Privacy Policy & Disclosure Statement
How we collect, use, and protect your personal data.
Important Risk Warning
If you are considering securing debts against your main home (including for debt consolidation), you should think carefully and consider all alternatives. Your home may be repossessed if you do not keep up repayments on a mortgage or other secured debt.
1. Regulatory Status Disclosure
Aberdeen Corporate Finance Limited (“ACFL”):
- Operates as a commercial finance broker and introducer
- Is not authorised or regulated by the Financial Conduct Authority (FCA)
- Does not provide regulated financial advice
Some business is conducted:
- On an introduction-only basis
- Via a network of UK and international funding partners
Such activities may constitute unregulated business.
2. Whole of Market Statement
ACFL sources investment property and commercial finance solutions from a broad panel of lenders across the market.
3. Data Controller
ACFL is the Data Controller under:
- UK General Data Protection Regulation (UK GDPR)
- Data Protection Act 2018
ICO Registration Number: ZB795163
You can verify this at: https://ico.org.uk
4. Definitions
“Personal Data”, “Processing”, “Controller” and “Processor” have the meanings set out in UK GDPR.
5. Data We Collect
We collect and process:
Identity Data
Name, date of birth, identification documents
Contact Data
Email, telephone, address
Financial Data
Income, liabilities, funding requirements
Corporate Data
Company structures, directors, UBOs
Transaction Data
Funding applications and lender interactions
6. Purpose of Processing
We process Personal Data to:
- Introduce Clients to appropriate lenders
- Facilitate funding applications
- Conduct due diligence and verification
- Meet legal obligations (including AML/KYC)
- Improve our services
7. Lawful Basis
Processing is undertaken under:
- Article 6 (1)(b) — Contractual necessity
- Article 6 (1)(c) — Legal obligation
- Article 6 (1)(f) — Legitimate interests
8. Data Sharing
We may disclose your data to:
- Lenders and funding partners
- Professional advisers
- Fraud prevention agencies
- Regulatory or law enforcement bodies
All disclosures are limited to what is necessary.
9. International Transfers
Where data is transferred outside the UK:
- Appropriate safeguards under Chapter V UK GDPR are applied
- Including Standard Contractual Clauses where required
10. Data Storage & Security
Your data may be stored:
- Electronically (secure systems)
- In physical records
We implement:
- Encryption
- Access controls
- Secure storage protocols
11. Data Retention
We retain data:
- For a minimum of 5 years (MLR 2017 compliance)
- Longer where legally required
12. Your Rights
You have the right to:
- Access your data
- Request correction
- Request deletion (where applicable)
- Restrict processing
- Object to processing
You may contact us to exercise these rights.
13. Consent
By engaging ACFL, you consent to collection and use of your data for stated purposes. Consent may be:
- Written
- Verbal
- Electronic
You may withdraw consent at any time, subject to legal limitations.
14. Marketing & Unsubscribe
You may opt out of communications:
- Via email link
- By contacting: [email protected]
15. Disclosure Control
We will only disclose Personal Data:
- Where authorised
- Where legally required
- Upon verification of identity
16. Case Studies
Case studies published on this website:
- Are anonymised
- May represent illustrative scenarios
- Do not guarantee outcomes
17. Complaints
Complaints may be made:
By post:
Compliance Department
128 City Road
London
EC1V 2NX
By email:
18. Complaint Escalation
Where a complaint relates to a regulated activity conducted by a third-party lender, you may have the right to escalate the matter to the Financial Ombudsman Service. ACFL itself, as a non-regulated entity, is not directly subject to the jurisdiction of the FOS.
19. Data Protection Complaints
You may also lodge a complaint with the Information Commissioner's Office:
https://ico.org.uk