Terms of Service

2. Eligibility & Your Responsibilities

2.1 Eligibility

Our Service is available to UK-registered businesses and their authorised representatives. You must be at least 18 years old and authorised to act on behalf of the business applying for finance.

2.2 Your Responsibilities

By using our Service, you agree to:

• Provide complete, accurate, and up-to-date information
• Notify us promptly of any changes to your details
• Comply with all applicable UK laws and regulations
• Obtain consent from any individuals whose data you provide to us (e.g., directors, guarantors)
• Use the Service only for lawful business purposes
• Not use the Service in any way that damages our reputation, systems, or security
• Not use automated scripts, bots, or scraping tools to interact with the Service
• Not impersonate any person or entity or misrepresent your affiliation

You agree to indemnify and hold Alpha Funding, our staff, officers, and partners harmless from any loss, damage, or claim arising from your breach of these Terms.

3. Credit Checks & Identity Verification

You agree that our lender panel may conduct identity verification and credit checks on your business and its directors, owners, or guarantors. These checks may include:

• Soft credit searches: Initial eligibility checks that do not affect your credit score
• Hard credit searches: Full credit checks conducted by lenders upon formal application, which may impact your credit score

Credit reference agencies may link records of financially associated individuals (e.g., joint account holders). These links remain until you or your associate requests a disassociation directly with the credit reference agency.

4. Data Protection (UK GDPR Compliance)

We are committed to protecting your personal data in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and the Data (Use and Access) Act 2025. This section summarises our data practices. For full details, please read our Privacy Policy.

4.1 Data Controller

Alpha Funding Finance Limited is the data controller for personal data collected through our Service.

4.2 Lawful Basis for Processing

We process your data under the following lawful bases:

• Contract: To provide our Service and fulfil our obligations to you
• Legal obligation: To comply with Regulations 2015
• Legitimate interests: To improve our Service, prevent fraud, and conduct business analytics
• Consent: For marketing communications (where applicable)

4.3 Data We Collect

• Business information: Company name, registration number, trading address, financial data
• Personal information: Names, contact details, dates of birth of directors and guarantors
• Financial information: Bank statements, credit history, turnover data
• Technical data: IP addresses, browser type, device information, cookies

4.4 Who We Share Data With

• Finance providers on our lender panel (only with your consent for identifiable data)
• Fraud prevention services
• Third-party service providers who assist in delivering our Service
• Regulatory bodies where required by law (e.g., HMRC)

We will never sell your personal data to third parties for marketing purposes.

4.5 Data Retention

We retain your data for the period necessary to fulfil the purposes outlined in these Terms and to comply with legal obligations. In accordance with The Small and Medium Sized Business (Finance Platforms) Regulations 2015, we retain relevant records for a minimum of five years from creation.

4.6 Your Data Rights

Under UK GDPR, you have the following rights:

• Right of access: Request a copy of your personal data (Subject Access Request)
• Right to rectification: Correct inaccurate or incomplete data
• Right to erasure: Request deletion of your data (subject to legal retention requirements)
• 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

To exercise these rights, contact us at contact@alpha-funding.co.uk. We will respond within 30 days. If you are dissatisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) atico.org.uk.

4.7 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.

4.8 Cookies

We use cookies and similar technologies to improve your experience. Essential cookies are required for the Service to function. Non-essential cookies (analytics, marketing) require your explicit consent. You can manage your preferences via our cookie banner or browser settings.

5. Commission & Fees

Our Service is free for you to use. We may receive commission from finance providers for successful introductions.

In accordance with applicable regulatory requirements, we will disclose commission arrangements upon request .

6. Limitations of Liability

To the fullest extent permitted by law:

• We do not guarantee that our Service will result in successful funding
• We are not liable for decisions made by finance providers
• We are not liable for any indirect, consequential, or special damages
• Our liability is limited to direct losses arising from our negligence or breach of contract
• Information provided through our Service is for general guidance and should not be relied upon as professional advice
• We are not responsible for the content, accuracy, or availability of third-party websites linked from our Service

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be lawfully excluded.

We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

7. Intellectual Property

All intellectual property rights in the Service, including copyright, trademarks, database rights, domain names, design rights, and patents, are owned by Alpha Funding or our licensors.

You may not:

• Copy, reproduce, or distribute any content from the Service without permission
• Frame, mirror, or embed our content on other websites
• Use automated tools to scrape or extract data from the Service
• Create derivative works based on our content
• Use our trademarks or branding without written consent

You may link to our homepage for non-commercial purposes, provided you do not imply endorsement or affiliation without our consent.

8. Client Money

Alpha Funding Finance Limited does not hold, handle, or manage client money in any form. All financial transactions are conducted directly between you and the finance provider.

9. Complaints

We take complaints seriously and aim to resolve issues promptly and fairly.

How to Complain

Email contact@alpha-funding.co.uk with brief details of your complaint and any reference numbers.

Our Process

• Acknowledgement: Within 1 Business Week of receipt
• Initial response: Within 1 Business Week
• Resolution target: Within 4 weeks
• Final response: Within 8 weeks if unresolved

Financial Ombudsman Service

If we cannot resolve your complaint within 8 weeks, or you are dissatisfied with our final response, you may be entitled to refer your complaint to the Financial Ombudsman Service:

• Phone: 0800 023 4567
• Website: www.financial-ombudsman.org.uk

10. General Terms

10.1 Changes to These Terms

We may update these Terms from time to time. Material changes will be notified via email or prominently on our website. Continued use of the Service after changes constitutes acceptance of the updated Terms.

10.2 Communications

We may send notices to the email address you provided when registering. You agree to receive communications electronically. It is your responsibility to keep your contact details up to date.

10.3 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.

10.4 No Waiver

Failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

10.5 Assignment

We may assign or transfer these Terms and our rights and obligations to a third party. You may not assign your rights under these Terms without our prior written consent.

10.6 Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Both parties agree to submit to the exclusive jurisdiction of the courts of England and Wales for any disputes arising from these Terms.

10.7 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Alpha Funding regarding use of the Service.