Privacy Statement

PRIVACY POLICY
Pebble Commercial Finance Ltd
Last Updated: 22nd November 2026

1. Introduction

Pebble Commercial Finance Ltd (“Pebble”, “we”, “us”, “our”) is committed to protecting and respecting your privacy.

This Privacy Policy explains how we collect, use, process and protect your personal data in accordance with:

• UK General Data Protection Regulation (UK GDPR)

• Data Protection Act 2018

• Privacy and Electronic Communications Regulations (PECR)

• National Association of Commercial Finance Brokers (NACFB) Code of Practice

Pebble Commercial Finance Ltd is registered in England and Wales under company number 15796896.

Registered Office:
Station Business Centre
1–5 Victoria Street
Chadderton
Oldham
OL9 0HH

ICO Registration Number: ZB715714
Email: [email protected]

For the purposes of data protection law, Pebble Commercial Finance Ltd is the Data Controller of your personal data.

2. The Information We Collect

We may collect and process the following categories of personal data:

Identity Data

• Full name

• Date of birth

• National Insurance number

• Passport or driving licence details

• Proof of address

Contact Data

• Business address

• Residential address

• Email address

• Telephone numbers

Financial Data

• Bank statements

• Management accounts and filed accounts

• Tax returns

• Details of assets and liabilities

• Credit history

Business Information

• Company registration details

• Director and shareholder information

• Trading history

• Business plans and financial projections

Technical Data

• IP address

• Website usage data

• Cookies and analytics information

We do not routinely collect special category data (such as health information). If this becomes necessary, we will obtain your explicit consent before processing such information.

3. How We Collect Your Data

We collect personal data:

• Directly from you via forms, telephone calls, email correspondence and website enquiries

• From credit reference agencies

• From fraud prevention agencies

• From Companies House and publicly available sources

• From lenders, funders and professional advisers involved in your transaction

4. How We Use Your Data

To Provide Brokerage Services

As a commercial finance broker, we:

• Assess your eligibility for finance

• Introduce you to suitable lenders or funders

• Submit finance applications on your behalf

• Manage and administer finance arrangements

Lawful basis: Performance of a contract and Legitimate interests.

Credit, Identity and Fraud Checks

We may:

• Conduct credit searches

• Verify your identity

• Carry out Anti-Money Laundering (AML) checks

• Share information with credit reference and fraud prevention agencies

Credit searches may be recorded and could affect your credit profile.

Lawful basis: Legal obligation and Legitimate interests.

Compliance with Legal and Regulatory Requirements

We process personal data to comply with:

• Anti-Money Laundering Regulations

• Counter-terrorist financing legislation

• NACFB Code of Practice

• Other applicable UK laws

Lawful basis: Legal obligation.

Marketing Communications

We may contact you regarding relevant commercial finance products and services via email, telephone, SMS or post.

You may opt out at any time by emailing [email protected] or by using the unsubscribe link in marketing emails.

Lawful basis: Legitimate interests or Consent (where required under PECR).

5. Commission Disclosure

Pebble Commercial Finance Ltd is a commercial finance broker and not a lender. We may receive commission from lenders or funders for introducing business to them. The commission received may vary depending on the lender, product type and terms of the agreement.

Further details regarding commission are available upon request.

6. Who We Share Your Data With

We may share your personal data with:

• Banks, lenders and funders

• Credit reference agencies

• Fraud prevention agencies

• Professional advisers such as accountants and solicitors

• IT and software providers

• Regulatory bodies and law enforcement agencies where legally required

We ensure that third parties process your data securely and in accordance with the law.

7. International Transfers

We do not routinely transfer your personal data outside the UK.

If a transfer outside the UK becomes necessary, we will ensure appropriate safeguards are in place, such as UK adequacy regulations or Standard Contractual Clauses.

8. Data Security

We have implemented appropriate technical and organisational measures to protect your personal data, including:

• Secure systems and encryption

• Restricted staff access

• Confidentiality obligations

• Secure document storage

• Regular security reviews

9. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including:

• During the period of our relationship with you

• For a minimum of six years following completion of a finance arrangement

• Longer where required for legal or regulatory purposes

10. Your Rights Under UK GDPR

You have the right to:

• Access your personal data

• Request correction of inaccurate or incomplete data

• Request erasure of your data (where applicable)

• Request restriction of processing

• Object to processing based on legitimate interests

• Request transfer of your data (data portability)

• Withdraw consent at any time (where processing is based on consent)

To exercise any of these rights, please contact:
[email protected]

11. Complaints

If you have concerns about how we handle your personal data, please contact us in the first instance.

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO):

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Website: www.ico.org.uk

12. Cookies

Our website uses cookies to ensure functionality, analyse traffic and improve user experience. You can manage cookies through your browser settings.

A separate Cookie Policy is available on our website.

13. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website.