At Express Business Loans, we take your privacy seriously. This Privacy Policy outlines how we collect, use, store, share, and protect your personal information when you interact with us. Whether you’re applying for a loan, visiting our website, or communicating with our team, we are committed to handling your data responsibly and transparently, in accordance with applicable data protection laws.

Who We Are

Express Business Loans is a financial services provider that helps individuals and businesses access fast and flexible lending solutions. In the course of our operations, we collect and process certain personal and business information to assess eligibility, deliver our services, and comply with legal requirements. This policy explains how that information is handled.

What Information We Collect

When you apply for a loan or contact us, we may collect personal details such as your full name, address, phone number, date of birth, and identification documents (such as a passport or driver’s license). We may also collect financial information such as bank statements, income details, credit history, and any documents related to your employment or business operations.

In addition, we may collect technical information when you visit our website, including your IP address, browser type, and device information. This data helps us understand how our website is used and improve our online services.

How We Collect Your Information

We obtain information directly from you when you fill out a loan application, contact us by phone or email, upload documents, or visit our website. In some cases, we may also receive data from third parties, such as credit reference agencies, fraud prevention agencies, and business partners who help us perform due diligence or verify your identity.

How We Use Your Information

We use your information primarily to evaluate your loan application, verify your identity, assess affordability and creditworthiness, and deliver funding if approved. Your information also helps us communicate with you effectively throughout the lifecycle of your loan from application to repayment.

Beyond loan processing, we may use your data to comply with legal obligations such as anti-money laundering checks, respond to law enforcement or regulatory requests, and maintain records for auditing or tax purposes. Where you have given your consent, we may also send you updates or promotional offers relevant to our services.

Our Legal Grounds for Processing

We only process your personal data when we have a lawful basis to do so. This includes situations where the data is necessary to perform a contract (such as providing a loan), where we are legally obliged to retain and use the data, where we have a legitimate interest in using it (for fraud prevention or customer service), or where you have given us your clear and informed consent.

Sharing Your Information

We may share your data with carefully selected third parties who help us provide and manage our services. This includes credit reference agencies, payment processors, IT service providers, legal advisors, and regulatory bodies. These parties are bound by confidentiality agreements and are only allowed to use your data to perform the services we’ve asked of them.

We will never sell your personal information to any third party. In rare cases, we may be required to disclose your data to comply with a court order, regulatory inquiry, or legal obligation.

Data Storage and Security

We take the security of your information seriously. All personal and financial data is stored securely, using encrypted systems and industry-standard security protocols. We limit access to your data to only those staff and partners who need it for legitimate business purposes. We also regularly review our security measures and systems to protect against unauthorized access, data loss, or misuse.

Retention of Your Data

We retain your information only for as long as is necessary to fulfill the purposes outlined in this policy. Typically, this means we keep your records for a period of six years after the end of your loan agreement. In some cases, we may retain certain data for longer periods to comply with tax, regulatory, or legal obligations.

Your Rights

You have the right to access the personal information we hold about you, correct any inaccuracies, or request that your data be deleted in certain circumstances. You may also object to or restrict how we use your data and, where applicable, request that it be transferred to another provider. If you’ve given us consent for marketing or other optional processing, you can withdraw that consent at any time.

To exercise any of your rights, please contact us using the details provided at the bottom of this page. We will respond to all valid requests within the timeframe required by law.

Use of Cookies and Tracking

Our website uses cookies and other tracking technologies to provide you with a better browsing experience. These tools help us understand how visitors use the site, enhance functionality, and improve performance. You can control or disable cookies at any time through your browser settings, although this may affect your experience on our site.

International Data Transfers

In some cases, your personal data may be transferred outside your country of residence. Where such transfers occur, we ensure appropriate safeguards are in place, such as contractual clauses or data protection frameworks, to protect your information in line with legal requirements.

Children’s Privacy

Our services are intended for adults aged 18 and over. We do not knowingly collect or process information relating to individuals under the age of 18. If we become aware that we have received information from a child, we will delete it immediately.

Third-Party Links

Our website may contain links to external websites operated by third parties. Please note that we are not responsible for the content or privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you access through our platform.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal obligations. Any updates will be posted on our website with the new effective date. We encourage you to review the policy periodically to stay informed about how we handle your data.