtain, is provided to us, which we hold or store, organise, disclose or transfer, amend, retrieve, use, handle, process, transport or destroy.


7.    This personal data is subject to the legal safeguards set out in the data protection laws.

What personal data do we process about Staff?


8.    We collect personal data about you which:


a.   you provide or we gather before or during your employment or engagement with us;


b.   is provided by third parties, such as references or information from suppliers or another party that we do business with; or


c.   is in the public domain.


9.    The types of personal data that we may collect, store and use about you include records relating to your:


a.   home address, contact details and contact details for your next of kin;


b.   recruitment (including your application form or curriculum vitae, references received and details of your qualifications);


c.   pay records, national insurance number and details of taxes and any employment benefits such as pension and health insurance (including details of any claims made);


d.   telephone, email, internet, fax or instant messenger use;


e.   Social Media Details;


f.   performance and any disciplinary matters, grievances, complaints or concerns in which you are involved.

Sensitive personal data


10.         We may from time to time need to process sensitive personal information (sometimes referred to as 'special categories of personal data').


11.         We will only process sensitive personal information if:

a.   we have a lawful basis for doing so, eg it is necessary for the performance of the employment contract; and


b.   one of the following special conditions for processing personal information applies:


i.   the data subject has given explicit consent.


ii.   the processing is necessary for the purposes of exercising the employment law rights or obligations of the Company or the data subject.


iii.   the processing is necessary to protect the data subject's vital interests, and the data subject is physically incapable of giving consent.


iv.   processing relates to personal data which are manifestly made public by the data subject.


v.   the processing is necessary for the establishment, exercise, or defence or legal claims; or


vi.   the processing is necessary for reasons of substantial public interest.


12.         Before processing any sensitive personal information, Staff must notify the Data Protection Officer of the proposed processing, in order for the Data Protection Officer to assess whether the processing complies with the criteria noted above.


13.         Sensitive personal information will not be processed until the assessment above has taken place and the individual has been properly informed of the nature of the processing, the purposes for which it is being carried out and the legal basis for it.


14.         Our privacy notice sets out the type of sensitive personal information that we process, what it is used for and the lawful basis for the processing.

Criminal records information


15.         Criminal records information will be processed in accordance with out Criminal Records Information Policy.

How we use your personal data


16.         We will tell you the reasons for processing your personal data, how we use such information and the legal basis for processing in our privacy notice. We will not process Staff personal information for any other reason.


17.         In general we will use information to carry out our business, to administer your employment or engagement and to deal with any problems or concerns you may have, including, but not limited to:


a.   Staff Address Lists: to compile and circulate lists of home address and contact details, to contact you outside working hours.


b.   Sickness records: to maintain a record of your sickness absence and copies of any doctor's notes or other documents supplied to us in connection with your health, to inform your colleagues and others that you are absent through sickness, as reasonably necessary to manage your absence, to deal with unacceptably high or suspicious sickness absence, to inform reviewers for appraisal purposes of your sickness absence level, to publish internally aggregated, anonymous details of sickness absence levels.


c.   Monitoring IT systems: to monitor your use of e-mails, internet, telephone and fax, computer or other communications or IT resources.


d.   Disciplinary, grievance or legal matters: in connection with any disciplinary, grievance, legal, regulatory or compliance matters or proceedings that may involve you.


e.   Performance Reviews: to carry out performance reviews.


f.   Equal Opportunities Monitoring: to conduct monitoring for equal opportunities purposes and to publish anonymised, aggregated information about the breakdown of the Employer's workforce.


g.   We may also use your personal data to .

Accuracy and relevance

18.         We will:

a.   ensure that any personal data processed is up to date, accurate, adequate, relevant and not excessive, given the purpose for which it was collected.

b.   not process personal data obtained for one purpose for any other purpose, unless you agree to this or reasonably expect this.


19.         If you consider that any information held about you is inaccurate or out of date, then you should tell the Data Protection Officer. If they agree that the information is inaccurate or out of date, then they will correct it promptly. If they do not agree with the correction, then they will note your comments.

Storage and retention


20.         Personal data (and sensitive personal information) will be kept securely in accordance with our Information Security Policy. 


21.         The periods for which we hold personal data are contained in our privacy notices.

Individual rights


22.         You have the following rights in relation to your personal data.


23.         Subject access requests:

a.   You have the right to make a subject access request. If you make a subject access request, we will tell you:


i.   whether or not your personal data is processed and if so why, the categories of personal data concerned and the source of the data if it is not collected from you;


ii.   to whom your personal data is or may be disclosed, including to recipients outside of the UK or European Economic Area (EEA) and the safeguards that apply to such transfers;


iii.   for how long your personal data is stored (or how that period is decided);


iv.   your rights of rectification or erasure of data, or to restrict or object to processing;


v.   your right to right to complain to the Information Commissioner if you think we have failed to comply with your data protection rights; and


vi.   whether or not we carry out automated decision-making and the logic involved in any such decision making.


b.   We will provide you with a copy of the personal data undergoing processing. This will normally be in electronic form if you have made a request electronically, unless you agree otherwise.


c.   To make a subject access request, contact us at


d.   We may need to ask for proof of identification before your request can be processed. We will let you know if we need to verify your identity and the documents we require.


e.   We will normally respond to your request within 28 days from the date your request is received. In some cases, eg where there is a large amount of personal data being processed, we may respond within 3 months of the date your request is received. We will write to you within 28 days of receiving your original request if this is the case.


f.   If your request is manifestly unfounded or excessive, we are not obliged to comply with it.


24.         Other rights:


a.   You have a number of other rights in relation to your personal data. You can require us to:


i.   rectify inaccurate data;


ii.   stop processing or erase data that is no longer necessary for the purposes of processing;


iii.   stop processing or erase data if your interests override our legitimate grounds for processing the data (where we rely on our legitimate interests as a reason for processing data);

iv.   stop processing data for a period if data is inaccurate or if there is a dispute about whether or not your interests override the Employer's legitimate grounds for processing the data.

b.   To request that we take any of these steps, please send the request to

Data security


25.         We will use appropriate technical and organisational measures to keep personal data secure, and in particular to protect against unauthorised or unlawful processing and against accidental loss, destruction or damage.


26.         Maintaining data security means making sure that:


a.   only people who are authorised to use the information can access it;


b.   where possible, personal data is pseudonymised or encrypted;


c.   information is accurate and suitable for the purpose for which it is processed; and


d.   authorised persons can access information if they need it for authorised purposes.


27.         By law, we must use procedures and technology to secure personal information throughout the period that we hold or control it, from obtaining to destroying the information.


28.         Personal information must not be transferred to any person to process (eg while performing services for us on or our behalf), unless that person has either agreed to comply with our data security procedures or we are satisfied that other adequate measures exist.


29.         Security procedures include:


a.   Any desk or cupboard containing confidential information must be kept locked.


b.   Computers should be locked with a strong password that is changed regularly or shut down when they are left unattended and discretion should be used when viewing personal information on

a monitor to ensure that it is not visible to others.


c.   Data stored on CDs or memory sticks must be encrypted or password protected and locked away securely when they are not being used.


d.   The Data Protection Officer must approve of any cloud used to store data.


e.   Data should never be saved directly to mobile devices such as laptops, tablets or smartphones.


f.   All servers containing sensitive personal data must be approved and protected by security software.


g.   Servers containing personal data must be kept in a secure location, away from general office space.


h.   Data should be regularly backed up in line with the Employer's back-up procedure.


30.         Telephone Precautions. Particular care must be taken by Staff who deal with telephone enquiries to avoid inappropriate disclosures. In particular:

a.   the identity of any telephone caller must be verified before any personal information is disclosed;

b.   if the caller's identity cannot be verified satisfactorily then they should be asked to put their query in writing;

c.   do not allow callers to bully you into disclosing information. In case of any problems or uncertainty, contact the Data Protection Officer.


31.         Methods of disposal. Copies of personal information, whether on paper or on any physical storage device, must be physically destroyed when they are no longer needed. Paper documents should be shredded and CDs or memory sticks or similar must be rendered permanently unreadable.


Data impact assessments


32.         Some of the processing that the Employer carries out may result in risks to privacy.


33.         Where processing would result in a high risk to Staff rights and freedoms, the Employer will carry out a data protection impact assessment to determine the necessity and proportionality of processing. This will include considering the purposes for which the the activity is carried out, the risks for individuals and the measures that can be put in place to mitigate those risks.

Data breaches


34.         If we discover that there has been a breach of Staff personal data that poses a risk to the rights and freedoms of individuals, we will report it to the Information Commissioner within 72 hours of discovery.


35.         We will record all data breaches regardless of their effect in accordance with our Breach response policy.


36.         If the breach is likely to result in a high risk to your rights and freedoms, we will tell affected individuals that there has been a breach and provide them with more information about its likely consequences and the mitigation measures it has taken.

International data transfers


37.         In the course of carrying out our business, we may need to transfer your personal information to a country outside the UK or European Economic Area (EEA) including to any group company or to another person with whom we have a business relationship.


38.         Your personal data will only be transferred to a country outside of the UK or EEA if there are adequate protections in place. To ensure that your personal data receives an adequate level of protection, we have put in place appropriate procedures with the third parties we share your personal data with to ensure your personal data is treated by those third parties in a way that is consistent with and which respects the law on data protection.


39.         If you wish to know more about international transfers of your personal data, you may contact the Data Protection Officer.

Individual responsibilities


40.         Staff are responsible for helping the Employer keep their personal data up to date.


41.         Staff should let the Employer know if personal data provided to the Employer changes, eg if you move house or change your bank details.


42.         You may have access to the personal data of other Staff members and of our customers in the course of your employment. Where this is the case, the Employer relies on Staff members to help meet its data protection obligations to Staff and to customers.


43.         Individuals who have access to personal data are required:


a.   to access only personal data that they have authority to access and only for authorised purposes;


b.   not to disclose personal data except to individuals (whether inside or outside of the Employer) who have appropriate authorisation;


c.   to keep personal data secure (eg by complying with rules on access to premises, computer access, including password protection, and secure file storage and destruction);


d.   not to remove personal data, or devices containing or that can be used to access personal data, from the Employer's premises without adopting appropriate security measures (such as encryption or password protection) to secure the data and the device; and


e.   not to store personal data on local drives or on personal devices that are used for work purposes.



44.         We will provide training to all individuals about their data protection responsibilities as part of the induction process and at regular intervals thereafter.


45.         Individuals whose roles require regular access to personal data, or who are responsible for implementing this policy or responding to subject access requests under this policy will receive additional training to help them understand their duties and how to comply with them.

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