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Privacy Policy

Liverpool Commercial Finance
49 Jamaica Street, Liverpool L1 0AH
Email: admin@liverpoolcommercialfinance.co.uk

Last Updated: October 2025

1. Introduction

Liverpool Commercial Finance (“we”, “us”, or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website liverpoolcommercialfinance.co.uk or use our services.

Please read this Privacy Policy carefully. By accessing our website or using our services, you acknowledge that you have read and understood this policy.

2. Information We Collect

2.1 Personal Information You Provide to Us

We collect information that you voluntarily provide when you:

  • Submit an enquiry or application for finance
  • Request a quote or consultation
  • Register for an account on our website
  • Subscribe to our newsletter or marketing communications
  • Contact us via email, phone, or contact forms
  • Participate in surveys or provide feedback

This information may include:

  • Full name and contact details (address, email, phone number)
  • Date of birth and identification information
  • Business name and registration details
  • Financial information (income, turnover, credit requirements)
  • Bank account details
  • Employment information
  • Any other information you choose to provide

2.2 Information We Collect Automatically

When you visit our website, we automatically collect certain information about your device and browsing activity:

  • Device Information: IP address, browser type and version, operating system, device type
  • Usage Data: Pages viewed, time spent on pages, links clicked, referring website
  • Location Data: General geographic location based on IP address
  • Cookies and Tracking Technologies: See Section 8 for details

2.3 Information from Third Parties

We may receive information about you from third parties, including:

  • Credit Reference Agencies: Credit history, credit score, financial associations
  • Fraud Prevention Agencies: Identity verification and fraud risk data
  • Business Information Providers: Company information, directors, financial records
  • Introducers and Brokers: Information provided on your behalf
  • Publicly Available Sources: Companies House, Land Registry, social media (business profiles)

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Providing Our Services

  • Processing and assessing finance applications
  • Arranging and managing commercial finance facilities
  • Communicating with you about your application or account
  • Providing customer support and responding to enquiries
  • Administering your account and maintaining records

3.2 Legal and Regulatory Compliance

  • Verifying your identity and conducting anti-money laundering checks
  • Meeting Financial Conduct Authority (FCA) requirements
  • Complying with tax obligations and reporting requirements
  • Responding to legal requests and preventing illegal activities
  • Detecting and preventing fraud

3.3 Business Operations

  • Improving our website, products, and services
  • Conducting market research and analysis
  • Managing our business relationships with partners and suppliers
  • Training staff and quality monitoring
  • Maintaining business records and accounts

3.4 Marketing and Communications

  • Sending you information about our services (with your consent or legitimate interest)
  • Providing personalized content and recommendations
  • Conducting customer satisfaction surveys
  • Inviting you to events or webinars

3.5 Website Functionality

  • Operating and maintaining our website
  • Analyzing website usage and performance
  • Remembering your preferences and settings
  • Securing our website and preventing cyber threats

4. Legal Basis for Processing

Under data protection law, we must have a legal basis to process your personal information. We rely on:

  • Contract Performance: Processing necessary to provide our services to you
  • Legal Obligation: Processing required to comply with the law and regulations
  • Legitimate Interests: Processing necessary for our business interests (fraud prevention, service improvement, direct marketing to existing clients)
  • Consent: Where you have given explicit permission (marketing to non-clients, cookies)
  • Vital Interests: In rare cases, to protect life or wellbeing

5. How We Share Your Information

We may share your personal information with the following categories of recipients:

5.1 Service Providers and Business Partners

  • Lenders and financial institutions who may provide funding
  • Credit reference agencies (Experian, Equifax, TransUnion)
  • Fraud prevention agencies
  • IT service providers and hosting companies
  • Payment processors
  • Professional advisers (solicitors, accountants, auditors)
  • Document verification services
  • Marketing and analytics providers

5.2 Regulatory and Legal Bodies

  • Financial Conduct Authority (FCA)
  • HM Revenue & Customs (HMRC)
  • Police and law enforcement agencies
  • Courts and dispute resolution bodies
  • Other regulatory authorities as required

5.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the relevant parties involved.

5.4 With Your Consent

We may share your information with other third parties where you have given explicit consent.

Important: We do not sell your personal information to third parties for their marketing purposes.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

  • Secure Socket Layer (SSL) encryption for data transmission
  • Encrypted data storage
  • Access controls and password protection
  • Regular security audits and vulnerability assessments
  • Staff training on data protection and security
  • Secure backup systems
  • Confidentiality agreements with staff and third parties

Despite our safeguards, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal obligations:

  • Successful applications and active clients: For the duration of the relationship plus 7 years after closure (regulatory requirement)
  • Declined or withdrawn applications: Up to 6 years
  • Marketing data: Until you unsubscribe or we determine it is no longer relevant (reviewed at least every 3 years)
  • Website analytics data: Typically 26 months
  • CCTV footage (if applicable): 30 days unless needed for investigation

When data is no longer required, we securely delete or anonymize it.

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and analyze website performance.

Types of Cookies We Use:

  • Essential Cookies: Necessary for website functionality (cannot be disabled)
  • Performance Cookies: Collect information about how you use our website
  • Functionality Cookies: Remember your preferences and choices
  • Marketing Cookies: Track your online activity to deliver relevant advertising

You can control cookie preferences through your browser settings or our cookie consent tool. Note that disabling certain cookies may affect website functionality.

For detailed information, please see our Cookie Policy.

9. Your Privacy Rights

Under UK data protection law, you have the following rights:

9.1 Right to Access

Request a copy of the personal information we hold about you.

9.2 Right to Rectification

Request correction of inaccurate or incomplete information.

9.3 Right to Erasure

Request deletion of your personal information in certain circumstances.

9.4 Right to Restrict Processing

Request that we limit how we use your information.

9.5 Right to Data Portability

Receive your data in a portable format to transfer to another provider.

9.6 Right to Object

Object to processing based on legitimate interests or for direct marketing.

9.7 Right to Withdraw Consent

Withdraw consent at any time where processing is based on consent.

9.8 Automated Decision-Making Rights

Request human review of automated decisions that significantly affect you.

To exercise these rights, contact us at compliance@liverpoolcommercialfinance.co.uk

We will respond within one month, though complex requests may take up to three months.

10. Marketing Communications

We may send you marketing communications about our services by email, post, phone, or SMS if:

  • You have requested information or used our services, and we have a legitimate interest, or
  • You have given explicit consent

You can opt out at any time by:

Even if you opt out of marketing, we may still send you service-related communications.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

12. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

13. International Transfers

Your personal information is primarily stored and processed within the United Kingdom. If we transfer data outside the UK or European Economic Area, we ensure appropriate safeguards are in place, such as:

  • Standard Contractual Clauses approved by UK authorities
  • Transfers to countries with adequacy decisions
  • Other approved transfer mechanisms

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. Updates will be posted on this page with a revised “Last Updated” date.

For material changes, we will provide additional notice by:

  • Email notification to registered users
  • Prominent notice on our website homepage

We encourage you to review this Privacy Policy regularly.

15. Your Right to Complain

If you are concerned about how we handle your personal information, please contact us first so we can address your concerns.

You also have the right to lodge a complaint with the UK’s data protection regulator:

Information Commissioner’s Office (ICO)
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Telephone: 0303 123 1113
Website: www.ico.org.uk
Email: casework@ico.org.uk

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Liverpool Commercial Finance
49 Jamaica Street
Liverpool L1 0AH

Email: compliance@liverpoolcommercialfinance.co.uk
General Enquiries: admin@liverpoolcommercialfinance.co.uk

This Privacy Policy applies to all personal information collected and processed by Liverpool Commercial Finance through our website and business activities.