Privacy Policy

Who we are and how to contact us

NBS Finance provides commercial-finance broking and introduction support, mainly for UK limited companies. NBS Finance is not a lender. For privacy questions or requests, email info@nbsfinance.co.uk, call 07849 709772, or write to NBS Finance, Pinfold Lane, Southport, Merseyside, PR8 3QL.

Information we collect

We collect the information you enter into the form: contact details, your role, business details and legal structure, one or more funding requirements, trading history, turnover, homeowner status, relevant operator-licence information, existing-finance details, adverse credit or financial issues involving the business or its directors, how you heard about NBS Finance and any notes you add. We also keep the enquiry reference, submission date and enquiry status.

We may record limited source information supplied by your browser or a campaign link, such as the referring website, landing page and UTM campaign labels. This helps us understand how enquiries find NBS Finance. We do not use this form to create cross-site advertising profiles.

If you choose to upload financial documents, we collect the PDF files and basic file details such as filename, size and upload date. These may include six months of business bank statements, the latest full or filed company accounts, and up-to-date management accounts where available. The files may contain account identifiers, balances, payment details, transaction history and other commercially sensitive financial information. Never provide bank-login details, passwords, card PINs or security codes.

Why we use the information and our lawful bases

We use the information to respond to your enquiry, understand the business requirement, review possible funding routes and put relevant information and documents to suitable lenders and specialist finance partners to assess and arrange your business finance enquiry. We also use it to protect the service against misuse, manage records and deal with legal claims or complaints.

We normally rely on our legitimate interests in operating and protecting a commercial-finance introduction service and responding to business enquiries. We balance those interests against your rights and reasonable expectations. We may also rely on steps taken at your request before entering an arrangement and on legal obligations where they apply. We do not use the form acknowledgement as blanket consent for these activities, and we do not use enquiry details for electronic marketing without a separate lawful basis.

Who we share information with

When you submit the form, you authorise NBS Finance to share relevant information and documents with appropriate lenders and specialist finance partners, including specialist brokers, where required to review, assess and arrange your business finance enquiry. We may put your enquiry forward for assessment without asking for separate permission after submission. Submitting does not commit you to accepting finance. We may also disclose information where the law requires it or where reasonably necessary to establish, exercise or defend legal claims. We do not sell personal information.

Vercel provides website hosting and private file storage, and Neon provides the enquiry database. These suppliers process information for us under their service terms and security controls. Where a supplier processes information outside the UK, we rely on an appropriate transfer safeguard where required.

Saving answers on your device

The form can save a limited set of non-sensitive answers in session storage so you do not lose progress while using the same browser tab. It does not save contact details, financial figures, homeowner status, adverse-credit answers, company number, notes, provider names or uploaded files. The saved answers expire after two hours, are removed when the tab session ends, and can be cleared from the welcome screen. This storage is not used for advertising or cross-site tracking.

Optional analytics cookies

With your permission, Google Analytics measures visits, progress through enquiry steps, submission attempts and outcomes, validation issues and document-upload outcomes on this application. It receives a pseudonymous browser identifier, technical device information, fixed step/route/error categories, internal or test-traffic labels and approved marketing-page/product/button labels. We do not send contact details, company names, application answers, financial figures, enquiry references or documents to Google Analytics. Analytics is not used to assess your eligibility for finance or for advertising personalisation.

The application does not load Google Analytics until you allow it. You can decline without affecting your enquiry and change your choice using “Analytics preferences” in the application footer. Your choice is stored on this device for up to 180 days. Analytics cookies are configured to expire after up to 180 days, renewed by subsequent permitted use. Google processes analytics information under its service terms; see Google’s privacy policy. You may need to manage the marketing website’s separate consent choice through its footer.

How long we keep information

New or unsuccessful enquiry records are scheduled for review after 12 months. Records for enquiries that progress are scheduled for review after 24 months. Uploaded financial documents are scheduled for a separate review after 90 days because they are particularly sensitive. A review may lead to deletion, anonymisation or a documented extension where the information is still needed for the enquiry, a complaint, a legal obligation or a legal claim.

Security-event records are normally kept for no more than 90 days, while technical rate-limit and duplicate-submission records are normally kept for no more than two days. We do not silently delete customer enquiries when a review date arrives; an authorised administrator reviews them first.

Deletion

An authorised administrator can permanently delete an individual financial-document file or the complete enquiry. Complete deletion removes the enquiry, its attached-file metadata and its private financial-document files from active application storage, together with duplicate-submission records and application security events linked to its reference. The action requires an authenticated session, the admin password, the exact enquiry reference and a separate confirmation.

Hosting and database providers may retain encrypted backup copies or short-lived operational logs for a limited period under their own backup and security lifecycle. Those copies are not available through the NBS Finance admin area and expire through the provider's normal deletion process. Application logs are designed not to contain form answers or uploaded documents.

Your rights

Depending on the circumstances, you may ask us to access, correct, erase or restrict personal information, object to processing based on legitimate interests, or provide information in a portable format. Some rights have legal limits. Contact us using the details above and we will respond without undue delay.

You can complain to the Information Commissioner's Office at ico.org.uk/make-a-complaint. We would appreciate the opportunity to address your concern first.

Automated decisions and security

The form adapts which questions are shown based on your answers, but it does not make a solely automated lending decision or approve or decline finance. A person reviews the enquiry.

We use access controls, private document storage, request limits, input validation and authenticated administration to protect the service. No internet service can guarantee absolute security, so only provide information relevant to the enquiry. We may update this policy when the service or legal requirements change; the latest version will be published here.