Privacy Policy


This Privacy Statement will help you understand what data we collect from you, why we collect it and what we do with it. This policy explains how we store and use your personal information when you use or interact with our website, or where we otherwise obtain or collect your personal information. This Privacy Statement applies to all services offered by us, except where otherwise noted.

This statement also explains how we protect any personal data we obtain directly or passively from you or which we obtain indirectly from other sources.

We have done our best to present the information in this policy in clear and plain language, and we have structured it in a way to allow you to quickly find information that is most important to you.

We reserve the right to change our privacy statement from time to time. We will update the Privacy Statement page content and last modified data on our website.

Privacy Statement

We are committed to keeping your personal data safe and to ensuring the integrity and security of any personal data we may process.

You should read this privacy notice very carefully as it contains important information on the way in which we will process your personal data, in particular:

  • The personal information we collect about you
  • Our legal bases for processing your personal information
  • What we do with your personal information
  • Who your personal information may be shared with
  • Your rights as a data subject under the Data Protection Regulation

Who we are

Intelligent Financing Limited is a company incorporated and registered in England with company number 07117511. Intelligent Financing Limited is the controller of personal data relating to individuals within its client firms and prospective client firms for the purposes of providing products and services, relationship management, marketing and business development.

What personal data do we collect about you?

We collect personal data about you when you apply to buy our goods and/or services. This data will relate to personal identifiable information (such as name, date of birth), contact information (such as telephone number, address, email), and financial information (salary, bank statements, financial accounts and credit referencing information). We may also process special categories of personal data (sensitive data) such as data about your health or medical conditions. Prior to processing special category data, we will gain your informed and explicit consent.

Our legal basis for processing your personal data

We may rely on a number of legal basis for collecting and further processing your personal data, which are:

  • Contractual Necessity
  • Legal Obligation
  • Legitimate Interest
  • Consent


Your rights as a data subject

As a data subject you can exercise certain rights in relation to the processing of your personal data, under the relevant data protection regulation. These are:

  • The right of access
  • The right to rectification
  • The right to erasure
  • The right to restrict processing
  • The right to object
  • The right to data portability
  • The right to lodge a complaint with the ICO
  • The Right to Understand the Source of data gained indirectly
  • The Right to be advised of any Automated Decision-making

If you want more information about your rights, you can find it here:


How will we use your personal data?

We will only process your data where we have a legal basis to do so. We use data collected to communicate with you and to offer you our products or services. We may use your data to improve or maintain the services we offer to you. We will never share your data with any other third party, other than those stated in this policy, nor use your data for any other purpose, unless we firstly gain your explicit consent to do so.

You have the right to restrict the processing of your personal data. For more information click here. You can choose which promotional communications you wish to receive and how you would like to receive them.

Who we share your data with

We share your data with approved third-party providers that have adequate data protection measures in place that align with the requirements of the data protection regulation, such as:

Third-party provider Legal Basis
Systems/CRM providers Arranging a Contract
Funders Arranging a Contract
Solicitors Arranging a Contract
Credit Reference Agencies Arranging a Contract
Land Registry Arranging a Contract

Credit Reference Agencies (CRAs)

To process your application, we will perform credit referencing and identity checks on you using one or more CRAs. If you are accepted for one of our products, we will also make periodic searches to enable us to manage your account with us. To do this, we will share your personal information with CRAs, and they will give us information about you. This will include:

  • Identity and contact data
  • Information from your credit application
  • Information about your financial situation and financial history
  • Public information (including electoral register)
  • Shared credit details
  • Fraud prevention information

We will use this information to:

  • Assess your creditworthiness and whether you can afford to take the product we are offering
  • Verify the accuracy of the data you have provided to us
  • Prevent criminal activity, fraud and money laundering
  • Manage your account with us
  • Trace and recover debts
  • Ensure any offers provided to you are appropriate to your circumstances

We will continue to share information about you with CRAs while you hold a relationship with us. We will also inform the CRAs when you settle an account or if you fail to repay an account in full or on time. This information may also be supplied to other organisations by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

Retention period

We will only keep personal data for as long as necessary for the purposes for which it was gained and only where we continue to have a legal basis for doing so. We will review the personal data we hold on you in line with our retention policy, to check for accuracy and relevancy and to ensure we continue to have a legal basis for processing. If the personal data is no longer necessary, or where we no longer have the legal basis for processing, we will delete or fully anonymise the data we hold on you, in line with our Data Protection Policy. If your data becomes inaccurate, we will update it accordingly. Otherwise, we will retain your personal data for the following periods:

Firm Name Retention Period
Intelligent Financing Limited

6 years from the formation of the contract, to which you are party

Intelligent Financing Limited

All declined applications – Retention period of 1 year from date at which you are informed of our decision to decline the application

Intelligent Financing Limited

All approved applications that have not progressed to contract – Retention period of 1 year from date at which you are informed of our decision to approve the application

Security and Confidentiality

We are committed to transparency, ensuring that your privacy is protected and that your data is used and retained fairly, transparently and in compliance with the data protection regulation. We will make sure that we have appropriate technical and organisational measures in place to keep your personal data secure and to protect against accidental or unlawful destruction, loss, alteration, disclosure or access. We will provide a level of security appropriate to the risk presented by the nature of the processing we do.

Help keep your personal data accurate and up-to-date

This privacy statement details the standards that Intelligent Financing Limited will apply when processing your personal information. In return, it is important that you help keep your information, accurate, reliable and up to date. Any changes to your personal data, such as a new address can be notified to the subsidiary company that you are dealing with.

Data Champion

Each of our subsidiary companies has a local Data Champion who can be contacted if you have any queries or requests concerning this privacy notice, or your personal information and how we process it. Data Champions can be contacted by post

Data Champion
Intelligent Financing Limited, House 1, The Maltings, East Tyndal Street, Cardiff CF24 5EA
Phone: 029 20 433 922


We will be more than happy to help should you have any complaints about the processing of your personal data. Please contact the subsidiary company you are dealing with, or the Head of Governance and Compliance.

You have the right to lodge a complaint with the Supervisory Authority, the Information Commissioner Officer (ICO), who are the national authority responsible for the protection of personal data. A complaint can be made to the ICO via their website or through their helpline (0303 123 1113).