Approved Business Credit Limited Privacy Policy

Who are we?

We are Approved Business Credit Limited (ABC) and can be contacted on the below details:

Email: finance@abc-credit.co.uk
Telephone: 01625 500090
Address: PO Box 595, Macclesfield. SK10 9HF

At ABC we take your privacy very seriously. We are committed to ensuring that your privacy is protected.

Why do we collect and use your personal information?

  • Providing or managing any information, products or services you have asked for;
  • Helping us identify you when you contact us;
  • For general administration purposes;
  • Helping us detect and prevent fraud and money laundering;
  • Helping us recover debts;
  • Carrying out analysis and customer profiling;
  • Informing you of other products and services which might be of interest to you.

Use of Credit Reference Agencies and Affordability Checks

We need your personal information in order to help us assess applications, prevent fraud, and meet our legal and regulatory obligations, we may obtain information about you from credit reference agencies (CRAs).

We obtain this information via Creditsafe, which uses its data partner TransUnion to supply consumer credit and identity data.

  • Creditsafe Business Solutions Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number: 742313
  • TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number: 805757

The information we receive may include data relating to your identity, credit commitments, payment history, and public record information. This data is used solely for legitimate business purposes, including creditworthiness assessment, identity verification, and fraud prevention, in accordance with applicable data protection laws.

Further information about how Creditsafe and TransUnion process your personal data can be found in their respective privacy notices:

Non-Automated Decision Making and Profiling

We may use automated systems and tools to support certain business processes, such as risk assessment, fraud prevention, affordability checks, identity verification, or record management.

These tools may analyse personal data using predefined criteria or rules to generate indicators, scores, or recommendations. However, we do not make decisions that have a legal or similarly significant effect on individuals based solely on automated processing. Any such decisions are subject to meaningful human review.

The use of these tools may influence the speed or level of review applied to an application or request, but individuals will not be subject to automatic rejection or adverse decisions without human involvement.

Categories of Personal Data Processed

We may collect and process the following categories of personal data, as necessary to provide our services and meet our legal, contractual, and security obligations:

  • Identity data – including name, date of birth, title, username, or other identifiers.
  • Contact data – including postal address, email address, telephone number.
  • Account and access data – including user IDs, login details, access permissions, and authentication information.
  • Professional or employment data – including job title, employer name, and business contact details.
  • Financial and transactional data – including payment details, billing information, and transaction records (where applicable) 
  • Technical and usage data – including IP address, device information, browser type, operating system, access logs, and usage activity.
  • Security and audit data – including system logs, monitoring records, access records, and incident related information. related
  • Communications data – including correspondence, emails, and records of interactions with us.
  • Compliance and risk data – including records required for regulatory, audit, or due diligence purposes. diligence

Who will we share your personal information with?

We may share your personal information with our Funders, Auditors and Legal representatives.

International Transfers & Safeguards

We may transfer personal data to recipients or service providers located outside the UK and/or European Economic Area (EEA).

Where such transfers take place, we ensure appropriate safeguards are in place to protect personal data in accordance with applicable data protection laws. These safeguards may include the use of approved standard contractual clauses, international data transfer agreements, or transfers to countries that have been recognised as providing an adequate level of data protection.

Basis for Processing.

We consider that such processing is necessary for our legitimate interests in considering applications and in operating Agreements and our business.

We normally do not retain personal information for an enquiry that does not result in an agreement with us. Where an agreement is made, we hold the information for a period of 6 years after its termination.

What are your rights in relation to your personal information?

Right to access: You have the right to request copies of the personal information we hold about you at any time.

Right to rectification: You have the right to request that we correct any inaccurate personal information we hold about you.

Right to erasure: You have the right to request that we delete your personal information from our records.

Please note that we will not be able to delete your personal information whilst you still have an Agreement with us. You will be able to delete your personal information the service or once the Agreement is completed.

Right to restrict processing: You have the right to request that we restrict how we use your personal information.

Right to object: You have the right to object to the collection and use of your personal information at any time.

Right to data portability: You have the right to obtain a copy of your personal information in a legible and compatible format such as Excel or Word.

How can I exercise my rights in relation to my personal information?

You can exercise all of your rights by contacting us on any of the above contact details.

How do I lodge a complaint about the use of my personal information?

You can lodge a complaint with us directly by contacting our Data Processing Officer:- Mr Anthony Kersh on one of the above contact details. Or, by direct email to tony.kersh@abc-credit.co.uk

You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO). The ICO are the regulator who makes sure that we use your personal information in a lawful way.

You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns/ or calling the ICO on 0303 123 1113.

Changes to our privacy policy

This privacy policy is dated 10th April 2026. Any changes we may make to our Privacy Policy in the future will be posted on this page. Please check back frequently to see any updates or changes to our Privacy Policy.

Approved Business Credit Limited. Registered Number: 4499025

Authorised by the Financial Conduct Authority. Registered number: FRN720707

Data Protection Registered Number: PZ6967367