This Privacy Policy explains what information we collect about you and your business, how we use it, who we may share it with, and the rights you have as a Business Loan customer in the United Kingdom.
Business, technical & permission-based data
Business Information
- Your business name, company registration details and trading address.
- Contact details such as contact person name, email address and phone number.
- Financial details including annual turnover and banking information.
- Any documents submitted as part of your business loan application, including but not limited to financial statements, identification documents, and business records.
Usage Data
- Technical information about the device and browser you use to access our website or platform.
- IP address, login timestamps, and activity history when you interact with our services.
- Information about how you navigate and use our website or portal to help us improve user experience.
Permissions (with your consent)
Where applicable, and only with your explicit consent, we may request access to:
- Camera – for identity and KYC verification.
- Microphone – for audio or video verification where required.
- Location – for security, fraud prevention and regulatory compliance checks.
- Documents / Files – for financial and business verification (for example, uploading statements or proof of address).
We only request permissions that are necessary to provide our services and will clearly explain why access is required.
Why we collect and process your data
We collect and use your information for the following purposes:
- Loan assessment – to assess your eligibility for a business loan, verify your business details and understand your financial position.
- Processing loan applications – to process your application, provide business loan options and coordinate with our lending partners.
- Regulatory compliance – to meet legal and regulatory requirements, including anti-money laundering (AML), know-your-customer (KYC) and fraud prevention obligations.
- Security and fraud prevention – to protect your account and our services against unauthorised access, misuse, and fraudulent activity.
- Customer communication – to provide important updates, notifications and communications regarding your loan applications, status updates, repayments, and service changes.
- Service improvement – to analyse how our website and platform are used so we can improve performance, usability and the overall experience for Business Loan customers.
Who we may share your information with
We do not sell your personal or business information. However, we may share your data with carefully selected and authorised third parties where necessary:
I. Lending Partners
- Banks, financial institutions, and other authorised lenders who help provide business loan options to you.
- These partners use your information solely to assess your eligibility, structure loan products and manage lending relationships.
II. Regulatory & Supervisory Authorities
- Government bodies, regulators, auditors, law enforcement agencies or other authorities, where required by law or regulation.
- This may include sharing information in connection with anti-money laundering checks, financial crime prevention, or legal investigations.
III. Service Providers
- Trusted third-party service providers that support our operations, such as payment processors, identity and KYC verification providers, credit reference agencies, IT hosting and secure data storage partners.
- These providers are contractually required to handle your information securely and in accordance with data-protection laws, and may only use your data for the specific services they provide to us.
All third parties are required to follow strict data protection and confidentiality standards.
How we protect your information
We use industry-standard technical and organisational measures to protect your information, including:
- Encrypted systems and secure communication channels where appropriate.
- Secure servers, network protections and access controls to safeguard business and personal data.
- Role-based access and internal policies to ensure only authorised personnel can view or process your information.
- Regular monitoring and reviews to help detect and respond to potential security threats.
Your responsibilities
- You are responsible for keeping your login credentials, passwords, and account details confidential.
- Please notify us promptly if you believe your account has been compromised or accessed without your permission.
Your data protection rights
As a KREDZO FUND Business Loan customer, you have certain rights in relation to the information we hold about you and your business. Subject to applicable data-protection laws, you may have the right to:
Some of these rights may be subject to legal and contractual obligations (for example, where we are required to retain certain records for regulatory or reporting purposes).
You may exercise your rights at any time by contacting us using the details provided in the “Contact Information” section below.
Changes to how we handle your information
We may update this Privacy Policy from time to time to reflect changes in legal requirements, regulatory guidance, or improvements to our services and processes.
- Any updates will be posted on this page and, where appropriate, communicated to you through our platform or by email.
- The “Last updated” date at the top of this page will indicate when the policy was most recently revised.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect and use your information.
How to contact us about privacy
If you have any questions, concerns or requests relating to this Privacy Policy or how your information is handled, please contact us:
When contacting us, please do not include sensitive financial information in email or other non-secure channels.