Privacy Notice

Introduction

Who We Are

For the purposes of the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, All Finance Ltd is the Data Controller. We are registered with the Information Commissioner's Office under registration number Z912343X.

The Information We Collect

When you engage with All Finance Ltd (either directly or via third parties), we may collect and process personal data relating to you. This information may be provided by you, by an introducer, or by third parties such as professional advisers or data providers.

Categories of Personal Data

• Identity Data
  Name, date of birth, and other identifying information.
• Contact Data
  Address, email address, telephone number, and other contact details.
• Financial Data
  Information relating to your financial position, funding requirements, transaction history, or affordability.
• Transactional Data
  Details of payments to or from us and records of services provided.
• Contractual Data
  Information relating to agreements, applications, or services you have requested or entered into.
• Technical & Usage Data
  Information about how you use our website, platforms, or services.
• Communications Data
  Records of emails, calls, messages, or other correspondence with us.
• Publicly Available Data
  Information obtained from public registers, open data sources, or information lawfully available online.
• Documentary Data
  Copies of documents you provide to verify identity or eligibility (such as passports or driving licences).

We do not knowingly collect or process special category data unless we have a lawful basis and your explicit consent where required.

If you provide personal data relating to another individual, you confirm that you have obtained their permission for us to use that data in accordance with this Privacy Notice.

Lawful Bases for Processing

Data protection law requires us to have a lawful reason for using your personal data. We rely on one or more of the following bases:

How We Use Your Personal Data

We may use your personal data for the following purposes:

• To manage and administer our relationship with you or your business
• To assess eligibility for products or services
• To provide information, guidance, or support
• To process applications, transactions, and payments
• To comply with legal, regulatory, and compliance obligations
• To prevent fraud, money laundering, and financial crime
• To improve and develop our products, services, and technology
• To manage our operations, governance, risk, and reporting
• To communicate with you, including responding to enquiries or complaints
• To conduct marketing activities where permitted

Where we rely on legitimate interests, these may include improving our services, managing risk, maintaining accurate records, and operating our business efficiently.

Who We Share Your Data With

We do not sell or rent your personal data. We may share your personal information with trusted third parties where necessary, including:

• Lenders and financial institutions, banks, alternative lenders, private investors, and funding partners where applications are made on your behalf
• Credit reference agencies — to assess creditworthiness, affordability, identity verification, and fraud prevention
• Fraud prevention agencies — to prevent and detect fraud, money laundering, and related financial crime
• Professional advisers and service providers — including legal, compliance, technology, analytics, and administrative support providers
• Regulators and authorities — where required by law or regulation

Credit searches may leave a record on your credit file which may be visible to other lenders.

International Transfers

Your data may be transferred outside the UK or European Economic Area where necessary. Where this occurs, we ensure appropriate safeguards are in place to protect your information in line with data protection laws.

How Long We Keep Your Data

We retain personal data only for as long as necessary for the purposes for which it was collected, including:

• Providing services to you
• Meeting legal and regulatory requirements
• Resolving disputes or complaints
• Maintaining audit and compliance records

In some cases, we may retain data for longer periods where required by law or for legitimate business purposes.

Marketing Communications

We may send you information about our services or related offerings where permitted by law.

You can opt out of marketing communications at any time by contacting us or using the unsubscribe options provided in communications.

Automated Decision-Making

We or our partners may use automated systems (including AI-driven tools) to support decision-making, such as assessing applications or eligibility.

You have the right to request human review of automated decisions, and to object to decisions based solely on automated processing. To exercise these rights, please contact us.

Your Data Protection Rights

You have rights under data protection law, including the right to:

• Access your personal data
• Request correction of inaccurate data
• Request erasure of your data
• Object to or restrict processing
• Request data portability
• Withdraw consent where applicable

Requests can be made by contacting us using the details above.

Data Sharing Consent

By submitting your information, you acknowledge and consent that we may share the data you provide with third-party finance providers and partners in order to determine the most appropriate funding or service options for your business. Shared data may be used by these partners to conduct soft credit and identity checks, and to verify business eligibility through fraud prevention agencies. These checks will not impact your credit score, but please be aware that the detection of fraud may affect your eligibility for financial or other services.

We act solely in an intermediary capacity and do not provide regulated financial advice. Our activities fall within the scope of VAT-exempt intermediation services as we facilitate the introduction and onboarding between the client and regulated finance providers.

Cookies

Our website uses cookies and similar technologies to enhance your browsing experience and improve site functionality and measurement. Details of the cookies we use and how to manage them can be found in our Cookie Policy, and you can control cookies through your browser settings at any time.

Commission Disclosure

All Finance acts as a credit broker, not a lender. For transparency, we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow, and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation, and amount will be disclosed to you throughout your customer journey.

Commission payments received by us do not affect the amount you borrow or repay. We are committed to ensuring that any commission arrangement does not create a conflict of interest or result in detriment to you as a customer.

Complaints

If you are unhappy with how we handle your personal data, please contact us first so we can address your concerns.

You also have the right to complain to the Information Commissioner's Office (ICO): ico.org.uk/concerns