Find out more about Why MSIF?, Our Values and the MSIF Track Record.
Investment from a supportive funding provider is a positive step for a business to take. If you have the right finance package in place and an experienced funder on board, your business will be in a much stronger position to develop, grow and be successful.
Every applicant is different and it is important that a funding package is put together to suit the individual needs of each business.
Development, Growth, Success. Investment from a supportive funding provider is a positive step for a business to take.
If you have the right finance package in place and an experienced funder on board, your business will be in a much stronger position to develop, grow and be successful.
MSIF has been investing in Merseyside businesses since 1994. We are a local, independent organisation which is not bound by national policy - all lending decisions are made here in Liverpool.
Our experience and local knowledge of the unique characteristics of the region gives us a greater understanding of the business community here and we don’t conform to a “one size fits all” approach.
Our aim is to provide you with the highest standards of service, but we appreciate that sometimes, unfortunately, things can go wrong.
Letting us know when you are unhappy with your experience gives us the opportunity to put things right and make sure that we continue to improve to deliver the best possible service in the future.
If you would like to make a complaint, please use the contact information below and we'll acknowledge your complaint within 5 working days. Alternatively, we can log your complaint or query if you contact us.
The below summarises the six steps of our complaints handling process:
Step 1 Contacting Us
Ways to contact us:
Compliance Officer – Marc d’Abbadie
By post; Address; Alliance Fund Managers Ltd, 2 Exchange Court, 1 Dale Street, Liverpool L2 2PP
By Telephone; 0151 236 4040
Step 2 Acknowledging your complaint
We understand that resolving your complaint quickly is of the utmost importance, but to ensure we reach a fair outcome for you, we want to conduct a thorough investigation and this can take time.
We will write to you to acknowledge your complaint within 5 working days from the receipt of your complaint.
Step 3 Investigating your complaint
Our compliance officer or another independent senior member of staff will investigate your complaint (independent from the subject matter).
They will assess the details of your complaint thoroughly, fairly and impartially in order to reach a decision. To help with their investigations, they may need to contact you to request any additional information they will need.
Step 4 Keeping you updated on our progress
Our aim is to reach a conclusion within 4 weeks of the receipt of your complaint, but this can depend on the complexity of your case. If we have not resolved your complaint by this time we will ensure you are kept updated on the progress of our investigations.
Step 5 Informing you of our decision
We will always endeavour to inform you of our decision over the telephone.
Where we have not been able to discuss our decision over the telephone we will confirm our decision in writing in a final response letter but we may still want to discuss the outcome with you. This letter will detail a full account of our findings and the rationale for our decision. In the event that your complaint has not been resolved within 8 weeks from the date of receipt, we will either provide you with a final response letter, or a further update on the progress of our investigation, explaining why we are not yet in a position to provide you with our final response.
At this point, we will also inform you that you have the option to refer your complaint to the Financial Ombudsman Service and provide you with a booklet giving you further details on the service they provide.
Step 6 The Financial Ombudsman Service
If you are not happy with our final response or, 8 weeks have passed since you initially raised your complaint with us you may refer your complaint to the Financial Ombudsman Service.
The Financial Ombudsman Service was set up by law to give most consumers a free, independent service for resolving disputes with financial firms.
If you have a complaint you should always contact us first. The Ombudsman will only consider your complaint once you have attempted to resolve it directly with us.
You have a period of 6 months in which to refer to the Ombudsman. The 6-month period starts from the date of the final response. The contact details of the Financial Ombudsman Service are as follows:
Alliance Fund Managers Limited, 2nd Floor, 1 Exchange Court, Dales Street, Liverpool, L2 2PP, Company registration number; 03099944
The person responsible for data protection and privacy at AFM is Marc d’Abbadie. Contact;
Alliance Fund Manager Limited’s ICO registration number is ZA135393
2. The personal Data we may collect about you:
Where we collect data that identifies an individual this is classed as “personal data”. Personal data may include (but is not limited to) a name, date of birth, contact address and telephone number.
The types of personal data we may request are:
The above list is not exhaustive and we may from time to time require additional information in order to satisfy our legal and regulatory obligations. Where additional information is required we will provide you with a reasonable explanation of why it is required unless we are prevented from doing so by law.
AFM may use methods such as pseudonymisation which is a process whereby AFM can replace identifying fields of data with other non-identifying data fields in order to anonymise the data from the individual therefore meaning the data is no longer personal. AFM may use this method where we are required to retain certain types of information for clients, such as number of females and males employed, jobs created and average salaries paid. This type of statistical data is often required for ESG (Environmental, social and governance) investment purposes by clients to show value added investments made by AFM on behalf of its clients.
Use of this website
Special Category Data
Special Category data refers to any data which is sensitive and is subject to additional rules and requirements under the General Data Protection Regulations. Special category data may include information regarding: Criminal convictions and offences, race, ethnicity, religious or philosophical beliefs, political opinions, sexual orientation, trade union membership and information about your health, genetic and biometric data.
As a general rule we do not collect any Special Category Data about you. However, we are required to request information relating to criminal convictions as part of our recruitment process for staff and contractors undertaking regulated activities and as such, we require consent from the individual for this. If we are required by law to request any special category data from you, aside from the reasons mentioned above we will provide you with a reasonable explanation as to the nature and purpose for this request and obtain your consent. We would not be able to proceed without your consent unless there was a lawful reason for doing so.
How do we collect your personal data?
Typically, where we are required to obtain your personal data, we will request it from you. However, we may also from time to time receive your personal data through intermediaries where you have authorised the sharing of your personal data with us. Intermediaries may include Accountants, Solicitors, Independent financial advisors, Tax advisors and wealth managers who may be working on your behalf. Personal data may be provided to us via post, in person, email or via a specially created secure data room / platform. The data collection may be facilitated by way of completing an application form or questionnaire or by responding to information requests from us. We may also receive information from publicly available resources.
Why do we collect your personal data?
We only collect your personal data where we believe we have a legitimate business interest with you or we have a lawful purpose to do so. These reasons may include but may not be limited to circumstances where you:
How and why do we use your personal data:
Typically, we only use your data to be able to perform our duties under contracts we may have with you or where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
You will receive marketing communications from us if you have:
(i) requested information from us or have a contractual agreement with us; or
(ii) if you provided us with your details and have positively consented to us sending you marketing communications; and
(iii) in each case, you have not opted out of receiving that marketing.
Where you opt out of receiving our marketing communications, this will not apply to communication we make with you in relation to a legitimate business interest or lawful purposes, such as the performance of a contract we may have with you.
Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.
If we need to use your personal data for a purpose unrelated to the purpose for which we collected the data, we will notify you and we will explain the legal grounds for this.
We may process your personal data without your knowledge or consent only where this is required and permitted by law.
Sharing and Disclosure of your personal data:
We may share your personal data with the parties set out below for legitimate business interests and lawful purposes, these may include but are not limited to:
We require all third parties to whom we transfer your data to respect the security of your personal data and to treat it in accordance with the law. We only allow such third parties to process your personal data for specified purposes and in accordance with our instructions.
We do not share or transfer your data outside of the UK or the European Economic Area (EEA).
Countries outside of the European Economic Area (EEA) do not always offer the same levels of protection to your personal data, so European law has prohibited transfers of personal data outside of the EEA unless the transfer meets certain criteria.
The Security of your Data
We have put in place adequate, proportionate and appropriate security measures as is required of an authorised firm to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know such data. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with data breaches in accordance with the GDPR (General Data protection regulation) and we will notify you and any applicable regulator of a breach where we are legally required to do so.
Data Retention periods: We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory. accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
By law we must keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years for tax purposes and for at least five years after a client ceases to be a client under the UK money laundering regulations 2017.
In some circumstances we may pseudonymise your personal data for statistical purposes in which case we may use this information indefinitely without further notice to you.
GDPR personal rights:
Under certain circumstances, you have rights under data protection laws in relation to your personal data. These include the right to:
You will not have to pay a fee to access your personal data (or to exercise any of your rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances. In order to respond to a subject access request, we will need to confirm your identity as a security measure to safeguard you from your personal data from being disclosed to non-authorised third parties. Please provide us with as much information as possible to enable us to comply with your request within an acceptable time-frame. We are required to respond to subject access requests where practically possible within 30 days and if this is not possible we will provide you with a reasonable explanation as to why this cannot be achieved.
Complaints and queries:
Where the data is stored
Site visitation data
Contact forms and email links
Should you choose to contact us using the contact form or via our email link, none of the data that you supply will be stored by this website or passed to / be processed by any of the third party data processors. Instead the data will be collated into an email and sent to us over SMTP. Our SMTP servers are protected meaning that email content is encrypted and then the content is decrypted via our local computers and devices.
Whenever personal data is obtained from you, you will have access to information as to how that data will be used and an option to withdraw consent and/or storage of that data at any point.
Sharing information - our third party data processors
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access. We use a number of third parties to process personal data on our behalf. These third parties have been carefully chosen and all of them comply with the legislation required.
We may update this policy. We will notify you about significant changes in the way we treat personal information by placing a prominent notice on our web site.
If you continue to browse and use this website [our ‘site’] you are agreeing to comply with and be bound by the following terms and conditions of use.
Privacy support and data controller
Cookies on sites from third party organisations
If you want to restrict or block the cookies we set, you can do this through your browser settings. The ‘help’ function within your browser should tell you how. Alternatively, you could visit https://www.aboutcookies.org/ which contains comprehensive information on cookies on a wide variety of browsers. You’ll also find details on how to delete cookies from your computer. To learn about controlling cookies on the browser of your mobile device please refer to your handset manual. Ver. 2.1