Privacy

Privacy notice.

Last updated: October 2026

Who we are

Bright Penny Limited (Company Registration Number 17361119) operates this website and provides commercial finance services to UK businesses. Our registered office is 1 Howarth Court, Gateway Crescent, Chadderton, Oldham, OL9 9XB. This notice explains what personal information we collect, how we use it and your rights in relation to that information.

What we collect

The information we collect depends on how you interact with us and the services you ask us to provide.

When you make an enquiry or ask us to arrange a finance facility, we may collect:

Your name, title, date of birth and contact details
Home and business addresses
Identification documents and information used to verify your identity
Employment, income and remuneration details
Bank account details and financial information
Details of loans, credit commitments and finance arrangements
Information about your business and finance requirements
Any information you provide to us by telephone, email, online forms or other correspondence

When you use our website, we may also collect:

Information submitted through contact forms or portal registrations
Records of communications with us
Technical information such as IP address, browser type and operating system
Information about how you use our website, including cookies and analytics data, where permitted by your cookie preferences

How we collect your information

Most of the information we hold comes directly from you.

Our finance partners may also obtain information from:

Credit reference agencies
Identity verification providers
Employers and professional advisers where relevant to an application
Finance partners involved in your enquiry
Publicly available sources
Technology solutions used to verify identity, credit status or other information relevant to a finance application

How we use your information

We use your information to:

Respond to your enquiry
Introduce you to a suitable finance partner
Respond to questions and support requests
Meet our legal, regulatory and compliance obligations
Improve our website, customer portal and services
Produce anonymised website usage statistics

Where you have agreed to receive marketing communications, we may also contact you about products and services we believe may be relevant to you. You can unsubscribe at any time.

Why we use your information

We process your personal information because:

It is necessary to provide the services you have asked us to deliver
It is necessary for our legitimate business interests, provided your rights are not overridden
We are required to comply with legal, regulatory and compliance obligations
You have given consent where consent is required, including certain marketing activities and website cookies

Who we share your information with

In order for us to deliver our service and address your needs in relation to the origination of finance facilities, we may share your information with one or more finance partners. These finance partners may also share your information with other parties, including:

Lenders and finance providers
Credit reference agencies
Identity verification providers
Compliance consultants and specialist advisers
Technology and service providers who support our business
Regulators, law enforcement agencies and other organisations where we are legally required to do so

We only share information that is necessary for the relevant purpose.

We do not sell your personal information, and we do not add you to third-party marketing lists.

Credit reference agencies

When you apply for finance, our finance partner and the lenders they work with may carry out searches with credit reference agencies. These searches may be recorded on your credit file and may be used to assess eligibility for finance and help prevent fraud.

Information about how credit reference agencies use and share personal information can be found through the agencies themselves, including Experian at www.experian.co.uk/crain.

Cookies and analytics

Our website uses cookies to help it function properly and improve the user experience.

Where you accept analytics cookies, we use Google Analytics to help us understand how visitors use our website. This information is used to analyse website performance and usage trends and is generally collected in an aggregated form.

You can manage cookies through your browser settings and through the “Cookie settings” link in the footer of this website. Google also provides a browser add-on that allows users to opt out of Google Analytics tracking.

How we protect your information

We take appropriate technical and organisational measures to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.

Information is stored securely and is only accessible by those who need it to carry out their work. While we take reasonable steps to safeguard information, no method of internet transmission can be guaranteed to be completely secure.

How long we keep your information

We generally retain personal information relating to finance enquiries and completed facilities for at least seven years after the end of the facility or from the date you last used our services.

Website enquiry information is retained only for as long as necessary to deal with the enquiry where no ongoing relationship is established.

Analytics data is retained in accordance with our configured Google Analytics retention settings.

We may retain information for longer where necessary to comply with legal obligations or to establish, exercise or defend legal claims.

Your rights

Under UK data protection law, you may have the right to:

Request a copy of the personal information we hold about you
Ask us to explain how we use your information
Correct inaccurate or incomplete information
Request that we delete information where applicable
Request that we restrict certain processing activities
Object to processing based on our legitimate interests
Withdraw consent where processing relies on consent
Request that information be transferred to another organisation where applicable
Stop receiving marketing communications at any time

Links to other websites

Our website may contain links to other websites operated by third parties. These websites have their own privacy notices, and we are not responsible for their content, security or privacy practices. We recommend that you review their privacy notices before providing any personal information.

Complaints

If you have any concerns about how we use your personal information, please contact us first and we will do our best to resolve the issue.

You also have the right to complain to the Information Commissioner’s Office (ICO), the UK’s independent authority for data protection matters. Our ICO registration reference is ZC254393.

Contact

If you have any questions about this privacy notice or wish to exercise your rights, please contact:

Compliance Manager
Bright Penny Limited
1 Howarth Court
Gateway Crescent
Chadderton
Oldham
OL9 9XB
Email: hello@brightpenny.co.uk