This policy explains how CreditLicence collects, uses, shares and protects your personal data when you use our website and our consumer credit licence application service. We are committed to protecting your privacy and handling your data openly and lawfully.
1. Who we are
CreditLicence is a trading name of Pi Zeta Ltd, a company registered in England & Wales (Company No. 10132555), with its registered office at 2nd Floor, 10-12 Bourlet Close, London, W1W 7BR. For the purposes of UK data protection law, Pi Zeta Ltd is the "data controller" responsible for your personal data.
If you have any questions about this policy or how we handle your data, you can contact us at privacy@creditlicence.com.
2. The information we collect
Information you give us
When you use our service, particularly when completing our application questionnaire, you may provide:
- Contact details such as your name, email address and telephone number;
- Business information such as your company name, registered address, trading activities and structure;
- Personal details of individuals connected to your business (for example directors or the person who will hold a senior management function), where required for your FCA application;
- Financial information about your business, such as forecasts, income figures or accounts, where required for your application.
Payment information
Payments are processed securely by our payment provider, Stripe. We do not collect or store your full card details. Stripe processes your payment in accordance with its own privacy policy.
Information we collect automatically
When you visit our website, we may automatically collect limited technical information such as your IP address, browser type, device information and how you use our site. This helps us operate, secure and improve the website.
3. How we use your information
We use your personal data to:
- Provide our service, including preparing your application documents;
- Communicate with you about your order and respond to your enquiries;
- Process payments and keep records required for accounting and tax;
- Operate, secure and improve our website;
- Comply with our legal and regulatory obligations.
Our lawful bases
We rely on the following lawful bases under UK GDPR:
- Performance of a contract — to deliver the service you have purchased;
- Legitimate interests — to run, secure and improve our business, where this is not overridden by your rights;
- Legal obligation — to meet our accounting, tax and other legal duties;
- Consent — where we ask for it, for example for certain optional communications. You can withdraw consent at any time.
4. How we share your information
We do not sell your personal data. We share it only where necessary, including with:
- Trusted service providers who help us run our business, such as our website hosting provider, payment processor and any customer relationship or email tools we use;
- Professional advisers such as accountants or lawyers, where reasonably required;
- Authorities or regulators, where we are legally required to do so.
5. International transfers
Some of our service providers may process data outside the UK. Where they do, we take steps to ensure your data is protected by appropriate safeguards, such as UK-approved standard contractual clauses or an adequacy decision.
6. How long we keep your data
We keep your personal data only for as long as necessary for the purposes set out in this policy, including to meet legal, accounting or reporting requirements. Records relating to your order and our financial records are typically retained for at least six years in line with UK tax law. We will securely delete or anonymise data when it is no longer needed.
7. Your rights
Under UK data protection law you have the right to:
- Access the personal data we hold about you;
- Ask us to correct inaccurate or incomplete data;
- Ask us to erase your data in certain circumstances;
- Restrict or object to our processing in certain circumstances;
- Request the transfer of your data (data portability);
- Withdraw consent where we rely on it.
To exercise any of these rights, contact us at privacy@creditlicence.com. We will respond within the timeframes required by law.
8. Cookies
Our website uses a small number of cookies necessary for it to function and to help us understand how the site is used. You can control or delete cookies through your browser settings. Disabling some cookies may affect how the website works.
9. Security
We take appropriate technical and organisational measures to protect your personal data against loss, misuse and unauthorised access. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
10. Changes to this policy
We may update this policy from time to time. When we do, we will revise the "last updated" date at the top of this page. We encourage you to review this policy periodically.
11. How to complain
If you have concerns about how we handle your data, please contact us first so we can try to resolve them. You also have the right to complain to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection, at ico.org.uk.