Privacy Policy
Last updated: December 2025
At a Glance
This Privacy Policy explains how Alpha Funding Finance Limited ("we", "us", "our", "Alpha Funding") collects, uses, stores, and protects your personal data when you use our credit broking services and website.
We are committed to protecting your privacy in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Data (Use and Access) Act 2025.
1. Who We Are
Alpha Funding Finance Limited is the data controller for personal data collected through our Service.
- Company Name: Alpha Funding Limited
- Company Number: 13425543
- Registered Address: Commerce House Campbeltown Road, Tranmere, Wirral, United Kingdom, CH41 9HP
- Data Protection Contact: contact@alpha-funding.co.uk
2. Data We Collect
We collect and process the following categories of personal data:
Identity Data
Full name, date of birth, gender, title, company role, director/shareholder status
Contact Data
Email address, phone numbers, business address, residential address (for directors/guarantors)
Business Data
Company name, registration number, trading address, industry sector, years trading, number of employees, business structure
Financial Data
Annual turnover, monthly revenue, profit/loss, bank statements, existing debts, funding requirements, credit history
Technical Data
IP address, browser type and version, device information, operating system, time zone, referring URLs, pages visited
Usage Data
How you use our website and services, pages viewed, links clicked, time spent on pages, search queries
Marketing & Communications Data
Your preferences for receiving marketing, communication preferences, consent records
Special Category Data: We do not routinely collect special category data (e.g., health, ethnicity, religion). If this becomes necessary, we will obtain your explicit consent first.
3. How We Collect Your Data
We obtain personal data through:
- Direct interactions:When you complete our application forms, contact us, or correspond with us
- Automated technologies:Cookies and similar technologies when you browse our website
- Third parties:Business data providers, lead generation partners, and other commercial data sources
- Publicly available sources:Companies House, business directories, public registers, and submitted business documentation
4. Lawful Basis for Processing
Under UK GDPR, we must have a valid legal basis to process your personal data. We rely on the following:
| Lawful Basis | When We Use It |
|---|---|
| Contract | To provide our credit broking service, process your application, and introduce you to lenders |
| Legal Obligation | To comply with legal and regulatory obligations applicable to our business activities, including anti-money laundering and tax requirements. |
| Legitimate Interests | To improve our services, prevent fraud, conduct analytics, and ensure security |
| Consent | For marketing communications, non-essential cookies, and sharing identifiable data with specific lenders |
Where we rely on legitimate interests, we have conducted a balancing test to ensure your rights and freedoms are not overridden. You can request details of this assessment by contacting us.
5. How We Use Your Data
We use your personal data to:
- Assess your eligibility for business finance products
- Match your profile with suitable lenders from our panel
- Facilitate introductions to finance providers
- Process and manage your finance application
- Communicate with you about your application and our services
- Send marketing communications (where you have consented)
- Improve our website, services, and customer experience
- Analyse usage patterns and generate anonymised statistics
- Respond to your enquiries and provide customer support
- Enforce our terms and conditions
- Comply with legal and regulatory requirements
Automated Decision-Making: We may use automated systems to provide initial eligibility assessments. These do not produce legally binding decisions — all final lending decisions are made by human underwriters at finance providers.
6. Who We Share Data With
We may share your personal data with the following categories of recipients:
Finance Providers
Lenders and finance providers from our panel, only with your consent for identifiable data. Initial matching is done with anonymised data.
Credit Reference Agencies
Experian, Equifax, and TransUnion for credit checks and identity verification. These agencies may share your data with other organisations.
Service Providers
IT providers, cloud hosting, analytics services, and other third parties who support our operations (acting as data processors under contract).
Professional Advisors
Lawyers, accountants, auditors, and consultants who provide professional services to us.
We will never: Sell your personal data to third parties for marketing purposes, or share identifiable data with lenders without your explicit consent.
7. Data Retention
We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected and to comply with legal obligations.
| Data Type | Retention Period | Reason |
|---|---|---|
| Application data | 6 years after relationship ends | Applicable regulatory requirements |
| Finance Platforms data | 5 years from creation | Finance Platforms Regulations 2015 |
| Marketing consents | Until withdrawn + 2 years | Evidence of consent |
| Website analytics | 26 months | Service improvement |
| Complaints data | 6 years from resolution | Relevant dispute resolution requirements |
After the retention period, data is securely deleted or anonymised. Anonymised data may be retained indefinitely for statistical purposes.
8. Your Rights
Under UK GDPR, you have the following rights regarding your personal data:
Right of Access
Request a copy of your personal data (Subject Access Request)
Right to Rectification
Request correction of inaccurate or incomplete data
Right to Erasure
Request deletion of your data ("right to be forgotten")
Right to Restrict Processing
Limit how we use your data in certain circumstances
Right to Data Portability
Receive your data in a structured, machine-readable format
Right to Object
Object to processing based on legitimate interests or direct marketing
Right to Withdraw Consent
Withdraw consent at any time where processing is based on consent
Rights Related to Automated Decisions
Challenge decisions made solely by automated means
How to Exercise Your Rights
To exercise any of these rights, contact us at:
- Email: privacy@alpha-funding.co.uk
- Post: Data Protection Officer, Alpha Funding Finance Limited, [Address]
We will respond within 30 days. We may need to verify your identity before processing your request. There is no fee for most requests.
Right to Complain: If you are dissatisfied with how we handle your data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk/concerns or by calling 0303 123 1113.
9. International Transfers
Your data is primarily processed within the UK and EEA. Where transfers occur outside these regions, safeguards aligned with applicable data protection standards are in place. International service partners involved in processing operate within their respective regulatory frameworks.
You can request details of the safeguards in place for any specific transfer by contacting us.
11. Data Security
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or misuse:
- Encryption of data in transit (TLS/SSL) and at rest
- Access controls and authentication mechanisms
- Regular security assessments and penetration testing
- Staff training on data protection and security
- Secure data centres with physical access controls
- Incident response and breach notification procedures
While we take all reasonable precautions, no transmission over the internet is completely secure. We cannot guarantee absolute security but will notify you and the ICO of any breach as required by law.
12. Children's Data
Our services are intended for businesses and individuals aged 18 and over. We do not knowingly collect personal data from children under 18. If you believe we have collected data from a minor, please contact us immediately and we will delete it.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or regulatory guidance. Material changes will be notified via email or prominently on our website. The "Last updated" date at the top indicates when the policy was last revised. We encourage you to review this policy periodically.
14. Contact & Complaints
General Enquiries
- Email: contact@alpha-funding.co.uk
- Phone: 020 7078 7446
- Address: Alpha Funding Limited, Commerce House Campbeltown Road, Tranmere, Wirral, United Kingdom, CH41 9HP
Data Protection Enquiries
- Email: contact@alpha-funding.co.uk
- Subject Access Requests: contact@alpha-funding.co.uk
- Response time: Within 30 days
Complaints Process
If you are unhappy with how we have handled your data:
- Contact us first at privacy@alpha-funding.co.uk — we aim to resolve complaints within 30 days
- If unresolved, you can escalate to the Information Commissioner's Office (ICO)
ICO Contact:
Website: ico.org.uk/concerns
Phone: 0303 123 1113
Address: Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Financial Services Complaints
For complaints about our credit broking services (not data protection):
- Email: complaints@alpha-funding.co.uk
- Escalation: Financial Ombudsman Service
- FOS Phone: 0800 023 4567
- FOS Website: financial-ombudsman.org.uk