Privacy Policy

Rubix Finance Ltd is committed to protecting and respecting your privacy.

This policy explains how we collect, use and protect your personal data in accordance with UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Who We Are

Rubix Finance Ltd is the data controller responsible for your personal data.

ICO Registration Number: ZC105255

Contact: info@rubixfinance.net

The Information We Collect

We may collect and process the following categories of personal data:

• Identity data (name, date of birth)
• Contact data (address, email, phone number)
• Financial data (income, expenditure, credit information)
• Employment data
• Transaction and application data
• Technical data (IP address, device information)

How We Use Your Information

We use your data to:

• process and manage finance applications
• introduce you to lenders
• communicate with you about your application
• comply with legal and regulatory obligations
• improve our services

Lawful Basis for Processing

We process your data under one or more of the following lawful bases:

• Contract – to provide our services
• Legal obligation – to comply with regulatory requirements
• Legitimate interests – to operate and improve our business
• Consent – where required (e.g. marketing communications)

Sharing Your Data

We may share your personal data with:

• lenders on our panel
• credit reference agencies
• service providers (e.g. hosting, IT systems)
• regulators and legal authorities where required

All third parties are required to process your data securely and in accordance with applicable laws.

Credit Searches

As part of your application:

• lenders may carry out credit checks
• this may include soft or hard searches depending on the stage of your application

You will be informed before any hard credit search is carried out.

Data Retention

We retain personal data only for as long as necessary to:

• fulfil the purposes we collected it for
• comply with legal and regulatory obligations

Retention periods may vary depending on the type of data and applicable requirements.

Your Rights

You have the right to:

• access your personal data
• request correction of inaccurate data
• request deletion of your data
• object to or restrict processing
• request data portability

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO).

Data Security

We use appropriate technical and organisational measures to protect your data, including:

• secure cloud infrastructure
• access controls
• encryption where appropriate
• monitoring and security controls

Changes to This Policy

We may update this policy from time to time. Any updates will be published on this page.

Contact Us

For any data protection queries, please contact:

Email: info@rubixfinance.net