Privacy notice

Cashbook Finance Limited is responsible for the personal information described in this notice. This page explains how we use information when you visit this website, contact us, request funding or submit documents through the client portal.

Information we collect

We may collect contact details, business and ownership information, financial information, identity documents, proof of address, invoices, property information, correspondence and technical information generated when you use the website.

Purposes and lawful bases

• Enquiries and pre-contract discussions – steps requested before entering a contract and our legitimate interests in responding to business enquiries.
• Applications, underwriting and facility administration – steps before contract, performance of a contract, legitimate interests and legal obligations.
• Identity, anti-money-laundering, credit and fraud checks – legal obligations and legitimate interests in preventing fraud and assessing risk.
• Service communications, complaints, record-keeping and legal claims – contract, legal obligations and legitimate interests.
• Marketing communications – consent where required, or legitimate interests where the law permits; you can opt out at any time.

Credit-reference and identity checks

Where an application progresses, we may make enquiries with credit-reference and fraud-prevention agencies. Other organisations may see a record of those searches. We will explain the checks that apply before they are carried out.

Who we may share information with

Information may be shared where necessary with credit-reference and fraud-prevention agencies, funding and banking partners, professional advisers, technology and document-processing providers, insurers, regulators, law-enforcement bodies and other parties where disclosure is required or permitted by law.

International processing

Some providers may process information outside the United Kingdom. Where a restricted transfer occurs, we use an applicable UK adequacy regulation or appropriate contractual safeguards, such as the UK International Data Transfer Agreement or the UK Addendum, together with any required transfer risk assessment.

How long we keep information

We apply documented retention periods and delete or anonymise information when it is no longer needed. Typical periods are:

• Enquiries that do not proceed: normally up to 24 months after the last meaningful contact.
• Application, facility, transaction and accounting records: normally six years after the relationship or transaction ends, unless a longer period is required for a legal claim or regulatory obligation.
• Identity and anti-money-laundering records: normally five years after the business relationship ends, subject to applicable law.
• Complaints and related correspondence: normally six years after closure.
• Security records: only for as long as necessary to investigate and protect against misuse.

Your rights

Depending on the circumstances, you may have rights to access, correct, erase or restrict the use of your information, object to certain processing, and receive information in a portable format. You may also complain to the Information Commissioner’s Office.

Website analytics

We use Plausible Analytics to understand website use in aggregate. It is configured without analytics cookies or cross-site advertising identifiers. We receive aggregated statistics such as page views and referral sources rather than visitor profiles.

Cookies and website data

Our cookie policy explains the technologies used on this website and how to manage your choices.

Privacy governance

Privacy governance is overseen by the directors of Cashbook Finance Limited. Requests and concerns are handled through info@cashbookfinance.co.uk; use “Data protection” in the subject line so the request is routed correctly.

Contact us

For privacy questions or requests, email info@cashbookfinance.co.uk, call 020 3239 0699, or write to Cashbook Finance Limited, Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ.