This Privacy Policy explains how CoSine Services Ltd ("CoSine," "we," "our," or "us") collects, uses and protects your personal data when you visit our website. By using our Website, you agree to the terms outlined in this policy.
Our policy is to protect your privacy and your personal information. This Privacy Policy sets out the information we collect from you in order for you to use our services, how we manage that data and our reasons for holding it. We respect the confidentiality of your information and your right to privacy. We are bound by the General Data Protection Regulation and relevant laws and regulations.
From time to time we may update this Privacy Policy and will notify you of these changes by posting the updated terms on our website.
CoSine Services Ltd is the data controller of your personal information, and this policy applies to the processing of activities by us.
We may collect the following types of information:
Personal Information: Name, email address, postal address, phone number, employment history, financial details, including savings and salary, credit score and repayment history, and any other personal details you provide when filling out forms for the application or obtained through your use of our services or our websites, the onboarding process and from information provided in the course of ongoing customer communication. This also includes any personal information collected through third-party sources.
Technical Data: IP address, browser type, operating system, and other information collected through cookies.
Usage Data: Pages visited, time spent on the Website, and interaction with content.
We may record any communications, email, electronic, by telephone, in person or otherwise, that we have with you in relation to the services we provide to you and our relationship with you. These recordings will be our sole property and constitute evidence of the communications between us. Any telephone conversation may be recorded without the use of a warning tone or any other further notice.
We only process your personal information when we have a lawful basis to do so. The lawful bases we rely on include:
We use the collected information for the following purposes:
We do not sell your personal information. However, we may share it with:
We may on occasion need to transfer some of your information to other group companies or service providers in countries in or outside the EEA (European Economic Area). This may happen if our servers or suppliers and service providers are located elsewhere. When we transfer your personal data outside the EEA, we will ensure the data recipient is subject to the same data requirements under UK GDPR and DPA. By using our services and providing us with your information, you consent to the collection, transfer, storage and processing of your information outside of the EEA.
We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used, or accessed in an unauthorised way. In addition, we limit access to your personal information to those employees, agents, contractors, and other third parties who have a business need to know. However, no method of transmission over the internet is 100% secure.
We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
Depending on your location, you may have the right to:
To exercise these rights, please contact us at rohita@co-sine.com
We use cookies to distinguish you from other users of our Site and to remember your preferences. This helps us to provide you with a good experience when you browse our Site and also allows us to improve it. For detailed information on the cookies we use and the purposes for which we use them, see our Cookie Policy.
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Please review it periodically for updates.
For any questions about this Privacy Policy, contact us at rohita@co-sine.com
If you have any questions about this privacy policy or our privacy practices, please contact us at rohita@co-sine.com
We will respond and address, without delay, any request, question, complaint or enquiry you have about your personal information or our conduct in processing it. If you are not satisfied with the way we handled your response, or you believe we have not adequately resolved a matter, you have the right to complain to the Information Commissioner's Officer (the 'ICO'). You can find further details on the ICO website at https://ico.org.uk/
You also have the right, at any time, to complain to the Information Commissioner's Office. As an independent UK authority, the ICO upholds information rights in the public interest, promotes openness by public bodies and data privacy for individuals. However, we would appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.
Last updated: 15 March 2025