1. About Us
We are Swoop Finance Limited, the owner and operator of the website www.swoopfunding.com. We
are a business finance and cost-savings matching platform for UK businesses.
We are authorized and regulated by the Financial Conduct Authority (FCA) as both an Account
Information Services Provider (reference number 833145) and a credit broker (reference number
936513). We are also registered with the Information Commissioner’s Office (ICO) under reference
number ZA600162.
2. How to Contact Us
Swoop Finance Limited is the data controller for the personal information processed through our
website and business operations. This means we are responsible for your data.
If you have any questions about this privacy policy or how we handle your data, please contact our Data
Protection Officer (DPO) using the details below:
• Email: privacy@swoopfunding.com
• Phone: 0203 511 3044
• Address: 120 Regent St. London, W1B 5FE
3. Changes to This Policy
We may update this policy from time to time. Any changes will be posted on this page, and the updated
version will be effective immediately.
4. The Information We Collect
4.1. What We Collect
To provide our services, we may collect various types of personal information, including:
• Identity Data: Your name, date, and place of birth.
• Contact Data: Your home address, email address, and phone number.
• Behavioral and Technical Data: Information on how you browse our website, the devices you
use, and your online activity.
• Special Category Data: In some cases, to help with your business requirements (e.g., for
specific loan applications), we may need to collect more sensitive information such as details
about your health or criminal convictions/offenses. We will only ever collect this type of data if
the law allows us to.
4.2. How We Collect It
We collect information from you in several ways:
• Directly from you: When you register on our website, fill out forms, contact us by phone, post,
email, or via social media.
• Through your interactions: When you provide feedback, take part in surveys, or use our mobile
apps.
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• From third parties: We may also receive information about you from our approved finance and
service providers, other third-party data providers, or from publicly available sources.
5. How We Use Your Information
We use your personal information for specific purposes based on a legal ground (or 'lawful basis').
Here’s a breakdown of how we use your data and why:
How We Use Your Information Our Legal Basis Why We Use It This Way
To provide our services: We
share your information with our
approved finance and service
providers to match you with
suitable options.
Necessary for a contract: This is
essential for us to deliver our
services to you as outlined in our
terms and conditions.
Without processing your
information in this way, we would
not be able to provide our
matching services.
To improve your experience:
We share your data with third
parties to get more information
about you, allowing us to
personalize our services.
Legitimate interest: It is in our
legitimate interest to make your
experience on our platform more
user-friendly and efficient.
This helps us provide a better
service that meets your specific
needs.
For marketing: We may send
you newsletters and updates
about our services or trusted
third-party services.
With your consent: We will only
send you marketing
communications if you have
explicitly opted-in to receive
them. You can withdraw your
consent at any time.
We create marketing materials
that we believe are relevant and
useful to our business customers.
For service communications:
We send you emails about your
account, such as password
resets or updates on your
finance applications.
Necessary for a contract: This is
essential to provide our services
and support your business in line
with our terms and conditions.
These communications are
necessary for us to deliver the
services you've requested and
keep you informed.
To detect and prevent
financial crime: We use your
information to help prevent
fraud and other financial crimes.
Legitimate interest: It is in our
legitimate interest to protect our
business and the wider
community from financial crime,
which negatively impacts
everyone.
This protects you, our partners,
and us from fraud and helps us
maintain a secure platform.
For internal quality control:
We use your data to
troubleshoot issues, respond to
complaints, and improve our
services.
Legitimate interest: It is in our
legitimate interest to provide an
excellent quality of service to our
customers.
We regularly monitor and improve
our interactions to ensure we can
meet your needs and continue to
grow our business. This also helps
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us resolve any queries or
complaints.
To comply with legal
obligations: We process your
data as required by law and
regulatory bodies.
Necessary to comply with legal
obligations: We operate in a
highly regulated environment
and must comply with various
laws, rules, and requirements.
This is a legal requirement to
ensure we operate in a compliant
manner.
6. Sharing Your Information with Third Parties
6.1. Third-Party Partners
We may share your information with or receive information from:
• Other companies in our corporate group and their professional advisers.
• Approved finance and service providers.
• Regulatory bodies like the FCA and ICO.
• Law enforcement and fraud prevention agencies.
• Third parties we may partner with for business acquisitions or mergers.
• Our third-party suppliers (e.g., IT software providers, marketing agencies).
We have strict agreements in place to ensure any data shared is used only for the purposes of providing
you with our services or to comply with the law.
6.2. "Click-Through" Partners
On our website, you may have the option to "click-through" to a partner's site.
• We will always make it clear when you are leaving our site.
• Any information you provide to a partner after clicking through will be governed by their own
privacy policy. We strongly recommend that you read their policy before using their services.
7. Marketing and Service Communications
We categorize our communications into two types:
• Direct Marketing Communications: These are promotional communications like newsletters or
updates about new services. We will only send these if you have given us your explicit consent.
• Service Communications: These are essential for the operation of your account and our
services. They include things like password reset emails or communications about the status of
your finance application. We must send these to you to fulfill our obligations to you.
8. International Data Transfers
We only send personal information to providers outside the European Economic Area (EEA) if those
providers are required to protect the information with the same high standards they would within the
EEA. This is done through a formal agreement with data protection clauses approved by the European
Commission.
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9. How Long We Keep Your Information
We will retain your personal information for up to six years after you last use our website. We may keep
it longer if necessary to:
• Answer any questions or resolve complaints.
• Comply with legal, accounting, or tax requirements.
• Establish, exercise, or defend legal claims.
10. Data Security
We take the security of your personal information very seriously. We have implemented appropriate
technical and organizational measures to protect your data from being accidentally lost, used,
accessed, or altered without authorization.
11. Your Legal Rights
You have several important rights regarding your personal information. You can exercise these rights at
any time by contacting our DPO.
• Right of Access: You have the right to request a copy of the personal information we hold
about you.
• Right to Rectification: If any information we hold about you is inaccurate or incomplete, you
have the right to have it corrected.
• Right to Erasure ('Right to be Forgotten'): You can ask us to delete your personal information.
We must comply unless we have a legal obligation to keep it (e.g., for legal claims or regulatory
purposes).
• Right to Restriction of Processing: You can ask us to temporarily stop processing your data if
you believe it is inaccurate, unlawful, or if we no longer need it but you require it for legal
claims.
• Right to Data Portability: You can request that we provide your personal information to you or
a third party in a structured, machine-readable format.
• Right to Object: You can object to us processing your personal information for direct
marketing purposes or if we are relying on a legitimate interest as our legal basis.
• Right to Withdraw Consent: If we are processing your data based on your consent, you can
withdraw that consent at any time.
12. Complaints and Contact
If you have a complaint about how we have handled your personal information, please contact us first
so we can try to resolve it.
• Email: complaints@swoopfunding.com
You also have the right to file a complaint with the Information Commissioner’s Office (ICO) at any
time.
• ICO Helpline: 0303 123 1113
Copyright © 2025 Fresh Business Finance - All Rights Reserved. Fresh Business Finance Limited, company number 16542313, registered in England and Wales.
Fresh Business Finance Limited operates as an Appointed Representative of Swoop Finance Limited (FRN: 936513), who is authorised and regulated by the Financial Conduct Authority as a credit broker. Swoop Finance Limited is also registered with the Information Commissioner's Office (ICO reference number: ZA600162). We are a credit broker, not a lender, and offer credit from a limited panel of lenders.
Fresh Business Finance Limited aims to provide our customers with the best possible service. However, if you would like to make a complaint, please click the link to our Complaints Procedure for more information on how to do so.