Privacy Policy

1. Who We Are

Direct Commercial Finance Ltd ("DCF", "we", "us", "our") is a commercial finance brokerage.

• Registered address: No.9 Magazine B, Ordnance Yard, Upnor Road, Lower Upnor, Rochester, Kent, ME2 4UY
• Companies House number: 07842552
• Website: dcfasset.com

DCF arranges non-regulated commercial and asset finance for businesses. We are not authorised or regulated by the Financial Conduct Authority.

If you have any questions about this policy or how we handle your personal information, you can contact us at [email protected] or 01634 715 690.

2. What Information We Collect

Depending on how you interact with us, we may collect:

Contact and enquiry information
Name, company name, email address, phone number, and any details you provide when contacting us or requesting a quote.

Proposal and finance application information
When you (or a business you represent) submit a Proposal Form or similar application to us, we may collect:

• Business details (company name, registration number, VAT number, trading history, nature of business)
• Contact details of directors/partners (name, address, previous address, date of birth)
• Financial information (bank details, overdraft facilities, invoice discounting/factoring arrangements, existing hire purchase or leasing agreements)
• Details of the asset, equipment, or facility being financed
• Supplier information relevant to the finance request

Publicly available company information
We may look up and record publicly available information about your business from Companies House (e.g. company status, incorporation date, registered address, SIC code) to support your application.

Technical information
Standard website usage data such as IP address, browser type, and pages visited, typically collected via cookies (see Section 7).

3. How We Use Your Information

We use your information to:

• Assess and process finance applications and proposals
• Communicate with you about your enquiry or application
• Package and present applications to relevant lenders, funders, or credit providers on your behalf
• Carry out standard credit and identity checks where relevant to a finance application
• Meet our general legal and regulatory obligations as a UK business
• Improve our services and website

4. Our Legal Basis for Processing

We process personal data on the following legal bases under UK GDPR:

• Contract — where processing is necessary to take steps towards, or perform, a finance arrangement you've requested
• Legitimate interests — where processing helps us run and improve our business, respond to enquiries, and communicate with clients and partners, provided this does not override your rights
• Legal obligation — where we are required to process or retain data to comply with applicable law (e.g. company and tax record-keeping requirements)
• Consent — where you have given specific consent, for example to receive marketing communications (which you may withdraw at any time)

5. Who We Share Your Information With

To arrange finance on your behalf, we may share relevant information with:

• Lenders, funders, and finance providers we approach as part of packaging your application
• Credit reference agencies, where relevant to assessing an application
• Suppliers named in a finance request, where necessary to complete a transaction
• Professional advisers (e.g. accountants, solicitors) where relevant and appropriate
• IT and service providers who support our website and business operations, under appropriate confidentiality terms

We do not sell your personal information to third parties.

6. How Long We Keep Your Information

We retain personal information for as long as necessary to fulfil the purposes described in this policy, including any applicable legal, accounting, or record-keeping requirements. Where information is no longer needed, we securely delete or anonymise it.

7. Cookies

Our website may use cookies to help it function correctly and to understand how visitors use the site. You can control or disable cookies through your browser settings. Disabling cookies may affect how parts of the website work.

8. Data Security

We take appropriate technical and organisational measures to protect personal information against unauthorised access, loss, or misuse, including restricting access to sensitive information (such as data submitted via our Proposal Form) to authorised staff only.

9. Your Rights

Under UK GDPR, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, where applicable
• Object to or restrict certain processing
• Request a copy of your information in a portable format
• Withdraw consent at any time, where processing is based on consent

To exercise any of these rights, contact us at [email protected].

You also have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk if you believe we have not handled your information appropriately.

10. Changes to This Policy

We may update this policy from time to time. The "last updated" date at the top of this page reflects the most recent revision.

11. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, please contact:

Direct Commercial Finance Ltd
No.9 Magazine B, Ordnance Yard, Upnor Road, Lower Upnor, Rochester, Kent, ME2 4UY
[email protected] | 01634 715 690