Privacy Policy

Who we are

TMFM Ltd, company registration number: 14956275, registered office: Eagle House, 28 Billing Road, Northampton, England, NN1 5AJ, and trading address: 26 Regents Pavilion, 4 Summerhouse Road, Moulton Park, Northampton, NN3 6BJ.

TMFM Ltd is an Appointed Representative of EFT Finance Limited which is authorized and regulated by the Financial Conduct Authority, FRN 667290. EFT Finance Limited is an independent finance broker Company Registration Number 07215828. Registered office: Solo House, The Courtyard, London Road, Horsham, West Sussex, RH12 1AT.

This privacy policy explains how we and potential lenders use the personal information we ask you to provide. Please distribute this document to all directors and partners (where applicable). Carefully read this policy and if you have any questions, contact us on compliance@eftfinance.co.uk. By sending us the information we have requested, we understand that you have read and are happy with EFT Finance Limited processing your personal data.

Our legal basis for processing your information, under the UK’s data protection laws, is the Legitimate Interests basis. You provide us with your information so that we may find suitable financing for your needs.

We may ask if you have any personal circumstances which may affect your financial journey. Any information you give us and the lender(s) will help us support you better. We would need your Consent to record this information and to pass it onto any potential lender we contact for you. If you prefer to tell the lender directly, we will be happy to let you know the lender’s contact details.

We may also use the data you give us or that we get from a specialist data broking service, to send you direct marketing about our finance broking services. Our legal basis for direct marketing is legitimate interests.

What information we may need from you

The following are examples of the information we may ask you to provide:

·       Your full name and home address

·       Your date of birth

·       A copy of your passport

·       A copy of your driving licence

·       A recent utility bill detailing your home address

·       Details of your personal means and liabilities

·       Any additional support you may need

Information from other sources

We may also obtain information from other sources, for example:

·       Companies House

·       Your website and social media

·      Specialist provider of company credit analysis

·      Specialist provider of data broking services

·       Government sites such as VOSA

How we will use your information

We use Customer Relationship Management tools ( CRM’s) to record, for example: your contact details, details of any promotional material you may have received and if you tell us that you do not want to get any more promotion material from us.

Some of our Appointed Representatives record telephone calls. For further information, please ask your EFT Finance contact.

We will pass your information on to potential lender(s). Please contact either our Data Protection Officer on compliance@eftfinance.co.uk or your usual EFT Finance Limited contact, if you would like to know all the potential lenders we approached on your behalf. EFT Finance Limited strongly recommends that you review the Privacy Policy notices on the websites of any lenders approached on your behalf.

We will never sell your information to third parties for marketing purposes.

Potential lenders:

To process your application, the potential lender(s) will perform credit and identity checks (also called a ‘search’) on you and your business partners. They will send the information on your application to one or more Credit Reference Agency (CRA). The potential lender will then use the information provided by the CRA’s to check the data you have provided, assess your creditworthiness and if necessary, prevent criminal activity.

In their data protection notices, potential lenders will state if they use automated credit assessment and decision making or use personal data for marketing and related activities. You have a right to ask any lender(s) approached on your behalf to manually review any automated decision and you have the right to object to your information being processed by the lender for marketing or marketing related activities.

Credit Reference Agencies ( CRA’s):

CRA’s will record the information about you, your business and its proprietors that they receive from the potential lenders. When the CRA receives a search from a potential lender, they place a footprint on your credit file which may be seen by other lenders. The CRA’s may supply the potential lender with both public (including electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

If you are a director, the potential lender may seek confirmation, from CRA’s, that the residential address you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House. The potential lender may search all directors as individuals as well as in their role as directors / guarantors.

If you are making a joint application or you tell us that you have a spouse or financial associate, you must discuss your credit requirements with them before we send the application to a lender, as the CRA’s may link your records together.

If you borrow from a lender, the details of your accounts and how you manage it/them will be passed by the lender to CRA’s. If you borrow and do not repay in full and on time, CRA’s will record the outstanding debt and may supply this information to other organizations or Fraud Prevention Agencies ( FPA’s) who may perform similar checks to trace your whereabouts and recover debts that you owe. This information remains on the CRA’s record of you, for 6 years after your credit agreement has ended, whether repaid in full or failed to repay.

If you provide false or inaccurate information and there is any suspicion of fraud, CRA’s will record this and may also pass this information to FPA’s and other organizations. If your request for funding is declined by a lender, the decline may be recorded on your credit record.

Finance companies use different CRA’s and 3 of the CRA’s are listed below. You can get details about these CRA’s and their data protection policies from the below addresses which will take you to the same Credit Reference Agency Information Notice ( CRAIN) document. If you wish to know which CRA has been contacted by a lender, please ask us and we will find out for you.

·       TransUnion (previously called Callcredit Limited): www.transunion.co.uk/legal/privacy-centre?#pc-credit-reference

·       Equifax Limited: www.equifax.co.uk/privacy-hub/crain

·       Experian Limited: www.experian.co.uk/crain

The information held by the CRA’s in the UK may not be the same. If you wish to contact any of the CRA’s, it is worth considering contacting them all.

·       TransUnion (previously Callcredit Limited) – Consumer Services Team – 0330 024 7574 UKConsumer@transunion.com

·       Equifax Limited – www.equifax.co.uk/Contact-us/Contact_Us_Personal_Solutions

·       Experian Limited – https://ins.experian.co.uk/contact

Direct marketing

Where you receive direct marketing communication from us, we will give you the opportunity to opt-out of receiving further direct marketing from us.

We check the information obtained from a specialist data broker against the Telephone Preference Service and Corporate Telephone Preference Service registers and our Do Not Contact list.

You have the right to object to the processing of your information for direct marketing purposes.

How long we store your information

We store your information in our live systems for 6 years from the end of our contact with you or the end of your last credit agreement, whichever is longer. We keep any information we get from a specialist data broker for 2 years in our live systems, unless you become a customer.

We also store your information in encrypted back-ups. The back-ups are stored in a secure off-site location and will only be accessed for business continuity purposes. Information is deleted from the back-ups 10 years after the last processing of your information. It is not currently technically possible to delete individual records from the encrypted back-ups.

Your information security

We take steps to protect your personal data against loss or theft, unauthorized access / disclosure / copying / use or alteration.

Access to your information and correction

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all your personal information, please contact us:

·       by email: compliance@eftfinance.co.uk

·       by post: EFT Finance Limited, Milnwood, 13 North Parade, Horsham, West Sussex, RH12 2BT

You have the right to ask us to update, correct or remove information you think is inaccurate or incomplete. Where you ask for changes to the information we have, we will also tell any lenders who hold your information. When your finance period ends or if you do not sign a credit agreement, you may ask us to delete your personal information.

Your right to erasure

If you ask us to delete your information, we will remove your information from our live systems within one month of receiving a valid request. Our back-ups will only be accessed for emergency business recovery situations. Due to the way information is stored in encrypted back-ups, it is not possible to delete your information from our back-ups as quickly as from our live systems. We are committed to the deletion of individual encrypted information held in back-ups if, and when, this becomes possible.

Your right to object (legitimate basis processing only)

You can tell us to stop processing your information. We will stop processing your application for credit, unless there are legitimate reasons to continue, for example: the exercise or defence of legal claims.

Your right to withdraw Consent

You can withdraw your consent for our processing of your information regarding any additional support needs you may have. We will continue to process your application for credit without the additional information. We will also advise any lender we have sent your credit application, that you have decided to withdraw your consent.

Your right to complain

If you wish to complain about how we process your personal information, please let us know on the above contact details. You can also complain to the Information Commissioner’s Office:

ICO,

Wycliffe House,

Water Lane,

Wilmslow,

SK9 5AF

Telephone helpline: 0303 123 1113

Website: https://ico.org.uk/make-a-complaint/data-protection-complaints/

We work hard to give you a good service and clear information about our products. If you are unhappy with any part of our service, please tell us. You can read our Complaints Policy on our website: https://www.eftfinance.co.uk/complaints

If you feel your concern has not been looked at properly, you have the right to make a complaint to the right organisation.

·       If you want to complain about EFT Finance Limited or about help you got from one of our Appointed Representatives, you can write to The Directors, EFT Finance Limited, Milnwood, 13 North Parade, Horsham, West Sussex, RH12 2BT, or email compliance@eftfinance.co.uk.

·       If your complaint is about your finance agreement, please get in touch with the finance company named in your agreement.

Changes to our privacy policy

This privacy policy was last updated 18 May 2026. We keep our privacy policy under review and will place any updates on our website www.eftfinance.co.uk.