Privacy Policy
Last updated: June 2026
1st‑Loan (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal data in a fair, transparent and secure way. This Privacy Policy explains what personal data we collect, how we use it, who we share it with, and your rights under UK GDPR.
1. Who we are
1st‑Loan is a credit broker, not a lender. We introduce customers to lenders and finance providers who may be able to offer commercial finance products.
Data Controller:
1st‑Loan
Email: info@1st-loan.co.uk
Website: https://1st-loan.co.uk
2. What personal data we collect
- Name and contact details
- Business information
- Details of finance requirements
- Information submitted via our website forms
- IP address and basic device information
- Cookies essential for website functionality
3. How we use your personal data
- Respond to enquiries
- Introduce you to lenders and finance providers
- Assess your eligibility for finance products
- Maintain accurate records
- Comply with legal and regulatory obligations
- Improve our website and services
4. Our lawful bases for processing
- Legitimate interests – responding to enquiries, assessing finance needs
- Contract – taking steps at your request before entering a finance agreement
- Legal obligation – FCA, HMRC and UK GDPR requirements
- Consent – where you explicitly agree (for example, optional marketing)
5. Sharing your data
- Lenders and finance providers
- Professional advisers
- IT and website service providers
- Regulators (for example, FCA, ICO) where legally required
6. International transfers
We do not routinely transfer your data outside the UK. If this becomes necessary, we will ensure appropriate safeguards are in place.
7. Data retention
- Enquiry data: up to 12 months
- Finance application data: up to 6 years
- Regulatory records: up to 6 years
8. Your rights
- Access your data
- Correct inaccurate data
- Request deletion
- Restrict processing
- Object to processing
- Data portability
- Withdraw consent (where applicable)
- Complain to the ICO
9. Cookies
We only use essential cookies required for the website to function. If this changes, we will update this policy and request consent where required.
Third‑party forms and embedded content
Some pages on our website include embedded content provided by third‑party partners (for example, our loan application form supplied by t.dot). These third‑party services may set their own cookies that are required for the form to function. These cookies are controlled by the third party, not by 1st‑Loan.
We do not use analytics or advertising cookies on our website. If our use of cookies changes, we will update this policy and request consent where required.
10. Security
We use appropriate technical and organisational measures to protect your data from loss, misuse or unauthorised access.
11. Changes to this policy
We may update this Privacy Policy from time to time. The latest version will always be available on this page.