Smart Rate Finance logoSmart Rate Finance

Privacy Policy

Last updated: February 2026

1. Who We Are

Smart Rate Finance Ltd (Company Number: 16800413) is the data controller for personal information collected through this website and our services. We are registered with the ICO under registration number ZC053959.

2. Information We Collect

We may collect the following information from businesses and their directors:

  • Business name, registration number, and trading details
  • Director names, dates of birth, and contact information
  • Financial information including turnover, bank statements, and trading history
  • Website usage data (cookies, IP addresses, browser type)

3. How We Use Your Information

We use the information collected to:

  • Assess eligibility for finance products
  • Prepare and submit applications to third-party lenders
  • Communicate with you about your application
  • Comply with legal and regulatory obligations
  • Improve our website and services

4. Legal Basis for Processing

We process personal data on the basis of legitimate interests (facilitating finance introductions), consent (where explicitly provided), and legal obligation (regulatory compliance).

5. Data Sharing

We may share your information with third-party lenders for the purpose of processing your finance application. We do not sell personal data to third parties.

6. Data Retention

We retain personal data for a period of 6 years from the date of last interaction, in accordance with UK regulatory requirements. Data may be deleted earlier upon request where there is no legal obligation to retain it.

7. Your Rights

Under UK GDPR, you have the right to:

  • Access the personal data we hold about you
  • Request correction of inaccurate data
  • Request deletion of your data (where applicable)
  • Object to processing of your data
  • Request data portability

8. Cookies

This website uses essential cookies to ensure proper functionality. We do not use third-party tracking cookies. By using this website, you consent to the use of essential cookies.

9. Contact

For data protection enquiries, contact us at sagar@smartratefund.com.